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When things hit rock bottom the only answer is to fight the way back up...

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Comments

  • Hiddenidenity
    Hiddenidenity Posts: 5,423 Forumite
    It was a lovely day I have to say :) We all had a good day.

    Plans for today are obviously off to my mums, I wanted to go earlier than now but the kids have only just finished having their showers because apparently I need to stop rushing them it's the holidays :o

    So just finishing my coffee then we will go. Pack lunches etc all made and ready.

    Nothing else to report really! Pretty boring. Lasagne in the slow cooker for dinner and we will make garlic bread. There's plenty of salad to chuck on the side. Easy just like I like it ;)
  • Hi HI, glad you had a lovely weekend. You do definitely put us to shame with all your cleaning. All I got done this weekend was the washing. :rotfl:
    Barclaycard: £4,217.55/£5 = 0.11% | Tesco £3,810.55/£3,770.55 = 1.05%
    Total: £8,027.80/£5 = 100%/0.06%
    Mortgage £99,692/£51,652.33 51.8%
    Car Loan: £9,217.20/7,527.38 81.67%
    My Money Managing Ways
  • Hiddenidenity
    Hiddenidenity Posts: 5,423 Forumite
    Shame I'm not as good at the debt busting :o

    I need to sort something to the council tax today. Even if only £1! It will make me feel like I've done something. Maybe I can clean the council office :p :rotfl:
  • Shame I'm not as good at the debt busting :o

    You are doing the best you can and doing a good job. ;) x
    Barclaycard: £4,217.55/£5 = 0.11% | Tesco £3,810.55/£3,770.55 = 1.05%
    Total: £8,027.80/£5 = 100%/0.06%
    Mortgage £99,692/£51,652.33 51.8%
    Car Loan: £9,217.20/7,527.38 81.67%
    My Money Managing Ways
  • db2016
    db2016 Posts: 343 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    ive just read all 60 pages! (well over about a week lol).

    good job on the debt management! especially tough given the type of debt i think, as its not really negotiable as say credit cards would be!

    meal planning is spot on! hungry reading some of them for sure.

    keep up the good work, and update the totals regularly for you to see how far you've come (dont forget, small number divided by big number x 100 to get it in percentage)
  • Hiddenidenity
    Hiddenidenity Posts: 5,423 Forumite
    db2016 wrote: »
    ive just read all 60 pages! (well over about a week lol).

    good job on the debt management! especially tough given the type of debt i think, as its not really negotiable as say credit cards would be!

    meal planning is spot on! hungry reading some of them for sure.

    keep up the good work, and update the totals regularly for you to see how far you've come (dont forget, small number divided by big number x 100 to get it in percentage)

    Wow thank you I can't believe you read it all :o :rotfl:

    I know the debt is hard because rent-eviction, council tax - court fines again lead to court.

    Hopefully things will be okay for now even if it takes a bit longer to clear everything.

    I'm glad you have said about % again I'd forgot how to work it out I'm going to save it!

    Thank you for reading/replying :D
  • db2016
    db2016 Posts: 343 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    Wow thank you I can't believe you read it all :o :rotfl:

    I know the debt is hard because rent-eviction, council tax - court fines again lead to court.

    Hopefully things will be okay for now even if it takes a bit longer to clear everything.

    I'm glad you have said about % again I'd forgot how to work it out I'm going to save it!

    Thank you for reading/replying :D

    it certainly took some reading lol, but very interesting.

    whilst im not in debt myself anymore, ive been looking at how the diarist's such as yourself tackle it and make cuts etc.

    i've downloded an app "mobilis" to phone and input all expenses and incomes into that, and its interesting to see it in graphs and visually such as "29% of july spending was spent on x y or z" etc. and im gonna run it for couple of months and then see what i can cut back on or improve longer term. :)
  • Hiddenidenity
    Hiddenidenity Posts: 5,423 Forumite
    Oh is it a free app? Will have a look later. I've never found one, I can't get on with YNAB and I've tried more than once :o
  • Hiddenidenity
    Hiddenidenity Posts: 5,423 Forumite
    Well finally hope, kids fed and in the shower :D Nearly bed time.

    They are shattered so I can't see them protesting tonight :rotfl:

    Mum gave us loads of food that wouldn't get used before she flys tomorrow I never say no ;) Will have a sort through later and decide what to do with it.

    Waiting for the dryer to finish so I can do the ironing then will have my own dinner I think. If I don't forget :o :rotfl:
  • joeyjimbles
    joeyjimbles Posts: 2,253 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Waiting for the dryer to finish so I can do the ironing then will have my own dinner I think. If I don't forget :o :rotfl:

    Please don't forget - you cannot run on fumes. With all you do, you need to at least eat and rest.
    LD 12.25 £1600.00/£0700.00             Fn £274.00  LTFn £525  LLTFn £300     
    Renewal 25 £500.00/£500.00            InsH 12.25 £600/£600.00   InsP 03.26 £150/£150.00
    NPt 12.25 £150.00/£051.50               Ins/TC 02.26 £550/£470.00
    YX25 £1500/£0750                             FD £3600/£0600
    PX25 £1500/£0625                             P6m £1200/£0800  PEa £100/£060          
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