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

WannabeFree

I think it is a big part of the headaches SA. I rely on coffee more than food I know I shouldn't I will get some in the morning after the school run

I've never tried green tea, I bought teabags as it's cheaper than coffee (I'll drink cheap tea if needed but not very cheap coffee)

x

teafor2

Some days are just odd. I know I feel out of sorts some days for no reason. I'm a tea drinker but enjoy the odd coffee. I don't know why but it's like having a meal, it really fills me up. I like fruit teas as well, which reminds me I need to buy some of those. x

WannabeFree

This will explain the day being strange

Okay things have changed, I woke up to a 'gift' this morning, with advice so now the budget looks like this.

£125 to rent
£12.50 to Council tax arrears

£25.60 to this years council tax
£10 Gas
£15 Electric
£11.40 Water
£5.60 TV License
£1.25 for phone credit (£5 a month)
£7.50 for Virgin that ends at the end of the month too

£3 Snack

This leaves £30 and odd pence for food etc weekly plus will have £7.50 from Virgin from the end of the month.

I have paid what I was behind on the arrears and emailed to confirm that's where the payment should be applied (I have emailed so I get a reply in writing but will call and confirm tomorrow morning too)

The CC was never in the budget

ETA I do obviously have the extra I'm spreading out still this is just the weekly budget of what actually comes in and goes out. Before anyone thinks I went on a spending spree

So now things look so much better. I'm really hoping the CC will be gone soon and then 'living' of the remainder of the budget should make things 'comfortable'

Will update debt totals tomorrow when I've spoke to them.
x

beanielou

WannabeFree wrote: »

This will explain the day being strange

Okay things have changed, I woke up to a 'gift' this morning, with advice so now the budget looks like this.

£125 to rent
£12.50 to Council tax arrears

£25.60 to this years council tax
£10 Gas
£15 Electric
£11.40 Water
£5.60 TV License
£1.25 for phone credit (£5 a month)
£7.50 for Virgin that ends at the end of the month too

£3 Snack

This leaves £30 and odd pence for food etc weekly plus will have £7.50 from Virgin from the end of the month.

I have paid what I was behind on the arrears and emailed to confirm that's where the payment should be applied (I have emailed so I get a reply in writing but will call and confirm tomorrow morning too)

The CC was never in the budget

ETA I do obviously have the extra I'm spreading out still this is just the weekly budget of what actually comes in and goes out. Before anyone thinks I went on a spending spree

So now things look so much better. I'm really hoping the CC will be gone soon and then 'living' of the remainder of the budget should make things 'comfortable'

Will update debt totals tomorrow when I've spoke to them.
x

Wow, that is just great.
So that means the arrears are toast.
Could not have happened to a more deserving person.
This has made my week xx

teafor2

What a fantastic gift, your rent arrears have gone :j Whoever gifted that has made a massive difference to you, bless them. :T x

WannabeFree

Yeah Beanie, all that had built up since the DLA stopping has been caught up. Both Rent and Council tax. So back to the originally agreed payments to the rest of the arrears now. Meaning an 'extra' £25 a week in the budget.

Makes it so much less stressful in areas I don't really post on here along with being able to go to the appointments because I'll have the £5 bus fare etc if needed. I obviously still need to be very strict with the budget BUT £35 a week is a huge improvement on the £5 a week my budget had before.

x

SusieT

Wow, that must have been the most wonderful thing to happen to you, and so well deserved
Enjoy the coffee tomorrow, I only keep Nescafe instant in the cupboard in case guests do not drink tea, it lasts for ages!!

WannabeFree

13/01/19
Debt
Council Tax [STRIKE]£375[/STRIKE] £300 (£75 paid)
Rent arrears [STRIKE]£154[/STRIKE]5 £1320 (£225 paid)
Credit card [STRIKE]£150[/STRIKE] £37.50***

Total [STRIKE]£2070[/STRIKE] £1710

*** 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.

This is what it will look like once it's confirmed tomorrow. I have £12.50 left to chuck at the credit card

Couldn't wait till tomorrow to change the numbers

teafor2

That's such a huge difference Wannabe. Do you think from the £35 you may be able to allocate something extra to the CC. Getting rid of that as well would be wonderful for your stress levels and future finances. x

WannabeFree

That's my plan teafor2

I want it gone

x