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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 1,113Posts
    • 9,119Thanks
    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 65
    • Cumbria lass
    • By Cumbria lass 8th Feb 18, 8:50 PM
    • 1,373 Posts
    • 7,872 Thanks
    Cumbria lass
    You don't need the stress of school problems , am sure you will get it sorted x
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • mummytogirls
    • By mummytogirls 8th Feb 18, 8:59 PM
    • 5,942 Posts
    • 21,274 Thanks
    mummytogirls
    Happy belated birthday WF xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 8th Feb 18, 10:04 PM
    • 8,612 Posts
    • 49,476 Thanks
    please-let-me-be-lucky
    All caught up! 60 pages read instead of ironing .

    Sorry the school weren’t helpful Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 13/60
    Lbs lost 16/107.
    Savings for Florida £161.90/£1000
    • beanielou
    • By beanielou 8th Feb 18, 10:05 PM
    • 50,646 Posts
    • 193,904 Thanks
    beanielou
    Hopefully school will settle down
    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 8th Feb 18, 10:20 PM
    • 1,113 Posts
    • 9,119 Thanks
    WannabeFree
    I think I'm probably being 'that petty mum' again I think they must hate me by now With DS being the oldest I obviously have nothing to compare too.

    Now I'm not as red in the face angry I'm wondering if I over reacted

    Still plan on making sure its resolved tomorrow now I've confronted them. It will mean I need to do a school run tomorrow afternoon I haven't done one for over a month At least it's the afternoon and I can make sure A. I'm at least looking like a human and B. I can go before it gets too busy
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • charlies tribe
    • By charlies tribe 8th Feb 18, 10:30 PM
    • 619 Posts
    • 5,135 Thanks
    charlies tribe
    Hope it all gets resolved tomorrow. The joys of anxiety/depression, i've done it lots of times and once i've calmed down i wonder if i've overreacted. I'm sure with the amount of times i've burst in to tears at school they must think i'm strange. At least they know you're not going to let them be bullied.
    LBM in April 17 - £5835/£33554 (17.3%) paid.
    2018 PAID OFF TARGET £211/5000
    DFD: 1st May 2022
    SPC #591
    • Honeysucklelou2
    • By Honeysucklelou2 9th Feb 18, 3:55 AM
    • 672 Posts
    • 2,662 Thanks
    Honeysucklelou2
    Hope all goes well this afternoon.
    paydbx #93 £483/£8,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3123 in Jan 18
    • Cumbria lass
    • By Cumbria lass 9th Feb 18, 6:38 AM
    • 1,373 Posts
    • 7,872 Thanks
    Cumbria lass
    Can someone go with you to offer support ? Hope it goes well for you.
    Jan 2018 CC1 £3099 CC2 £220

    Debt Free Nov 2019: earlier if I have my way
    • UncannyScot
    • By UncannyScot 9th Feb 18, 8:21 AM
    • 1,156 Posts
    • 7,050 Thanks
    UncannyScot
    Have a grand day and DON'T let them get to you, stick to your guns
    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.
    • monz
    • By monz 9th Feb 18, 8:35 AM
    • 2,974 Posts
    • 9,180 Thanks
    monz
    Hope all goes well and stick to your guns <3
    Debt (1/9/14) £6,702.11 Debt free (30/11/2016)
    house deposit £6,356.28/10,000
    mothers day 20/20 boots, mums July birthday boots vouchers 0/50
    dads march birthday amazon 25/25
    Niece birthday April 0/50
    holiday - £816.05/1064.72
    • WannabeFree
    • By WannabeFree 9th Feb 18, 8:49 AM
    • 1,113 Posts
    • 9,119 Thanks
    WannabeFree
    Morning,

    Thank you. I will stick to my guns I still think school where wrong. I just worry I look OTT to them. Thankfully it isn't about bullying. If I write it down here you'll all probably agree I'm that annoying Mum though

    DS went happily this morning though knowing it should be resolved this morning and I guess that's all that matters. Will check when I do the school run this afternoon that it is sorted.
    “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 9th Feb 18, 8:53 AM
    • 1,113 Posts
    • 9,119 Thanks
    WannabeFree
    9 Months Debt Busting ..
    Debt 09/05/2017 - Debt 09/02/18

    Council Tax £2092.71 £1350 (742.71 paid)
    Court Fine £1250 Paid (£1250 paid)
    Court Fine £200 Paid (£200 paid)
    Person 1 £1000 Paid (£1000 paid)
    Person 2 £1000 Paid (£1000 paid)
    Person 3 £1379 £1360 (£19 paid)
    Person 4 £427 Paid (£427 paid)

    Debt Total £7348.71 £2710 £4638.71 Paid

    *Rent Arrears £3381.28 £2885 £496.28 paid

    Total £10729.99 £5595 £5134.99 paid

    *Person 4 £575 Paid (£575 paid)
    *New Debt £732Paid (£732 paid)
    *Debt 1 £387.29 Paid (£387.29 paid)
    *Debt 2 £1451.40 Not mine Zero
    *Debt 3 £1137.73 Not Mine Zero
    *EDF £3140.65 Paid (£3140.65 paid)

    Total £18154.06

    Total 5595 £12559.06 Paid

    *Rent Arrears are less than this but not sure how much will update next month.

