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“Rock bottom became the solid foundation on which I rebuilt my life.”
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WannabeFree wrote: »Yesterday was 10 months into debt busting.
The only debt's left now are
Council Tax £2400 (£1319.12 being 18/19 bill)
Rent arrears £2990 (Which nearly half are the court costs so wasn't included in my balance up until these last few weeks)
So actual Debt is less than half of those numbers. All going in the right direction
x
You are going really well. Now you have those other straggly bits nailed I would start building a bit more of an emergency fund so that you have a bit in reserve if something breaks or an unexpected bill hits you. I really don't know how you do it though. Really well done. xSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here0 -
Balances looking good
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Happy Mothers Day WF xxMummytogirls x0
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Happy Mother's Day WF . How is the youngest now ?This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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Happy Mother's Day, Wannabe: I hope that you are being spoiled rotten!
Debt: £11,640.02 paid in full! DFD: 30/06/20
Starter Emergency Fund (#187): £1000/£1000
3 month Emergency Fund (#45): £3300/£33000 -
Just caught up with you. Very busy with three birthdays without the hospital visits etc.
I agree with everyone else that you are an inspiration.
Hope you have had a fantastic day and that you have been thoroughly spoilt.
Take care honey, have a great week
PaulineDon't get it perfect - Get it goingBetter Than Before0 -
Morning missus
You're doing grand.
Have a great day
(((((HUGS)))))
:ABUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
Those new debt totals are brilliant, well done :T
Glad DD enjoyed her birthday xx"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Just popping by to see how you are. Hope all is well XxDebts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0 -
Thank you, I'm still struggling with the black fog but managing to just keep myself into keeping the smalls happy etc.
We didn't actually 'do' mother's day because I forgot to buy myself cards from them :rotfl: We did make things for their Nan and went to the park for some fresh air though.
Literally focusing on just making it through the day and keeping everyone alive and well kept.
Youngest is on the up still and safe enough to go to School for 2 hours this morning, hopefully the same tomorrow. Taking each day as it comes but while I miss her so much and wish she was home the whole 2 hours she's away. It is nice to get a hot cuppa and a shower without an audience etc.
No more debt payments being made until Friday. Will need a top up shop of fridge items this week.
We are on the countdown to our Easter break. Really hoping the sea air gives me the kick I need to get back on it. Parents evening tomorrow too!
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0
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