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

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Comments

  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    25/01/19
    Debt
    Council Tax £0
    Rent arrears £1275
    Credit card £0

    Total £1275

    Weekly Out - Budget now
    £125 to rent
    £25.60 to this years council tax
    £15 Gas *needed to add £5 here
    £15 Electric
    £11.40 Water
    £5.60 TV License
    £2.50 for phone credit *added £1.25 here

    £3 Snack

    This leaves £44 odd pence for everything else.

    This is now the budget going forward.
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Onto today..

    Bank Balance 28.87

    Paid rent (£125)
    Paid council tax (£25.60)
    Paid last virgin (£48.14)

    £50 cash out
    Paid TV license (£5.60)
    Topped up Gas £15
    Topped up Electric £15
    Paid water £11.40

    £3 in pound coins for snack.

    Also been food shopping £17.83 spent to make the meal plan work. Will need more bread and milk. Also been to the pharmacy £10.50 - things needed for me and youngest.

    £2.80 on coffee :o which I didn't need to spend.

    Virgin was more than I had set aside. It's more than I expected but apparently it covered more days or something. Anyway that's the last payment to them it's cancelled now.
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • I went for a coffee myself :o So I did buy a coffee :o

    Really glad you still went for a coffee, you deserve to treat yourself :D
  • jwil
    jwil Posts: 22,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Congrats on clearing the Council Tax :T :T
    "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 McGee
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Glad to hear you bought yourself a coffee, it's easy to get out of the habit of treating ourselves but we all deserve a little something every now and then :)

    Ouch to the Virgin bill. Big difference between £7.50 and £48.14 :eek: Has that wiped you out again for the week? On the positive side, as ever :rotfl: at least your budget is looking better for the coming weeks.

    Hope the smalls have all had a good week at school. Can't believe it's weekend again! xx
  • beanielou
    beanielou Posts: 96,643 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Eeek to Virgin.

    Hope ypu feel better soon.

    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.
  • Great news on the council tax Wannabe :j :j :j :jand I'm glad you treated yourself to a coffee while you were out :T.

    I'm glad Virgin is gone but I hope the final payment doesn't leave you short as it seems higher than you were paying.
    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 MONTHS
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Tea town was weird being there on my own for nothing. It's dire there now. I don't think it's somewhere that can be described as a nice place to visit anymore. Might have to visit one of the other towns for coffee next time.

    Thank you for all the replies, it's such a good feeling to know everything is going to be okay.

    Onto other news both DS and youngest brought trip letters home. DS's is £99! He says he understands if he can't go but if he can he'd like too. Its £25 to reserve his place and then the rest can be paid over the next 2 months. DD's is £10.15 (why are they always such random amounts?) No doubt DD1 will have a trip soon :cool: Might as well make it all of them!

    Anyway they had a good week in school and are all very happy it's weekend. They are fed, bathed and playing in their rooms.

    I've lifted some meat out the freezer (I really don't know what it is :o) and will make it into casserole and pie for over the weekend using up the last of last weeks veg/potatoes and some soup.

    Happy Friday

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • £99 for a trip!! Hope it’s at least residential for that. Do you qualify for free school meals? Even though DS2 has a packed lunch (because he doesn’t like the food at school :(), he still qualifies for the pupil premium which covers trips, so he goes free. I know you’ve not had good results with your school, but could you try asking again about this one? Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • System
    System Posts: 178,374 Community Admin
    10,000 Posts Photogenic Name Dropper
    I would of thought as well that if your school is an academy DS would qualify for pupil premium so trips would be free .

    £99 is a lot to find extra in 2 months.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
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