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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 4,781Posts
    • 20,879Thanks
    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 55
    • Hiddenidenity
    • By Hiddenidenity 16th Jul 17, 2:50 PM
    • 4,781 Posts
    • 20,879 Thanks
    Hiddenidenity
    I do buy everything fresh and freeze in smaller sizes, then lift out the night before to defrost.

    See always something new to learn.
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Sun Addict
    • By Sun Addict 16th Jul 17, 3:01 PM
    • 4,284 Posts
    • 23,535 Thanks
    Sun Addict
    I only defrost if I've bought fresh and frozen it myself. However, a lot of bought frozen stuff is cook from frozen for best results. I think the main thing is that it's cooked through.

    You are going to do amazingly well now OH has gone, go you, we're all cheering you on xx
    Virtual Sealed Pot £621.40
    September NSD 9/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • mummytogirls
    • By mummytogirls 16th Jul 17, 3:28 PM
    • 5,427 Posts
    • 16,579 Thanks
    mummytogirls
    Another one here who always defrosts... infact weve had to change our tea today as we forgot to get the chicken out! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • Chandelier.
    • By Chandelier. 16th Jul 17, 4:08 PM
    • 492 Posts
    • 1,340 Thanks
    Chandelier.
    We always defrost before cooking however we have a handy gadget that somehow makes it defrost quicker . It's a defrost tray. I can find the name if you like. We can defrost chicken breasts in less then three hours.

    Hope you're okay Hidden and everything will work out fine. At least you have a good idea of what your income/outgoings are and you are no longer relying on bits of income from your OH. It gets easier every day xx
    Check out my Diary
    • jayII
    • By jayII 16th Jul 17, 4:20 PM
    • 39,900 Posts
    • 106,347 Thanks
    jayII
    I defrost things on a metal baking tray over a cooling rack. Meat defrosts quickly as long as there's space for air to pass under the metal tray. It's all down to metal conducting heat/cold efficiently.

    I only cook thin or small pieces of meat or fish from frozen--fillets, very small joints, steaks and so on. I'd be too worried about food poisoning to cook a whole chicken or pork joint from frozen. I'd be less worried about lamb or beef, but I still don't think I'd risk it.
    15.9.17. Balance: £10360.87/Mortg: £174,906.67

    No spend on non-essentials year. To date: £





    • Hiddenidenity
    • By Hiddenidenity 16th Jul 17, 8:17 PM
    • 4,781 Posts
    • 20,879 Thanks
    Hiddenidenity
    Well another weekend over, but only 5 more school days

    Roast dinner was a hit and curry ready to go in the slow cooker tomorrow. Sandwich filler made for salads/lunches during the week. The rest boiling to make soup.

    Cereal treats and biscuits made.

    Kids have finished the boxes for the cupcakes for teacher gifts and they are drying. Tomorrow we will do the cards after school and Tues/Weds the toppers for the cakes, then the cakes on Thursday.

    Formula 1 Left me happy
    Tennis good game and happy with the winner

    Going to finish the last load of ironing and then watch catch up things on TV I'll be lost when it gets cut off I've never watched so much tv
    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 16th Jul 17, 8:21 PM
    • 4,267 Posts
    • 7,725 Thanks
    enthusiasticsaver
    I cook mince from frozen but always take particular care to make sure chicken and pork is defrosted. I always thought that was the general advice to avoid food poisoning. Does seem strange though when some frozen foods say cook from frozen anyway. I defrost in a microwave if I forget to get something out which needs defrosting.
    Countdown to early retirement on 21.12.17 3 months to go.
    • Sun Addict
    • By Sun Addict 16th Jul 17, 8:24 PM
    • 4,284 Posts
    • 23,535 Thanks
    Sun Addict
    Hope the coming week is a good one xx
    Virtual Sealed Pot £621.40
    September NSD 9/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • enthusiasticsaver
    • By enthusiasticsaver 16th Jul 17, 8:25 PM
    • 4,267 Posts
    • 7,725 Thanks
    enthusiasticsaver
    The soa looks good HI. Maybe budget for TV licence and broadband if you can afford it and an emergency savings fund.
    Countdown to early retirement on 21.12.17 3 months to go.
    • Hiddenidenity
    • By Hiddenidenity 16th Jul 17, 8:39 PM
    • 4,781 Posts
    • 20,879 Thanks
    Hiddenidenity
    Have you got a diary yet for free things to do with the children over the summer holidays - I saw your post re museums on Treadingonplaymobil's thread and I wondered if you had put in any date specific diary dates yet for the holidays?
    Originally posted by Suffolk lass
    Sorry I missed this

    I don't have any set plans yet I must get that sorted this week really.
    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 17th Jul 17, 7:51 AM
    • 4,781 Posts
    • 20,879 Thanks
    Hiddenidenity
    Morning

    We are all up and ready a bit too early so have half hour to kill

    I've even done my cleaning! Going to drop them at school then go over to my mums and do her ironing and windows for her.

