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  • FIRST POST
    • UncannyScot
    • By UncannyScot 21st Apr 17, 9:01 PM
    • 1,417Posts
    • 7,949Thanks
    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 68
    • Sun Addict
    • By Sun Addict 25th Feb 18, 1:11 PM
    • 5,740 Posts
    • 37,558 Thanks
    Sun Addict
    Whispers - what's the Calcutta Cup? I don't do sporting events. Glad you enjoyed yourself anyway
    Virtual Sealed Pot 2018 £250.33
    Debt £2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund £2000/£10,000
    • Toni'sfriend
    • By Toni'sfriend 25th Feb 18, 1:18 PM
    • 1,246 Posts
    • 12,133 Thanks
    Toni'sfriend
    Wish I'd been in Edinburgh yesterday. Must have been a fantastic atmosphere!
    • UncannyScot
    • By UncannyScot 25th Feb 18, 2:47 PM
    • 1,417 Posts
    • 7,949 Thanks
    UncannyScot
    Whispers - what's the Calcutta Cup? I don't do sporting events. Glad you enjoyed yourself anyway
    Originally posted by Sun Addict
    Rugby 6 Nations.
    The Calcutta Cup is played for between Scotland and England and Scotland has just won it back after ten years. 25 - 13
    I'm sure the Princess Royal when she was presenting the cup said not to lose it for another ten years

    Unfortunately, we weren't in Edinburgh for the game... actually no, it's fortunate we weren't, as we may well have ended up still there was difficult enough getting everyone ferried home from the local
    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 26th Feb 18, 9:31 AM
    • 1,417 Posts
    • 7,949 Thanks
    UncannyScot
    Morning Folks

    Monday and a new week. Back to some sort of normality, I hope

    Still busy, though not as chaotic as it has been.

    Anyhoo, must dash as I have another meeting to attend...

    Have 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.
    • WannabeFree
    • By WannabeFree 26th Feb 18, 2:11 PM
    • 1,536 Posts
    • 13,282 Thanks
    WannabeFree
    Happy Monday US

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Sun Addict
    • By Sun Addict 27th Feb 18, 8:57 PM
    • 5,740 Posts
    • 37,558 Thanks
    Sun Addict
    Thanks for clarification US, there's me thinking it had something to do with cricket

    Hope your week is going well so far.
    Virtual Sealed Pot 2018 £250.33
    Debt £2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund £2000/£10,000
    • WannabeFree
    • By WannabeFree 28th Feb 18, 10:10 AM
    • 1,536 Posts
    • 13,282 Thanks
    WannabeFree
    Hope you're okay

    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 right way.”
    • Purplemumof2
    • By Purplemumof2 28th Feb 18, 10:46 AM
    • 6,071 Posts
    • 22,305 Thanks
    Purplemumof2
    Morning Uncanny,

    Hope you've not been snowed in? x
    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
    • UncannyScot
    • By UncannyScot 28th Feb 18, 9:53 PM
    • 1,417 Posts
    • 7,949 Thanks
    UncannyScot
    Evening Folks

    Mineself and the wee furry one are OK.
    Extremely busy with work and helping my wee mammy out

    It's pretty grim North o the Wall with a RED weather warning regarding the snow...
    The bairns will STILL be oot sledgin, having mahoosive snawbaw fights and building snowmen and snowforts etc though

    Seriously though folks, stay safe in these extreme conditions.

    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 1st Mar 18, 10:00 AM
    • 1,536 Posts
    • 13,282 Thanks
    WannabeFree
    Love you're snow pics!

    Have a good day and stay safe too

    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 1st Mar 18, 6:57 PM
    • 1,417 Posts
    • 7,949 Thanks
    UncannyScot
    Evening Folks

    Me and the pup are settling in for the night now.

    Had an expedition for the wee mammy for a few messages, as she had a nasty fall during winter a few years back, I said I would get her whatever she needs and not to venture out until this all clears away..
    So, I made the trip over to hers' with some much needed things from AL Dees... she was really glad of my dropping in with them but I got the usual lecture of being careful cos it's wild oot there and to mind and phone her that I got home ok cos she'd worry about me on they roads etc...
    Of course I did just that as soon as I got home

    Please take care folks and only make absolutely essential trips and check on your elderly neighbours to make sure they're ok too
    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 1st Mar 18, 8:38 PM
    • 5,740 Posts
    • 37,558 Thanks
    Sun Addict
    Glad you're ok and looking after your wee mammy Great weather for kids though. Stay safe and warm
    Virtual Sealed Pot 2018 £250.33
    Debt £2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund £2000/£10,000
    • UncannyScot
    • By UncannyScot 5th Mar 18, 9:44 AM
    • 1,417 Posts
    • 7,949 Thanks
    UncannyScot
    Morning Folks

    Been mega busy with helping the wee mammy.

    Hoping to catch up with things this week as things have went a wee bit skew wiff on the home management front...

    Have a lovely day folks and stay safe
    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.
    • Toni'sfriend
    • By Toni'sfriend 5th Mar 18, 9:51 AM
    • 1,246 Posts
    • 12,133 Thanks
    Toni'sfriend
    Glad your Wee Mammy is OK. I was banned from going out as well. Seems to be starting to melt now.
    • UncannyScot
    • By UncannyScot 6th Mar 18, 8:58 AM
    • 1,417 Posts
    • 7,949 Thanks
    UncannyScot
    Morning Folks

    More snow falling heavily here North o the Wall...

    Have begun the process of adopting the wee furrybum, awaiting details / paperwork from rescue

    Everyone have a lovely day and keep safe n warm
    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 6th Mar 18, 9:22 AM
    • 6,071 Posts
    • 22,305 Thanks
    Purplemumof2
    Morning hun,

    Hope the snow clears quickly for you, it must be getting rather tedious now.

    Hope your mum hasn't ventured out?

    Yay to adopting Lacey, she's certainly made her mark and I love the photo's of her.

    Stay safe and stay warm 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 6th Mar 18, 10:22 AM
    • 54,069 Posts
    • 214,357 Thanks
    beanielou
    More snow here too
    So bored of it now.
    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 7th Mar 18, 8:42 AM
    • 1,417 Posts
    • 7,949 Thanks
    UncannyScot
    Morning Folks

    Happy hump day!

    Busy again, it never ends eh?

    Hope everyone is ok and has a great day today... Will try and get on this evening if I can
    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 8th Mar 18, 12:56 PM
    • 1,417 Posts
    • 7,949 Thanks
    UncannyScot
    Afternoon folks

    Between work and my wee mammy and stuff needing done at home I just don't seem to be catching a breath at the moment. Even this weekend I am going to be busy working on stuff...

    Hopefully, all the work that my wee mam needs doing will be completed this weekend. Then I can blitzkreig clean my house as it sorely needs it...

    Really needing a break to recharge a bit. It sounds like I am moaning now doesn't it? Well that's enough o that

    The stuff I'm doing for mam needed doing, work is a busy as usual and I just need to find my balance / mojo again.

    This evening I shall be relaxing with my wee dug and have a couple of brews with my feet up

    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.
    • WannabeFree
    • By WannabeFree 8th Mar 18, 1:05 PM
    • 1,536 Posts
    • 13,282 Thanks
    WannabeFree
    Make sure you do find time to look after you too

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
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