Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 3,794Posts
    • 15,056Thanks
    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 £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
Page 53
    • UncannyScot
    • By UncannyScot 14th Jul 17, 8:58 PM
    • 385 Posts
    • 1,442 Thanks
    UncannyScot
    Aye, me too lol
    Cuppa tea, cheese n toast n some choccie biccies... Rock n Roll lifestyle me ;D
    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.
    • emmie26
    • By emmie26 14th Jul 17, 9:12 PM
    • 432 Posts
    • 1,390 Thanks
    emmie26
    Wow hidden, just caught up for the week. Can't believe how much you get done on so little, what a productive week, worktop, washer, teacher pressies and feeding the 5000

    Total Debt: £24,359.79 £23,124
    debt reduced by 5%
    Debt free date: May 2019
    • Honeysucklelou2
    • By Honeysucklelou2 15th Jul 17, 7:52 AM
    • 247 Posts
    • 714 Thanks
    Honeysucklelou2
    Well done for getting by without anything from your OH. I think you are amazing for making ends meet.
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £570 in June 2017. Home improvement loans £3342 March 2017
    • Suffolk lass
    • By Suffolk lass 15th Jul 17, 9:30 AM
    • 1,353 Posts
    • 16,099 Thanks
    Suffolk lass
    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
    Originally posted by Hiddenidenity
    I just made some curtains out of a pair of brand-new pillow cases from the local charity shop, and one of those stretchy wire-cords with the hook on each end, to cover the front of the under sink storage in the loo - £1.50 for the pillow cases and 89p for the wire. I had some thread. Looks quite pretty if I do say so myself and more bespoke than cupboard doors.

    Have a great weekend Hidden and thanks for putting a positive spin on my thread. I was feeling inept and you picked me up. x
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000 (Save £12k in 2016 thread £10,488.04/£10,000)
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 50.68/50% including stores after June
    • pennywisepoundstupid
    • By pennywisepoundstupid 15th Jul 17, 11:40 AM
    • 4,173 Posts
    • 12,299 Thanks
    pennywisepoundstupid
    I just made some curtains out of a pair of brand-new pillow cases from the local charity shop, and one of those stretchy wire-cords with the hook on each end, to cover the front of the under sink storage in the loo - £1.50 for the pillow cases and 89p for the wire. I had some thread. Looks quite pretty if I do say so myself and more bespoke than cupboard doors.

    Have a great weekend Hidden and thanks for putting a positive spin on my thread. I was feeling inept and you picked me up. x
    Originally posted by Suffolk lass
    Ive done a similar thing in my kitchen, just shortened a pair of plain cream curtains that I had and threaded the wire cord through the header tape, dead easy and looks good.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Dave Ramsey babystep 1-£1000 Emergency fund- save £250/£200[/COLOR]
    School uniform £250/£250
    Save for summer £500/£370
    • mummytogirls
    • By mummytogirls 15th Jul 17, 3:32 PM
    • 5,217 Posts
    • 15,288 Thanks
    mummytogirls
    Yay to a productive week HI. Bet the new worktops look great xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Hiddenidenity
    • By Hiddenidenity 15th Jul 17, 6:30 PM
    • 3,794 Posts
    • 15,056 Thanks
    Hiddenidenity
    Thanks all for stopping in

    Today has been a total failure

    I have dozed on and off all day on the sofa, other than the basic chores and feeding of the kids nothing has been done so far

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • Purplemumof2
    • By Purplemumof2 15th Jul 17, 6:35 PM
    • 4,724 Posts
    • 15,127 Thanks
    Purplemumof2
    Thanks all for stopping in

    Today has been a total failure

    I have dozed on and off all day on the sofa, other than the basic chores and feeding of the kids nothing has been done so far
    Originally posted by Hiddenidenity
    You must've needed it after all the rushing about you've done recently. Don't feel bad about it. Hope you feel rested now xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £400.00 Overdraft: £2750.00

    Lunches to work 7/20 ~ £10pw 3/4

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Munchin
    • By Munchin 15th Jul 17, 6:40 PM
    • 1,995 Posts
    • 5,747 Thanks
    Munchin
    Hi Hidden

    Don't see it as a failure as you probably needed a good rest after everything you have been doing & to build up you energy for the week ahead
    • Hiddenidenity
    • By Hiddenidenity 15th Jul 17, 7:43 PM
    • 3,794 Posts
    • 15,056 Thanks
    Hiddenidenity
    Watching To the bone on Netfl!x. Brings a lot to home...

