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“Rock bottom became the solid foundation on which I rebuilt my life.”
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No dramma's is always goodI 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 -
That would make such a huge difference to you.Have adventures. laugh a lot and always be kind.0
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Do you have any company's where you can pay up a carpet, we have a company here that lets you pay it up and when it's paid they'll fit it for you, quite a few people round my way have used that xNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050
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Is there enough of the original flooring to do one room? That wild T least get something straight soon. Then you could try freegle or similar for the remaining floor.
I ha mismatched carpet on my concrete floors for 4 years (other peoples offcuts) and only had underlay for 2 of those. In fact I may still have some insulation for floors, and possibly some bamboo flooring thatisn’t needed, so pm me with details of how much you need and I can check next time i’m home.0 -
I've just had a quick read of the current decent homes standard and annoyingly there's nothing specifically relating to floor coverings, however I'd say it's still worth raising the question with your MP if the HA are being unhelpful as I can't believe that in this day and age most people would consider a bare concrete floor to be acceptable to any family, particularly a vulnerable one with young children.
I'd also consider a formal approach to the HA requiring them to make good the damage caused by the repairs being undertaken - this also doesn't seen unreasonable.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Morning
I spent yesterday trying to fill the majority of the floor. I've managed to cover most of the living room and the sofa is where there isn't any. I've also managed to do the front hallway and part of the kitchen (the bit you walk on) leaving under the appliances. The back hall way has none. But it's better than nothing anywhere. It doesn't look the best but again better than nothing. I've also seen some big rugs in the local council second hand shop for around £30 each so this could be another cheaper option for now too. I need to get some basic paint to put the walls straight. Just going to stick to the basic trade white I think especially with so much needing doing. Cheapest and easiest to keep touching sticky fingers up.
I have youngest home from school today poorly. Just a 'normal poorly' for now Will keep an close eye on her. So today will be pretty lazy. Sleep still isn't great at around 3 broken hours a night.
Other two are in school and happy. Definitely need to check through DS's bags tonight and get them checked against the list. I'm pretty sure he just needs to put the stuff he needs at home before going in. We have a high school visit tomorrow evening (3 hours to try and listen and keep the others entertained should be fun!)
Anyway hope you all have 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 -
I hope littlest one feels better soon and you get more sleep, I don't know how you cope on so little.
Well done on getting most of the floors covered. The rugs sounds like a good option too.
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 -
Hope youngest picks up soon.
Good work on the floors too xI 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 -
Big hugs to the littlest, I hope she feels better soon, so unfair she has to go through all this
She has the best mum ever though
I get knocked down but I get up again (Chumbawamba, Tubthumping)0 -
Hope littlest is feeling better today and you had some sleep 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 McGee0
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