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

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  • beanielou
    beanielou Posts: 96,643 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hopefully once you get the rent review done you will feel easier 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.
  • beanielou
    beanielou Posts: 96,643 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    At least you have your MSE friends :)
    I would have been lost without MSE over the years! 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.
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Make it your mission this week to go to your appointments. You'll feel much better when you have and it'll be something less for you to think about. Do it while you know the smalls are well and in school. It might be stressful for you now but it'll be doubly stressful if you have to juggle children and appointments in the future. x
  • beanielou
    beanielou Posts: 96,643 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    teafor2 wrote: »
    Make it your mission this week to go to your appointments. You'll feel much better when you have and it'll be something less for you to think about. Do it while you know the smalls are well and in school. It might be stressful for you now but it'll be doubly stressful if you have to juggle children and appointments in the future. x

    This is a good idea. :)
    Baby steps 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.
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Yes, baby steps like Beanie said. One day at a time. x
  • Cherryfudge
    Cherryfudge Posts: 13,795 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Oh no! About the phone screen. At least it still works but don't get cuts off it or anything.

    I hate it when I have anything looming. Hope you can manage to win the battle over an appointment this week, as folk are saying, once one is gone, it's gone and no longer hanging over you - but it's hard to get to that point.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
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  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thank you

    Will think (alot) about the rent appointment. While putting it off makes the worry of the appointment longer. I'm worried about the review. Last time they doubled my payment. I really can't afford the court fees to refuse the increase and have the eviction suspended again so I agreed last time. I can't agree to another increase. Not to mention the worry of having to go to court and stand and defend why I should be able to stay on a suspended possession order. Although I think the fact I have paid it would go in my favour so wouldn't be as hard as the first time to get my 'defence' on the situation across.

    My own appointments I just put off. I think they are pretty pointless and I'm sure there's someone who find them more useful :o

    Baking successful and not burnt.

    Got there in the end

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Is there anyone you can talk to who can advise about the review? And help make your case if necessary?


    Glad the baking got there :)
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • beanielou wrote: »
    You werent moaning.
    Just saying it as it was.

    Get a cuppa & relax :) x


    Stating facts is not the same as moaning and even the occasional moan has its place as a stress-release valve. Stop being so hard on yourself!

    All appointments for myself tea. I've changed one of them already. Have a sort of Dr appointment in town I couldn't get through to change and my rent review. I could go. I have no real excuse. I'm capable of walking to town it's not like when I need to have a small with me. I should go then id stop worrying about the appointments :o

    Pleas go for to your appointments. For the following two reasons:


    1) You deserve to be as well and as happy as any other person on the planet;


    2) They will help you cope better with the stresses and strains of everyday life, which is already hectic enough for you!

    Thank you


    Will think (alot) about the rent appointment. While putting it off makes the worry of the appointment longer. I'm worried about the review. Last time they doubled my payment. I really can't afford the court fees to refuse the increase and have the eviction suspended again so I agreed last time. I can't agree to another increase. Not to mention the worry of having to go to court and stand and defend why I should be able to stay on a suspended possession order. Although I think the fact I have paid it would go in my favour so wouldn't be as hard as the first time to get my 'defence' on the situation across.

    My own appointments I just put off. I think they are pretty pointless and I'm sure there's someone who find them more useful :o


    Seriously, there's no way they can expect an increase given your circumstances and you have the paperwork to back it up. Your income has reduced since the last review yet you have managed to keep up the repayments. The only thing they could possibly pick a hole in is your Virgin, but explain that you are getting rid of it as soon as your contract expires as you can afford it, but that you need the money that currently goes toward it for food and your daughter's medical needs.


    If tbey insist, ask about the compaints procedure and get a. Councillor and perhaps an MP involved. Xxx
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Morning :) It's going to be a good day today Wannabe, your CC is officially going :T

    Agree 100% with PB - you're no less worthy than anybody else and if the professionals didn't think you needed the appointment I'm sure they'd say so. But if you really do think they're pointless and you feel you aren't getting anything out of them to the point where you keep cancelling them, would you be better just drawing a line under them and saying you're not going any more. At least then you won't have the stress of cancelling, worrying you've cancelled, having to make another appt. etc.

    I've no idea about rent reviews but will it take place even if you don't go to the appointment? I'm sure the fact you've kept to the agreement and your already tight budget will go in your favour. Any more outgoings and surely they'll see you and the DC are going to be in dire circumstances.

    Please take that "having a good think" one step further and actually go. Once you know what they've said there'll be people on here who can help you with advice etc. You're not alone. xx
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