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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 409Posts
    • 2,802Thanks
    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 19
    • abba1772
    • By abba1772 3rd Dec 17, 3:33 PM
    • 4,019 Posts
    • 12,326 Thanks
    abba1772
    Wow to the 17 doors xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4536.82
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £6792.72 / £6000
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 3rd Dec 17, 3:40 PM
    • 2,215 Posts
    • 10,608 Thanks
    HairyHandofDartmoor
    Well done on all your painting . I don't understand why you have so many doors , I would definitely do that bit after Christmas.

    Don't work yourself to death .
    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
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • beanielou
    • By beanielou 3rd Dec 17, 4:11 PM
    • 49,020 Posts
    • 181,948 Thanks
    beanielou
    to 17 doors.
    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***
    • beanielou
    • By beanielou 3rd Dec 17, 4:13 PM
    • 49,020 Posts
    • 181,948 Thanks
    beanielou
    I have just counted and I only have 2 external doors & 8 interior in total.
    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***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 3rd Dec 17, 4:34 PM
    • 2,215 Posts
    • 10,608 Thanks
    HairyHandofDartmoor
    That sounds like a normal number of doors beanie .
    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
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • UncannyScot
    • By UncannyScot 3rd Dec 17, 6:15 PM
    • 876 Posts
    • 5,100 Thanks
    UncannyScot
    Please don't do too much and overtire yourself missus
    (((((HUGS)))))

    Hope you've had a good day and that you and the kids have enjoyed your activities today
    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.
    • fay66
    • By fay66 3rd Dec 17, 6:28 PM
    • 663 Posts
    • 1,564 Thanks
    fay66
    I only have 6 plus 2, I must be the poorest
    Inland revenue £4500=
    Loan £2610
    Pay day loans - 135+600+300+300
    Credit card 1 - 5186
    CC2 -1038
    CC3 - 548 cc4 234
    • UncannyScot
    • By UncannyScot 3rd Dec 17, 6:32 PM
    • 876 Posts
    • 5,100 Thanks
    UncannyScot
    Doors?
    I have... hold on til I take a count... 8 internal and 1 external...
    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 3rd Dec 17, 7:16 PM
    • 409 Posts
    • 2,802 Thanks
    WannabeFree
    We have too many doors. Even downstairs there's 2 in the living room, 3 in the kitchen, 3 in the hall way. Then 2 doors to outside on the back and one on the front to outside.

    Then upstairs for each bedroom there's a the bedroom door, 3 x walk in cupboard doors spread along and a smaller door. Then the bathroom door and toilet door and each of these have walk in cupboard doors and small doors. Plus boiler room door and a small door. The whole landing is basically full size doors along both sides Means we don't really need any wardrobes/toy storage etc though.
    “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 3rd Dec 17, 7:18 PM
    • 409 Posts
    • 2,802 Thanks
    WannabeFree
    Today's to do list

    Washing/Drying/Ironing - more ironing
    My room
    Girls room
    Uniforms
    Polish shoes
    Homework
    Cook roast for smalls - been requested
    Order blinds
    Plan this weeks appointments
    Finish Kitchen
    Book mum to help with wallpaper because I give up!
    Bath smalls early
    Find an Xmas movie
    Make popcorn
    Clean the front door
    Sweep outside the front
    Clean kitchen once the paintings done. Looks like its been snowing white paint currently.
    Still going!

    Stopped for a coffee break
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Sun Addict
    • By Sun Addict 3rd Dec 17, 7:36 PM
    • 4,726 Posts
    • 28,123 Thanks
    Sun Addict
    And I thought my to do list was long

    I wish you'd call it a day with the painting until after Christmas, life's too short ...Time to relax and enjoy the build up.
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • WannabeFree
    • By WannabeFree 3rd Dec 17, 7:37 PM
    • 409 Posts
    • 2,802 Thanks
    WannabeFree
    I'm not going to go as full on doing the stairs etc. I will just spend a couple of hours each night on it once the smalls are in bed.

