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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 56
    • Eager_Elephant
    • By Eager_Elephant 17th Jul 17, 5:19 PM
    • 4,079 Posts
    • 21,892 Thanks
    Eager_Elephant
    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.
    Originally posted by Hiddenidenity
    Now that OH has left have you let the council know?

    If the ctax account was in joint names they will need to close the joint account and open a new one in your name only. If it is in your name only then you need to apply for single person discount.

    Once they have this info this may help with the instalment issue as generally information which comes in puts a stop on the account while it waits to be processed.

    As someone above said, why not give them a call and explain that OH has left and you are waiting on your benefits.

    Have you made claims to Income Support, Housing and Council Tax Benefit today?
    Ninja Saving Turtle No. 20 for August
    NSD - 0/18
    (up to 01/09/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Bobarella
    • By Bobarella 17th Jul 17, 5:30 PM
    • 10,473 Posts
    • 69,435 Thanks
    Bobarella
    Oh gosh I didnt realise he'd left, that will teach me for only reading the last post. Sorry.
    " 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
    • Hiddenidenity
    • By Hiddenidenity 17th Jul 17, 5:38 PM
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    Hiddenidenity
    I have called everywhere today, I need to pay the £60 as that was due obviously why it was joint. The repayment on the new one will be less, she agreed over £300 a month isn't practical especially now, so at least I know going forward it will be easier to keep on time.

    Helped mum with some bits, just fed the kids after getting home and their bath running, then I think we will all crash for an early one Hopefully not disturbed by selfish neighbours drilling and hammering till 2am. Or I might just have to return the favour
    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 17th Jul 17, 5:44 PM
    • 816 Posts
    • 7,285 Thanks
    Toni'sfriend
    Can sympathize with the drilling and hammering. It's like living in the middle of a building site here at the moment.
    I am glad that you've contacted everyone. Hope you manage to get the money you need.
    • DaringToDream
    • By DaringToDream 17th Jul 17, 5:47 PM
    • 139 Posts
    • 398 Thanks
    DaringToDream
    Hey Hidden,

    Just checking in and catching up and you are doing great. Sure with how resourceful you are and how good you are at doing the surveys that you'll be able to find the £60 in time- fingers crossed that more PA stuff becomes payable for you (i used your referral link but never get any surveys so gonna keep checking tomorrow while i'm off work in the hope that some appear!).

    DTD xx
    Total Debt Paid: £1091.87 / £16062.60 (6.8% debt gone)
    Holiday fund £0/1400
    • Hiddenidenity
    • By Hiddenidenity 17th Jul 17, 8:11 PM
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    • 20,655 Thanks
    Hiddenidenity
    Thank you DTD if you're using a laptop/desktop on chrome there's Visualping but on others I'm sure there's similar, you can set it to notify you when a study pops up. The huge post of alerts has been deleted but there is a new one over on the boost your income board.

    I'm sure I will find enough to cover everything, we have plenty of food and can actually 'live' of very little, I guess I should take advantage/enjoy it why the small's are still happy to do all the free things
    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 18th Jul 17, 8:54 AM
    • 4,745 Posts
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    Hiddenidenity
    Another morning done Only 3 more to go

    No plans today, cleaning and ironing at home and just pottering around. Plans I had made have been cancelled last minute (kind of glad )

    Small's are in school and away to their new classes they go into in September so they can meet their teachers, so glad this year we have landed with nice ones again, I don't really see eye to eye with DS teacher this year He thinks holding back the ones who are further forward until the ones working below them catch up is the best idea, however this means DS gets bored and then crys about going to school because its boring and he just has to sit copying things he's already done Anyway thats the end of that and next years a new start with someone I already know.
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Chandelier.
    • By Chandelier. 18th Jul 17, 9:53 AM
    • 492 Posts
    • 1,338 Thanks
    Chandelier.
    I don't agree with your DS teacher but what do I know. My boy is absolutely the same and gets bored easily as he flies through the work. Hope your DS teacher is better next year. At least you know them.

    You sound very on the ball with everything happening in life. It will all work out for you. I'm positive of that.

    Check out my Diary
    • GeorgianaCavendish
    • By GeorgianaCavendish 18th Jul 17, 10:50 AM
    • 513 Posts
    • 2,305 Thanks
    GeorgianaCavendish
    Great news on the council tax Hidden, do you think you'll be able to get the £60 together this week? Got my fingers crossed that PA comes through with some great surveys for you.

