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

edited 21 November 2017 at 1:21PM in Debt Free Diaries
8.2K replies 680.3K views
12467821

Replies

  • helsbellhelsbell Forumite
    208 Posts
    Tenth Anniversary Combo Breaker
    ✭✭
    So glad you're still here, and sounding so positive. Just looking at your totals at the top of the thread is so inspiring.
    SPC 11, No. 062 DFD November 2020 :(
    Aug 2017 B'card £5006.83 BoS £1086.59 MBNA £0 Total: £6093.42
    Aug 2018 B'Card £995.06 BoS £863.43 MBNA £3,644.98 Total: £5503.47
    9.68% paid off
  • WannabeFreeWannabeFree Forumite
    4.4K Posts
    1,000 Posts Third Anniversary Name Dropper Photogenic
    ✭✭✭✭
    EE will inbox you but no decision yet, but I have some questions :o They still said today I wouldn't be entitled I wrote down some of the things so will message you them when I'm home x

    No I don't pay for the union yet, it is something I am supposed to be looking into though :o and never got round to it.

    No crisis loans, there is the local welfare provision but that's for food bank vouchers/gas or electric vouchers etc not 'money' I feel very lucky I don't need to use that x

    EE no need to be offended I haven't done ANY cleaning at all for days. Not a thing.
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Busy_Mee1Busy_Mee1 Forumite
    1K Posts
    ✭✭✭
    Hi I wondered whether claiming Carer's Allowance would help- you can work and earn a certain amount, but I am not sure whether it would simply be offset against your TC entitlement. I am hoping EE could advise
  • WannabeFreeWannabeFree Forumite
    4.4K Posts
    1,000 Posts Third Anniversary Name Dropper Photogenic
    ✭✭✭✭
    Busy_Mee1 wrote: »
    Hi I wondered whether claiming Carer's Allowance would help- you can work and earn a certain amount, but I am not sure whether it would simply be offset against your TC entitlement. I am hoping EE could advise

    I'm sure EE replied yesterday before it got deleted. I can't I work too many hours/earn over the amount I think x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Eager_ElephantEager_Elephant Forumite
    4.7K Posts
    Part of the Furniture 1,000 Posts Combo Breaker
    ✭✭✭✭
    Busy_Mee1 wrote: »
    Hi I wondered whether claiming Carer's Allowance would help- you can work and earn a certain amount, but I am not sure whether it would simply be offset against your TC entitlement. I am hoping EE could advise

    If you work you can only earn £116 per week which is just under 16 hours at minimum wage, I think Wannabe's hours are 24 or 30 so she would not be able to claim this unless she dropped her hours.

    If wannabe could claim it then it would be counted as an income for Tax Credits.
  • WannabeFreeWannabeFree Forumite
    4.4K Posts
    1,000 Posts Third Anniversary Name Dropper Photogenic
    ✭✭✭✭
    Thank you EE x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • WannabeFreeWannabeFree Forumite
    4.4K Posts
    1,000 Posts Third Anniversary Name Dropper Photogenic
    ✭✭✭✭
    Surveys

    Yougov 3450 ... 5000 needed to cash out £50
    Populuslive 47 ... 50 needed to cash out £50
    Onepoll £5.40 ... £40 needed to cash out
    Pureprofile £2.20 .... £25 needed to cash out
    Panelbase £7.60 ... £10 needed to cash out

    PA £7.23 Available .. £3.02 pending

    VO £10.50 (not sure what voucher to cash out)
    Isay 555 Points (690 needed to cash out £5 Amazon)
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • WannabeFreeWannabeFree Forumite
    4.4K Posts
    1,000 Posts Third Anniversary Name Dropper Photogenic
    ✭✭✭✭
    Gotta love the power of MSE friends :A

    November goals

    Money
    £135 to Council Tax
    £339.21 Rent
    £50 Groceries - £7.19/£50

    Extra income (Waiting for)
    Onepoll £40
    Pureprofile £25

    Plans
    Two bigger smalls to get 100% attendance .. Well that's a fail not even a week into November :(
    [STRIKE]Post Nephews Birthday card [/STRIKE]
    [STRIKE]DD School trip[/STRIKE]
    [STRIKE]DS School trip[/STRIKE]
    [STRIKE]Parents evening Need to rearrange I missed as was sick[/STRIKE]
    [STRIKE]DS Assembly [/STRIKE]
    [STRIKE]DD Workshop [/STRIKE]
    [STRIKE]DS Parents evening [/STRIKE]


    List of things I need to sort in October.
    DD's clothes - just tights
    Youngest - leggings and socks
    [STRIKE]BIL Birthday card running out of time[/STRIKE] Opps Ran out of time, got one today and just posted in it's his birthday today :o
    [STRIKE]Buy Christmas Jumpers x 3[/STRIKE]
    [STRIKE]School trip £6 [/STRIKE]
    [STRIKE]School trip £3 [/STRIKE]
    [STRIKE]Post money to :A[/STRIKE]
    [STRIKE]Post school photos [/STRIKE]
    [STRIKE]Youngest School trip £14[/STRIKE]
    [STRIKE]Youngest School Event £2.20[/STRIKE]

    Unbudgeted spends
    Posted some money to someone x 2 as first still not arrived :cool:
    Posted School photos
    School Shoes for DS again
    More School t-shirts for youngest
    School trainers for youngest
    School tights for DD
    £8 Xmas gifts
    £5 Food bank
    £5 T-shirts for non-uniform
    £2 Sweets
    £2 Coffee
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Honeysucklelou2Honeysucklelou2 Forumite
    3.7K Posts
    Fifth Anniversary 1,000 Posts Name Dropper
    ✭✭✭✭
    Glad to see you back and sounding really positive.
    paydbx2021 #93 £2395.50/£7,250 . 2021 savings challenge £38.94/£1000
    EF £430 . SPC 039
    Savings 2 £50.00 H2S £450.00
  • Busy_Mee1Busy_Mee1 Forumite
    1K Posts
    ✭✭✭
    I'm sure EE replied yesterday before it got deleted. I can't I work too many hours/earn over the amount I think x

    Sorry I missed the reply when the thread was deleted. I have to wonder who an earth took offence at your thread, but not to worry you are back and sounding like you are feeling much better.

    You truly are an amazing person, and if there was an MSE Mum of the Year award, you would definitely get my vote. No matter what life throws at you, your children always come first.

    Hope things start to turn around for you x
Sign In or Register to comment.
Latest MSE News and Guides

A guide to council tax bands

Lower your band & save £1,000s

MSE Guides

Cinema MoneySaving tips & tricks

Including year's 2for1 movies for £1

MSE Deals