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“Rock bottom became the solid foundation on which I rebuilt my life.”
Comments
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UncannyScot wrote: »Hiya :hello: :hello: :hello:
(((((HUGS)))))
You don't have to say anything you don't want to.
We've got you and you've got us
Thank you for all your help
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Lovely to hear from you 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 MONTHS0 -
I'm not sure where to start.
Debt I guess that's why we all post hereI don't think it's changed too much. Everything has been paid but minimums only I think for now this is the way to go rather that worrying about it too much yet.
ShoppingToo much of that! Grocery spends have been awful. Treats for the smalls again awful!
Speaking of smalls. They all started back to school and youngest has been enjoying it. She adores her new teacher so that makes it much nicer. I also trust her new teacher 100% She really is amazing. She's been off for nearly two weeks after being unwell and deciding to scare us all with 'funny turns' and going grey and stopping breathing. We are keeping our fingers crossed this was a side effect of a strong med we used to kick a short term illness to prevent it kicking off underlying issues. Fingers crossed! She should be back to school tomorrow though.
Other two are just wonderful. I really don't know how I've created such thoughtful caring smalls. Don't get me wrong DS seems to have picked up a bit of a 'big boy' attitude but knows how far he can push before I'll be really crossand DD is just DD always out to be good and does try her hardest at everything she can.
House .. Decorating still being done. A leak from a flat roof and half the ceiling falling in = mess. Being sorted now I'm feeling human again though.
C word. I have started Xmas shopping. I have probably already broken my rule of just 2-3 small gifts and 'time' being spent rather than money. However life happens and makes you realise certain things. This Xmas will definitely be one with many memories and things created. NO debt however and still on a budget. We will still do the daily December things etc I have just given in to some Christmas' wishes that I probably wouldn't have previously.
I think that's a big enough update for now without pouring out my health issues and moans
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 -
But remember it is your diary & if you want to poor out your health issues & moans that is just fineI 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 -
Good to see you back0
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WannabeFree wrote: »I'm not sure where to start.
Debt I guess that's why we all post hereI don't think it's changed too much. Everything has been paid but minimums only I think for now this is the way to go rather that worrying about it too much yet.
ShoppingToo much of that! Grocery spends have been awful. Treats for the smalls again awful!
Speaking of smalls. They all started back to school and youngest has been enjoying it. She adores her new teacher so that makes it much nicer. I also trust her new teacher 100% She really is amazing. She's been off for nearly two weeks after being unwell and deciding to scare us all with 'funny turns' and going grey and stopping breathing. We are keeping our fingers crossed this was a side effect of a strong med we used to kick a short term illness to prevent it kicking off underlying issues. Fingers crossed! She should be back to school tomorrow though.
Other two are just wonderful. I really don't know how I've created such thoughtful caring smalls. Don't get me wrong DS seems to have picked up a bit of a 'big boy' attitude but knows how far he can push before I'll be really crossand DD is just DD always out to be good and does try her hardest at everything she can.
House .. Decorating still being done. A leak from a flat roof and half the ceiling falling in = mess. Being sorted now I'm feeling human again though.
C word. I have started Xmas shopping. I have probably already broken my rule of just 2-3 small gifts and 'time' being spent rather than money. However life happens and makes you realise certain things. This Xmas will definitely be one with many memories and things created. NO debt however and still on a budget. We will still do the daily December things etc I have just given in to some Christmas' wishes that I probably wouldn't have previously.
I think that's a big enough update for now without pouring out my health issues and moans
Hope everyone is well
x
It's really good to have you back Wannabe.
It's lovely that youngest likes her teacher so much. Your children have clearly been very well brought up and are a credit to you.
At least if the minimums are paid on the debts then you won't be chased by angry people, so that is good.
It's an excellent idea to start preparing for the dreaded C word now, as it has a habit of sneaking up and then ruining our budget :eek:.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 -
Lovely to hear from you again Wannabe
. It must have been horrendous coping with these health issues, I do hope you all get a break from them.
So good to hear youngest has a beloved and trustworthy teacher.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 -
Lovely to hear from you again"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
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You know, I think you are rather brave! After a bit of a break on here it gets harder and harder to reopen the door. Sometimes just starting again is the best and easiest thing - well done, and you know you have lots of support on here. Have a good weekendSave £12k in 2025 #2 I am at £10,020.92 out of £6000 after September
OS Grocery Challenge in 2025 I am at £2234.63/£3000 or 74.49% of my annual spend so far (not going to be much of a Christmas at this rate as no spare after 9 months!
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 -
So good to hear from you again. Your smalls are a real credit to you, you're doing a fab job with them. If you only pay off the debt minimum for now so what, you can catch up later but for now just take time to live a little.I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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