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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 1,081Posts
    • 8,860Thanks
    WannabeFree
    “Rock bottom became the solid foundation on which I rebuilt my life.”
    • #1
    • 21st Nov 17, 11:04 AM
    “Rock bottom became the solid foundation on which I rebuilt my life.” 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 £2092.71
    Court Fine £1250
    Court Fine £200
    Person 1 £1000
    Person 2 £1000
    Person 3 £1379
    Person 4 £427
    Debt Total £7348.71

    Rent Arrears £3381.28

    Total £10729.99

    *Person 4 £575
    *New Debt £732
    *Debt 1 £387.29
    *Debt 2 £1451.40
    *Debt 3 £1137.73
    *EDF £3140.65

    Total £18154.06

    *As more comes out from under the carpet I will update here.
    Last edited by WannabeFree; 21-11-2017 at 12:21 PM.
Page 15
    • WannabeFree
    • By WannabeFree 30th Nov 17, 4:03 PM
    • 1,081 Posts
    • 8,860 Thanks
    WannabeFree
    Ever just want the merry go round to stop and let you get off?

    Yep. That describes today.
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • beanielou
    • By beanielou 30th Nov 17, 4:22 PM
    • 50,516 Posts
    • 193,096 Thanks
    beanielou
    Keep plodding.
    Baby steps
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Toni'sfriend
    • By Toni'sfriend 30th Nov 17, 4:37 PM
    • 823 Posts
    • 11,057 Thanks
    Toni'sfriend
    Ever just want the merry go round to stop and let you get off?
    Many times!!!
    • EssexHebridean
    • By EssexHebridean 30th Nov 17, 4:55 PM
    • 8,479 Posts
    • 45,253 Thanks
    EssexHebridean
    Oh yes - been there many times!

    Does writing it all down help? (Not necessarily here - have you thought of maybe writing on a private writing site? Penzu is worth a look if not - easy to use, nothing fancy, but as private as you want it to be) (But here is also good if we can help at all)
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£842.87 (12/02/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Lucifa73
    • By Lucifa73 30th Nov 17, 5:31 PM
    • 7,282 Posts
    • 9,088 Thanks
    Lucifa73
    Hope you don't mind me parachuting in from nowhere!


    I have read the entirety of this thread from post #1. What comes through for me is the love for your children, your absolute courage and your strength.


    Back yourself.


    You've got this. And the wonderful people on this forum will be here for you on the days when you don't feel like you have.


    Take care x
    80/20 - Life is to be enjoyed, not endured
    • WannabeFree
    • By WannabeFree 30th Nov 17, 8:08 PM
    • 1,081 Posts
    • 8,860 Thanks
    WannabeFree
    Oh yes - been there many times!

    Does writing it all down help? (Not necessarily here - have you thought of maybe writing on a private writing site? Penzu is worth a look if not - easy to use, nothing fancy, but as private as you want it to be) (But here is also good if we can help at all)
    Originally posted by EssexHebridean
    I took the approach of Freezing to death going for a long walk

    I've even had two paper cup coffees

    I now realise it works to stop you thinking about things because it's so cold you have no choice. It IS lovely and quiet though, along with dark and cold
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • WannabeFree
    • By WannabeFree 30th Nov 17, 8:11 PM
    • 1,081 Posts
    • 8,860 Thanks
    WannabeFree
    Rent people called. Informing me I needed to pay £226.14 I actually forgot and I don't have the credit card with me I told them I'd do it as soon as I get home tonight. She said she wasn't sure if this was good enough as it won't show on the account until next week now Someone from the court enforcement team is calling tomorrow. Great stuff
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • UncannyScot
    • By UncannyScot 30th Nov 17, 9:19 PM
    • 1,151 Posts
    • 7,013 Thanks
    UncannyScot
    If it's due today and you pay it today, what's the problem?
    Their systems are obviously rubbish... wait, it's local government or a housing association that the local government have given away their social housing responsibilities to, so... erm yeah... rubbish systems and rubbish government both local and centrally at wasteminister (that's not a spelling mistake btw... I have nowt but contempt for the tories)
    If the CC company shows a transaction dated today, then the rent has officially been paid the date it was due and those to whom it was due have nothing to complain about... not your fault if their systems can't keep up with the pace of everyone else's tech... rant over
    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.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 30th Nov 17, 9:19 PM
    • 3,375 Posts
    • 21,349 Thanks
    HairyHandofDartmoor
    Rent people called. Informing me I needed to pay £226.14 I actually forgot and I don't have the credit card with me I told them I'd do it as soon as I get home tonight. She said she wasn't sure if this was good enough as it won't show on the account until next week now Someone from the court enforcement team is calling tomorrow. Great stuff
    Originally posted by WannabeFree
    Oh no, how stressful for you . Make sure you are ready to pay the court enforcement team tomorrow. Try not to worry about it, although it must have been very upsetting and worrying for you .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £0/Loss of Income Fund £0
    • Sun Addict
    • By Sun Addict 30th Nov 17, 9:24 PM
    • 5,215 Posts
    • 32,997 Thanks
    Sun Addict
    Why will it take a week to show in this day and age? Surely their systems aren't that antiquated. Hope you get it sorted.

