Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 1,086Posts
    • 8,882Thanks
    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 67
    • WannabeFree
    • By WannabeFree 10th Feb 18, 10:01 PM
    • 1,086 Posts
    • 8,882 Thanks
    WannabeFree
    I'm going to ask on Wednesday SA. I already have a prepaid prescription for 12 months but I think I qualify for free ones now anyway.

    I guess I'm quite lucky I'm on some pretty good anti sickness drug finally found 'the one' so fingers crossed adding the antibiotics in doesn't make them stop

    I do feel a bit more like me. Getting use to the reduced to-do list and taking a slower pace for now. It won't be forever .. I hope

    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 10th Feb 18, 10:09 PM
    • 3,380 Posts
    • 21,359 Thanks
    HairyHandofDartmoor
    Sorry you don't feel good Wannabe but hope the antibiotics help. Glad you got the school situation sorted .
    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. Then save up for repairs to the house.
    Emergency Fund 1 = ú818/Emergency Fund 2 = ú0/Loss of Income Fund ú0
    • charlies tribe
    • By charlies tribe 10th Feb 18, 10:30 PM
    • 619 Posts
    • 5,131 Thanks
    charlies tribe
    Glad you're starting to feel a little better, hope the antibiotics don't make you feel worse again.
    LBM in April 17 - ú5835/ú33554 (17.3%) paid.
    2018 PAID OFF TARGET ú211/5000
    DFD: 1st May 2022
    SPC #591
    • Purplemumof2
    • By Purplemumof2 11th Feb 18, 7:43 AM
    • 5,804 Posts
    • 21,546 Thanks
    Purplemumof2
    Morning lovely,

    Hope you're feeling better this morning? Xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: ú6750.00 Cap 1: ú456.79 BC: ú8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD ú1194.42/ú4000
    Savings for Christmas ú60.84/ú365
    20p Savers 2018 ú2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Cumbria lass
    • By Cumbria lass 11th Feb 18, 8:49 AM
    • 1,365 Posts
    • 7,814 Thanks
    Cumbria lass
    Wannabe hope the meds are working , I am still here , had a little mishap yesterday, but feeling better.

    Lidl have kettles on sale !
    Jan 2018 CC1 ú3099 CC2 ú220

    Debt Free Nov 2019: earlier if I have my way
    • WannabeFree
    • By WannabeFree 11th Feb 18, 12:52 PM
    • 1,086 Posts
    • 8,882 Thanks
    WannabeFree
    Morning, well no not quite but still

    I'm okay, guess I should stop moaning about it all the time

    I have some more cleaning that needs doing today, got smalls dad to help with lots of annoying bits yesterday and I have some more jobs for him today Including washing the girls hair and cooking a roast He's sure going to love that.

    I have done the smalls homework with them and that's completed for the week. Trying to find someone available to do stay and play Tuesday.

    I think I'm going to be brave and ask my sister to take me to Primark for some bits for the girls next week. Maybe (This probably won't happen but the thought is there )
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • abba1772
    • By abba1772 11th Feb 18, 2:18 PM
    • 4,338 Posts
    • 14,266 Thanks
    abba1772
    Primark is a dangerous game for me I always overspend
    NEXT TARGET HALIFAX CC WAS July 17 ú3572.57 NOW ú2934.88
    POAMAYC 2011 ú6382.66 POAMAYC 2012 ú5000.78
    POAMAYC 2013 ú3480.04 POAMAYC 2014 ú4085.14
    POAMAYC 2015 ú7565.24 POAMAYC 2016 ú8000.90
    POAMAYC 2017 ú7278.80 POAMAYC 2018 ú1884.24
    • Sun Addict
    • By Sun Addict 11th Feb 18, 2:22 PM
    • 5,215 Posts
    • 33,016 Thanks
    Sun Addict
    Mr SA can easily spend ú100 in Primark - be warned
    Virtual Sealed Pot 2018 ú153.08
    Jan NSDs 4 Feb AFDs 1
    Weight loss 4/10LBS Emergency Fund ú2000/ú10,000
    April holiday ú0/ú900
    Dining room fund ú150
    • WannabeFree
    • By WannabeFree 11th Feb 18, 2:27 PM
    • 1,086 Posts
    • 8,882 Thanks
    WannabeFree
    I hate that place It has to have been at least 2 years since I went in one myself But the girls need some leggings and bits. Everyone says there is 'cheapest' for basics. Maybe I should just send my sister with a list
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • charlies tribe
    • By charlies tribe 11th Feb 18, 3:27 PM
    • 619 Posts
    • 5,131 Thanks
    charlies tribe
    Good luck with the shopping trip, why not make it in to a bit of therapy and arrange a bit of lunch together too. It'll be good to get out and have some company x
    LBM in April 17 - ú5835/ú33554 (17.3%) paid.
    2018 PAID OFF TARGET ú211/5000
    DFD: 1st May 2022
    SPC #591
    • beanielou
    • By beanielou 11th Feb 18, 3:57 PM
    • 50,516 Posts
    • 193,129 Thanks
    beanielou
    Safer to send sister with list I think!
    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 11th Feb 18, 5:00 PM
    • 1,086 Posts
    • 8,882 Thanks
    WannabeFree
    I think I will be making some effort to leave the house other than for hospital appointments. I think having so many appointments has made it easier for me to withdraw back into not leaving the house for anything else.

