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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 421Posts
    • 2,908Thanks
    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 23
    • WannabeFree
    • By WannabeFree 6th Dec 17, 10:44 PM
    • 421 Posts
    • 2,908 Thanks
    WannabeFree
    December goals

    Money
    ú135 to Council Tax - ú0/ú135
    ú60 Rent - ú0/ú60
    ú80 Groceries - ú9/ú80
    ú50 Other Debt - ú0/ú50

    Extra income (Waiting for)
    Populuslive ú50 Cheque

    Plans
    1st - Non Uniform ú2 Done ú3
    7th - Youngest dress as a character for calendar pictures - She refuses to dress up.
    8th - Smalls Xmas dinner ú5 Paid
    11th - School Panto trip ú42 Paid
    11th - Youngest Xmas party - Need cocktail sausages and cake
    12th - Youngest Nativity 10.30am
    13th - Xmas Fayre & Santa Express Train
    13th - School Santa ú18
    14th - Christmas roadshow
    14th - Youngest School Santa ú9
    15th - Xmas jumper day ú3
    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 - Wallpaper to go up
    Decorate Stairs
    Decorate Landing
    School Xmas cards Done and sent
    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
    ú10 for DS to buy his sisters a gift.
    ú10 for DD to buy DS and DD a gift
    ú10 for Youngest to buy DS and DD a gift.

    Unbudgeted spends
    ú35 DIY store
    ú2.50 Coffee
    ú1.50 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 Swapped to 5th all done and drying
    5th - Read Xmas stories (busy with appointments needed something quick) Did on the 4th
    6th - Finish Xmas cards/envelopes - Done
    7th - Winter walk & post cards
    Last edited by WannabeFree; 06-12-2017 at 10:47 PM.
    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 6th Dec 17, 10:46 PM
    • 421 Posts
    • 2,908 Thanks
    WannabeFree
    Boring update really.

    No money in or out to debt (Plenty out to school ) - had lunch and drinks bought for me and a good ride out to green space.

    No more decorating.

    Not much cleaning.

    Nothing much MSE type things.
    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 6th Dec 17, 10:48 PM
    • 421 Posts
    • 2,908 Thanks
    WannabeFree
    Oh I guess the fact youngest totally refuses to dress up for school tomorrow saves money as she will only go to school in uniform How awful will I feel turning up with her in uniform while everyone else is dressed up

    She really won't back down though, not even with bribes of sweets and things
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • Cherryfudge
    • By Cherryfudge 7th Dec 17, 12:31 AM
    • 955 Posts
    • 4,297 Thanks
    Cherryfudge
    Oh I guess the fact youngest totally refuses to dress up for school tomorrow saves money as she will only go to school in uniform How awful will I feel turning up with her in uniform while everyone else is dressed up

    She really won't back down though, not even with bribes of sweets and things
    Originally posted by WannabeFree
    Tell them all she's gone as a plain clothes detective. That was a favourite ruse for us impoversihed students during Rag Week when we didn't want to get a fine for not going in whatever the costume of the day was!
    • UncannyScot
    • By UncannyScot 7th Dec 17, 8:13 AM
    • 886 Posts
    • 5,147 Thanks
    UncannyScot
    Morning

    Love that the wee yin only wants to wear her school uniform and the plain clothes idea is a good one...

    Have a lovely day, hope the weather isn't too wild where you are
    (((((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 7th Dec 17, 8:25 AM
    • 421 Posts
    • 2,908 Thanks
    WannabeFree
    Morning

    School is for uniform only apparently She refuses to wear anything but uniform She won she's in uniform.

    I'm not ready for it to be morning already I didn't want to get up this morning.

    Going to drop smalls at school and then have coffee in the hope it wakes me up enough to get my jobs done. The cleaning is mainly done but I want to get more painting done before the wallpaper goes up tomorrow.

    Have a good day all x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Dec 17, 8:28 AM
    • 2,253 Posts
    • 10,858 Thanks
    HairyHandofDartmoor
    She's going as a school girl Wannabe .

    Hope you have a good day.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = ú58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = ú818/Emergency Fund 2 = ú203.76
    • WannabeFree
    • By WannabeFree 7th Dec 17, 9:22 AM
    • 421 Posts
    • 2,908 Thanks
    WannabeFree
    Well smalls in school and as I thought youngest only one in her class not dressed up Bah! Oh well she's happy and I made sure she didn't want to change into dress up once she'd seen everyone else dressed up.

    Today's plans are not much really Again.
    Need to meal plan
    Need to check what needs paying and things.
    Need to transfer myself money back to cover Amazon order
    Need to get write a list for supermarket tomorrow
    Need to remember to ask school youngest's hours for Monday I think she needs collecting at 11! but it hasn't been confirmed.
    Need to finish painting and touching up
    We need to post Xmas cards smalls made
    Finish the letters from Santa to smalls in reply to letters they sent
    Drop things into food bank with smalls maybe a weekend thing.
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • pennywisepoundstupid
    • By pennywisepoundstupid 7th Dec 17, 9:54 AM
    • 4,437 Posts
    • 13,853 Thanks
    pennywisepoundstupid
    Bless your little one not wanting to dress up, she obviously knows her own mind and if she is happy that's all that matters.

