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

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Comments

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

    LMW not at all :)

    Thank you for all the replies

    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
    11/01/19
    Debt
    Council Tax [STRIKE]£375[/STRIKE] £337.50 (£37.50 paid)
    Rent arrears [STRIKE]£1545[/STRIKE] £1445 (£100 paid)
    Credit card [STRIKE]£150[/STRIKE] £97.60***

    [STRIKE]Total £2070[/STRIKE] £1880.10

    Bank balance £81.36*

    Food budget £15**

    Paid Council tax debt (£12.50)
    Paid rent (£150)
    Paid council tax (£25.60)
    Sent £8.75 to 'bill pot' Virgin & Phone Credit

    £40 cash out
    Paid TV license (£5.60)
    Topped up Gas £10
    Topped up Electric £10 (£5 left in budget)
    Paid water £11.40

    £3 in pound coins for snack.

    Need to fit in the budget
    DD's School tights £8
    DD1 School shoes £?

    *** CC- 49.9% interest along with the £12 over limit fee I keep getting and the £12 late fee is the one I need to think of a plan and chuck my efforts into.

    The CT and Rent don't have any extra interest/fees etc.

    Will need to top the electric up with the other £5 at some point but couldn't get it out the cash machine. Need to watch the gas and electric more as we ended up in the emergency on both this week :cool:
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Hi Wannabe,

    All going down lovely :)

    Have a great day xx
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thank you PMO2 x

    Time to set off to town I think, I think it takes me over 45 minutes to walk so should be perfect timing

    Have a lovely day

    Back later
    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • jwil
    jwil Posts: 22,584 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think was a bit worried Cherry I worry about everything :o Even the stupid things like have I locked the door/the window/have I turned it off/Did I do x or everything else. I feel like I have too many things up in the air and to worry about. Even stupid things like what will we eat/what will do/how will we do everything :rotfl: It sound's even more ridiculous now I can read it :o I've wrote lists and rewrote the lists with answers. I'm sure things will all settle down

    x

    I'm with you on that. Hope it settles down soon 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 McGee
  • jwil
    jwil Posts: 22,584 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Congrats to DD1 and hope your meeting goes well today xx
    "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 McGee
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Aww that's lovely about dd1 swimming lessons she'll be so pleased 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
  • Great news about the swimming lessons for DD1.

    Completely understand about the anxiety thing, I get myself in such a state about things and what might happen.
  • Well done to DD1.

    Hope the meeting has gone well and the trip in to town wasn't too stressful x
    LBM 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 £59497
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    11/01/19
    Debt
    Council Tax [STRIKE]£375[/STRIKE] £337.50 (£37.50 paid)
    Rent arrears [STRIKE]£1545[/STRIKE] £1445 (£100 paid)
    Credit card [STRIKE]£150[/STRIKE] £97.60***

    [STRIKE]Total £2070[/STRIKE] £1880.10

    Bank balance £62.21*

    Food budget £15** (£16.95 spent over budget on the first day :()

    Paid Council tax debt (£12.50)
    Paid rent (£150)
    Paid council tax (£25.60)
    Sent £8.75 to 'bill pot' Virgin & Phone Credit

    £40 cash out
    Paid TV license (£5.60)
    Topped up Gas £10
    Topped up Electric £10 (£5 left in budget)
    Paid water £11.40

    £3 in pound coins for snack.

    Need to fit in the budget
    DD's School tights £8
    DD1 School shoes £?

    *** CC- 49.9% interest along with the £12 over limit fee I keep getting and the £12 late fee is the one I need to think of a plan and chuck my efforts into.

    The CT and Rent don't have any extra interest/fees etc.

    Overbudget on the food budget on day 1 :( although we shouldn't need anything at all now until next Friday. £16.95 spent. Also spent £2.20 on coffee :o I had coffee before food shopping. If I'd do the food shop first I'd have skipped coffee to save the money :o
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
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