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“Rock bottom became the solid foundation on which I rebuilt my life.”
Comments
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Still nothing MSE to really say. Still no changes. No spending either guess that's mse :rotfl:
Hoping the weather is nice tomorrow so we can get out for a walk.
Have made a start on the to do list for holiday and started sorting the things that need to be in place for youngest etc that need notice.
Nice to have something exciting to look forward too.
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Don’t know where you buy school uniform from.
Aldi have their’s from Thursday and from 4 quid per uniform.
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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 -
Can the school sort out an EHCP ( Educational Health Care Plan) for your youngest DD so that she can get support to help her at school? An EHCP looks at the medical and educational needs of the child. It's quite a complex form but teachers/SENCOs/ Heads should be able to complete it on your DD's behalf. There is a parental contribution paragraph so that you can explain from your perspective. It means that support can be put in place, including 1:1 support if needed. I've taught a couple of children in the past who have had 1:1 support on medical grounds and it has really helped the child to settle into school life and access educational provision at whatever level needed.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 170 -
Thanks HSL. I fought for a 1.1 and she has access to a TA but no longer on a 1.1 basis. They have had their funding cut.
I have wrote my letter to school ready to hand in when I'm ready to remove her. I've received a lot of helpful information of groups and things that are local and mainly free/low cost overall.
Happy I've looked into things on both sides of the coin and I'm happy that the decision to remove her eventually even if it's not forever is the right thing.
On to today. Nothing really to report. I have no voice although I don't feel unwell so that's a bonus. The smalls are loving I have no voice though.
Everyone's fed and bathed. Older two settled and youngest is watching some tennis with me and then we will go to bed once I've done the floors and things.
Nothing much else to say.
Another NSD.
Hope you've all had a lovely day
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Get well soon xI think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220 -
Good morning
Thank you cherry. I feel okay really.
Everyone's up, washed and fed. They are playing in the garden.
I have double triple and continued to check my budgets and things. Give meter readings for gas and electric. Paid the water (slightly late) as wanted to make sure I had enough to cover an a&e trip if needed. Banks now empty again.
Today I need to finish the meal plan and work out what we have on this week. Off the top of my head there's a meeting for DS going into his final year and what will change/to expect. A music performance from DS. A sports day and a charity fun day. Youngest has 2 appointments and I have my usual Wednesday appointments. Plus I might need to squeeze a normal GP appointment in for myself if possible. Busy busy.
New meds seem to be keeping me slightly more on a level. I'd usually have dipped again by now and be driving myself insane about the debt/things that need doing/things I can't change and just life in general. However I'm aware they are still there nagging me and going round in circles but I'm 'okay'
I tried to reach out to a relative to collect my dad's wedding ring (I should have received when he passed) as I was going to pawn this in to help towards the debt. However I don't think I'll be seeing it so have given up on that route. Although I would like to know where it's gone.
Anyway enough rambling. Today the sun is shining so a perfect day to get back on top of the cleaning outside.
Hope you all have a happy Sunday
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Morning WB
Hope you and the DC's are having a nice weekend and it's good to hear you're keeping on an even keel. Enjoy the sunshine. xx
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I'm glad your new meds are helping to even you out Wannabe
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It does sound as though home schooling may be the answer for littlest in the end, but I can understand you being concerned about the costs of it. I wonder whether a new school would offer better support for her.
I hope you have a good day and littlest is feeling a bit better.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
Smalls are still playing out. They've only been in to eat and drink :rotfl:
15 weeks until we'll be on holidayhave started writing the lists of things to do/remember.
“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Outgoing
Rent £480.55
Council Tax £85.40
Water £49.40
Gas/Electric £140
Phone Credit £10
Bus Pass £54
Tv License £12.56
School snack £15 (This could end in September if the changes being talked about go ahead)
School 'other' £25 (Leaving this as one category but is for uniform/anything school related/coats)
Travel £25 (smalls bus fares/trains to appointments etc)
Food/everything else £100
This leaves £13.24 unaccounted for but will be going to the debt for new rent arrears.
Debt
Debt for new rent arrears £480.“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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