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

DaringToDream_2

Hey hidden, just catching up on diaries after a 10 week break from MSE (burying my head in the sand- bad DTD!)

Just wanted to say that you are really doing amazingly. Your diary inspires me so much, and I'm not sure you realize what a positive impact you have on people on this site. There's always going to be bumps in the road but we get through them and come back stronger, and despite everything life is throwing at you at the moment you are being an amazing mummy to your children and are making some serious debt inroads! Just make sure you try and find some time for yourself in amongst it all- we always tend to put everyone else before ourselves, so taking even 10 minutes to just sit, or walk or whatever is really good for the soul (get me sounding all hippy- all my yoga is evidently driving he cynic out of me and paying off!!!)

Gonna have to do some more surveys tonight, I'm still hooked on prolific but your bargain voucher shopping has inspired me to up my game!

DTD xx

UncannyScot

Morning

Hope you and the wee yins are much better today
(((((HUGS)))))

Hiddenidenity

Thank you, we are definitely coming out the other side of the bug now! I wouldn't wish that on anyone!

I might be brave enough to leave the house today and post the things I need to post. They've been waiting since weekend

Hiddenidenity

Monthly Update Month 6
Council Tax [STRIKE]£2092.71[/STRIKE] £1350 (£742.72 Paid) £50 Paid this month
Fine 1 [STRIKE]£1250[/STRIKE] £855 (£395 Paid) £45 Paid this month
Fine 2 [STRIKE]£200 [/STRIKE] £0 (£200 Paid)
Aunt £1000
Mum [STRIKE]£340 + £87 [/STRIKE] £0 (£427 paid) £300 paid this month
Step Dad £1000
Friend [STRIKE]£1379[/STRIKE] £1360 (£19 paid)

Total [STRIKE]£7348.71[/STRIKE] £5565 (£1783.71 Paid) £395 Paid this month

Rent Arrears [STRIKE]£3381.28 [/STRIKE] £2810 (571.28 paid) £60 Paid this month

Total [STRIKE]£10722.99 [/STRIKE] £8375 (£2354.99 Paid) £455 paid this month

Debt Not In The Above
£275 Mum (The difference between mine and her original figure)
£732 New Debt (Likely to be more on the 16th)

Hiddenidenity

November goals

Money
£20 to council tax - £/£100
£50 Groceries - £/£100

Extra income (Waiting for)
Onepoll £40
Pureprofile £25

Plans
Two bigger smalls to get 100% attendance Well that's a fail not even a week into November
[STRIKE]Post Nephews Birthday card[/STRIKE]
DD School trip
DS School trip
Parents evening Need to rearrange I missed as was sick

List of things I need to sort in October.
DD's clothes - just tights
Youngest - leggings and socks
School trip £6
School trip £3
BIL Birthday card
Buy Christmas Jumpers x 3
Post money to :A
Post school photos

Unbudgeted spends
Need to post some money to someone
Need to post School photos
School Shoes for DS again :cool:
More School t-shirts for youngest :cool:
School trainers for youngest
School tights for DD
£3 Xmas gifts

Will add the debt from this week onto November.
It's definitely likely to rise tomorrow £££ Follow up on 16th will know more then.

This will grow as the appointments come in for the month.
Must squeeze in my own appointment and chase a referral I've been waiting too long for.

Hiddenidenity

Okay I've done my budget for November and posted more realistic November goals. Taking into account I haven't been in work.
Unbudgeted spends... Again this is a big factor!

Christmas jumpers will have to wait till next month now
Debt won't really go down
I have to pay the new debt and make sure I keep on top of the normal bills

EssexHebridean

....and chase that referral and make your own appointment. Go on, stick those at the top of the priority list, I dare you!

You've not left yourself short for the month paying that great lump to your Mum, have you? I totally get why you want that debt gone, but do make sure you're not leaving things that bit TOO squeaky!

Hiddenidenity

EssexHebridean wrote: »

....and chase that referral and make your own appointment. Go on, stick those at the top of the priority list, I dare you!

You've not left yourself short for the month paying that great lump to your Mum, have you? I totally get why you want that debt gone, but do make sure you're not leaving things that bit TOO squeaky!

I didn't chase the referral but I have made an appointment Least one is sorted. Best news is they've fit me in first thing tomorrow morning. Lets just hope they don't send me with the men in white coats :rotfl:

I really have left us short I didn't take into account rent for December comes in before December wages come in I'm sure it will all work out though. Going to put off as much as possible until as late into December as I can (not bills but extra payments/things for the kids etc) and pray survey money lands in before things go out. If not I'll just discuss with the 4 weekly bills my payday is a few days past the due date.

Speaking of which Nationwide is down AGAIN! I'm going to look into changing to a different bank. I only have the very basic account anyway so it makes no difference to me.

Suffolk_lass

Hiddenidenity wrote: »

Total [STRIKE]£7348.71[/STRIKE] £5565 (£1783.71 Paid) £395 Paid this month

Rent Arrears [STRIKE]£3381.28 [/STRIKE] £2810 (571.28 paid) £60 Paid this month

Total [STRIKE]£10722.99 [/STRIKE] £8375 (£2354.99 Paid) £455 paid this month

Debt Not In The Above
£275 Mum (The difference between mine and her original figure)
£732 New Debt (Likely to be more on the 16th)

That is brilliant and sometime just looking at debts in a different way helps a bit.
So... that is 24.27% of debts, 16.9% of rent arrears and 21.96% of that original total - in other words you are past one fifth and rapidly approaching a quarter of those debts. :T

I am not commenting on the new debts, not in the above. We all know these things happen.

For example, I have just spent a fortune on my tooth repair, only for the one underneath to break and so I am back to the dentist tomorrow - it could be hundreds. I just can't have a gap or they will all start to become unstable. Nightmare!

By the way, several banks have been down this week. Co-op has been a nightmare recently!

117pauline

Well done for making the appointment and even better it is tomorrow so you have less time to worry and/or cancel. Yep, been there too.

If you can, make some notes to take with you. It will help focus your ideas and give you a bit of confidence too.

We can understand why you are overpaying but as EH says, don't make it impossible for day to day living.

You are starting to take control again which is great news. If help is offered tomorrow, please consider taking it.

You are doing great.

Take care honey
Pauline