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“Rock bottom became the solid foundation on which I rebuilt my life.”
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It will get better, once the debt is gone
Once the smalls birthdays are done there is nothing until Xmas and I'll be debt free by then
that makes me so happy. Then we would have £65 a week for everything which is a huge difference
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
I've been there with young children and skint many years ago. It does get better. The good thing is you're still young and getting it sorted. Happy days when you get debt free, it won't be long now I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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The end is definitely in sight. Couldn't have done it without here
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
I make the DC's birthday cakes as well and we used to do movie and popcorn nights. I miss those days.
The birthday plans for your 3 little ones sound lovely. I'm not usually stumped for words but I don't actually know what to say about your budget of £30 having to cover everything for yourself and 3 children. I thought it was just for food
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& at the moment it is only 15 pw 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 -
Oh it's so cold tonight! I made soup because I forgot to feed myself.
Smalls are all tucked up sleeping. It's so quiet. Do you not think it makes the nights feel so much longer when it's silent?
Think I'm going to make a hot water bottle and get on the sofa and see if there's something on TV. Still surveying still not reached payout and nothing available now to do.
I think we are going to have a quiet weekend and stay warm. It can't just be me that thinks its really cold!
P.S the smalls are warm I checked
“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Its minus 2 here, and I am out of heating oil until the delivery arrives in the morning. I have an oil radiator on in the kitchen so the temp does not drop too much and break the fridge or freezer, and am also going to sleep on the sofa as the living room is warmer than the bedroom until I finish getting the rest of the ceiling insulated and replaced. Nothing on tv, so I am reading on hereWannabeFree wrote: »Oh it's so cold tonight! I made soup because I forgot to feed myself.
Smalls are all tucked up sleeping. It's so quiet. Do you not think it makes the nights feel so much longer when it's silent?
Think I'm going to make a hot water bottle and get on the sofa and see if there's something on TV. Still surveying still not reached payout and nothing available now to do.
I think we are going to have a quiet weekend and stay warm. It can't just be me that thinks its really cold!
P.S the smalls are warm I checked Credit card debt - NIL
Home improvement secured loans 30,130/41,000 and 23,156/28,000 End 2027 and 2029
Mortgage 64,513/100,000 End Nov 2035
2022 all rolling into new mortgage + extra to finish house. 125,000 End 20360 -
Hi Wannabe just reposting here what I mentioned on Beanie's thread. As you are with the Nationwide bank you could use their refer a friend scheme.
If you can find someone who wants to switch their current account to Nationwide you can get £100 for referring them and they get £100 for switching...win win. They need to switch a current account within 90 days that has 2 direct debits on it and there are 3 Nationwide accounts they could choose to switch to (Flex Direct has no minimum pay in). I think all they would need to do is give you their name and email address so that you can make the referral. You can make up to five referrals so effectively up to £500
Just a thought...not a quick fix but worth a look if anyone is looking to switch.0 -
Oh no SusieT I hope your oil delivery arrives and you can warm up!
Thank you Busy Mee I will have a look around and see if I can find some referrals
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Morning
Everyone is still in bed. Thought I'd leave them why they can have a lay in and I can enjoy my morning cuppa in peace and quiet without rushing :rotfl:
Still have some bits of cleaning to do but it's wet outside so no cleaning out there today. Think we will bake fairy cakes and oat biscuits today. Youngest has started to have an oat biscuit every night before bed (she has to eat with/after meds I don't over feed them)
Will probably do something crafty too so they are kept busy
Hope you all have 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.”0 -
Have a good weekend "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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