We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1315316318320321827

Comments

  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Morning :)

    Good thinking SusieT I will wait I think until the next min payment is due then pay it over then I don't get a missed/late payment or overlimit fee next month too. I've added to my calendar and diary when it's due so I can't mess up.

    Thank you AdventureWanted. We love Twinkl and find a lot on there links with what they are doing in school so can find things to do at home which links to their school work.

    Thank you Teafor2 have replied, I agree she would probably get more done.

    x
    “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
    08/01/19
    Debt
    Council Tax [STRIKE]£375[/STRIKE] £350 (£25 paid)
    Rent arrears [STRIKE]£1545[/STRIKE] £1495 (£50 paid)
    Credit card [STRIKE]£150[/STRIKE] £122.60***

    [STRIKE]Total £2070[/STRIKE] £1967.60

    Bank balance £78.24*

    Food budget £15** (£1.62 spent)

    *bank balance. Includes £88 I didn't have/expect when I did the budget So over the next 6 weeks £12.50 a week extra. (after paying the £13.66 to credit card)

    **Food budget is now £17 a week going forward :) Much healthier than the £5 it was :)

    Need to fit in the budget
    DS School trip £13.30(25th Jan)
    DD's School tights £8
    DD1 School shoes £?

    Today won't be a NSD. I need some more bread (thanks kids!) and I think I will get some apples for smalls. There was something else I needed that I can't remember now :o

    Have decided I'm not going to do anything with the £5 from PA yet. I'm going to hold on to it until the min payment is needed for the CC
    “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
    Afternoon (just :p)

    How lovely is it to see the big bright yellow thing in the sky today :D It's still freezing in fact it feels colder today but it's so bright :) Always makes me feel so much brighter too. In effort to fight the anxiety rising I have spent a couple of hours cleaning. I love the clean feeling now I'm sat having a cuppa.

    I didn't head to the supermarket. Will leave it for another day. Will make flat breads for the smalls pack lunches tomorrow. Must remember to buy enough for lunches and pop it in the freezer so this doesn't happen again next week. The girls will protest at cold flat bread :o but one day won't hurt.

    Hope everyone is having a good day

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Busy_Mee1
    Busy_Mee1 Posts: 1,015 Forumite
    Hi Wannabe. I am sorry if you have answered this before but don't the smalls qualify for free school lunches?
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    They do but none of them will eat them :o and my smalls really aren't fussy but say they are disgusting :o I've tried them a few times and they end up eating nothing.
    “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
    08/01/19
    Debt
    Council Tax [STRIKE]£375[/STRIKE] £350 (£25 paid)
    Rent arrears [STRIKE]£1545[/STRIKE] £1495 (£50 paid)
    Credit card [STRIKE]£150[/STRIKE] £122.60***

    [STRIKE]Total £2070[/STRIKE] £1967.60

    Bank balance £75.27*

    Food budget £15** (£10.34 spent)

    *bank balance. Includes £88 I didn't have/expect when I did the budget So over the next 6 weeks £12.50 a week extra. (after paying the £13.66 to credit card)

    **Food budget is now £17 a week going forward :) Much healthier than the £5 it was :)

    Need to fit in the budget
    DS School trip £13.30(25th Jan)
    DD's School tights £8
    DD1 School shoes £?
    “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
    £5.75 hit the bank from PA.

    Spent the afternoon on the phone. Spoke to DLA things seem to be moving forward (at snails pace but better than no movement) they are still waiting on some documents from the consultant. Have called the consultant and spoke to his receptionist who said they where sent on Friday (that's over 3 weeks since I asked and was told they where being sent :cool:) Anyway they should hopefully arrive this week. At least it's not been a straight we aren't changing our decision. I'm hoping this is good news!

    Called in the supermarket after the school run £8.72 spent. Why's it always more when the smalls come? Anyway got everything we needed (bread, milk, juice, toilet roll, fruit, lettuce & onions)

    Local MP has called today and is going to fit me in with an appointment to see where she can help. Awaiting a phone call back with appointment times.

    School are covering the cost of DS's trip :) They said if I can contribute something then great however not to worry if I can't he will still go and he won't know if I have/haven't paid.

    Tomorrow's tasks include speaking to the local young carers group and also somewhere that offers respite. Thank you for all the pm's with the advice and help on these things. I wouldn't have looked at half of these without the advice I've been given

    x
    “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
    After that long update. The plans for this evening are to bath the smalls once they've finished eating their dinner. I have done the cleaning today so it's all done and tonight I can focus on hunting out things to list on eBay. I just have the ironing of the uniforms to do once they are dry.

    Hope you all had a lovely day

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Busy_Mee1
    Busy_Mee1 Posts: 1,015 Forumite
    Shame about the school lunches Wannabe. Mine would never eat them either - was all turkey twizzelers back then. I had thought that they were supposed to have improved after the Jamie Oliver programme.

    On a related point your school is entitled to a pupil premium for children entitled to free school meals. I think they get an extra £1300 per child to ensure that children from low income families have the same opportunities as children from higher income families.

    It might be worth checking with the school to see if they are drawing this money down for your children. Although you can't dictate how it is spent, it might mean they can waive your school trip fees. Sometimes it is quite helpful to let them know that you know that they are getting this extra money......if you know what I mean :)

    I am really glad you are seeking and accepting help, you shouldn't feel guilty about it. You need to remember that the giver often gets great pleasure from doing so :)
  • beanielou
    beanielou Posts: 96,642 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on things moving foward even slowly.
    Good news on DS's trip.
    Take it as it is :) x
    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.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.