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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 421Posts
    • 2,871Thanks
    WannabeFree
    ôRock bottom became the solid foundation on which I rebuilt my life.ö
    • #1
    • 21st Nov 17, 11:04 AM
    ôRock bottom became the solid foundation on which I rebuilt my life.ö 21st Nov 17 at 11:04 AM
    Back in May this year I decided things had to change. I turned to here and received an amazing amount of help and advice. Here I am making a fresh start.

    Debt 09/05/2017

    Council Tax ú2092.71
    Court Fine ú1250
    Court Fine ú200
    Person 1 ú1000
    Person 2 ú1000
    Person 3 ú1379
    Person 4 ú427
    Debt Total ú7348.71

    Rent Arrears ú3381.28

    Total ú10729.99

    *Person 4 ú575
    *New Debt ú732
    *Debt 1 ú387.29
    *Debt 2 ú1451.40
    *Debt 3 ú1137.73
    *EDF ú3140.65

    Total ú18154.06

    *As more comes out from under the carpet I will update here.
    Last edited by WannabeFree; 21-11-2017 at 12:21 PM.
Page 1
    • UncannyScot
    • By UncannyScot 21st Nov 17, 11:13 AM
    • 882 Posts
    • 5,122 Thanks
    UncannyScot
    • #2
    • 21st Nov 17, 11:13 AM
    • #2
    • 21st Nov 17, 11:13 AM
    Hello and Welcome

    We're all here to help and you've made a great start
    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.
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:29 AM
    • 421 Posts
    • 2,871 Thanks
    WannabeFree
    • #3
    • 21st Nov 17, 11:29 AM
    • #3
    • 21st Nov 17, 11:29 AM
    Debt 21/11/2017

    Council Tax ú2092.71 ú1350
    Court Fine ú1250 ú845
    Court Fine ú200 ú0
    Person 1 ú1000
    Person 2 ú1000
    Person 3 ú1379 ú1360
    Person 4 ú427 ú0

    Debt Total ú7348.71 ú5555 (ú1793.71 Paid)

    Rent Arrears ú3381.28 ú2960 (ú421.28 paid)

    Total ú10729.99 ú8515 (ú2214.99 Paid)

    *Person 4 ú575 ú275
    *New Debt ú732
    *Debt 1 ú387.29 ú377.29
    *Debt 2 ú1451.40
    *Debt 3 ú1137.73
    *EDF ú3140.65 ú0

    Total ú18154.06 ú12488.42
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:47 AM
    • 421 Posts
    • 2,871 Thanks
    WannabeFree
    • #4
    • 21st Nov 17, 11:47 AM
    • #4
    • 21st Nov 17, 11:47 AM
    Bit about us

    Me and 3 delightful smalls .. Well delightful the majority of the time 8 year old DS, 6 year old DD and 3 year old DD.

    Work nearly full time (although on sick leave currently while bones and head are repairing ) Hopefully not for much longer though.

    It's a complicated background so I'll keep it away from here but more determined than ever to get things sorted.

    Will post plans and things eventually and drive you all insane with pointless lists and cleaning routines
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • EssexHebridean
    • By EssexHebridean 21st Nov 17, 11:48 AM
    • 8,234 Posts
    • 43,570 Thanks
    EssexHebridean
    • #5
    • 21st Nov 17, 11:48 AM
    • #5
    • 21st Nov 17, 11:48 AM
    Hurrah - you're back!! Very glad to see it! **subscribed**
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 ú1229.00/ú702.45 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • WannabeFree
    • By WannabeFree 21st Nov 17, 12:02 PM
    • 421 Posts
    • 2,871 Thanks
    WannabeFree
    • #6
    • 21st Nov 17, 12:02 PM
    • #6
    • 21st Nov 17, 12:02 PM
    Hurrah - you're back!! Very glad to see it! **subscribed**
    Originally posted by EssexHebridean
    Hopefully without causing offence to anyone this time. I will very much keep to Debt busting and cleaning this time

    Or maybe its the cleaning that's the problem!
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • WannabeFree
    • By WannabeFree 21st Nov 17, 12:04 PM
    • 421 Posts
    • 2,871 Thanks
    WannabeFree
    • #7
    • 21st Nov 17, 12:04 PM
    • #7
    • 21st Nov 17, 12:04 PM
    So bit pointless posting my November Goals now. Will wait until December. When things are hopefully more settled.

    First things first.

