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  • FIRST POST
    • UncannyScot
    • By UncannyScot 21st Apr 17, 9:01 PM
    • 1,456Posts
    • 8,191Thanks
    UncannyScot
    Rambling on...
    • #1
    • 21st Apr 17, 9:01 PM
    Rambling on... 21st Apr 17 at 9:01 PM
    Where do I begin? This is hard...
    OK, I'll begin with my SOA:

    Household Info
    Number of adults - 1
    Number of children - 0 (they are with their Mum)
    Number of cars - 0

    Monthly Income
    After tax - 2104
    Benefits - 0
    Other Income - 0
    Total Monthly Income - 2104

    Monthly Expenses
    Rent - 295
    Council Tax - 80
    Elec - 30
    Gas - 30
    Home Phone/TV and Broadband - 45
    Mobile - 12
    TV Licence - 13
    Shopping - 170
    Clothes/Shoes - 30
    Childcare/nursery - 500
    Other Child related expenses - 500
    Haircuts/Shaving - 10
    Entertainment - 20
    Emergency Fund - 15
    Total - 1750

    Assets

    Cash - 0
    House value - 0 (N/A)
    Shares/Bonds - 0 (N/A)
    Car - 0
    Other Assets - 0
    Total - 0

    Secured/HP Debt
    Mortgage - 38500
    Secured Debt - 19500
    Total - 58000

    UnSecured Debts
    Loans/Short Term/Payday - 6060
    Credit Cards - 1450
    Old Mobile Account - 330
    Total - 7840

    Monthly Budget Summary
    Total Income - 2104
    Expenses - 1750
    Available for debt repayments - 354

    Personal Balance Sheet Summary
    Total Assets - 0
    Total Secured Debt; -58000
    Total Unsecured Debt; -7840
    Net Assets; -65840
    there may be a few wee errors here as I had to type it all out as it wouldn't let me paste it in...

    As you can see, it's BAD... How did it get so bad?
    When I left home and got my home of me own I thought I was doing great. Single lad, I had a good job, good income, social life etc.
    I had the mortgage with the bank, credit card with the bank, then a loan for my first car...then other loans... and so it began to build up.
    After a while I managed to clear the loans and the cards and was able to keep myself in the black.
    Eventually, I met a nice lassie, we got married, had kids and started to build up debts again... Loans for holidays, cars, furniture etc. Used Credit cards and the bank overdraft for emergencies... we thought we were doing alright.

    I rented out my old pad, the rent covered the mortgage.
    Then out of the blue I lost my job...
    I lost the the old place cos my tenant moved out, got married and set up on her own. I couldn't get another tenant who stayed long enough and paid the rent to keep it going... I lost it... repossessed.

    My marriage fell apart, I left my family and the family home... had a total meltdown/breakdown.
    I ended up homeless, going from friend to friend, whoever would put me up for a bit, let me have somewhere to sleep.
    This went on for a few years, until I was fortunate enough to land another job. The friend I was staying with encouraged me to apply for a flat with the local council and eventually I got one.

    I began to get back on my feet again, furnishing my wee place with second-hand furniture and other basic household items from the local charity shops. I don't have anything much (the old laptop I'm using is held together with duct tape and is veerrrryyyy sllloooooow...).

    Now, i am being chased for my debts, it's time to face up to the mess that I have made of my life and wipe out the debt and become and stay debt free....
    Last edited by UncannyScot; 21-04-2017 at 9:04 PM.
Page 60
    • redofromstart
    • By redofromstart 13th Jan 18, 2:27 PM
    • 1,761 Posts
    • 10,595 Thanks
    redofromstart
    So pleased for you, and for Lacey too.
    • Sun Addict
    • By Sun Addict 13th Jan 18, 3:35 PM
    • 5,828 Posts
    • 38,449 Thanks
    Sun Addict
    Brilliant news
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • UncannyScot
    • By UncannyScot 13th Jan 18, 5:32 PM
    • 1,456 Posts
    • 8,191 Thanks
    UncannyScot
    Thanks everyone

    My bestie and his lovely missus are both over the moon too and he's hoping that he can persuade her to foster adopt as well... fingers crossed.

    Thankfully, I will receive a "foster pack" of bed, bedding, collar, lead, food, toys and free Vet care for the period of Foster. When I actually adopt, I keep everything except the free vet care (registering with local practice who are supporters of the charity ) all dogs are neutered / spayed for free via a deal between the vets and the charity.

    I am absolutely delighted that I will have a wee furry pal soon
    Apparently, she loves to sneak into bed wi folk
    Wee furry hot water bottle then
    She will be spoiled lol
    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.
    • UncannyScot
    • By UncannyScot 13th Jan 18, 5:53 PM
    • 1,456 Posts
    • 8,191 Thanks
    UncannyScot
    https://www.instagram.com/p/BXbg90kD4O-/?taken-by=underheugh_ark&hl=en

    This is a link to the lovely wee girl herself
    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.
    • Sun Addict
    • By Sun Addict 13th Jan 18, 9:02 PM
    • 5,828 Posts
    • 38,449 Thanks
    Sun Addict
    She looks lovely US. I call my dog a hot dog bottle as she loves to cuddle up in bed. Some people won't let their dogs upstairs let alone in or on their beds - not me
    So pleased for you - and the dog of course - what a happy ending
    Virtual Sealed Pot 2018 £296.07
    Debt £2400
    June 4 NSDs 4 AFDs
    Weight loss 0.5/6LBS
    Emergency Fund £2000/£10,000
    • UncannyScot
    • By UncannyScot 13th Jan 18, 9:15 PM
    • 1,456 Posts
    • 8,191 Thanks
    UncannyScot
    I've never seen any of my pets as just pets, they're family wi fur never had a problem with them sharing the sofa or the bed
    Love - "Hot Dog Bottle"

