📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

Options
1280281283285286310

Comments

  • Thank you suffolk lass, I didn't think of it like that! Looks so much better.

    The new debt will be going quicker and won't really impact the original debts other than over payments. I wasn't going to post about it on here but then obviously this where my survey/overpayments will be going.

    Hope you're tooths okay and they sort it asap for you x
  • 117pauline wrote: »
    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

    Thank you.

    I realised it needed to be discussed sooner rather than later and yes without the chance to cancel :o
  • Despite the new debt, you are making great progress on paying things off. The new debt would have cropped up and if you hadn't been paying off the old ones you'd really be in trouble.

    Glad you and the kids are feeling a bit better :)
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • And .. on the token of unbudgeted spends!

    School text its non-uniform tomorrow :eek: I was tempted to just let them stay off they haven't been in this week so far :o

    Although no. I sent someone to As da to pick up the £1 white t-shirts and I've sat drawing European flags on them :o I can't afford another non-uniform 3 outfits that they'll likely wear once!
  • I don't think I've left the house once this week :o I'm quite anxious about doing the school run and leaving the house :o

    This is why the smalls need to stay in school everyday other wise I find it so easy to fall back into not leaving the house :o
  • Cherryfudge
    Cherryfudge Posts: 13,250 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    HI, I've just finished reading your diary!

    It's like having an un-putdownable novel. :o I've sat up late reading more than once... and wanted several times to post, then had to remind myself that what I was reading was months ago. :o

    I can only echo all the words of admiration your friends have already written, and wish you all the best for your appointment tomorrow... er, later today. You will find the way through, you are an amazing lady. I've subscribed to cheer you on.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • Hope the appointment goes well for you today.
    paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
    2025 savings challenge £0/£2000
    EF £140. Savings 2 £30.00. 17
  • Thank you :)

    You need a medal for reading all my ramblings :o

    Appointment went okay I think. I don't feel any better for it though :o So it was pretty useless tbh. Waiting for a call from somewhere else.

    I have so much to do today. I really need to post the money I need to post. Even if I do nothing else I must do this :o

    I have however got all the cleaning done. Got things ready for smalls tonight to have a movie night (Hopefully it is more successful than last weeks where smalls where sharing germs :rotfl:)
  • Monthly Update Month 6
    Council Tax £1350
    Fine 1 [STRIKE]£1250[/STRIKE] £845 (£10 Paid)
    Fine 2 [STRIKE]£200 [/STRIKE]
    Aunt £1000 :o
    Mum [STRIKE]£340 + £87 [/STRIKE] £0
    Step Dad £1000 :o
    Friend [STRIKE]£1379[/STRIKE] £1360

    Total [STRIKE]£7348.71[/STRIKE] £5555 (£1793.71 Paid)

    Rent Arrears [STRIKE]£3381.28 [/STRIKE] £2795 (586.28 paid)

    Total [STRIKE]£10722.99 [/STRIKE] £8350 (£2379.99 Paid)

    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)
  • 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]
    [STRIKE]DD School trip[/STRIKE]
    [STRIKE]DS School trip[/STRIKE]
    [STRIKE]Parents evening Need to rearrange I missed as was sick[/STRIKE]

    List of things I need to sort in October.
    DD's clothes - just tights
    Youngest - leggings and socks
    [STRIKE]School trip £6 [/STRIKE]
    [STRIKE]School trip £3 [/STRIKE]
    BIL Birthday card
    Buy Christmas Jumpers x 3
    Post money to :A
    Post school photos
    Youngest School trip £14
    [STRIKE]Youngest School Event £2.20[/STRIKE]

    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
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.