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

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  • WannabeFree
    WannabeFree Posts: 4,438
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    14/01/19
    Debt
    Council Tax [STRIKE]£375[/STRIKE] £300 (£75 paid)
    Rent arrears [STRIKE]£154[/STRIKE]5 £1320 (£225 paid)
    Credit card [STRIKE]£150[/STRIKE] £0***

    Total [STRIKE]£2070[/STRIKE] £1620

    Credit card gone :j

    My bank balance is all over the place now I've no idea where I'm at :o I need to wait for it to update properly. Because over £200 has gone out to the debts and some are pending twice and all sorts. Nationwide is the worst at doing maintenance.

    But the CC has gone, I have food, my bills are paid, the arrears are back on track. Good start to a new week.


    P.S if you sent me a Birthday card please can you PM me? I can't find you to thank you

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • SusieT
    SusieT Posts: 1,267
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    edited 14 January 2019 at 1:16PM
    14/01/19

    Credit card [STRIKE]£150[/STRIKE] £0***

    Total [STRIKE]£2070[/STRIKE] £1620

    Credit card gone :j



    But the CC has gone, I have food, my bills are paid, the arrears are back on track. Good start to a new week.

    :j:j:j:j:j Congratulations
    So when the statement arrives it will just be any residual interest, which with you reducing the balance should be around £5 (probably less) and no late fees, over limit fees or any other fees they can think of being added :D
    Credit card debt - NIL
    Home improvement secured loans 30,130/41,000 and 23,156/28,000 End 2027 and 2029
    Mortgage 64,513/100,000 End Nov 2035
    2022 all rolling into new mortgage + extra to finish house. 125,000 End 2036
  • WannabeFree
    WannabeFree Posts: 4,438
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    Plan now is

    14/01/19
    Debt now
    Council Tax £300
    Rent £1320

    Total £1620

    Budget now
    £125 to rent
    £12.50 to Council tax arrears
    £25.60 to this years council tax
    £10 Gas
    £15 Electric
    £11.40 Water
    £5.60 TV License
    £1.25 for phone credit (£5 a month)
    £7.50 for Virgin

    £3 Snack

    This leaves £30 and odd pence for food and everything else weekly

    £7.50 from Virgin finishes at the end of the month when it's cancelled will put the the first week in Feb to the CC interest on the 4th and a coffee on my birthday ;) Then it will be into the grocery and everything else budget.

    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
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    I feel so lucky to have received all the help I have, the advice, the listening to my moaning and there probably will be quite a lot more :o :rotfl:

    Thank you so much

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Wannabe, when's your birthday?
    Debt Totals July 2019::
    [STRIKE]£350 Natwest Credit Card [/STRIKE]/ ]Now £0 (paid off and closed 04/2017) £15,500 postgrad loan from parents/ Now £7,000 £5,000 sister loan/ Now £0[STRIKE]£500 train ticket loan from parents [/STRIKE]/ Now £0 (paid off 16/02/18)[STRIKE]£2,000 Overdraft[/STRIKE] Now £0 (paid off 09/03/18) £1,967.83 Barclays 0% card Now £0
    Total £7,000
  • WannabeFree
    WannabeFree Posts: 4,438
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    7th Feb is my birthday so before the smalls x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • teafor2
    teafor2 Posts: 3,322
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    Brilliant news about DD not crying this morning. It makes it much easier when you're leaving them not sobbing, even if they're not really happy about being in school.

    Also, excellent news about the CC being gone. _party_ :T £30+ per week is a lot better than the £5 you were having to live off. And hopefully that flipping DLA will get awarded again soon so that will help.

    At least you get all the birthdays out of the way having them all so close together. Have the smalls got their lists on the go already :) x
  • WannabeFree
    WannabeFree Posts: 4,438
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    teafor2 wrote: »
    Brilliant news about DD not crying this morning. It makes it much easier when you're leaving them not sobbing, even if they're not really happy about being in school.

    Also, excellent news about the CC being gone. _party_ :T £30+ per week is a lot better than the £5 you were having to live off. And hopefully that flipping DLA will get awarded again soon so that will help.

    At least you get all the birthdays out of the way having them all so close together. Have the smalls got their lists on the go already :) x

    I think the promise of cake after school helped :rotfl: But yes it does make it so much easier.

    I guess so teafor2, however all 3 in June probably would have worked better than 2 months after Xmas :rotfl: but yeah once they are done that's it until Xmas again ;)

    No lists :o I hope not anyway :rotfl: :o

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • I know the offer of cake always cheers me up :rotfl:
    Debt Totals July 2019::
    [STRIKE]£350 Natwest Credit Card [/STRIKE]/ ]Now £0 (paid off and closed 04/2017) £15,500 postgrad loan from parents/ Now £7,000 £5,000 sister loan/ Now £0[STRIKE]£500 train ticket loan from parents [/STRIKE]/ Now £0 (paid off 16/02/18)[STRIKE]£2,000 Overdraft[/STRIKE] Now £0 (paid off 09/03/18) £1,967.83 Barclays 0% card Now £0
    Total £7,000
  • teafor2
    teafor2 Posts: 3,322
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    I know the offer of cake always cheers me up :rotfl:

    Seconded :rotfl:
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