    Curry in the slow cooker for dinner. Plenty for the smalls for dinner and probably twice as much to freeze

    DS seems to think he needs to try a batch of cupcakes before we send the teachers in so I guess I'll squeeze a set in for the kids to eat.

    Other than that not much to report.. 1000 phone calls to make and to chase the prescription up again...

    Oh ETA Cashed out £10 from Panelbase to bank waiting for that to go in and at cashout on PA with quite a bit pending so going to wait until a bit more has gone over from pending before cashing out.
    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 17th Jul 17, 7:57 AM
    • 629 Posts
    • 2,856 Thanks
    UncannyScot
    Your up and have hit the ground running lass
    Have a good day missus (((((HUGS)))))
    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.
    • charlies tribe
    • By charlies tribe 17th Jul 17, 10:00 AM
    • 426 Posts
    • 3,505 Thanks
    charlies tribe
    I read your post this morning and felt extremely jealous! I was dragging the girls out of bed at 8.20! I remember when the older 2 were little and would be out on the trampoline before school, was so much easier. They have to be at school for 8.20 tomorrow, that'll be fun!
    Have a lovely day, good luck with all the phone calls.
    LBM in April 17 - £3143/£33554 (9.3%) paid
    • GeorgianaCavendish
    • By GeorgianaCavendish 17th Jul 17, 10:29 AM
    • 513 Posts
    • 2,305 Thanks
    GeorgianaCavendish
    Good luck with prescription chasing today Hidden! I've got some results & referrals chasing to do with my GP this afternoon, lucky I'm going to yoga class tonight because I think I will definitely need a bit of chill!
    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 17th Jul 17, 10:51 AM
    • 819 Posts
    • 7,313 Thanks
    Toni'sfriend
    Morning, Hidden. I know you've got a lot to do today so good luck with all of that.
    • Hiddenidenity
    • By Hiddenidenity 17th Jul 17, 12:09 PM
    • 4,781 Posts
    • 20,879 Thanks
    Hiddenidenity
    Thank you

    At mums as planned, just having a coffee in the garden while youngest eats lunch (or feeds lunch to the birds )

    Prescription should be sorted I think, I spoke directly to the pharmacy and instructed under no circumstance are they to send anymore of the item that is wrong! They destroy it if it is returned and while I can use it, it will take months and months the amount we have now! This is the only reason I'm not too at them because we can use what they are sending, it just takes 5 times as long and it shouldn't need to be that way! I'm sure cost plays a part
    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 17th Jul 17, 12:17 PM
    • 4,781 Posts
    • 20,879 Thanks
    Hiddenidenity
    So short term goals now I've sort of met the others, I need to find £60 to pay the council tax, ASAP! I am behind £60 on the arrangement and it was due the 8th so they have sent a reminder, 5 more days and I'll lose the right to pay this years and the debt in installments Scary thought.

    So I need to survey as much as possible considering I don't know when I will getting any money in now

    We have food, We have a roof over our head, We have Gas, electric and each other. SO I guess that's more than some.

    Still a worry though
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • kirtsypoos
    • By kirtsypoos 17th Jul 17, 1:38 PM
    • 2,974 Posts
    • 13,223 Thanks
    kirtsypoos
    Hugs hidden - I'm sure you will get it dealt with, you are a whirlwind!
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • Toni'sfriend
    • By Toni'sfriend 17th Jul 17, 2:43 PM
    • 819 Posts
    • 7,313 Thanks
    Toni'sfriend
    Hidden, could you phone them and let them know your circumstances have changed and your waiting for benefits, etc to get sorted out.
    • Bobarella
    • By Bobarella 17th Jul 17, 4:45 PM
    • 10,473 Posts
    • 69,440 Thanks
    Bobarella
    So short term goals now I've sort of met the others, I need to find £60 to pay the council tax, ASAP! I am behind £60 on the arrangement and it was due the 8th so they have sent a reminder, 5 more days and I'll lose the right to pay this years and the debt in installments Scary thought.

    So I need to survey as much as possible considering I don't know when I will getting any money in now

    We have food, We have a roof over our head, We have Gas, electric and each other. SO I guess that's more than some.

    Still a worry though
    Originally posted by Hiddenidenity
    Sorry to read that 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
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