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“Rock bottom became the solid foundation on which I rebuilt my life.”
Comments
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Fantastic news. xx
Feel a bit teary.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 -
What wonderful news for you
It sounds as if you are going to have a very happy birthday tomorrow.
I think with your youngest, it is more a case of her being stronger so that she does not get the bugs the others have, than the others not geting her bug, so holding her at home for today is probably safer than having her in school - and you can always ask her to do a little bit of learning like she would at school, so if for example she would have written or copied some the letters or words, perhaps she could do that at home and then colour them in or something?Credit card debt - NIL
Home improvement secured loans 30,130/41,000 and 23,156/28,000 End 2027 and 2029
Mortgage 64,513/100,000 End Nov 2035
2022 all rolling into new mortgage + extra to finish house. 125,000 End 20360 -
Thats great news re the rent arrears :j and sounds like it will make a great deal of difference in other ways too and help with you all feeling more secure.
Best birthday ever? Definitely deserves a unicorn cake 0 -
Best birthday ever... I better make that cake hadn't I or I'll be in the bad books :rotfl:
Phone call done - youngest fed so she was quiet why I was on the phone.
Rent arrears Paid! :j
Have to go in Tomorrow to fill some papers out and the ball is rolling.
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
So pleased for you.
As one door closes another one opens
Time for the next chapter xx 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 -
06/02/19
Debt
Council Tax £0
Credit card £0
Rent arrears £0
Court Costs £509
Total £509
Weekly Out - Budget now
£99.10 to rent
£5 to Court costs
£25.60 to this years council tax
£15 Gas
£15 Electric
£11.40 Water
£2.50 TV License
£2.50 for phone credit
£3 Snack
This now leaves nearly £70 a week for everything else.
I asked for the court costs to be set at the absolute minimum they could
I can pay more if needed/pay it off sooner but I'm happy to just let it tick over for now. Being more stable is more important.
TV License goes to £2.50 after this week as I've caught up. It's on the weekly payment card and from what I understand you pay the first 12 months over 6 months then it halves. If I understood the letter correctly.“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
That's great news about the rent, what a birthday present :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 McGee0
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How things have changed over the last 3 months!
Definitely a new chapter Beanie. For the first time ever I feel in control. I can see happiness in us all building from now. I know it will take a couple of weeks to be sorted fully. But today is the start of a new beginning. A total fresh start.
I'm so happy I can't even begin to tell you how much.“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Great news re the rent arrears xx0
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Great news, so pleased for you0
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