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

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Comments

  • UncannyScot
    UncannyScot Posts: 2,070 Forumite
    Sixth Anniversary 1,000 Posts Photogenic
    WannabeFree wrote: »
    Today is 8 months since coming back.

    My only real debt now is Council tax and Rent arrears. Still a big amount together but a lot better than when I started :o

    The new debt is now paid off. I wanted it gone before Xmas so I've just done it. We'll manage we have plenty of food ;)

    This is MOST excellent :j:j:j
    :T
    :A
    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.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    WannabeFree wrote: »
    Today is 8 months since coming back.

    My only real debt now is Council tax and Rent arrears. Still a big amount together but a lot better than when I started :o

    The new debt is now paid off. I wanted it gone before Xmas so I've just done it. We'll manage we have plenty of food ;)

    That's brilliant, well done :T.
    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
  • beanielou
    beanielou Posts: 96,073 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great result :)
    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.
  • Toni'sfriend
    Toni'sfriend Posts: 4,056 Forumite
    Eighth Anniversary 1,000 Posts
    Well done, W. You're getting there. xx
    Have adventures. laugh a lot and always be kind.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Well done lovely xx that's fantastic news :j
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Debt 09/05/2017 - Debt 09/01/18

    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]Paid (£732 paid)
    *Debt 1 [STRIKE]£387.29[/STRIKE] Paid (£387.29 paid)
    *Debt 2 [STRIKE]£1451.40[/STRIKE] Not mine Zero
    *Debt 3 £1137.73 Not Mine Zero
    *EDF [STRIKE]£3140.65[/STRIKE] Paid (£3140.65 paid)

    [STRIKE]Total £18154.06[/STRIKE]

    Total 5595 £12559.06 Paid

    *Rent Arrears are less than this but not sure how much will update next month.

    I feel like I've cheated on those numbers really, because EDF was paid off by a charity, Debt 2 & 3 have been investigated and I'm not liable and a relative helped to pay Stepdad back and made person 2 Zero.

    I want to clear the rent and council tax arrears as soon as possible I need to be realistic but push myself to make this quicker and not just ticking over. I do want to sort my bedroom out though. A want rather than a Need though :o
    “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: 24,229 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Really pleased to hear the good news about the warm front and the debt going down. It doesn't matter how it got paid, it's gone, along with a big weight off your mind.

    I think a comfortable bedroom for you is a need not a want - you need a retreat xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • UncannyScot
    UncannyScot Posts: 2,070 Forumite
    Sixth Anniversary 1,000 Posts Photogenic
    Sun_Addict wrote: »
    Really pleased to hear the good news about the warm front and the debt going down. It doesn't matter how it got paid, it's gone, along with a big weight off your mind.

    I think a comfortable bedroom for you is a need not a want - you need a retreat xx

    Totally agree Sun Addict :D
    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.
  • Chrystal
    Chrystal Posts: 2,005 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Sun_Addict wrote: »
    Really pleased to hear the good news about the warm front and the debt going down. It doesn't matter how it got paid, it's gone, along with a big weight off your mind.

    I think a comfortable bedroom for you is a need not a want - you need a retreat xx

    Exactly what I thought when I read it. :) X
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • Little_Two
    Little_Two Posts: 15 Forumite
    Good news Wannabe, I am sure it is a load off your mind! You are doing so well.
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