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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 4,737Posts
    • 20,586Thanks
    Hiddenidenity
    When things hit rock bottom the only answer is to fight the way back up...
    • #1
    • 9th May 17, 12:47 PM
    When things hit rock bottom the only answer is to fight the way back up... 9th May 17 at 12:47 PM
    I'm back again, worse than ever to be honest. Things all hit a head in March and along with help being needed in other areas than financial I realised that the money side of things are a big issue in fixing things elsewhere.

    Although not posting I have been reading the diaries I have followed, so many who helped along when I first started are happily debt free now. I want to join them one day, both in being debt free and in happiness.

    Our finances on paper while tight look okay. However we both smoke and my OH is not very responsible. At all. I fell into a gambling issue which I've sought help for and not a penny has gone on gambling since March.

    Our household is me (Not working, our youngest has complicated health issues), My OH he works full time with over time, and 3 delightful children

    I will make a seperate post for my debts/goals and then one with our SOA when I've completed it.

    Hope I can stay around to sort myself, the debt and the happiness thing out.
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
Page 47
    • Hiddenidenity
    • By Hiddenidenity 6th Jul 17, 7:42 PM
    • 4,737 Posts
    • 20,586 Thanks
    Hiddenidenity
    Meh to that situation it won't be fixed anytime soon so just gotta get on with it

    Anyway food shop done for tomorrow from Mr S £37 expensive really but it does have some extra bits on and some store cupboard things. We have quite a bit left with not having to cook for OH so stocked up on baking things/coffee etc the things I don't buy every week.

    DD has trip tomorrow so needs a pack lunch.
    DS really needs to go and get his hair cut and I think I might dye mine this weekend
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 6th Jul 17, 7:48 PM
    • 4,737 Posts
    • 20,586 Thanks
    Hiddenidenity
    I decided I'm going to go to the trial week at the job. Will make the changes I want to make easier if it all works out!
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Toni'sfriend
    • By Toni'sfriend 6th Jul 17, 7:49 PM
    • 816 Posts
    • 7,284 Thanks
    Toni'sfriend
    Hidden, I am so glad to hear from you.I have been checking all day to make sure you're ok. Hang on in there, keep positive. You're stronger than you think and you will get there. We're all rooting for you,
    • Honeysucklelou2
    • By Honeysucklelou2 6th Jul 17, 9:06 PM
    • 373 Posts
    • 1,097 Thanks
    Honeysucklelou2
    HI I've not really replied much beyond the ironing bit (!) but wanted you to know I'm thinking of you. I was married to someone who is self employed and he would often work but not share his income resulting in me having to improve my job and try to be employed and self-employed in a bid to keep everything paid (and is the main reason for me having ended up with consolidation loans). There were other reasons too as to why we separated but It took me 5 years to get the strength to change the situation. It isn't easy but I know that life now is much better than the life I had been living. No one can tell you what to do or not do but I do understand how hard it is to make any changes and how it's almost futile to do so til you know that it is the right thing for you and the right time. Hope that makes sense.

    On a practical level is there any help you could get from income support or tax credits. Can you get advice from CAB? I'm just concerned for you about next week if your OH only has 1 day of wages...can you make enquiries about what help is available in such circumstances?
    Last edited by Honeysucklelou2; 06-07-2017 at 9:10 PM.
    paydbx #90 £325/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017
    • emmie26
    • By emmie26 6th Jul 17, 9:43 PM
    • 482 Posts
    • 1,775 Thanks
    emmie26
    Sending hugs, you are doing so well to keep everything ticking over despite the situation, make sure you look after yourself x

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • Hiddenidenity
    • By Hiddenidenity 6th Jul 17, 10:01 PM
    • 4,737 Posts
    • 20,586 Thanks
    Hiddenidenity
    Thank you, The job is definitely something that makes moving forward easier if it can be fit in around youngest.

    Not sure about benefits tbh, I doubt it, I've only claimed when I was single and quite unwell and going through some treatment. So no idea. We'll manage somehow. I have some money from PA waiting to hit circle and I can manage without a grocery shop next week if needed etc.

    Cashed out £5 Amazon from Swagbucks and £5 Amazon from I-say.
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Doobop
    • By Doobop 7th Jul 17, 6:49 AM
    • 171 Posts
    • 1,563 Thanks
    Doobop
    A trial at the job sounds great, good to see what it's like and if you enjoy it. What job is it? Just checking - it's not the one where you thought your health would suffer?
    • Hiddenidenity
    • By Hiddenidenity 7th Jul 17, 7:05 AM
    • 4,737 Posts
    • 20,586 Thanks
    Hiddenidenity
    Debt 07/07/17

    Council Tax £2092.71 £1785 (£30 paid)
    Fine 1 £1250 £1125 (£25 paid)
    Fine 2 £200 £50 (£5 paid)
    Aunt £1000
    Mum £340 + £87
    Step Dad £1000
    Friend £1379 £1360

    Total £7348.71 £6660 (£688.71 paid)


    Rent arrears £3381.28 £3065 (£316.28 paid)

    Debt + Rent £10722.99 £9725 (£997.99 paid)
    Last edited by Hiddenidenity; 09-07-2017 at 1:41 PM.
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 7th Jul 17, 7:09 AM
    • 4,737 Posts
    • 20,586 Thanks
    Hiddenidenity
    Surveys 07/07/2017
    Yougov 475 points. alot of points needed for £50 cash out.
    PanelBase £2.80 .. £7.20 needed to cash out
    Populus 32 points .. 18 needed to cash out
    Onepoll.. £16.05 ... £23.95 needed to cash out
    Answerpoints 125 points ... 500 points needed for £5 amazon
    Pureprofile £9.50
    I-say 15 points ..
    My survey 0 points .. 575 needed to cash out
    Valued Opinions £1.75 ...