    Now - about your eating. I can understand you feel it's something you can control in a world where everything seems to be out of your control. However, you need to be well to look after the smalls. You'll make yourself ill if you don't get the right nutrients. You need to be strong and well to fight off the bad things.

    Hope the paper coffee cups were Christmas ones

    Take care xx
    Virtual Sealed Pot 2018 £153.08
    Jan NSDs 4 Feb AFDs 1
    Weight loss 4/10LBS Emergency Fund £2000/£10,000
    April holiday £0/£900
    Dining room fund £150
    • UncannyScot
    • By UncannyScot 30th Nov 17, 9:35 PM
    • 1,151 Posts
    • 7,013 Thanks
    UncannyScot
    Why will it take a week to show in this day and age? Surely their systems aren't that antiquated. Hope you get it sorted.
    Originally posted by Sun Addict
    Yes, yes they are... my local council are the same... 5 working days to clear in the system
    Thankfully though, the folks I have dealt with in my local council are superb.
    As I am paid monthly, I clear my rent each month, however in a 5 week month I may technically fall into a weeks arrears and one of the rent team will call me and I will remind them that I am paid monthly and will clear when I am paid etc. They are absolutely fine about it and every time I ask, why don't they have a note of this in their systems, it is the same reply, "the system is ancient and cannot cope with things like that"...
    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 1st Dec 17, 1:01 AM
    • 1,081 Posts
    • 8,860 Thanks
    WannabeFree
    I know I am worried just hope I get someone nice tomorrow

    Well I've not long been home. Got into bed and someone just knocked at the door! By the time I'd braved going to see who it was they'd gone

    Who even knocks on someone's door at this time then doesn't give them chance to answer!
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Eager_Elephant
    • By Eager_Elephant 1st Dec 17, 5:56 AM
    • 4,204 Posts
    • 23,794 Thanks
    Eager_Elephant
    Maybe they thought you were going to pay at the shop on a card - my local authority have payment cards and when used at local shops they take 5 working days (or more) to appear in the council's bank account whereas telephone and online payments show next day.

    Payment by standing order takes 1-2 days.

    How did you pay? Have you got your receipt number to give them?

    I can't see how they can say that you have done anything wrong, as US says, as long as it is paid on the day the rent is due then there is no issue.

    Make sure you also let them know if you have claimed Housing Benefit as that will make a huge difference and if awarded will put you ahead of your court order.
    Ninja Saving Turtle No. 24 for January
    NSD - 16/18
    (up to 27/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • WannabeFree
    • By WannabeFree 1st Dec 17, 6:04 AM
    • 1,081 Posts
    • 8,860 Thanks
    WannabeFree
    I paid online using the credit card. Yeah I have the transaction number etc and have emailed them the receipt email.

    So hopefully that's okay.
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • pennywisepoundstupid
    • By pennywisepoundstupid 1st Dec 17, 6:33 AM
    • 4,632 Posts
    • 15,382 Thanks
    pennywisepoundstupid
    Hope everything gets sorted with the rent.