    While today hasn't been productive it has been a NSD. Probably because there isn't much choice but still a NSD.

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • UncannyScot
    • By UncannyScot 15th Jul 17, 8:14 PM
    • 385 Posts
    • 1,442 Thanks
    UncannyScot
    Are the wee yins happy? Aye? Then it's a good day
    They know you are a super mum and even super mums need to have a rest. So, feet up with a cuppa and chill with your shows missus, you've earned it
    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.
    • Sun Addict
    • By Sun Addict 15th Jul 17, 8:58 PM
    • 4,035 Posts
    • 21,071 Thanks
    Sun Addict
    You deserve a rest after all that activity, don't feel guilty about it. Tomorrow is another day.
    Virtual Sealed Pot £424.05
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Hiddenidenity
    • By Hiddenidenity 15th Jul 17, 10:11 PM
    • 3,794 Posts
    • 15,056 Thanks
    Hiddenidenity
    New SOA only really works from October (First wage in from work, start date 4th September)

    Statement of Affairs and Personal Balance Sheet

    Household Information

    Number of adults in household........... 1
    Number of children in household......... 3
    Number of cars owned....................

    Monthly Income Details

    Monthly income after tax................ 850
    Partners monthly income after tax....... 0
    Benefits................................ 810
    Other income............................ 0
    Total monthly income.................... 1660


    Monthly Expense Details

    Mortgage................................ 0
    Secured/HP loan repayments.............. 0
    Rent.................................... 490
    Management charge (leasehold property).. 0
    Council tax............................. 81 Includes 25% discount
    Electricity............................. 30
    Gas..................................... 30
    Oil..................................... 0
    Water rates............................. 21
    Telephone (land line)................... 0
    Mobile phone............................ 5
    TV Licence.............................. 22 This is paying 12 months over 6 as first license will be £12ish after 6 months
    Satellite/Cable TV...................... 0
    Internet Services....................... 0
    Groceries etc. ......................... 180 Could be less
    Clothing................................ 0
    Petrol/diesel........................... 0
    Road tax................................ 0
    Car Insurance........................... 0
    Car maintenance (including MOT)......... 0
    Car parking............................. 0
    Other travel............................ 10 Appointments this could be more some months depends which appointments and where.
    Childcare/nursery....................... 60 2 x school dinners and youngest nursery snacks
    Other child related expenses............ 30 School trips and events, there is something nearly every week!
    Medical (prescriptions, dentist etc).... 0
    Pet insurance/vet bills................. 0
    Buildings insurance..................... 0
    Contents insurance...................... 0
    Life assurance ......................... 0
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 0
    Haircuts................................ 0
    Entertainment........................... 0
    Holiday................................. 0
    Emergency fund.......................... 0
    Total monthly expenses.................. 959



    Assets

    Cash.................................... 0
    House value (Gross)..................... 0
    Shares and bonds........................ 0
    Car(s).................................. 0
    Other assets............................ 0
    Total Assets............................ 0


    No Secured nor Hire Purchase Debts


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    Council Tax....................1770......50........0
    Rent...........................3050......55....... .0
    Fine 2.........................45........20........0
    Aunt...........................1000......50....... .0
    Stepdad........................1000......50....... .0
    Mum............................340.......50....... .0
    Friend.........................1360......90....... .0
    Total unsecured debts..........8565......365.......-



    Monthly Budget Summary

    Total monthly income.................... 1,660
    Expenses (including HP & secured debts). 959
    Available for debt repayments........... 701
    Monthly UNsecured debt repayments....... 365
    Amount left after debt repayments....... 336


    Personal Balance Sheet Summary
    Total assets (things you own)........... 0
    Total HP & Secured debt................. -0
    Total Unsecured debt.................... -8,565
    Net Assets.............................. -8,565


    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.


