“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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    It really does make it easier, I expected DS to be a bit of a pain he doesn't like going back and last night had a 'broken' everything in the hope he could stay home :rotfl: But he got up at the first calling and was happy.

    I'm not sure what to do for dinner tonight. Something tasty DS requested :rotfl:
    “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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    January goals

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

    Money
    £80 Groceries - £22.60/£80

    Extra income


    Plans
    [STRIKE]6th - Sister Birthday[/STRIKE]
    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
    £3 Tupperware
    £6 Scales

    *Sent £226.14 to rent 05/01 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.
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Toni'sfriend
    Toni'sfriend Posts: 4,034 Forumite
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    Hello W
    Good news on the warm home rebate. Every little helps.
    I know you want to get the arrears down but so long as you can meet all your bills and agreements you're doing fine. And just look how much the arrears for council tax and rent have gone down already. Plus you've done all that decorating, bought some things to make the house more comfortable and had a lovely Christmas with the wee ones. Give yourself a massive pat on the back. xxx
    Have adventures. laugh a lot and always be kind.
  • beanielou
    beanielou Posts: 90,292 Ambassador
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    Great news on the wasrm home rebate.
    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.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    Really glad you got the warm home rebate and the liitle'uns went off to school happily. Things like that make such a difference :).
    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
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    I was shocked I'm eligible to be honest. Thank you to whoever told me to apply I can't remember and can't go back because the old diary is gone forever.

    But Thank you :A
    “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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    Well today say the Cheque clear along with the £100 from the referral to nationwide went into the bank. I should use this to the debt but for now I'm not :o

    I'm keeping it so I can pay the rent if needed while waiting for everything to be sorted. I was down to 27p in the bank :rotfl: So I don't want to send it to the council tax now then not be able to pay the rent.

    Unplanned 'morning off' this morning, youngest has respite in for 2 hours. That also came as a shock.

    I don't know what to do with myself once I've dropped the bigger two at school :cool:

    Dinner last night was diet coke chicken, savoury rice and broccoli tonight unsure yet.

    Hope you all have a good day x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 5,975 Forumite
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    Enjoy your morning of quiet time. xx
    Mortgage Jan 2023 9yrs 11mths £61,389 Mortgage overpayment £1867/£3600 Mortgage Jan 2022 11yrs 6mths £69.996 Mortgage overpayment £3132/£3600
  • UncannyScot
    UncannyScot Posts: 2,070 Forumite
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    Have a lovely day Wannabe :D
    Have some YOU time
    :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.
  • Matt_Jones
    Matt_Jones Posts: 20 Forumite
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    Great news about the rebate!
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