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  • FIRST POST
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 12:47 PM
    • 4,783Posts
    • 20,885Thanks
    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 99
    • charlies tribe
    • By charlies tribe 5th Sep 17, 12:09 AM
    • 426 Posts
    • 3,505 Thanks
    charlies tribe
    Aww hope she settles soon. It's a big change for both of you and will take a little while to adjust.
    LBM in April 17 - £3143/£33554 (9.3%) paid
    • Hiddenidenity
    • By Hiddenidenity 5th Sep 17, 8:37 AM
    • 4,783 Posts
    • 20,885 Thanks
    Hiddenidenity
    Thank you x

    Just dropped the kids in school and having a cuppa before I go. The weather is awful!
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • missymoo81
    • By missymoo81 5th Sep 17, 8:38 AM
    • 5,551 Posts
    • 17,939 Thanks
    missymoo81
    It is here too. Big hugs for today. I hope it all goes well x
    • Purplemumof2
    • By Purplemumof2 5th Sep 17, 9:01 AM
    • 5,083 Posts
    • 16,744 Thanks
    Purplemumof2
    Morning HI,

    Good luck on your first day, I'm sure you'll be fine.

    Hope the kids have a great day in school x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £547.06 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 11/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Toni'sfriend
    • By Toni'sfriend 5th Sep 17, 9:03 AM
    • 819 Posts
    • 7,313 Thanks
    Toni'sfriend
    Good luck, Hidden. Hope everything goes well.
    • UncannyScot
    • By UncannyScot 5th Sep 17, 9:08 AM
    • 629 Posts
    • 2,858 Thanks
    UncannyScot
    Good luck today missus
    You'll rock it as usual
    (((((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.
    • Kittychick
    • By Kittychick 5th Sep 17, 10:03 AM
    • 154 Posts
    • 383 Thanks
    Kittychick
    You're doing so well, there's major, positive changes for you and your children I'll be subscribing and cheering you along the way!!
    • monz
    • By monz 5th Sep 17, 10:51 AM
    • 2,739 Posts
    • 7,708 Thanks
    monz
    good luck <3xxx
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £5,781.18/10,000
    mums xmas vouchers boots (surveys ) 50/50 sisters xmas vouchers topshop (surveys ) 10/30 Dads xmas voucher amazon (surveys) 0/25
    holiday - £100/1064.72
    Australia 2019 - /5000
    • EssexHebridean
    • By EssexHebridean 5th Sep 17, 11:37 AM
    • 7,805 Posts
    • 40,356 Thanks
    EssexHebridean
    Ooh can't believe today's the day - looking forward to hearing all about it!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£504.92 (29/08/17)
    • Hiddenidenity
    • By Hiddenidenity 5th Sep 17, 5:38 PM
    • 4,783 Posts
    • 20,885 Thanks
    Hiddenidenity
    Thank you

    Today was brilliant! Kids home just eating Chicken fajitas and salad then they can have their baths.

    I want to change my tax credits to 4 weekly rather than weekly, however it takes 8 weeks to change apparently

    I can't manage 8 weeks without them until my wages are coming in. So guess thats something to remember at the end of next month!
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Happierdays
    • By Happierdays 5th Sep 17, 6:13 PM
    • 74 Posts
    • 157 Thanks
    Happierdays
    Brilliant! Well done you
    • enthusiasticsaver
    • By enthusiasticsaver 5th Sep 17, 6:14 PM
    • 4,267 Posts
    • 7,725 Thanks
    enthusiasticsaver
    That's great HI. Why do you want to change to 4 weekly rather than weekly?
    Countdown to early retirement on 21.12.17 3 months to go.
    • Hiddenidenity
    • By Hiddenidenity 5th Sep 17, 7:20 PM
    • 4,783 Posts
    • 20,885 Thanks
    Hiddenidenity
    Kids in bed, uniforms ironed, kitchen cleaned and I'm just going to have a cuppa and sit down before doing the floors and heading to shower and bed myself!

    I wanted it 4 weekly to help budget
    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 5th Sep 17, 8:29 PM
    • 4,783 Posts
    • 20,885 Thanks
    Hiddenidenity
    Okay I'm done! Everything completed on my list and a few more. Soup in the slow cooker over night so I can pack some up for lunch at work in the morning.

    Hope youngest day at school goes better tomorrow than yesterday! We will see, although I think the fact they aren't in today will just make it as bad as yesterday!

    I have done my shop for weekend to come Sunday night (We are away Fri-Sun) so don't need milk etc until Sun night 9-10pm, used my nectar points to pay and a voucher for £10 off. £12.50 to be paid.

    Got a few Amazon vouchers in today but still outstanding some.

    Today was a NSD.

    Nothing much else to report, I think the money side of things will be really quiet now until 18th October! and my other witterings are just boring
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • earthgirl
    • By earthgirl 5th Sep 17, 8:36 PM
    • 2,412 Posts
    • 19,486 Thanks
    earthgirl
    Not boring! Never! It's great that you all had such a good day today, and do organised for tomorrow! Hats off to you!
    15/5/12 Paid off Mortgage 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset in 2014) Jan 16 - £67, 852 (£26,550 offset in 2015) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    June 17 £32,053 Sept 17 £22,619
    Kids savings 13,578/36k
    • Hiddenidenity
    • By Hiddenidenity 5th Sep 17, 8:48 PM
    • 4,783 Posts
    • 20,885 Thanks
    Hiddenidenity
    I'm trying to plan so I don't spend/pick at unhealthy stuff.

    So soup from home made from the sorry looking fridge finds is the plan

    Plus the extra walking and being on my feet 5 hours in a hot kitchen hopefully helps
    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 5th Sep 17, 9:13 PM
    • 4,284 Posts
    • 23,535 Thanks
    Sun Addict
    Glad your first day at work went well I live on home-made soup for work lunches, make a big batch on Sunday to last all week.
    Virtual Sealed Pot £621.40
    September NSD 9/18
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Honeysucklelou2
    • By Honeysucklelou2 5th Sep 17, 9:29 PM
    • 385 Posts
    • 1,161 Thanks
    Honeysucklelou2
    So glad you had a good day and much admiration for getting all the jobs done at home as 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
    • missymoo81
    • By missymoo81 5th Sep 17, 10:20 PM
    • 5,551 Posts
    • 17,939 Thanks
    missymoo81
    Wow super well done hidden, doing s dsy at work, sorting small ones for school, cooking a healthy dinner, washing, ironing, and making soup and cleaning floors, I am a little bit in awe, my work days are my excuse to do absolutely nothing else, as I tell myself I just don't have time! I did actually clean up today though, I thought of you actually, and how much you achieve in a day and I actually cleaned my bathrooms, hallway and outside the front! I hope ou get some good sleep. X
    • Hiddenidenity
    • By Hiddenidenity 6th Sep 17, 9:20 AM
    • 4,783 Posts
    • 20,885 Thanks
    Hiddenidenity
    Small ones in school Youngest full on protesting still Makes me feel so bad I want to cry

    Just having a cuppa and deciding what to chuck in the slow cooker for dinner and waiting for the washer to finish so I can swap it over before leaving for work.

    Hope everyone has a good day x
    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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