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“Rock bottom became the solid foundation on which I rebuilt my life.”
Comments
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OMG what amazing news, chuffed to bits for you!
:j:T:j:T:T:j:j:T:j:T:j:T:j:T:j:j:j Proud Member of Mike's Mob :j0 -
Wow Wannabe, what an exciting day. It's wonderful to read your news. Your happiness radiates from your posts!paydbx2026 #19 £422/£6000 . Mortgage start £148k June 23 - now £135k.
2026 savings challenge £0/£2000 EF £140. Savings 2 £2.170 -
What amazing news and so deserved.You have fought very hard to provide the best outcome for your little family, under incredibly tough conditions and at times it has been almost impossible but you have always,always put your children first.
Now you can begin to look ahead and into the future with positivity. Wouldn't worry about paying the courts a minimal amount, it will just tick along and they won't be pressuring you to up your payment.
Have a lovely birthday, take a few deep breaths and perhaps treat yourself to a celebratory doughnut to go with your coffee!
You so deserve this.0 -
Woop woop woop yay, how fantastic!
Have a wonderful birthday
Rosa xxDebt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc0 -
Hey WannabeFree,
I found this link for you that explains all you need to know about Credit Unions and how they work...
https://www.moneyadviceservice.org.uk/en/articles/credit-union-savings-accounts
Recommended by Money Advice, CAB etc.
I love my local CU
They are a real asset to the community here, folks have been able to afford to pay for weddings, holidays, cars etc through saving with them and responsible lending. My EF is with the CU
If you need to know anything else about how good a CU is just ask me BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
UncannyScot wrote: »Hey WannabeFree,
I found this link for you that explains all you need to know about Credit Unions and how they work...
https://www.moneyadviceservice.org.uk/en/articles/credit-union-savings-accounts
Recommended by Money Advice, CAB etc.
I love my local CU
They are a real asset to the community here, folks have been able to afford to pay for weddings, holidays, cars etc through saving with them and responsible lending. My EF is with the CU
If you need to know anything else about how good a CU is just ask me
That's a great link US 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 -
_party_ Wannabe, I am so THRILLED for you that you have got the rent arrears paid off. Congratulations and a very happy birthday indeed! _party_
:beer::j :j:beer:
*Starts conga line round thread*Debt: £11,640.02 paid in full! DFD: 30/06/20
Starter Emergency Fund (#187): £1000/£1000
3 month Emergency Fund (#45): £3300/£33000 -
WannabeFree wrote: »
Rent arrears Paid! :j
Have to go in Tomorrow to fill some papers out and the ball is rolling.
xWannabeFree wrote: »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.WannabeFree wrote: »
I am going down to the offices tomorrow to sign some things and I will find out how long it takes. It won't take long. It also means I should have a secure tenancy too! It was supposed to switch to a secure tenancy after 12 months but we had arrears by the point and have never been out of the arrears since 2012
x
Oh Wannabe that's such fantastic news, I'm so pleased for you. You sound so happy and relaxed now. I'm so delighted for you that you feel secure in your home now with your lovely family 
. Congratulations :j :j :j :j :j :j :j :j :j :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :beer: :T :T :T :T :T :T :T :T :T :T _party_ _party_ _party_ _party__party_ _party_ _party_ _party_ _party_ _party_ _party_ _party_ _party_ _party_ _party_ _party_ _party_ _party_ _party_ _party_ _party_ _party_ 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 all so much. Wow I didn't expect so many replies Thank you
x
FB I will pm you x
XSpender I think that might be where I went wrong. It was awful and I don't mind spice at all but it was far too much I will save yours though thank you
Thank you again for all the replies and Birthday wishes :j
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Today has been hectic! I got everything done I needed and wanted to though. Wasn't a NSD. I nipped to the libary to have some things faxed and called in the Salvation army with some old school uniform smallest has outgrown. While in there they had the most perfect present for DD1 for her birthday for £3. I couldn't resist I borrowed it out the £11.50 set aside for 'me' but I will be using it Friday anyway fingers crossed. Anyway back to the present, I'm over the moon with it. I will get a box from the corner shop and decorate it to put the gift in.
Smalls banished me from the living room after school and I've not to go in there until they allow me too in the morning :rotfl:
They decorated the cake .. I'm not quite sure it's a unicorn as some of the conversation I over heard was hilarious! I don't think I've ever laughed so much at them disagreeing about something.
They are all in bed and sleeping finally - I think they are more excited than me for the morning I still look like this :j or this maybe :rotfl:
Hope you've all had a good day
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0
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