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“Rock bottom became the solid foundation on which I rebuilt my life.”
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It was foggy this morning but cleared up by lunchtime. Hope DS enjoyed his trip and that you're not feeling too anxious waiting for him to return. How is DD2 getting on at school this week. Is she any more settled? xx0
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Not long til DS will be home
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.0 -
Great news on the council tax debt, you are so close to the end of that one! :T0
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Hope ds has had a great day and is back safe and sound so that you can relax.January spends - £587.580
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WannabeFree wrote: »Bank Balance £0.00
23/01/19
Debt
Council Tax £22.08
Rent arrears £1295
Credit card £0
Total £1317.08
Sent the £4.42 to the CT
On the sofa now, going to watch some more Netfl!x I think. Addicted to Heartland
x
Your totals look amazing now Wannabe, you'll soon clear the final rent arrears :T. It will give you such peace of mind not to owe any money.
I hope DS enjoyed his school trip and you have a good evening.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 -
Thank you sorry forgot to come back, I ended up going for a walk and then was nearly late for school :eek: I wasn't late though.
DS had a great day and was back late. Said it was amazing, very muddy when he arrived back though!
Got all my chores done, smalls fed and bathed. They are all in bed now.
Didn't meal planWill do it in the morning.
I'm meeting someone for a coffee again tomorrow in town but will walk there/back so will only spend on a coffee (Although it might be paid for by them)
I have more to update budget wise but the kettle just boiled so making my cuppa and hot water bottle first.
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
WannabeFree wrote: »PB - I feel some of the previous sessions helped me and them know that certain things I'm just not willing to 'work on' and talk about. However yesterday was more focused on what I wanted to understand and I feel anything that can make going forward easier/better it's worth it and I'll work at it 100%. One day the other things might fit into this but right now I'm not ready to open them boxes. Hope that makes sense. I will continue to go now though - without keep cancelling and putting it off. I feel like I need it now more than ever.
More in next post because I can't remember what else was said
x
Makes total sense. Keep on keeping on! :TDebt: £11,640.02 paid in full! DFD: 30/06/20
Starter Emergency Fund (#187): £1000/£1000
3 month Emergency Fund (#45): £3300/£33000 -
Had loads I still wanted to say. But my heads banging.
But I received a birthday gift this morning and have paid the last council tax debt off.
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
WannabeFree wrote: »Had loads I still wanted to say. But my heads banging.
But I received a birthday gift this morning and have paid the last council tax debt off.
x
Sorry your head is banging
Anything we can help with?
Good news on the council tax but what about YOU? xI 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 -
Hi W, you're doing great - big thumbs up. :T
I'm glad you're finding the counselling useful & that it's helping you to make constructive changes (or at least feeling able to start thinking about them). :j
I know that most of my immediate family including me, have had/are still having MH problems, it's by no means a rare thing, just not really talked about.
It's also different for different people & that's why no one can or should judge how a person handles their MH issues. By all means they can be supportive but the judgemental attitude of "Well I would do so-and-so" "What's wrong with you? What do you have to be depressed about" "How could they do/not do this/that/the next thing" is not helpful.
No one can understand how they would react in any given situation until they're in it, so why judge someone else? Unfortunately it seems to be the prevalent attitude for some people. :mad:
By the way have you tried the egg/butter free chocolate cake recipe Cherryfudge posted quite a few pages ago yet? I made it today & it was lovely. :j Thanks Cherry. :T:T My wee DS thoroughly enjoyed licking the spoon & then eating a piece of the end result. I put apricot jam in the middle. :drool:Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £10,546, Car loan CC 0% BT £5200. Debt Free Diary to try & keep spending in check.0
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