    I'm watching hector, with my hot water bottle and a coffee.

    DS has been for his hair cut ú5 although I'm not sure if C paid for this.

    Roast dinner just being dished out and then the smalls can have their baths and settle down ready for school. I'm looking forward to half term but need to get some things planned. Otherwise they'll find it boring
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • sashybo
    • By sashybo 11th Feb 18, 5:46 PM
    • 2,605 Posts
    • 19,767 Thanks
    sashybo
    I must admit, I need to be in the right mood for a visit to Primarni as it's nearly always busy but yes good for cheap basics, especially for kids.

    You're right to try & get out of the house for something other than medical appointments. Maybe go out for a nice coffee?
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - ú9717 extra paid off debt. Total Debt paid off ú48,737.28
    Loan ú3294.75, CC 0% BT ú820, Car loans ú23,789

    Have a Debt Free Diary to try & keep spending in check.
    • WannabeFree
    • By WannabeFree 11th Feb 18, 6:23 PM
    • 1,086 Posts
    • 8,882 Thanks
    WannabeFree
    I need wrapping paper for DD's gifts so a coffee is a good idea Sashy. I looked online but I think going somewhere to get wrapping paper will be cheaper.

    I have cards/candles/balloons and banners etc. I need to remember I need the money for the sweet cones on Friday and to possibly an extra ú10 at the party Saturday if the 1 extra who isn't invited turns up
    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 11th Feb 18, 6:27 PM
    • 1,086 Posts
    • 8,882 Thanks
    WannabeFree
    Smalls are only just getting in the bath.

    I think I might push bed time back a bit to 7.30pm (from 7)

    I'm not sure what the 'norm' is for smalls ages? (7 this week and DS is going to be 9)

    Can't include youngest she has her own routine. Although last night they'd been in bed 2 hours when the girls appeared downstairs after DD giving youngest a 'makeover' Trying to be cross at them was hard, it was rather cute
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 11th Feb 18, 6:49 PM
    • 8,601 Posts
    • 49,367 Thanks
    please-let-me-be-lucky
    My DS2 (age 8) goes at 8pm and DS1 (13) goes at 9pm but reads etc til 10pm usually. It depends on the child and what time they need to be up the next day I think Xx
    Debts @ LBM ú23,729.31. Debts @ 08/04/2016 ú0

    NSDs achieved in 2018 11:60
    Lbs lost 14/107.
    Savings for Florida ú77.90/ú1000
    • WannabeFree
    • By WannabeFree 11th Feb 18, 7:56 PM
    • 1,086 Posts
    • 8,882 Thanks
    WannabeFree
    I might try 7.30 this week and see. It really annoys me if we are running late and I miss 'bedtime' It makes me feel uneasy all night But DS has been complaining 7 is a lot earlier than his friends for a while

    Thank you.
    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 11th Feb 18, 7:57 PM
    • 1,086 Posts
    • 8,882 Thanks
    WannabeFree
    Just looked outside and its very white!

    Where did the snow come from!
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • Sun Addict
    • By Sun Addict 11th Feb 18, 9:50 PM
    • 5,215 Posts
    • 33,016 Thanks
    Sun Addict
    It's been trying to snow all day here but not amounted to anything. I'm so fed up of winter now, it feels like it's been going on forever.

    Maybe a good idea to review bedtime now the smalls are getting older. Could the oldest one read for a bit if he's not ready to sleep?
    Virtual Sealed Pot 2018 ú153.08
    Jan NSDs 4 Feb AFDs 1
    Weight loss 4/10LBS Emergency Fund ú2000/ú10,000
    April holiday ú0/ú900
    Dining room fund ú150
    • WannabeFree
    • By WannabeFree 11th Feb 18, 10:44 PM
    • 1,086 Posts
    • 8,882 Thanks
    WannabeFree
    It's quite bad here

    We went to Mcdonalds For me opps! Well worth it though and it wasn't a NSD anyway Trying to justify it

    The roads where crazy! and the motorway looked scary when we drove over the bridge.

    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,314Posts Today

8,006Users online

Martin's Twitter