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

Hiddenidenity

Debt 03/06/17

Council Tax [STRIKE]£2092.71[/STRIKE] £1950 (£10 paid)
Fine 1 £1250
Fine 2 [STRIKE]£200[/STRIKE] £75
Aunt £1000
Mum £340 + [STRIKE]£87[/STRIKE]
Step Dad £1000
Friend [STRIKE]£1379[/STRIKE] £1360

Total [STRIKE]£7348.71[/STRIKE] £6975 ( £373.71 paid )


Rent arrears [STRIKE]£3381.28[/STRIKE] £3305 (£76.38 paid)

Debt + Rent [STRIKE]£10722.99[/STRIKE] £10280 (£450.09 paid)

mummytogirls

Yay to the new hoover HI, makes sense to spend the money on that rather than waste hours sweeping up!! Fingers crossed that the tax credits hasnt gone down xx

Hiddenidenity

emmie26 wrote: »

Don't dare stop posting, you are an inspiration with how you manage to make your money go such a long way :A

My job is spent helping families, the number of people who phone me to moan about their partners, MIL or children and I just listen, they then say they feel so much better just for having had a moan.
You are just having a moan on here which is a lot more safe than to anyone in the real world. Reading everyone's diaries on here it seems there is always one person in the family who is the major saver and one who is not quite as good, yes it would be so much better if both of you were just as focused but where would be the fun in that

Thank you I must admit I moan here because there's no where else to moan I don't really have friends and my mum would listen but then never let it go :cool:

mummytogirls wrote: »

Yay to the new hoover HI, makes sense to spend the money on that rather than waste hours sweeping up!! Fingers crossed that the tax credits hasnt gone down xx

I hope not too Although I think when it comes to next year's renewal we'll lose a lot more once OH has done 12 months steady employment. But I'll deal with that then. We should owe at least half of what we do now so should made things easier. Thank you for stopping in

kerron7

Just read your diary.

I think you are doing great. You will get there in the end!

Subscribed

pennywisepoundstupid

HI Hiddenidentity.

Just wanted to say a big well done on everything you have achieved so far. You cope with so much and have so much energy and resilience.

Keep going you will get there in the end.

I have subscribed and will keep popping by to se how your doing, hope that is ok.

tori.k

One day your look back on this and be amazed at how far you have come, you are a lot stronger then you give yourself credit for, and your diary will inspire and give hope to many people who think there is no hope, you are proving there is always an option and with determination and discipline any debt problems can be dealt with positively. You are an amazing young woman never forget that.

ani*fan

Hi there :hello:

I've just read your diary and want to add to what others have said. You are doing amazingly well, and with 3 children and an OH who's not entirely on board. You are an inspiration to us all.

I particularly loved reading about your holiday, and how happy your children were with cheap days out having fun with their mum. They are really learning some great values for life, time spent with those you love is worth so much more than money. This is priceless, and I get the feeling you don't even know how well you're doing. You should give yourself a massive pat on the back.

I also wanted to add a couple of things about your 8-year-old, if you need some ideas about talking to him about your mood. Feel free to disregard this if it doesn't sound like the right thing but I noticed you got some unusual advice before so just wanted to mention some other things.

He's worried about you at times, things get you down and he's noticed. Given his age, he'll be wondering if it's something to do with him. This is normal. Maybe he hasn't tidied up when asked, or not eaten his tea, or fought with his siblings, or whatever ordinary 8-year-old things are going on for him right now. The main things are to let him know he doesn't need to worry, there are grown up things that you have to deal with, but you have lots of help from your mum, your OH (even if not entirely true) and anyone else who helps you. Let him know you have it all in hand, you are managing and that everything's ok. Tell him that when you feel low it's not because of him, that he makes you feel better. Tell him he's such a great boy for caring and noticing, but that he has things to concentrate on, like doing well in school, getting his homework done, and that it's your job to help him. He's not encouraging you to 'open up' to him, he's only 8, he doesn't know what that is and he doesn't need to know what depression is. I thought using a word like 'grumpy' is a great idea and something he'll understand. If he wants to help, you could give him a small extra chore like taking the bin out, or putting laundry away, so he can feel useful and know he's doing everything he can. Mostly he needs to be busy with his own wee world and not overly worrying about you.

I hope all of that made sense and is some use to you. Your children sound wonderful. Best of luck with it all. I've subscribed.

Sun_Addict

My mum was just like your mum - if I moaned to her about Mr SA she would go on about it forever, even when things had blown over. So I was very selective about what I told her. Bless her sadly no longer with us, I could've done with her support during the last 4 years.

Hiddenidenity

Wow thank you for all the replies. I will reply individually later. I've spent way too long reading EE''s diary so I have to get up and get my chores done

DS seems a lot happier. I think he has aquired some of my anxiety issues? And it seems when routines are changed this makes him worry. We've done a lot of talking and I've made the effort to do the talking with DD too. It seems to be paying off and there's definitely a noticeable difference in their mood/attitude.

New hoover makes like easier. I can't live without an hoover.

Bank is very sad. About 2p :rotfl: will check it all later and make a plan for the week.

Surveys need updating too. Will sort this later too. I suspect it's all slowed down because I don't have access to mums laptop. I really would like to sort some computer access at home. DS & DD have brought this up again regarding homework

Hiddenidenity

Can't find my a survey list. However I'm not cashing out until it build's up a bit. Maybe I'll cashout at the end of month.

Checked the bank and there's money in there. No idea where from will have to wait till statement updates. (£19.34)

Savings £0 (£50 in youngest hospital pot)

We are having a real lazy day. I've been reading on here and just pottering in between. Have got a roast for dinner. I know it's a bit warm to be eating roast but I'm terrible for not actually feeding myself then just having toast I really fancied a roast so roast it is and I will make sure I sit and eat it

Will make soup/curry and some other chicken based thing to either use on the meal plan or freeze.

Last night's awful events mean my anxiety is above where it usually is and no sleep so generally feel like rubbish. Such a sad world we live in. Makes me sad what the kids are growing up into and I worry how we'll keep them safe I know realistically this is stupid but I just can't help it. Have double dosed my anxiety meds and beta blockers todayand will tomorrow and hopefully sort my self out to some normality again but in the meantime it explains any periods of being 'quiet'