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  • FIRST POST
    • UncannyScot
    • By UncannyScot 21st Apr 17, 9:01 PM
    • 1,417Posts
    • 7,943Thanks
    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 65
    • UncannyScot
    • By UncannyScot 6th Feb 18, 7:53 AM
    • 1,417 Posts
    • 7,943 Thanks
    UncannyScot
    Morning Folks

    Thanks for popping in

    Today should be another NSD (lunch is prepped as is my dinner for tonight)
    Another busy day ahead, couple of meetings and some project planning to do...

    The wee hairy one gave me a bit of a fright this morning. She went chasing something and leapt over a wall without knowing the drop on other side (about 6 or 7 feet )
    Thankfully, she was fine and she will be on lead when walking that particular path in future.
    Absolutely, no fear in that one... when I got her back she was looking at me as if, "I won!"
    Think it was a Fox she went after...

    Hope everyone has a grand day 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.
    • beanielou
    • By beanielou 6th Feb 18, 10:53 AM
    • 54,024 Posts
    • 214,081 Thanks
    beanielou
    You got snow?
    Some here.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • WannabeFree
    • By WannabeFree 6th Feb 18, 11:42 AM
    • 1,534 Posts
    • 13,246 Thanks
    WannabeFree
    I think it'd have given me a fright too!

    Have a lovely day

    Be happy


    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 6th Feb 18, 12:05 PM
    • 1,417 Posts
    • 7,943 Thanks
    UncannyScot
    Snow? Yep, a wee dusting of it but there's plenty on the hills around us.

    Thinking Happy and being Happy WannabeFree
    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 6th Feb 18, 12:07 PM
    • 1,534 Posts
    • 13,246 Thanks
    WannabeFree
    Missed my morning text

    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 6th Feb 18, 12:15 PM
    • 1,417 Posts
    • 7,943 Thanks
    UncannyScot
    Sorry missus, was in a meeting
    Have a lovely day
    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 7th Feb 18, 3:41 PM
    • 1,417 Posts
    • 7,943 Thanks
    UncannyScot
    Afternoon Folks

    Busy day, wow!

    Have received my refund from Fleabay YAY

    Have also noticed that the lost threads are coming back
    Great work Forum Team, keep at it...

    Be back laters this evening... TTFN
    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.
    • Lilith1980
    • By Lilith1980 8th Feb 18, 5:36 AM
    • 1,791 Posts
    • 5,087 Thanks
    Lilith1980
    Great news about fleabay!

    I'm not someone whose diary was deleted but it must be a relief for those who had started one, to at least get those records back even if they don't want to continue with it.
    My debt-free diary
    • WannabeFree
    • By WannabeFree 8th Feb 18, 10:45 AM
    • 1,534 Posts
    • 13,246 Thanks
    WannabeFree
    Have a lovely day US

    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 9th Feb 18, 2:52 PM
    • 1,417 Posts
    • 7,943 Thanks
    UncannyScot
    Afternoon Folks

    Just had to update my Log in details for the forum after getting a message that they had expired when trying to post... Anyone else had that?

    Anyhoo, busy day and looking forward to getting away soon.

    Update tonight when I get in.

    Have a grand day 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.
    • Purplemumof2
    • By Purplemumof2 9th Feb 18, 3:07 PM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Just had to update my Log in details for the forum after getting a message that they had expired when trying to post... Anyone else had that?
    Originally posted by UncannyScot
    Yep, I don't think users are happy about it, judging by the post on the Site Feedback thread. I just changed mine to the one I'm using anyway.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6350.00 Cap 1: £407.72 BC: £6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD £5970.32/£7000
    Savings for Christmas £161.42/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • beanielou
    • By beanielou 9th Feb 18, 3:45 PM
    • 54,024 Posts
    • 214,081 Thanks
    beanielou
    Yes, I have had to change mine too.
    No big deal.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • RosaBernicia
    • By RosaBernicia 9th Feb 18, 6:40 PM
    • 3,475 Posts
    • 9,235 Thanks
    RosaBernicia
    Me too, but I wasn't surprised since it told me I hadn't changed my password in something like 1600 days. The only thing that's worse at reminding me to change is my employer!


    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Feb 18, 6:53 PM
    • 4,142 Posts
    • 28,160 Thanks
    HairyHandofDartmoor
    I had that message too, it looks like everyone did. Trying to imprive security I guess.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    Emergency Fund 1 = £560.59/Emergency Fund 2 = £0.21/Loss of Income Fund £0
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Feb 18, 7:04 PM
    • 4,142 Posts
    • 28,160 Thanks
    HairyHandofDartmoor
    https://flic.kr/s/aHsks1AaqD


    Photos of the Wee Furbaby
    Originally posted by UncannyScot
    Just catching up . Lacey looks lovely, I like her markings. She's found a very good home with you .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    Emergency Fund 1 = £560.59/Emergency Fund 2 = £0.21/Loss of Income Fund £0
    • WannabeFree
    • By WannabeFree 9th Feb 18, 7:09 PM
    • 1,534 Posts
    • 13,246 Thanks
    WannabeFree
    Hope you've had a good day

    Thank you again for this morning

    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 10th Feb 18, 10:30 AM
    • 1,417 Posts
    • 7,943 Thanks
    UncannyScot
    Morning Folks

    Was up an at em for before 8 this morning, no lie ins in this house anymore

    A few wee messages to attend to before heading off on an adventure with the furry one...

    Hope everyone has a grand day
    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 10th Feb 18, 10:51 AM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Have a lovely day xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6350.00 Cap 1: £407.72 BC: £6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD £5970.32/£7000
    Savings for Christmas £161.42/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • beanielou
    • By beanielou 10th Feb 18, 2:39 PM
    • 54,024 Posts
    • 214,081 Thanks
    beanielou
    Enjoy your day.
    Nice & sunny here
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • UncannyScot
    • By UncannyScot 10th Feb 18, 6:29 PM
    • 1,417 Posts
    • 7,943 Thanks
    UncannyScot
    Had a good day despite the weather.
    The weather was OK on the way there but the sunshine disappeared not long after we arrived at our destination in Kilmartin Glen and I had to keep her ladyship on lead as the ships were in amongst the stones.
    Managed to get a great photo of the central stone once she sat still (for all of two seconds) and we were heading for the Temple Wood stones when it chucked it down with hail. The wee furry did not like that and pulled like hell for to get back to the shelter of the car... so as the hail turned to heavy rain we called it a day and headed for home.
    Will defo head back up there when it is high summer and spend an entire day exploring; that entire area is awash with very ancient monuments, stone circles, chambered cairns, hill forts n everything.
    Apart from fuel it was a cheap day out as we took snacks n drinks with us.
    Hope everyone else has had a grand day

    PS will upload pictures when I get a chance as furrybum here is insisting on going for a walk (again...)
    Last edited by UncannyScot; 10-02-2018 at 6:32 PM. Reason: the dug
    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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