    I need to finish downstairs so I can but the decorations etc up, plus we will have people visiting over Xmas etc and I don't like it not being right
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 3rd Dec 17, 7:40 PM
    • 2,215 Posts
    • 10,608 Thanks
    HairyHandofDartmoor
    We have 10 internal doors and 2 external doors. Are we having door comparisons .
    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
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • WannabeFree
    • By WannabeFree 3rd Dec 17, 9:01 PM
    • 409 Posts
    • 2,802 Thanks
    WannabeFree
    Loving the door comparisons

    Another coffee break I'm slowing One more coat should be done! and a few touching up of the gloss. Then will get back to my to-do list.
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Sun Addict
    • By Sun Addict 3rd Dec 17, 9:03 PM
    • 4,726 Posts
    • 28,123 Thanks
    Sun Addict
    I don't know how you stay up and doing so late. I think I'm burning the midnight oil if I'm still awake at 9pm
    Virtual Sealed Pot 2018 £20.70
    December 3 NSD
    Weight loss 2/7lbs
    Mr SA finally in remission December 2013
    • WannabeFree
    • By WannabeFree 3rd Dec 17, 9:08 PM
    • 409 Posts
    • 2,802 Thanks
    WannabeFree
    My fuels running low now Will push through it though. I really want it done. I want to get the wallpaper up now though but I can't

    Just realised tomorrow's appointments will require taxi's too. Need to remember to get the money out on the school run. Glad I looked! although it means we'll be in town at rush hour Joyful! Think I'm going to change her next one to earlier in the day even if it means collecting her from School early. I don't fancy a dash through town for 5pm on the 18th with all 3 smalls. Need to write it on the list for tomorrow. I think all the others will be okay as we can avoid going through town.
    “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 3rd Dec 17, 10:14 PM
    • 409 Posts
    • 2,802 Thanks
    WannabeFree
    December goals

    Money
    £135 to Council Tax - £0/£135
    £60 Rent - £0/£60
    £80 Groceries - £0/£80
    £50 Other Debt - £0/£50

    Extra income (Waiting for)
    Populuslive £50 Cheque

    Plans
    1st - Non Uniform £2 Done £3
    7th - Youngest dress as a character for calendar pictures
    8th - Smalls Xmas dinner £5 Paid
    11th - School Panto trip £42
    11th - Youngest Xmas party
    12th - Youngest Nativity 10.30am
    13th - Xmas Fayre & Santa Express Train
    13th - School Santa £18
    14th - Christmas roadshow
    14th - Youngest School Santa £9
    15th - Xmas jumper day £3
    18th - DS Xmas Production
    19th - DD Xmas Production
    22nd - Last day of term

    Youngest appointments x 8
    Make and keep my own appointments
    Decorate Living room - Wallpaper to go up
    Decorate Kitchen - Wallpaper to go up
    Decorate Hallway
    Decorate Stairs
    Decorate Landing
    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
    Buy Mugs
    Buy 2 photo frames
    Buy storage boxes for toy cupboard
    £10 for DS to buy his sisters a gift.
    £10 for DD to buy DS and DD a gift
    £10 for Youngest to buy DS and DD a gift.

    Unbudgeted spends
    £35 DIY store
    £2.50 Coffee
    £1.50 Sweets

    Activity a day

    1st - Paint Xmas pictures - Done Amazing fun
    2nd - Make Xmas decorations - Glitter everywhere! Done
    3rd - Xmas movie & popcorn - Done
    4th - Make Xmas cards
    5th - Read Xmas stories (busy with appointments needed something quick)
    6th - Finish Xmas cards/envelopes
    7th - Winter walk & post cards
    “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 3rd Dec 17, 10:17 PM
    • 409 Posts
    • 2,802 Thanks
    WannabeFree
    Think I might have to change tomorrows activity. I don't think we will be back home till near 7pm from youngest's appointment. Need to think of something quick

    Need to buy some edible glitter too! Must add it to the list on my phone or I'll forget.
    “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 3rd Dec 17, 11:13 PM
    • 409 Posts
    • 2,802 Thanks
    WannabeFree
    Debt 03/12/2017

    Council Tax £2092.71 £1350
    Court Fine £1250 £825
    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
    *Credit Card £226.14

    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 3rd Dec 17, 11:20 PM
    • 409 Posts
    • 2,802 Thanks
    WannabeFree
    December Payments Needed

    9th December - £113.07 Rent
    9th December - £10 Fine
    16th December - £113.07 Rent
    16th December - £10 Fine
    21st December - £10 Debt 1
    23rd December - £113.07 Rent
    23rd December - £10 Fine
    28th December - £135 Council tax
    30th December - £113.07 Rent
    30th December - £10 Fine

    Also
    £226.14 Credit Card
    £100 Person 4
    £200 New Debt
    “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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