    I feel like I've cheated on those numbers really, because EDF was paid off by a charity, Debt 2 & 3 have been investigated and I'm not liable and a relative helped to pay Stepdad back and made person 2 Zero.

    So Cheating again no change in numbers. There is but I don't know the amounts Must find out really.
    “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 9th Feb 18, 9:14 AM
    • 1,113 Posts
    • 9,119 Thanks
    WannabeFree
    Bills to be paid in February

    Rent £226.14 Paid
    Rent £226.14 £113.07
    Council Tax £135
    Virgin £70 (Includes quite a few calls this month! £21 nearly )
    Electric £80 £40
    Gas £60 £30
    Bill 1 £105 Paid
    Bill 2 £130 Paid
    Bill 3 £25
    Bill 4 £100 £50
    Bill 5 £40 £20
    Bill 6 £40
    Bill 7 £135 (3rd March)

    Expensive month then.
    Birthday gifts (Done)
    School trip DD (Paid)
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Purplemumof2
    • By Purplemumof2 9th Feb 18, 9:37 AM
    • 5,804 Posts
    • 21,550 Thanks
    Purplemumof2
    Well done lovely xx

    I'm sure the school situation will be resolved.

    Have a great Friday xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • WannabeFree
    • By WannabeFree 9th Feb 18, 12:15 PM
    • 1,113 Posts
    • 9,119 Thanks
    WannabeFree
    No phone call for DS so I think it must have been sorted. I will still be checking though.

    I feel all organised again. The house is clean just some things their Dad needs to do when he's over later mainly outside jobs and the recycling and stuff I can't reach upstairs.

    All forms for school trips and things completed and money attached so I can drop them in later. They have to dress as a number next week? Well that'll be fun! and I have to pay £6 for the privilege DD has a few school trips coming up - I'm sure when I was at school it was only 1 a year

    DD has a birthday party to go to tomorrow. Will probably pay for DS to go in and play while she's attending the party to save taxi's back and forth it will already be over £20 in Taxi's just going and coming home once. Need to get a birthday card for the birthday girl and will pop money in the card because I'm lazy

    I think everything is sorted for DD's birthday next weekend now. Oh no I need gift wrap but I have Christmas wrap if I forget Cake and sweet cones being delivered next Friday ready for the Saturday.

    Council tax saga continues. They have set the weekly payment at £126 and pence. Weird. Called and they said to ignore it and they haven't even looked at the income and expenditure forms.

    I'm just having a cuppa and need to meal plan and write a shopping list. Easy but not all unhealthy stuff for them...
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Cherryfudge
    • By Cherryfudge 9th Feb 18, 1:07 PM
    • 1,340 Posts
    • 6,737 Thanks
    Cherryfudge
    Hope things go well with the school this afternoon.
    • WannabeFree
    • By WannabeFree 9th Feb 18, 4:46 PM
    • 1,113 Posts
    • 9,119 Thanks
    WannabeFree
    School all sorted. His teacher wasn't aware of the incident with the TA and was as shocked as I was. Anyway it's all resolved now and I have a feeling the new TA will be left a bit red faced after what's happened It's done now though. No hard feelings.

    I still haven't sorted shopping! No need to send social services they won't starve

    Sent £5 over to the council tax.

    Now I'm going to make a cuppa, meal plan and sort a shop!
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 9th Feb 18, 4:50 PM
    • 8,612 Posts
    • 49,476 Thanks
    please-let-me-be-lucky
    How on earth are you supposed to dress as a number?? I can only think of a rather disgusting costume and going as a ‘number 2’ Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 13/60
    Lbs lost 16/107.
    Savings for Florida £161.90/£1000
    • WannabeFree
    • By WannabeFree 9th Feb 18, 4:53 PM
    • 1,113 Posts
    • 9,119 Thanks
    WannabeFree


    I actually have no idea. I think it might be another £1 white t-shirt and let them decorate with numbers
    “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 9th Feb 18, 9:19 PM
    • 1,113 Posts
    • 9,119 Thanks
    WannabeFree
    February Goals [/B]

    Debt
    £100 Council Tax - £5/£100
    £60 Rent - £30/£60

    Money
    Grocery £0/£100

    To do list
    7th - My birthday Eat cake with the kids
    10th - DD at friends party
    13th - Stay and play
    16th - Non uniform £6 (school finishes for half term)
    17th - DD birthday & party

    2nd (March) - DS birthday
    4th (March) - DS party
    8th (March) - Youngest birthday

    Will add school things in.

    Lots of appointments. At least 4 a week for me and littlest ones.

    Spends planned
    Buy the Kettle!
    Birthday party (paid for)
    Make/Buy sweet cones Ordered
    DD birthday gift Done
    DS birthday gift Ordered
    Littlest birthday gift Done

    Spends
    £20.82 Card shop online
    £16.25 Sweet cones
    £6 Unity bands
    £30 Cakes
    £4.40 Coffee
    £1 DD's friends card
    £10 into that card
    £1 Cake sale at school
    £11.50 DD trip


    ££ Taxis.. Makes me want to cry. Not adding it up another £40 tomorrow
    “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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