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When things hit rock bottom the only answer is to fight the way back up...
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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 x0 -
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 cancel0 -
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 betterFinally 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 MONTHS0 -
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
Although no. I sent someone to As da to pick up the £1 white t-shirts and I've sat drawing European flags on themI can't afford another non-uniform 3 outfits that they'll likely wear once!
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I don't think I've left the house once this week
I'm quite anxious about doing the school run and leaving the house
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 house0 -
HI, I've just finished reading your diary!
It's like having an un-putdownable novel.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.
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 21/3/220 -
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. 170 -
Thank you
You need a medal for reading all my ramblings
Appointment went okay I think. I don't feel any better for it thoughSo 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
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:)0 -
Monthly Update Month 6
Council Tax £1350
Fine 1 [STRIKE]£1250[/STRIKE] £845 (£10 Paid)
Fine 2 [STRIKE]£200 [/STRIKE]
Aunt £1000
Mum [STRIKE]£340 + £87 [/STRIKE] £0
Step Dad £1000
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)0 -
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% attendanceWell 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 gifts0
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