    Have a good day.xx
    Be mindful of your self-talk. It's a conversation with the Universe."

    Debt free and saving for my future
    • DaringToDream
    • By DaringToDream 7th Dec 17, 10:07 AM
    • 161 Posts
    • 476 Thanks
    DaringToDream
    Bless your smallest- what a cutie!

    Just caught up on your diary- you are making great progress with your debt, and can't believe how well you are doing with your decorating too- i've had a pot of paint sitting in the cupboard under the stairs to do the spare room for 2 months and still not got round to it, maybe that should be a job for this weekend!!
    Total Debt Paid: ú562.6 / ú16062.60 (3.5% debt gone)
    Holiday fund ú1400/ ú1400
    Holiday Spends ú0/ ú250
    • WannabeFree
    • By WannabeFree 7th Dec 17, 12:02 PM
    • 421 Posts
    • 2,908 Thanks
    WannabeFree
    Think I have got half of MSE painting
    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 7th Dec 17, 12:05 PM
    • 421 Posts
    • 2,908 Thanks
    WannabeFree
    Today's plans are not much really Again.
    Need to meal plan
    Need to check what needs paying and things.
    Need to transfer myself money back to cover Amazon order
    Need to get write a list for supermarket tomorrow
    Need to remember to ask school youngest's hours for Monday I think she needs collecting at 11! but it hasn't been confirmed. 11am finish
    Need to finish painting and touching up
    We need to post Xmas cards smalls made
    Finish the letters from Santa to smalls in reply to letters they sent Done sealed and ready to drop in the letter box I'm not paying post to my own house
    Drop things into food bank with smalls maybe a weekend thing.
    Still not painted Need to look at the bank and things and work out where we are at I don't think I want too

    Need to write a list of supermarket needs - popping in costs too much!
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • Cherryfudge
    • By Cherryfudge 7th Dec 17, 12:16 PM
    • 955 Posts
    • 4,297 Thanks
    Cherryfudge
    Think I have got half of MSE painting
    Originally posted by WannabeFree
    And the other half (including me) feeling guilty about the painting we 'ought' to be doing!
    • joeyjimbles
    • By joeyjimbles 7th Dec 17, 12:37 PM
    • 1,429 Posts
    • 7,721 Thanks
    joeyjimbles
    Varnishing floors in this house - sort of painting.
    DS2 hated dressing up - would only ever do it for plays and things and then under duress - he always said he didn't want to be anyone else.
    • WannabeFree
    • By WannabeFree 7th Dec 17, 4:09 PM
    • 421 Posts
    • 2,908 Thanks
    WannabeFree
    She doesn't even like having to go in PE kit on Fridays. It's always a battle

    Anyway smalls are home and the weather is crazy! They must be expecting it to get quite bad as the GP has sent texts along with the hospital Strange.

    Need to feed smalls and then brave going to the post box, I did say a winter walk It's definitely winter like!

    Don't think Mum is going to come and help with the wallpaper now. So might just get on with it myself. Meh! Always the way.
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • UncannyScot
    • By UncannyScot 7th Dec 17, 5:34 PM
    • 886 Posts
    • 5,147 Thanks
    UncannyScot
    There is a winter storm due to hit up here, North o the Wall tonight...
    So it's possible everyone in the North is going to get something...

    Wrap up warm and be careful out there
    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 7th Dec 17, 5:40 PM
    • 2,253 Posts
    • 10,858 Thanks
    HairyHandofDartmoor
    Be careful Wannabe if storms are coming.

    I seem to be spending a lot lately and not enough coming in .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = ú58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = ú818/Emergency Fund 2 = ú203.76
    • beanielou
    • By beanielou 7th Dec 17, 5:51 PM
    • 49,035 Posts
    • 182,072 Thanks
    beanielou
    Stay safe everyone
    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***
    • WannabeFree
    • By WannabeFree 7th Dec 17, 6:31 PM
    • 421 Posts
    • 2,908 Thanks
    WannabeFree
    Luckily it isn't too bad yet. Best to be prepared I guess.

    We got to the post box and walked through the park back home. Smalls having hot chocolates again How healthy Then they can go to bed.

    They've been taking turns to sing me the songs from their nativities and lines they need to learn. I love the excitement they have.

    I'm going to get them tucked up in bed and work out where we are money wise. Need to also do a shopping list as we do need some things. Mainly milk/bread/tin tomatoes and some fresh fruit and veg I think. Maybe juice.
    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 7th Dec 17, 8:32 PM
    • 421 Posts
    • 2,908 Thanks
    WannabeFree
    I think I need someone to come and do my budgets and shopping list for me. I still haven't got back of the sofa
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
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