    Looks a lot healthier.

    Entertainment comes from grocery money currently, not that we spend much if anything.

    Presents are from survey earnings, although I don't spend loads, token gifts for grandparents usually something made, Smalls have something they want, something they need, something to wear and something to read this basis is usually covered from surveys.

    Gas/Elec estimated but I guess it will be around that.

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • charlies tribe
    • By charlies tribe 15th Jul 17, 10:43 PM
    • 338 Posts
    • 3,122 Thanks
    charlies tribe
    Sending hugs HI.
    We will all be here to support you but I really think you will do just fine, at least you will know exactly what's coming in when and where from x
    LBM-March 17 £2129/£33554 (6.3%) paid
    • emmie26
    • By emmie26 15th Jul 17, 10:56 PM
    • 432 Posts
    • 1,390 Thanks
    emmie26
    That looks a lot better and at least you will be in control, anxiety is so much worse when we are anxious about things we can't control, like somebody spending money and not going to work.
    Sending positive vibes your way. You Can definitely do this!

    Total Debt: £24,359.79 £23,124
    debt reduced by 5%
    Debt free date: May 2019
    • Hiddenidenity
    • By Hiddenidenity 15th Jul 17, 11:01 PM
    • 3,794 Posts
    • 15,056 Thanks
    Hiddenidenity
    Thank you.

    Sure it will all be good in the long run

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • Hiddenidenity
    • By Hiddenidenity 15th Jul 17, 11:07 PM
    • 3,794 Posts
    • 15,056 Thanks
    Hiddenidenity
    After sleeping all day I'm wide awake.

    I've sorted some bits out in my bedroom and have cleaned out some bits I put off this morning.

    Kids are all sleeping and have had a good day despite me not doing much, they had 'tea' (juice in a teapot) and cakes and watched some movies. Played with lego and the dolls house. Awful weather so they where happy with a day indoors.

    Meal plan for this week will be all random using it up I think, DS has his sausage casserole, pulled pork and will want to make a pizza one day no doubt. There's plenty of mince based meals in and I still have things I could make if we wanted. There's more soup than we'll eat in 6 months I think so I might make the effort to eat more than toast and use up some soup DD will no doubt choose pasta and more pasta So will mix hers up a little.

    Going to sort the things out to make the cards for the teachers along with making boxes for cupcakes too.

    I need to book the appointment for Clarks for near the end of the holidays then my mum can take them

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • UncannyScot
    • By UncannyScot 15th Jul 17, 11:28 PM
    • 385 Posts
    • 1,442 Thanks
    UncannyScot
    We have all got your back missus
    If you need anything at all, if we can help in anyway, we will...
    you are not on your own with this
    (((((HUGS)))))
    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.
    • Toni'sfriend
    • By Toni'sfriend 15th Jul 17, 11:42 PM
    • 626 Posts
    • 5,631 Thanks
    Toni'sfriend
    It's all looking good, Hidden. You're doing great and we're all here cheering you on.
    NSD 11/14 Weightloss 1.5/48 July womble £73.44 2017 Wombling total £1073.67
    • charlies tribe
    • By charlies tribe 15th Jul 17, 11:54 PM
    • 338 Posts
    • 3,122 Thanks
    charlies tribe
    Check that you are getting all the help you Need, I think with a little one under 5 you will get council tax and housing benefit and maybe income support too, at least to help until you start work. Also check what child support you 'should' get (although I'm guessing you may not see any).
    Make sure you are looking after yourself, that includes proper meals, your little ones need you to be fit and well.
    LBM-March 17 £2129/£33554 (6.3%) paid
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,444Posts Today

8,523Users online

Martin's Twitter
  • Byebye! I'm about to stop work & twitter, to instead spend glorious time with Mrs & mini MSE. Wishing u a lovely summer. See u in 10 days.

  • WARNING Did you start Uni in or after 2012? The interest's rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

  • RT @JanaBeee: @MartinSLewis Boris is the anomaly (coffee), the others are versions of normal (beer). Lots of same candidates = vote share d?

  • Follow Martin