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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 4,745Posts
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    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 52
    • Hiddenidenity
    • By Hiddenidenity 13th Jul 17, 9:23 AM
    • 4,745 Posts
    • 20,648 Thanks
    Hiddenidenity
    Thank you

    Busy day doing boring jobs today, have new kitchen worktops being fitted tomorrow so need to make sure everythings ready for that.

    Need to chase the prescription and get it corrected because we need some of the items they keep getting wrong. Have spoken to consultant and got different codes to what the GP is using in the hope that the new codes link to the correct items.

    Need to clear the fridge and make any sorry looking ends of things into good things for the freezer Along with writing the shopping list for tomorrow. Hopefully a very short list Although my yard brush seems to have grown legs and ran away so will need a new outside brush, maybe I'll get that today, definitely a need I can't not sweep up

    Hope everyone has a lovely day Nearly weekend x
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • UncannyScot
    • By UncannyScot 13th Jul 17, 9:35 AM
    • 609 Posts
    • 2,691 Thanks
    UncannyScot
    When the going gets tough the tough get going
    Have a great day missus, you've got this
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • GeorgianaCavendish
    • By GeorgianaCavendish 13th Jul 17, 9:51 AM
    • 513 Posts
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    GeorgianaCavendish
    Morning Hidden! Absolutely brilliant news on the washing machine and exciting news about the new kitchen counter tops (or am I just showing how excited I get over little things?). Once you've got those installed and your new appliances sorted it will feel like a new kitchen

    How annoying about your ongoing battle with the prescriptions. There is always a minor drama between my GP and chemist every time my prescription changes which ends up with multiple packs of the wrong dose medication being ordered the first time. I've come to expect it to be a bit of a hassle now, so that the 1-in-100 times it goes smoothly I'm flabbergasted!
    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)
    • Toni'sfriend
    • By Toni'sfriend 13th Jul 17, 10:12 AM
    • 816 Posts
    • 7,285 Thanks
    Toni'sfriend
    The presents sound lovely, Hidden. I bet the teachers will appreciate them more than anything else they are given.
    • Munchin
    • By Munchin 13th Jul 17, 10:29 AM
    • 2,032 Posts
    • 5,819 Thanks
    Munchin
    Hi Hidden

    Thanks for the tip on Prolific surveys - I got my first survey & 25p this morning & it was about cookies - inordinately pleased
    • Hiddenidenity
    • By Hiddenidenity 13th Jul 17, 10:36 AM
    • 4,745 Posts
    • 20,648 Thanks
    Hiddenidenity
    Hi Hidden

    Thanks for the tip on Prolific surveys - I got my first survey & 25p this morning & it was about cookies - inordinately pleased
    Originally posted by Munchin
    I love PA. My only advice is make sure you check as often as possible I use something called visual ping on Chrome that pings and alerts you to a change on the webpage (ie a new study pops up)
    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 13th Jul 17, 10:38 AM
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    • 20,648 Thanks
    Hiddenidenity
    The new work tops are long awaited, many an argument (they wanted to leave half the original in and half new but the new being a totally different colour .. No thank you!) The whole of the worktop behind the sink has rotten away and is no longer there just a big hole! So will be nice to have it nice and 'clean'

    As soon as I'm straight with things, survey money is going to be going to paint and decorating everything and sorting the kids rooms and things. Slowly but surely
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Purplemumof2
    • By Purplemumof2 13th Jul 17, 12:24 PM
    • 5,049 Posts
    • 16,597 Thanks
    Purplemumof2
    Sounds like a very productive day HI x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 13th Jul 17, 7:52 PM
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    • 20,648 Thanks
    Hiddenidenity
    Thank you

    Majority done, didn't buy a brush though! got carried away cleaning cupboards out and things, will go tomorrow.

    £37.20 requested from PA I wanted to let it build up but I need it to try and minimise the damage of no wage this week.

    Tomorrow school are having a wear a football/colour t-shirt so need £2, all for a good cause though so don't mind!
    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 14th Jul 17, 7:52 AM
    • 4,745 Posts
    • 20,648 Thanks
    Hiddenidenity
    Debt 14/07/17

    Council Tax £2092.71 £1770 (£15 paid)
    Fine 1 £1250 £1110 (£10 paid)
    Fine 2 £200 £45 (£5 paid)
    Aunt £1000
    Mum £340 + £87
    Step Dad £1000
    Friend £1379 £1360

    Total £7348.71 £6630 (£718.71 paid)


    Rent arrears £3381.28 £3050 (£331.28 paid)

    Debt + Rent £10722.99 £9680 (£1049.99 paid)

    Tiny reductions today £30 of the debt and £15 of the rent. Better than going up though I guess!
    Last edited by Hiddenidenity; 14-07-2017 at 8:15 AM.
    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 14th Jul 17, 7:56 AM
    • 4,745 Posts
    • 20,648 Thanks
    Hiddenidenity
    Surveys 14/07/2017
    Yougov 550 points. alot of points needed for £50 cash out.
    PanelBase £7.50 .. £2.50 needed to cash out
    Populus 39 points .. 18 needed to cash out
    Onepoll.. £17.50 ... £22.50 needed to cash out
    Pureprofile £11.10
    I-say 95 points ..
    Valued Opinions £6 ...