    Also hope your ok, did you manage to get any sleep? I noticed you posted at 1am then 6am.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £349.02 General savings £160.24
    Clothes challenge £250/£36.63
    • UncannyScot
    • By UncannyScot 1st Dec 17, 7:47 AM
    • 1,151 Posts
    • 7,013 Thanks
    UncannyScot
    Morning missus

    Have a lovely day
    (((((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.
    • WannabeFree
    • By WannabeFree 1st Dec 17, 8:51 AM
    • 1,081 Posts
    • 8,860 Thanks
    WannabeFree
    November goals

    Money
    £135 to Council Tax Paid
    £339.21 Rent Paid
    £50 Groceries - £7.19/£50

    Extra income (Waiting for)
    Onepoll £40
    Pureprofile £25

    Plans
    Two bigger smalls to get 100% attendance .. Well that's a fail not even a week into November
    Post Nephews Birthday card
    DD School trip
    DS School trip
    Parents evening Need to rearrange I missed as was sick
    DS Assembly
    DD Workshop
    DS Parents evening


    List of things I need to sort in October.
    DD's clothes - just tights
    Youngest - leggings and socks
    BIL Birthday card running out of time Opps Ran out of time, got one today and just posted in it's his birthday today
    Buy Christmas Jumpers x 3
    School trip £6
    School trip £3
    Post money to
    Post school photos
    Youngest School trip £14
    Youngest School Event £2.20

    Unbudgeted spends
    Posted some money to someone x 2 as first still not arrived
    Posted School photos
    School Shoes for DS again
    More School t-shirts for youngest
    School trainers for youngest
    School tights for DD
    £8 Xmas gifts
    £5 Food bank
    £5 T-shirts for non-uniform
    £2 Sweets
    £2 Coffee
    £4 Taxi
    £12 Taxi
    £2 Coffee
    £4.50 Coffee

    Well that's November done!
    I Spend too much on school and coffee
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • WannabeFree
    • By WannabeFree 1st Dec 17, 9:01 AM
    • 1,081 Posts
    • 8,860 Thanks
    WannabeFree
    December goals

    Money
    £135 to Council Tax
    £60 Rent
    £80 Groceries - £/£80
    £50 Other Debt

    Extra income (Waiting for)
    Populuslive £50 Cheque

    Plans
    1st - Non Uniform £2
    8th - Smalls Xmas dinner £5
    13th - Xmas Fayre
    13th - School Santa £27
    20th - School Pantomime £42
    Youngest appointments x 8
    Make and keep my own appointments
    Decorate Living room
    Decorate Kitchen
    School Xmas cards
    Finish Xmas shopping
    Xmas tree
    Xmas cards

    List of things I need to sort in December
    DD's clothes - just tights
    Youngest - leggings and socks
    Xmas tree
    Xmas gifts
    Xmas cards
    Buy a Kettle

    Unbudgeted spends
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • WannabeFree
    • By WannabeFree 1st Dec 17, 9:05 AM
    • 1,081 Posts
    • 8,860 Thanks
    WannabeFree
    Debt 01/12/2017

    Council Tax £2092.71 £1350
    Court Fine £1250 £825 (£10 paid)
    Court Fine £200 £0
    Person 1 £1000 (Happy to wait)
    Person 2 £1000 (Happy to wait)
    Person 3 £1379 £1360
    Person 4 £427 £0

    Debt Total £7348.71 £5535 (£1813.71 Paid)

    Rent Arrears £3381.28 £2945 (£436.28 paid)

    Total £10729.99 £8480 (£2249.99 Paid)

    *Person 4 £575 £275
    *New Debt £732 £532 (£200 paid)
    *Debt 1 £387.29 £377.29

    Catch up
    Rent £339.21 Paid
    Council tax £135 Paid
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • WannabeFree
    • By WannabeFree 1st Dec 17, 9:06 AM
    • 1,081 Posts
    • 8,860 Thanks
    WannabeFree
    Hope everything gets sorted with the rent.

    Also hope your ok, did you manage to get any sleep? I noticed you posted at 1am then 6am.
    Originally posted by pennywisepoundstupid
    Thank you all sorted.

    Caught out! Not really. No less than usual though x

    Morning missus

    Have a lovely day
    (((((HUGS)))))
    Originally posted by UncannyScot
    Morning x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
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