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“Rock bottom became the solid foundation on which I rebuilt my life.”
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I'm glad your snow has gone Wannabe.
Frustrating about the tumble dryer, but think how much worse it would have been if it had gone wrong at Christmas, or when you were more desperate for money.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 MONTHS0 -
I agree, things are still tight but at least it isn't a constant worry (Well doesn't need to be even if I do)
Speaking of which I have a confession. I still haven't sorted my benefits
and I think I am past the date of taking in the extra info, I think (hope) this means I need to start all over again I must get this sorted.
The tumble dryer is identical to the one I have/had. It faces some abuse in this house and I definitely couldn't manage without one.
The holiday is covered though. We will use our normal grocery budget and take the slow cooker again. There's £100 in the holiday pot and I don't intend on spending that! Will need to make a plan and budget when I can.
Roast went down well. Everyone in bed and now I'm going to join them I think.
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
YEs, you do need to sort out your benefits ASAP.
Is there a local CAB you could pop into for help & to get them do a benefits check to double check that you are getting everything that you are entitled to.
Sorry to be bossy.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 -
Benefits sounds like one of those psychological hurdles. Would it help to break the task into stages and do one a day or something? Sympathy from me because there are 'necessary' things I end up not sorting too. I don't know why they are so hard to do but they are. At least you have the very valid reason of being unwell yourself and having your kids to care for, so perhaps just start by making a list of the stages, then you can cross off each as you do them, and the list will niggle at you till you do.
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 -
WannabeFree wrote: »Speaking of which I have a confession. I still haven't sorted my benefits and I think I am past the date of taking in the extra info, I think (hope) this means I need to start all over again I must get this sorted.
x
I didnt want to keep posting and asking if you had sorted them as I would then just sound like a nag!!
Just think if you had your benefits the emergency fund would grow a lot faster.
If you are talking about HB and CTB then could you break it down in to steps?
1. Call local council and check if too late to supply info
2. If not too late take info in
3. If too late make new claim for benefit
4. Take in all or some info
5. If some info in take in the rest.
6. Breathe
7. Write letter to council explaining situation and ask them to either backdate new claim (although they can only do this for 1mth) or ask them to reconsider their decision to make your old claim ineligible because you didnt supply info.
8. Get awarded benefits and clear rent arrears/build emergency fund quicker!!0 -
Agree with EE and others. Break it down into stages and tackle it that way...
You can and you will get it done missus
Have a grand day and remember... you RISE
: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 -
Please sort out the benefits WF. It will make things a whole lot easier.
Try the online calculator so that you have an idea of which ones you should get and then sort each one in turn.
Council tax, housing and carers first, i'm not sure what else you would get. Carers was easy to do when i did it a few years ago. Please sort them even if you just tackle one each day xLBM in April 17 - Starting card debt £33554
Mortgage@1 June 18 - £76350
Total debt @june 18 £102311
Debt Jan 25 £8282
Mortgage £51215. Total debt now £594970 -
Thank you Will get it sorted. I don't know why I keep putting it off.
Well I'm so tired today. Youngest has yet another 'virus' waiting for 2pm so can try and get an emergency appointment today for yet more steroids. Zero sleep again!
The house is lovely and clean though and I've got the washing and things done. I was hoping she would nap so I could too but no luck. No doubt she will nap when it's school run time and I can't :rotfl:
I know why I lost a day on meal planning.. We have a long appointment tomorrow. Well I do. So will have to be something quick I think. Maybe let them choose out the freezer. They think this is a treat :rotfl:
9 more school days until school holidays. Cannot come quick enough!
Hope everyone is well
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Defo get your benefits sorted out wannabe you are entitled to them and they will make things easier xxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050
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Another call to get your benefits sorted! You are entitled to them and they will give you a bit of breathing room in your budget.0
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