    I'm going to Pets at Home tomorrow, just for a wee look at some thing's for her
    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.
    • Purplemumof2
    • By Purplemumof2 13th Jan 18, 9:19 PM
    • 6,151 Posts
    • 22,621 Thanks
    Purplemumof2
    https://www.instagram.com/p/BXbg90kD4O-/?taken-by=underheugh_ark&hl=en

    This is a link to the lovely wee girl herself
    Originally posted by UncannyScot
    She's gorgeous. I'm sure you'll have loads of lovely walks with her. I have a feeling she's going to be very spoilt xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6200.00 Cap 1: £395.80 BC: £6841.81
    AFD xxx LTW 6/16
    POAMAYC 2018 #041 PD £6288.87/£7000
    Savings for Christmas £191.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Eager_Elephant
    • By Eager_Elephant 14th Jan 18, 8:49 AM
    • 4,403 Posts
    • 25,198 Thanks
    Eager_Elephant
    AAHH she looks adorable - I love the smile!!!

    I can tell you are going to have a lot of fun with her
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Toni'sfriend
    • By Toni'sfriend 14th Jan 18, 10:30 AM
    • 1,292 Posts
    • 12,596 Thanks
    Toni'sfriend
    Aw, she's gorgeous. Lots of good times coming up with her.
    • FiscalPickle
    • By FiscalPickle 14th Jan 18, 11:06 AM
    • 114 Posts
    • 284 Thanks
    FiscalPickle
    What a gorgeous, smily girl. Knew you'd fall in love! I agree, pets are family with fur. I've sat on the floor before now if all of the sofa is taken up by cats
    DFD - 26/10/19
    In the process of shedding £20k and 35lbs
    • Seasidegal58
    • By Seasidegal58 14th Jan 18, 11:07 AM
    • 1,980 Posts
    • 12,224 Thanks
    Seasidegal58
    She looks adorable!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 20/05/2018: £646.59
    MONTHS TO RETIREMENT: 35!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • UncannyScot
    • By UncannyScot 14th Jan 18, 4:19 PM
    • 1,456 Posts
    • 8,191 Thanks
    UncannyScot
    Really annoyed at threads being auto deleted because of BAD design...

    If something like that was to happen in any other industry the engineers / developers / designers would be dismissed.

    Been looking at ways of having a back up of the dairy in case of such a loss... think it may be a simple enough thing to do... consulting with nerd hive-mind atm
    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.
    • WannabeFree
    • By WannabeFree 14th Jan 18, 4:22 PM
    • 1,587 Posts
    • 13,944 Thanks
    WannabeFree
    You'll just have to put up with daily text updates instead

    Discount stores (Home bargains/quality save or similar) have a lot of doggy things in and where I tend to waste spend too much money on doggy treats/toys and beds x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • UncannyScot
    • By UncannyScot 14th Jan 18, 4:32 PM
    • 1,456 Posts
    • 8,191 Thanks
    UncannyScot
    Money spent on your dog is never a waste, it's an investment

    I'm already looking at getting things and she's not even here yet. Harness, collar, lead, toys, collapsible drinking bowl, treats etc.

    I think I may have found an easy way to save things in future, just waiting on a few details from the hive-mind... We will find some way of preserving diary data...
    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.
    • WannabeFree
    • By WannabeFree 14th Jan 18, 4:39 PM
    • 1,587 Posts
    • 13,944 Thanks
    WannabeFree
    I might find somewhere else to ramble. I just like here being more anonymous. Although if I blog I can at least post pictures
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • UncannyScot
    • By UncannyScot 14th Jan 18, 4:44 PM
    • 1,456 Posts
    • 8,191 Thanks
    UncannyScot
    Right, looks like it is possible to create a back-up, of sorts...

    I'll give the recommended advice a try first and see if it works though
    If it looks like it does then I'll get back to you ok?

    Will PM you details
    Last edited by UncannyScot; 14-01-2018 at 4:45 PM. Reason: Brain fart, as usual
    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.
    • UncannyScot
    • By UncannyScot 14th Jan 18, 10:20 PM
    • 1,456 Posts
    • 8,191 Thanks
    UncannyScot
    Blimey, been a busy wee day today eh?

    Weather up here north o the wall is, as my wee mammy would say, "Hellish"...

    I am now kicking back, having a well earned brew and will soon be off to bed.

    This time next week... I probably be oot wi the dug before bed

    Hope you've all had good days today
    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.
    • WannabeFree
    • By WannabeFree 14th Jan 18, 10:42 PM
    • 1,587 Posts
    • 13,944 Thanks
    WannabeFree
    Oh its starting pouring down here! and the wind is def picking up.

    Thank you for all your help today x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • UncannyScot
    • By UncannyScot 14th Jan 18, 11:11 PM
    • 1,456 Posts
    • 8,191 Thanks
    UncannyScot
    You are welcome lovely, as always
    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.
    • UncannyScot
    • By UncannyScot 15th Jan 18, 8:10 AM
    • 1,456 Posts
    • 8,191 Thanks
    UncannyScot
    Morning Folks

    Monday again, where did the weekend go?

    Another busy day ahead.

    Have a good one folks.

    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.
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