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“Rock bottom became the solid foundation on which I rebuilt my life.”

Comments

kirtsypoos Posts: 3,825 Forumite

7 February 2018 at 10:48AM

Happy Birthday!! xx

:j PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID :j LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid) :eek:
Mortgage - £151.316.54 :eek:
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PositiveBalance Posts: 1,268 Forumite

7 February 2018 at 11:06AM

:bdaycake: Happy birthday, TOPM! :bdaycake:

Advice r.e. the council. Go to see your MP and get them to write a letter to the council. Bring all your paperwork along to explain what is going on and ask them to help you. You can find out when your MP has his/her monthly surgery and you can pop along to ask them for their help.

Keep a copy of every letter and all docs. that you send to the council, preferably sent recorded delivery so they can't say they haven't received them, even if costs you a bit. At the very least, get proof of postage, although that only proves you sent it, not that they received it.

Best of luck and have a wonderful day!

Debt: £11,640.02 paid in full! DFD: 30/06/20
Starter Emergency Fund (#187): £1000/£1000
3 month Emergency Fund (#45): £3300/£3300
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joeyjimbles Posts: 2,253 Forumite

7 February 2018 at 11:21AM

Happy Birthday - hope you and the smalls enjoy your cake x

:coffee: _party_ :dance:

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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Cherryfudge Posts: 13,362 Forumite

7 February 2018 at 11:31AM

Happy birthday! Here is something to have with all that cake:

:coffee::coffee:

Have a lovely day xxx

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
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WannabeFree Posts: 4,438 Forumite

7 February 2018 at 12:34PM

Thank you for all the Birthday wishes, and thank you for all the cards too

Smalls are all away to school, I've cleaned a little but now I'm sat having a coffee before going to my appointment.

Have a lovely day all

x

“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

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sashybo Posts: 4,595 Forumite

7 February 2018 at 12:49PM

Happy birthday dear W. :beer:

Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £11,174, Car loan 2 £5,532, CC 0% BT £780. Debt Free Diary to try & keep spending in check.
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Former_MSE_Andrea Posts: 9,611 Forumite

7 February 2018 at 1:52PM

Bump bump bump

Could you do with a Money Makeover?

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Cherryfudge Posts: 13,362 Forumite

7 February 2018 at 2:09PM

Is this IT??!!! The lost thread?

Andrea are you a magician? Wow... thank you so much!

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
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Cherryfudge Posts: 13,362 Forumite

7 February 2018 at 2:12PM

Wannabe, I think MSE has just given you a birthday present - the original form of this thread is back!
:beer::j:beer::j:T:T:T

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
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EssexHebridean Posts: 24,438 Forumite

7 February 2018 at 2:14PM

Andrea AMAZING work - thank you SO much!!

🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25

SOA CALCULATOR (for DFW newbies): SOA Calculator

she/her

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