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“Rock bottom became the solid foundation on which I rebuilt my life.”
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I'm not going to go as full on doing the stairs etc. I will just spend a couple of hours each night on it once the smalls are in bed.
I need to finish downstairs so I can but the decorations etc up, plus we will have people visiting over Xmas etc and I don't like it not being right“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
We have 10 internal doors and 2 external doors. Are we having door comparisons :rotfl::rotfl:.Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Loving the door comparisons :rotfl:
Another coffee breakI'm slowing :cool: One more coat should be done! and a few touching up of the gloss. Then will get back to my to-do list.
“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
I don't know how you stay up and doing so late. I think I'm burning the midnight oil if I'm still awake at 9pm :rotfl:I get knocked down but I get up again (Chumbawamba, Tubthumping)0
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My fuels running low now
Will push through it though. I really want it done. I want to get the wallpaper up now though but I can't :rotfl:
Just realised tomorrow's appointments will require taxi's too. Need to remember to get the money out on the school run. Glad I looked! although it means we'll be in town at rush hour :cool: Joyful! Think I'm going to change her next one to earlier in the day even if it means collecting her from School early. I don't fancy a dash through town for 5pm on the 18th with all 3 smalls. Need to write it on the list for tomorrow. I think all the others will be okay as we can avoid going through town.“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
December goals
Money
£135 to Council Tax - £0/£135
£60 Rent - £0/£60
£80 Groceries - £0/£80
£50 Other Debt - £0/£50
Extra income (Waiting for)
Populuslive £50 Cheque
Plans
[STRIKE]1st - Non Uniform £2[/STRIKE] Done £3
7th - Youngest dress as a character for calendar pictures
8th - Smalls Xmas dinner £5 Paid
11th - School Panto trip £42
11th - Youngest Xmas party
12th - Youngest Nativity 10.30am
13th - Xmas Fayre & Santa Express Train
13th - School Santa £18
14th - Christmas roadshow
14th - Youngest School Santa £9
15th - Xmas jumper day £3
18th - DS Xmas Production
19th - DD Xmas Production
22nd - Last day of term
Youngest appointments x 8
Make and keep my own appointments
Decorate Living room - Wallpaper to go up
Decorate Kitchen - Wallpaper to go up
Decorate Hallway
Decorate Stairs
Decorate Landing
School Xmas cards
Finish Xmas shopping
Xmas tree
Xmas cards
List of things I need to sort in December
DD's clothes - just tights
Youngest - leggings and socks
Xmas tree
Xmas gifts
Xmas cards
Buy a Kettle
Buy Mugs
Buy 2 photo frames
Buy storage boxes for toy cupboard
£10 for DS to buy his sisters a gift.
£10 for DD to buy DS and DD a gift
£10 for Youngest to buy DS and DD a gift.
Unbudgeted spends
£35 DIY store
£2.50 Coffee
£1.50 Sweets
Activity a day
1st - Paint Xmas pictures - DoneAmazing fun
2nd - Make Xmas decorations - Glitter everywhere! Done
3rd - Xmas movie & popcorn - Done
4th - Make Xmas cards
5th - Read Xmas stories (busy with appointments needed something quick)
6th - Finish Xmas cards/envelopes
7th - Winter walk & post cards“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Think I might have to change tomorrows activity. I don't think we will be back home till near 7pm from youngest's appointment. Need to think of something quick
Need to buy some edible glitter too! Must add it to the list on my phone or I'll forget.“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Debt 03/12/2017
Council Tax [STRIKE]£2092.71[/STRIKE] £1350
Court Fine [STRIKE]£1250[/STRIKE] £825
Court Fine [STRIKE]£200[/STRIKE] £0
Person 1 £1000 (Happy to wait)
Person 2 £1000 (Happy to wait)
Person 3 [STRIKE]£1379[/STRIKE] £1360
Person 4 [STRIKE]£427[/STRIKE] £0
Debt Total [STRIKE]£7348.71[/STRIKE] £5535 (£1813.71 Paid)
Rent Arrears [STRIKE]£3381.28[/STRIKE] £2945 (£436.28 paid)
Total [STRIKE]£10729.99[/STRIKE] £8480 (£2249.99 Paid)
*Person 4 [STRIKE]£575[/STRIKE] £275
*New Debt [STRIKE]£732[/STRIKE] £532 (£200 paid)
*Debt 1 [STRIKE]£387.29[/STRIKE] £377.29
*Credit Card £226.14
Catch up
Rent [STRIKE]£339.21[/STRIKE] Paid
Council tax [STRIKE]£135[/STRIKE] Paid“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
December Payments Needed
9th December - £113.07 Rent
9th December - £10 Fine
16th December - £113.07 Rent
16th December - £10 Fine
21st December - £10 Debt 1
23rd December - £113.07 Rent
23rd December - £10 Fine
28th December - £135 Council tax
30th December - £113.07 Rent
30th December - £10 Fine
Also
£226.14 Credit Card
£100 Person 4
£200 New Debt“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
WF you are doing fantastic! I've struggled today to get the energy to sweep the floor!! I've had paint for the decorating for about 3 months now and it's still sat there.
You are doing fantastic with the debts too, i really hope ex OH is still giving you his fine money but guessing he's probably not.
Hopefully payments to school will calm down in Jan and you will be a little better off.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 £594970
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