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

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Comments

  • jwil
    jwil Posts: 22,288 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope today goes ok x
    "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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's great news about your holiday, it will do you all good :).

    I hope your appointment goes well today.
    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
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Afternoon WB :) Think your plan to home school DD2 is a good one especially if you can access some help.

    Have you managed to bring the holiday forward or are you still planning on going in October?

    Hope the appointment went well and you feel some benefit from it. xx
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Afternoon :)

    Thank you

    No I haven't changed it yet Tea. When I have the money to top up I will call and change it to hopefully near Easter school holidays.

    x
    “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
    Weekly Out
    £99.10 Rent
    £25.60 CT
    £15 Gas
    £15 Electric
    £11.40 Water
    £2.50 TV License
    £2.50 for phone credit
    [STRIKE]£16 bus pass *this is needed now we have so many appointments[/STRIKE]

    £32 Debt
    £23.35 Council tax debt (12 weeks then added back into the food budget)

    £2 Snack

    £17 for food/everything else.

    I need to try and fit something in got travel to my appointments. I don't have enough time to do both and walk both ways. I only have someone with youngest till lunch time and I can't be late back.

    Bank balance £0.05

    Debt

    Debt £458 (£32 paid)

    Need to save
    £72 Holiday found £20 cheaper still in the school holidays.


    Keeping it simple. Only two goals.

    To be debt free soon as possible (then debt repayments will go into an EF and 'fun' pot)

    Be happy.

    I can't change whats happening in 'life' just got to make the most of that too. Sitting angry and sad about it is wasting time I keep going on about I want to make the most off. This isn't making the most of it.

    Think I've finally stopped swapping stuff around and found the best way to make it fit.
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    What happened with the Council Tax if you don't mind me asking? Weren't you expecting that to go down to just over £5 a week in April :o xx
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    This year's bill is Tea. Theres a post over on the main board about owing more.

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Toni'sfriend
    Toni'sfriend Posts: 4,056 Forumite
    Eighth Anniversary 1,000 Posts
    Hi W

    Just read your other post. That's an awful long time for them to suddenly come back and say you owe them. Did they have a reason why it took so long? Are they now allowing you to pay by instalments?
    Have adventures. laugh a lot and always be kind.
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Yeah TF It's all been explained someone called me back yesterday evening. I can pay over 12 weeks rather than immediately. They are still going to chase him too they said although I doubt it will be a priority if they are receiving payments. I'm trying not to let it get to me too much.

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Toni'sfriend
    Toni'sfriend Posts: 4,056 Forumite
    Eighth Anniversary 1,000 Posts
    Well, I suppose letting you pay by instalments is something at least. Hope your appointment went well.
    Have adventures. laugh a lot and always be kind.
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