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“Rock bottom became the solid foundation on which I rebuilt my life.”
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I think you have made the right decision for you & yours at this moment in time.
Cant ask for more than that.I 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 -
It sounds like you have sorted your work situation out in the best way for everyone . Hope you get any benefits back in payment as soon as you can .This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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So glad a decision has been reached and you still have your job when things improve. Fab employer
I get knocked down but I get up again (Chumbawamba, Tubthumping)0 -
Thst sounds like a great solution Wannabee, glad it worked out well. You will feel less stresses now and can go back when things are easier.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 -
I do feel less worried about the smalls. I do still feel a bit like a failure though
and I've just proved those who said I couldn't do it right. :cool: Silly I guess. It is what it is.
Such a busy day. I am so drained I'm going to make a cuppa and retreat to the hottest shower possible.
Hope everyone's well 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 listen to people who aren't worth listening to Wannabe. Putting your children first makes you a success not a failure.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 -
HairyHandofDartmoor wrote: »Don't listen to people who aren't worth listening to Wannabe. Putting your children first makes you a success not a failure.
I was just about to reply with practically the same post
BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
January goals
Debt Focus
Council Tax £1350
New debt £100
Rent arrears £2885*
Money
£80 Groceries - £7.60/£80
Extra income
Populuslive £50 Cheque (Banked)
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
[STRIKE]Buy Mugs[/STRIKE] £2.50
Buy 1 photo frame
Buy storage boxes for new things
[STRIKE]Send Sister a birthday card[/STRIKE] £3.62
Buy bed
[STRIKE]Buy toddler bed[/STRIKE] £45
Buy TV
Organise DD Birthday
Unbudgeted spends
£8.10 Mr A Pjs, Jumper, Xmas treats,sweets
£2.60 Coffee
*Sent £226.14 to rent today, I don't think it will have brought the arrears down much yet though until I've caught up I will get an updated figure end of the month when I've paid more.
Bought youngest another bed. She will still have the bottom bunk for when she's well enough to go in with DD. Being delivered tomorrow.“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Glad that you have been able to sort out the work situation and how wonderful that they have said you can return when you are ready. Hope that you are able to relax and enjoy the days ahead. You don't have to prove anything to anyone...you've made the best choices for your children.paydbx2025 #26 £890/£5000 . Mortgage start £148k June 23 - now £138k.
2025 savings challenge £0/£2000 EF £140. Savings 2 £30.00. 170 -
Well done on getting the work situation sorted W, it’s great that you have the option of going back too if it’s feasible at that point.
You’re definitely not a failure, I think it shows a great strength of character to try and then to admit something isn’t working (for now). It won’t be forever.Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £11,174, Car loan 2 £5,532, CC 0% BT £780. Debt Free Diary to try & keep spending in check.0
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