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

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  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
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    Morning, smalls in school :)

    LMW not at all :)

    Thank you for all the replies

    x
    “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
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    11/01/19
    Debt
    Council Tax [STRIKE]£375[/STRIKE] £337.50 (£37.50 paid)
    Rent arrears [STRIKE]£1545[/STRIKE] £1445 (£100 paid)
    Credit card [STRIKE]£150[/STRIKE] £97.60***

    [STRIKE]Total £2070[/STRIKE] £1880.10

    Bank balance £81.36*

    Food budget £15**

    Paid Council tax debt (£12.50)
    Paid rent (£150)
    Paid council tax (£25.60)
    Sent £8.75 to 'bill pot' Virgin & Phone Credit

    £40 cash out
    Paid TV license (£5.60)
    Topped up Gas £10
    Topped up Electric £10 (£5 left in budget)
    Paid water £11.40

    £3 in pound coins for snack.

    Need to fit in the budget
    DD's School tights £8
    DD1 School shoes £?

    *** CC- 49.9% interest along with the £12 over limit fee I keep getting and the £12 late fee is the one I need to think of a plan and chuck my efforts into.

    The CT and Rent don't have any extra interest/fees etc.

    Will need to top the electric up with the other £5 at some point but couldn't get it out the cash machine. Need to watch the gas and electric more as we ended up in the emergency on both this week :cool:
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Name Dropper First Anniversary First Post I've been Money Tipped!
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    Hi Wannabe,

    All going down lovely :)

    Have a great day xx
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
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    Thank you PMO2 x

    Time to set off to town I think, I think it takes me over 45 minutes to walk so should be perfect timing

    Have a lovely day

    Back later
    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • jwil
    jwil Posts: 19,100 Forumite
    First Anniversary Name Dropper Photogenic First Post
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    WannabeFree wrote: »
    I think was a bit worried Cherry I worry about everything :o Even the stupid things like have I locked the door/the window/have I turned it off/Did I do x or everything else. I feel like I have too many things up in the air and to worry about. Even stupid things like what will we eat/what will do/how will we do everything :rotfl: It sound's even more ridiculous now I can read it :o I've wrote lists and rewrote the lists with answers. I'm sure things will all settle down

    x

    I'm with you on that. Hope it settles down soon x
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,100 Forumite
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    Congrats to DD1 and hope your meeting goes well today xx
    "If you can dream it, you can do it". Walt Disney
  • abba1772
    abba1772 Posts: 7,746 Forumite
    First Anniversary Name Dropper First Post Car Insurance Carver!
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    Aww that's lovely about dd1 swimming lessons she'll be so pleased xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 5,975 Forumite
    Name Dropper First Anniversary First Post Debt-free and Proud!
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    Great news about the swimming lessons for DD1.

    Completely understand about the anxiety thing, I get myself in such a state about things and what might happen.
    Mortgage Jan 2023 9yrs 11mths £61,389 Mortgage overpayment £1867/£3600 Mortgage Jan 2022 11yrs 6mths £69.996 Mortgage overpayment £3132/£3600
  • charlies_tribe
    charlies_tribe Posts: 1,465 Forumite
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    Well done to DD1.

    Hope the meeting has gone well and the trip in to town wasn't too stressful x
    LBM in April 17 - £14998/£33554 (44.6%) paid. Mortgage@1 June 18 = £9935/£76350 paid.Total debt @june 18 £102311 now £84972GC Jan £40.99/£500 2021 declutter 85/2021 items 0/20 bags clothes
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    First Anniversary Name Dropper Photogenic First Post
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    11/01/19
    Debt
    Council Tax [STRIKE]£375[/STRIKE] £337.50 (£37.50 paid)
    Rent arrears [STRIKE]£1545[/STRIKE] £1445 (£100 paid)
    Credit card [STRIKE]£150[/STRIKE] £97.60***

    [STRIKE]Total £2070[/STRIKE] £1880.10

    Bank balance £62.21*

    Food budget £15** (£16.95 spent over budget on the first day :()

    Paid Council tax debt (£12.50)
    Paid rent (£150)
    Paid council tax (£25.60)
    Sent £8.75 to 'bill pot' Virgin & Phone Credit

    £40 cash out
    Paid TV license (£5.60)
    Topped up Gas £10
    Topped up Electric £10 (£5 left in budget)
    Paid water £11.40

    £3 in pound coins for snack.

    Need to fit in the budget
    DD's School tights £8
    DD1 School shoes £?

    *** CC- 49.9% interest along with the £12 over limit fee I keep getting and the £12 late fee is the one I need to think of a plan and chuck my efforts into.

    The CT and Rent don't have any extra interest/fees etc.

    Overbudget on the food budget on day 1 :( although we shouldn't need anything at all now until next Friday. £16.95 spent. Also spent £2.20 on coffee :o I had coffee before food shopping. If I'd do the food shop first I'd have skipped coffee to save the money :o
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
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