    Council Tax ú135 Due 28th
    Rent ú339.21 Due 30th

    These are the priority. Smalls are away and being well entertained, fed and looked after.
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • EssexHebridean
    • By EssexHebridean 21st Nov 17, 12:11 PM
    • 8,234 Posts
    • 43,570 Thanks
    EssexHebridean
    • #8
    • 21st Nov 17, 12:11 PM
    • #8
    • 21st Nov 17, 12:11 PM
    Hopefully without causing offence to anyone this time. I will very much keep to Debt busting and cleaning this time

    Or maybe its the cleaning that's the problem!
    Originally posted by WannabeFree
    Weeelllll.... Nope - that just makes the rest of us sloverns feel slightly guilty! Maybe we'll ALL find some middle ground!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 ú1229.00/ú702.45 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Purplemumof2
    • By Purplemumof2 21st Nov 17, 12:56 PM
    • 5,286 Posts
    • 18,598 Thanks
    Purplemumof2
    • #9
    • 21st Nov 17, 12:56 PM
    • #9
    • 21st Nov 17, 12:56 PM
    Yay! You're back and I have subscribed xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: ú7000.00 Cap 1: ú457.35 BC: ú5000.00

    AFD 0/10 NSD 0/10 LTW 0/10
    POAMAYC 2018 #?? PD ú0.00/ú4000
    20p Savers 2017 ú2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • Toni'sfriend
    • By Toni'sfriend 21st Nov 17, 12:59 PM
    • 705 Posts
    • 9,656 Thanks
    Toni'sfriend
    Nice to see you back again. xxx
    • EssexHebridean
    • By EssexHebridean 21st Nov 17, 1:04 PM
    • 8,234 Posts
    • 43,570 Thanks
    EssexHebridean
    LOVE the new thread title!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 ú1229.00/ú702.45 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • carolbee
    • By carolbee 21st Nov 17, 1:13 PM
    • 973 Posts
    • 6,419 Thanks
    carolbee
    Lovely to see you back
    Carolbee
    • WannabeFree
    • By WannabeFree 21st Nov 17, 3:30 PM
    • 421 Posts
    • 2,871 Thanks
    WannabeFree
    Not much progress on sorting the problems that are priority.

    However, Debt 2 & Debt 3 are now on 'hold' while investigated.

    Person 1, Person 2 have stated no repayments needed. They can't help any more than they already have but don't expect the money back that they've helped with previously. I need to speak to Person 3 about sorting paying back however not until the rent and council tax are up to date.

    Person 4 and new debt still needs sorting ASAP
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • Purplemumof2
    • By Purplemumof2 21st Nov 17, 3:40 PM
    • 5,286 Posts
    • 18,598 Thanks
    Purplemumof2
    Sounds like you've made good progress and if P1 and P2 won't hold you to repayments, that will help a lot.

    Good luck with the investigations, I'm sure there'll be a favourable outcome.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: ú7000.00 Cap 1: ú457.35 BC: ú5000.00

    AFD 0/10 NSD 0/10 LTW 0/10
    POAMAYC 2018 #?? PD ú0.00/ú4000
    20p Savers 2017 ú2 Savers 2017 50p Savers 2017 SPC 11 2018 #003
    • Chrystal
    • By Chrystal 21st Nov 17, 4:20 PM
    • 128 Posts
    • 852 Thanks
    Chrystal
    SO glad you're back - I was wondering who I could contact to make sure you were OK! XX
    GC. Oct.17 = ú261.18/ ú300 = + ú38.82 NSDs 20/31
    GC. Sept.17 = ú354.89/ú300 = - ú54.39

    • EssexHebridean
    • By EssexHebridean 21st Nov 17, 4:27 PM
    • 8,234 Posts
    • 43,570 Thanks
    EssexHebridean
    That's good progress all round though Wannabe - even if not specifically on the two priority bits. Well done on getting investigations underway and fingers crossed for the right outcome. And may all good things go to P1 & P2 for their wonderful kind gesture.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 ú1229.00/ú702.45 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Toni'sfriend
    • By Toni'sfriend 21st Nov 17, 4:48 PM
    • 705 Posts
    • 9,656 Thanks
    Toni'sfriend
    That is so kind of P1 and P2 and it is one less thing for you to worry about even if they weren't a priority as such. And lets hope that the investigations into the two debts turn out well.
    Focus on the priority payments for the moment.
    So good the have you back with us.
    • GeorgianaCavendish
    • By GeorgianaCavendish 21st Nov 17, 4:49 PM
    • 529 Posts
    • 3,090 Thanks
    GeorgianaCavendish
    I'm so glad to see that you are still here Wannabe and I really hope that you are well on the way to recovery and will be feeling much better soon
    Georgiana, Duchess of Debt-shire's October 2017 Debt Totals: HSBC Loan ú10,225.95 / MBNA ú3301.93 / Barclaycard ú9961.04/ Lloyds ú3489.16 / Tesco 1 ú897.50/ Tesco 2 ú2327.82

    And don't forget the Student Loan! ú10,765.93 (April 2017)
    • WannabeFree
    • By WannabeFree 21st Nov 17, 5:51 PM
    • 421 Posts
    • 2,871 Thanks
    WannabeFree
    Thank you

    I agree with comments on P1/P2. I will pay them back just a relief they aren't waiting for it now and it relieves some pressure/guilt
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • Toni'sfriend
    • By Toni'sfriend 21st Nov 17, 6:01 PM
    • 705 Posts
    • 9,656 Thanks
    Toni'sfriend
    I was quite sure that you would pay them back eventually but it is a bit of a relief that they don't mind waiting however long. Things are picking up. I just know that there must be a way to sort out the immediate problem and I am equally sure that there is someone on here who will point you in the right direction. You take care.
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