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

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Comments

  • Glad to hear little one is feeling a bit better and you have managed to rest a little.

    Take care and Happy New year to you and your little ones. xx
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Thank you x

    Spoken to relative who has money for us. Agreed to clear Step dad and family member. Really it would have helped to sort council tax and some of the rent arrears but this was the only agreement they'd settle on. So I won't complain. I think they might clear the fine and my credit card. Waiting for an update.

    That means either way the council tax and rent are my main focus and I need to come up with a plan ..
    “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
    Debt 09/05/2017 - Debt 31/12/17

    Council Tax [STRIKE]£2092.71[/STRIKE] £1350 (742.71 paid)
    Court Fine [STRIKE]£1250[/STRIKE] Paid (£1250 paid)
    Court Fine [STRIKE]£200[/STRIKE] Paid (£200 paid)
    Person 1 [STRIKE]£1000 [/STRIKE] Paid (£1000 paid)
    Person 2 [STRIKE]£1000[/STRIKE] Paid (£1000 paid)
    Person 3 [STRIKE]£1379[/STRIKE] £1360 (£19 paid)
    Person 4 [STRIKE]£427[/STRIKE] Paid (£427 paid)

    Debt Total [STRIKE]£7348.71[/STRIKE] £2710 £4638.71 Paid

    Rent Arrears [STRIKE]£3381.28[/STRIKE] £2885 £496.28 paid

    Total [STRIKE]£10729.99[/STRIKE] £5595 £5134.99 paid

    *Person 4 [STRIKE]£575[/STRIKE] Paid (£575 paid)
    *New Debt [STRIKE]£732[/STRIKE] £100 (£632 paid)
    *Debt 1 [STRIKE]£387.29[/STRIKE] Paid (£387.29 paid)
    *Debt 2 £1451.40 On hold
    *Debt 3 £1137.73 On hold
    *EDF [STRIKE]£3140.65[/STRIKE] Paid (£3140.65 paid)

    [STRIKE]Total £18154.06[/STRIKE]

    Total 8284.13 £9869.93 Paid (£2589.13 on hold £5695 to pay)
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Happy new year Wannabe, I hope you have a good evening :)
    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
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    January goals

    Debt Focus
    Council Tax £1350
    New debt £100
    Rent arrears £2885

    Money
    £80 Groceries - £/£80

    Extra income
    Populuslive £50 Cheque (Need to bank this)

    Plans
    6th - Sister Birthday
    Youngest appointments
    Decorate Bathroom
    Decorate Toilet
    Decorate My Bedroom

    List of things I need to sort
    Youngest - lift the flap books
    Buy a Kettle
    Buy Mugs
    Buy 1 photo frame
    Buy storage boxes for new things
    Send Sister a birthday card
    Buy bed
    Buy toddler bed
    Buy TV
    Organise DD Birthday

    Unbudgeted spends
    “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: 24,092 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad the little one is recovering :)

    Good news re the relative clearing some of the debt, at least that some out of the way.

    Fingers crossed 2018 is a fantastic year for you xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • You've done so well this year. I honestly don't know how you've done it.
    I wish you and your little ones all the best for next year. xxx
    Have adventures. laugh a lot and always be kind.
  • Happy New Year

    May all your hopes and dreams come true in 2018

    Take care
    Pauline

    Thank you for popping in on my thread, your support is so appreciated
    Don't get it perfect - Get it going
    Better Than Before
  • Cherryfudge
    Cherryfudge Posts: 13,300 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Good to see another reduction in your debt. Even better to see little one perking up!

    Happy new year - you have come so far in less than a year, I'm excited to see what you make of 2018! xx
    I 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 21/3/22
  • Happy New year! Looks like your going to have a good start to it, hope it continues all year x
    LBM in April 17 - Starting card debt £33554
    Mortgage@1 June 18 - £76350
    Total debt @june 18 £102311
    Debt Jan 25 £8282
    Mortgage £51215. Total debt now £59497
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