    I got an email from Circle this week that they are ditching the £20 threshold for "free" cash outs - I need to double check that because I'm now worried that I've read it wrong but maybe that would help a bit with your cash flow?
    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 18th Jul 17, 10:58 AM
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    Hiddenidenity
    I'm not sure I'll sort it this week, cutting it a bit fine for PA to become payable then it go through to circle, then to the bank (although this bits now within an hour) I won't have tax credits etc either this week now the claims closed and waiting for the new one to be sorted Stressing/worrying going on behind the scenes

    I'm sure it will all work out somehow though x
    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 18th Jul 17, 11:05 AM
    • 513 Posts
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    GeorgianaCavendish
    Are you able to make partial payments on the Council Tax? If you pay what you can now and then make other payments during this week? At least that would show them that you are trying?
    I know that some places don't allow partial payments so this might not work.
    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 18th Jul 17, 11:08 AM
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    Hiddenidenity
    Are you able to make partial payments on the Council Tax? If you pay what you can now and then make other payments during this week? At least that would show them that you are trying?
    I know that some places don't allow partial payments so this might not work.
    Originally posted by GeorgianaCavendish
    I have been sending £1 a day over hoping they see I am trying to make it come down I think by friday it will be £55, then I will send over £15 and carry on until I run out of money/I receive something from somewhere Embarrassing isn't it
    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 18th Jul 17, 11:34 AM
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    Toni'sfriend
    Surely since they know your circumstances have changed so drastically and they can see you're trying to make some sort of payment meantime they will give you a bit of leeway.
    • GeorgianaCavendish
    • By GeorgianaCavendish 18th Jul 17, 11:46 AM
    • 513 Posts
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    GeorgianaCavendish
    Not embarrassing at all! I was going to suggest something like that, they can see that you are sending everything you possibly can as soon as you get it. Agree with Toni'sfriend - hopefully they will give you some leeway as a result.
    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)
    • Purplemumof2
    • By Purplemumof2 18th Jul 17, 12:40 PM
    • 5,052 Posts
    • 16,602 Thanks
    Purplemumof2
    I have been sending £1 a day over hoping they see I am trying to make it come down I think by friday it will be £55, then I will send over £15 and carry on until I run out of money/I receive something from somewhere Embarrassing isn't it
    Originally posted by Hiddenidenity
    Sorry hun, I didn't get a chance to reply earlier. No it isn't embarrassing at all. As others have said, you're showing that you're willing to pay and that they should take in to account.

    Big hugs lovely lady, sending lots of positive vibes your way. xx
    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
    • EssexHebridean
    • By EssexHebridean 18th Jul 17, 2:48 PM
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    EssexHebridean
    Definitely not embarassing at all - keep on keeping on! At least it shows willing!

    Also I think you should make the effort to continue with TV/Netflix - remember your TV licence payment will drop to £12.12 before long as you'll be up to date - so that saving off what you've budgeted there will cover the Netflix service won't it. You are without question entitled to have some entertainment budgeted for!

    If I've read it right you're not far off having that fine paid off now too? So that will free up some more cash to get thrown at wherever.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£504.92 (29/08/17)
    • charlies tribe
    • By charlies tribe 18th Jul 17, 3:34 PM
    • 423 Posts
    • 3,485 Thanks
    charlies tribe
    I'm trying to think if ideas to help.
    Would ex be willing to cover the shortfall this week? To keep a roof over the children's head.
    Would you be able to ask your mum now he has moved out and you know you would be able to pay it back quicker now you have control of the finances?
    Would you be able to get a crisis loan or anything like that (no idea how they work or if you would already need to be getting the benefit already to apply).
    Would you be able to get to a food bank? I know your ok for food now but if you can make it stretch a bit further it'll free up a bit of money later on.

    I know some of these I'd feel really bad doing so I understand if you can't. I'm just brainstorming. You have done fantastic so far.
    LBM-March 17 £2861/£33554 (8.5%) paid
    • Purplemumof2
    • By Purplemumof2 18th Jul 17, 4:00 PM
    • 5,052 Posts
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    Purplemumof2
    Spam - Reported
    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 18th Jul 17, 5:15 PM
    • 4,745 Posts
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    Hiddenidenity
    I will speak to him and see, I don't want to do anything that will 1. get me in trouble and 2. lead him on. But we'll see what happens.

    I really don't think we will need the food bank, other than milk we could make last what we have a while, if it comes to it though and it was a choice I had to make of course I'd do it.

    Something will make it work, I won't give up

    Thank you for replying 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 18th Jul 17, 5:18 PM
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    Hiddenidenity
    Kids boxes made into boxes for teacher gifts (never again) there is glitter everywhere. I think I'll been glistening for weeks!

    Smalls all fed and happy, playing for half hour before bath time

    Just waiting for uniform to dry to I can iron, won't take long in this sun So I'm enjoying a coffee in the garden and having a catch up
    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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