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

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Comments

  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Oh no hope the kiddiewinkies feel better soon xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thanks all :)

    Another week has nearly passed. DS is much better and will be back to school on Monday. Youngest is still stuck with a nasty chest infection and her appointment didn't go as well as I had hoped. Will know more on the 18th May when we see another new specialist.

    All minimum payments have been met, so at least everything is still going in the right direction.

    Hope everyone else is well :)
    Will try and catch up abit x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Great news that DS is better, but sorry about the youngest. I hope you're finding some time to look after yourself Wannabe.
    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 MONTHS
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I'm trying HH. I think it's a long wait to find answers. Answers that could be life changing iykwim?

    I mean she's always been a worry obviously but this isn't something small. I guess I should be greatful we've pushed in the waiting list and got one in May some people wait months and months.
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • I really hope you find out what's going on so that she can have the best possible treatment. Try not to worry too much.
    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 MONTHS
  • earthgirl
    earthgirl Posts: 3,762 Forumite
    Mortgage-free Glee!
    Hope things With youngest improve. Everything crossed!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
  • beanielou
    beanielou Posts: 96,623 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I really hope you find out what's going on so that she can have the best possible treatment. Try not to worry too much.

    From me too.
    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.
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Okay a bit late but 11 months into debt busting. This is what we look like..

    Debt 09/05/2017 VS Debt 14/04/2018

    Council Tax [STRIKE]£2092.71[/STRIKE] £1144 (£948.71 paid)
    Court Fine [STRIKE]£1250[/STRIKE] £755 (£495 Paid)
    Court Fine [STRIKE]£200 [/STRIKE] (£200 Paid)
    Person 1 [STRIKE]£1000[/STRIKE] (£1000 paid)
    Person 2 [STRIKE]£1000[/STRIKE] (£1000 paid)
    Person 3 [STRIKE]£1379 [/STRIKE] (£1379 paid)
    Person 4 [STRIKE]£427[/STRIKE] (£427 paid)
    Debt Total [STRIKE]£7348.71[/STRIKE] £1899 (£5449.71 Paid)

    Rent Arrears [STRIKE]£3381.28[/STRIKE] £2740 (£641.28 paid)

    Total [STRIKE]£10729.99[/STRIKE] £4639 (£6090.99 Paid)

    *Person 4 [STRIKE]£575[/STRIKE] £575 Paid
    *New Debt [STRIKE]£732[/STRIKE] £732 Paid
    *Debt 1 [STRIKE]£387.29[/STRIKE] £387.29 Paid
    *Debt 2 [STRIKE]£1451.40[/STRIKE] £1451.40 Paid
    *Debt 3 [STRIKE]£1137.73[/STRIKE] £1137.73 Paid
    *EDF [STRIKE]£3140.65[/STRIKE] £3140.65 Paid

    Total [STRIKE]£18154.06[/STRIKE] £4639 (£13515.06 Paid)

    [STRIKE]*As more comes out from under the carpet I will update here.
    [/STRIKE]

    Some of these as you know where cleared with help etc. But it places the picture of how things stand today compared to when I started. Only the Council Tax and Rent are mine. The fine isn't.
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I don't really have a list of goals this month. :o I haven't even thought about it to be honest. Maybe daily lists are the way to go for now. One step at a time/one day at a time.

    Just opening my post and my credit union savings account is open and youngest has got into the same school as the other two. A bit dissapointed as this wasn't my first choice, however it is okay.

    I have a confession .. We have a puppy coming to us on the 29th :o:o

    All 'looking after' expenses should be covered by smalls dad. However I have enough room in the budget should it be needed. Our old girl is well old and after her surgery to remove some cancer on her girly bits last year has she her age suddenly hit her. We aren't replacing our girl. That isn't what I mean but we do hope the pup can learn some of old girls good behaviour and manners ;)

    Anyway confession over .. better than a pregnancy of my own I guess :rotfl:
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • sashybo
    sashybo Posts: 4,598 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    A daily list sounds like a good idea W but maybe just a small one so you don't feel stressed out if you don't/can't get things done.

    Aww a puppy sounds lovely & great that smalls dad is paying the expenses. :T Hope it's not too much hard work but maybe your old girl will help keep the newcomer in line. As you know I have cats so I'm not very clued up on dog behaviour although I love them. They're so enthusiastic whereas cats really...aren't. :rotfl:

    Fingers crossed for youngest's appointment in May.
    Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £10,546, Car loan CC 0% BT £5200. Debt Free Diary to try & keep spending in check.
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