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

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Comments

  • Morning

    Thank you :)

    Older two are at school. They have a busy day today. Youngest is already up and on her 2nd breakfast after 2 hours sleep :cool:

    I'm having coffee before I start getting on with the list. We have the community nurses coming this morning and again this evening so have time to get a lot of the list done in between going to the school things.

    Hope you all have 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.”
  • Sun_Addict
    Sun_Addict Posts: 24,142 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Morning WF :)

    Don't let one troll put you off posting. Remember you have loads of us on your side. The best thing you can do is ignore them and carry on, let them crawl back under their stone.

    Hope you have a good day today and little one starts to pick up xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • jwil
    jwil Posts: 22,082 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I agree with the others WF. We all understood about the loan.

    If someone needs to create a new account to say something they cannot say on here in public, then frankly they are not worth listening to. I hope you reported them.

    Your friends on here understand the situation you are in and accept that you don't need to explain everything you do. If we don't agree with something we can offer our perspective and advice. You can then choose to accept or not. People should not judge. If they don't like what they are reading they don't need to follow.

    Sorry, I'm cross on your behalf.

    I hope everything improves for you soon and all is well for you all over Christmas xx
    "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
  • Thank you :)

    Event number one done at school. Back again after lunch and then it will be school run time.

    Now I'm going to sit with a cuppa, do the meal plan - before I leave it until later and then it doesn't get done!

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • 100% agree with suggestions to report that DM - the sort of person who would say something like that via DM rather than publicly on the board just defines the word "bully" to me - and we definitely do NOT need bullies here. If it is a brand new account them hopefully the forum team will be able to tie it to the OP address of the account that the person usually uses.
    🎉 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
    £100k barrier broken 1/4/25
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  • Remember, a troll doesn't say what they think, they say what they think will cause the most upset.

    And someone who creates a new account to send spiteful messages is most definitely a troll.

    Don't let 'em win by letting them get to you. You're doing absolute miracles despite being denied help left, right and centre from the system that is meant to be designed to help people who are in situations like yours with Youngest, and I have no idea where you find the strength.
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • Morning :)

    Thank you x

    Older two in for there last day :D

    Have a few bits too get done today - we have to wait in for the respiratory nurse anyway. It's actually dry today and not as cold so I really want to try and get outside swept and cleared.

    I know quite a few readers will be getting ready to switch off screen time and start the Xmas festivities with their smalls and families. I hope you all have a wonderful time.

    The smalls are so excited now and are on a total energy burst about it all.

    Thank you again for all stopping in, the help, the support on and offline x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • SusieT
    SusieT Posts: 1,267 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I dont envy you 3 smalls that are hyper, you will be happy to get a few hours rest when they go back to school :D

    I am so lucky that I have nobdy but the animals to think about for Christmas, the few cards I do send are sent, presents are hugely reduced this year and all done online so no wrapping, only 3 people to get their biscuits, gin or beer and I am done for the year :D
    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 2036
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi WB :) Hope you and the children have all had a lovely weekend. Are you all organised or do you have last minute bits to do? Only 3 more sleeps now, bet the DC's are really hyped up aren't they. xx
  • How are you Wannabe? I hope you're all enjoying the weekend.
    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.
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