    Prolific £4.60 available £24.30 pending


    So far for July cashed out
    £15 Panel base
    £5 Amazon Swagbucks (Received)
    £5 Amazon I-say (Received)
    £5 Amazon Swagbucks
    £73.88 PA
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Honeysucklelou2
    • By Honeysucklelou2 7th Jul 17, 7:10 AM
    • 373 Posts
    • 1,097 Thanks
    Honeysucklelou2
    Well done HI. Those figures are reducing...you're doing really well.
    paydbx #90 £325/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017
    • Honeysucklelou2
    • By Honeysucklelou2 7th Jul 17, 7:11 AM
    • 373 Posts
    • 1,097 Thanks
    Honeysucklelou2
    Amazing how the surveys mount up...impressive & well done.
    paydbx #90 £325/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017
    • Hiddenidenity
    • By Hiddenidenity 7th Jul 17, 7:13 AM
    • 4,737 Posts
    • 20,586 Thanks
    Hiddenidenity
    1st-31st July


    Council tax £260 Minimum - £30/£260
    OH £175 (asap) - £70/£175
    Groceries (4 weeks) £37/£160


    Make £5 a day £103.88/£155
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Hiddenidenity
    • By Hiddenidenity 7th Jul 17, 7:17 AM
    • 4,737 Posts
    • 20,586 Thanks
    Hiddenidenity
    Morning, Thank you honeysucklelou. Slowly going the right way!

    Also paid

    £15 Electric
    £10 Gas
    £6.25 for next weeks school dinners
    £6 Tv license (on time )

    Have £15 out for OH bus fare but not sure if he'll collect it.

    Just waiting for PA and panelbase to hit the bank then I can pay the £75 I owe to council tax, then I will finally have caught up on both the arrangement and the monthly payments.
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • enthusiasticsaver
    • By enthusiasticsaver 7th Jul 17, 7:29 AM
    • 4,215 Posts
    • 7,577 Thanks
    enthusiasticsaver
    You are doing really well in reducing that debt HI. More than 10% paid now in spite of your OH and tax credits reducing.
    Countdown to early retirement on 31.12.17 3.5 months to go.
    • Toni'sfriend
    • By Toni'sfriend 7th Jul 17, 8:29 AM
    • 816 Posts
    • 7,284 Thanks
    Toni'sfriend
    Well done, Hidden. Hope things take a turn for the better today.
    • GeorgianaCavendish
    • By GeorgianaCavendish 7th Jul 17, 10:25 AM
    • 513 Posts
    • 2,305 Thanks
    GeorgianaCavendish
    Hi Hidden, I think its a great idea to go for the week's trial at the potential new job. If it all works out with care for your youngest it would be brilliant for you to have that control over your income I'll keep my fingers crossed
    Georgiana, Duchess of Debt-shire's July 2017 Debt Totals: HSBC Loan £11,362.14 / MBNA £3318.34 / Barclaycard £6360.70 / Lloyds £3560 / Tesco £972.50/ Dreams £259

    And don't forget the Student Loan! £10,765.93 (April 2017)
    • Hiddenidenity
    • By Hiddenidenity 7th Jul 17, 10:30 AM
    • 4,737 Posts
    • 20,586 Thanks
    Hiddenidenity
    It's only term time, contract 10 hours but will be 24 hours term time.

    Not sure how it works out wage wise as when I was last there I didn't take much notice

    It would fit in around my kids school other than and 1 week in May where the school holidays are different.

    It's walking distance to home and to my kids school should I be needed for them.

    Another plus is I already know the staff there and are 'friends' with most because I've already worked there before.
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • GeorgianaCavendish
    • By GeorgianaCavendish 7th Jul 17, 12:10 PM
    • 513 Posts
    • 2,305 Thanks
    GeorgianaCavendish
    That sounds ideal then! With all your financial savvy now you would definitely be on top of the wages now
    Georgiana, Duchess of Debt-shire's July 2017 Debt Totals: HSBC Loan £11,362.14 / MBNA £3318.34 / Barclaycard £6360.70 / Lloyds £3560 / Tesco £972.50/ Dreams £259

    And don't forget the Student Loan! £10,765.93 (April 2017)
    • Kittencat
    • By Kittencat 7th Jul 17, 1:02 PM
    • 631 Posts
    • 3,966 Thanks
    Kittencat
    I have to say Hidden I really like you. Your determination and guts through all this is amazing. You are strong and I can tell your kids are your everything. Big well done and catch up soon xx
    May 2017 ..... debt was £37,000..
    June 17' - we now owe £34,500.
    • enthusiasticsaver
    • By enthusiasticsaver 7th Jul 17, 1:04 PM
    • 4,215 Posts
    • 7,577 Thanks
    enthusiasticsaver
    I think that sounds good about the job HI. Hopefully a bit of extra help financially and confidence wise and getting out and keeping busy. You can hopefully then put down roots and feelers for something better paid when your kids are older.
    Countdown to early retirement on 31.12.17 3.5 months to go.
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