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“Rock bottom became the solid foundation on which I rebuilt my life.”
Comments
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Lovely to see you back and more positive, and glad you had a good holiday x"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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I will have to look back - did you write out your Christmas activities on here last year? Hope it's not been deleted. I feel the need for lots of free Christmas spirit!!
So you need the Channel 5 christmas movies and the Freeview Christmas Channel with is either 62 or 74 too.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/£0600 -
Hello, W. Nice to hear you sounding so positive.
Christmas sounds perfect to me. Lots of activities and a few presents is all that's needed. We decided a couple of years ago to buy things that we knew each other liked (mainly books and chocolate), wrap them up nicely and spend the day watching our favourite old movies. Dinner is just what we feel like eating, nothing fancy and it has to be easy. I don't know why we didn't do it before. A relaxing day with no pressure.
I'm sure the wee ones will love whatever you do.Have adventures. laugh a lot and always be kind.0 -
Thank you for the lovely replies

I love all the talk of Xmas and it not all being about the latest toys and gadgets.
We will have a real tree again I think, depending on if I still get the good discount (it means I can get a big tree delivered for about £15) if not we will buy a cheap fake one. We make most of the decorations and I obviously have the ones made previously too. I really need to get on with making an advent calendar with them and finishing the list of activities to put into it. I have some already. I use 24 plastic wallets and have the items for each days activity in them ready, obviously not the baking ingredients etc if its a baking one but it has the instructions/cutters etc in. If it wasn't like this I wouldn't have time to do them each day. I will post the list once it's finished but it has things like make Christmas crackers/make Christmas cards/make thank you notes/make Santa's biscuits/make reindeer dust etc. Some are more along watch an Xmas movie too. There's only one day it's a paid activity and that's the panto which I got half price through the Union.
Xmas eve is usually spent baking and handing out the homemade goodies to the old people's home. We won't be visiting/or having family visiting this year so that cuts a lot of time spent running around.
I keep checking the Salvation army for books for them and for them a new outfit. We are making wrapping paper with a roll of lining paper and paints.
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
I have a poorly youngest today, an emergency Dr visit and a ton of medication. I'm sure those of you on my Social media have seen my rant

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 -
Glad to see you back wannabe
Sorry to hear the little one I sent poorly it's this time of year that gets my youngest.......hope they are on the mend 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 -
Sorry about your DD.
Hope she is on the mend really soon.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 -
Get well soon Little DD. XxDebts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0 -
I'm sure she will be back rocking the world in a few days. Thank you
x
I still haven't posted the debt totals. I can't even remember what they where when I was last here
They are slowly going down though. The CT is now around £500 and the rent around £1800ish including court costs I think.
I need to buy stamps for Xmas cards however I burnt my last diary/notebook with everyone's address in
That wasn't clever.
Xx“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
You dont have to send cards.
Just putting that out there
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
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