    Prolific £1.33 available £25.22 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
    £10 Amazon from Ipsos phone app
    £10 Amazon from shop and scan
    £37.20 PA (on its way to circle)
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Suffolk lass
    • By Suffolk lass 14th Jul 17, 8:34 AM
    • 1,470 Posts
    • 16,851 Thanks
    Suffolk lass
    Don't frown at the level you are paying off. Most of your readers are simply amazed that you are making ends meet, let alone paying down your debt! Well done for keeping it going!
    MFiT T4 #2 update 31.2% after Q6
    Save £12k in 2017 #64 - £8112.39 saved (73.74%) after August - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 61.61/66.66% including stores after July
    My DFD is http://forums.moneysavingexpert.com/showthread.php?t=5593594
    • Bobarella
    • By Bobarella 14th Jul 17, 9:27 AM
    • 10,473 Posts
    • 69,433 Thanks
    Bobarella
    Don't frown at the level you are paying off. Most of your readers are simply amazed that you are making ends meet, let alone paying down your debt! Well done for keeping it going!
    Originally posted by Suffolk lass
    Agree with that 100% go Hidden
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • GeorgianaCavendish
    • By GeorgianaCavendish 14th Jul 17, 11:55 AM
    • 513 Posts
    • 2,305 Thanks
    GeorgianaCavendish
    Thank you

    £37.20 requested from PA I wanted to let it build up but I need it to try and minimise the damage of no wage this week.
    !
    Originally posted by Hiddenidenity
    Hidden, I've decided that I'm going to cash out PA every time it gets to £20. After the debacle with Opinion Outpost (still haven't had a proper response from them btw, they just said they are "looking into it" ) I'm not going to keep a high balance in survey sites just in case they go out of business or decide that I'm violating their T&C and disappear with my reward money

    I cashed out £25 from PA earlier this week and I'm already back up to £8.36 with another £3 pending, thank you so much for introducing me to that site!
    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 14th Jul 17, 12:19 PM
    • 4,745 Posts
    • 20,648 Thanks
    Hiddenidenity
    Hidden, I've decided that I'm going to cash out PA every time it gets to £20. After the debacle with Opinion Outpost (still haven't had a proper response from them btw, they just said they are "looking into it" ) I'm not going to keep a high balance in survey sites just in case they go out of business or decide that I'm violating their T&C and disappear with my reward money

    I cashed out £25 from PA earlier this week and I'm already back up to £8.36 with another £3 pending, thank you so much for introducing me to that site!
    Originally posted by GeorgianaCavendish
    Oh good thinking! Maybe it is better to just cash out as soon as I reach the fee free £20. Oo are shocking! I've been emailing them for weeks now because I can't do any surveys yet they send 10 emails a day inviting me! I hope you get it sorted.

    PA is the best, especially with the Visual ping on so it does alert me to new studies.
    Glad you've found it useful too x
    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 14th Jul 17, 12:20 PM
    • 4,745 Posts
    • 20,648 Thanks
    Hiddenidenity
    Don't frown at the level you are paying off. Most of your readers are simply amazed that you are making ends meet, let alone paying down your debt! Well done for keeping it going!
    Originally posted by Suffolk lass
    Agree with that 100% go Hidden
    Originally posted by Bobarella
    Thank you. Guess I should be happy I've at least paid the rent
    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 14th Jul 17, 12:23 PM
    • 4,745 Posts
    • 20,648 Thanks
    Hiddenidenity
    As I thought no money from OH today.

    I've covered the rent and tiny payments above from tax credits/child benefit and survey sites.

    I'm not doing a grocery shop this week. We have enough in to last anyway so we won't go without.

    I have the money for DS school dinners (£6.25) and I think there will be requests of some party food for end of term parties, although I might just offer to send in cakes instead then I don't need to buy anything

    Theres just under £20 left in the account (so I owe youngest emergency hospital fund £30) If we need milk/gas/electric this week I will probably owe it more
    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 14th Jul 17, 2:24 PM
    • 4,745 Posts
    • 20,648 Thanks
    Hiddenidenity
    New worktops are in Looks lovely Need to paint some bits on the walls now. I want to buy new cupboard doors too but I guess that will remain a want

    Chicken curry in the slowcooker, with some chuck whatever looks sad into it too Lasagne in the other slow cooker with some mince that I forgot I needed to use That will do tomorrows dinner. Have some sausage I'd defrosted for OH he didn't end up needing so will turn them into casserole and freeze as 'readymeals' Have a million eggs (okay not quite but it feels like it ) to use up too. Soup with the very sorry loking ends of veg and last bits of chicken and I think we are good to go for another few days with all happy looking stuff in the fridge
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • UncannyScot
    • By UncannyScot 14th Jul 17, 8:47 PM
    • 609 Posts
    • 2,691 Thanks
    UncannyScot
    You are doing great lass
    You n the wee yins have a great weekend
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Hiddenidenity
    • By Hiddenidenity 14th Jul 17, 8:50 PM
    • 4,745 Posts
    • 20,648 Thanks
    Hiddenidenity
    Thank you

    I'm sure we will, lazy one this weekend ready for the last week of term and the start of the Summer holidays, really can't wait!

    Kids all tucked up and happy No better feeling in the world than knowing they've gone to sleep smiling with no worries.. well other than which topping they will have on pancakes for breakfast

    Was considering getting the paint out and doing some bits, but I can't be bothered now So I'm catching up with today's tennis with a coffee... living the high life of a Friday night
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
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