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  • FIRST POST
    • UncannyScot
    • By UncannyScot 21st Apr 17, 9:01 PM
    • 1,417Posts
    • 7,945Thanks
    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 69
    • UncannyScot
    • By UncannyScot 8th Mar 18, 1:15 PM
    • 1,417 Posts
    • 7,945 Thanks
    UncannyScot
    Make sure you do find time to look after you too

    x
    Originally posted by WannabeFree
    Thanks missus

    ... and you too X (((((HUGS)))))
    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 9th Mar 18, 12:21 PM
    • 1,417 Posts
    • 7,945 Thanks
    UncannyScot
    TFI Friday YAY!

    Coming to the end of another week and the weekend is in sight...

    Have work to do for the wee mammy tomorrow, which hopefully won't take me too long.

    Planning to work through my income / expenditure worksheets to see what further cuts may be made.

    Also have a de-clutter project on the go; clothes and things that are no longer used for the chazza.

    Anyhoo, back to what I'm supposed to be doing

    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 10th Mar 18, 7:39 AM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Morning Uncanny,

    Hope you manage to get some down time this weekend.

    You're a great son, hope your mam is ok?

    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
    • Sun Addict
    • By Sun Addict 10th Mar 18, 7:52 AM
    • 5,732 Posts
    • 37,504 Thanks
    Sun Addict
    Make sure you get at least a couple of hours to put your feet up this weekend, you can't run on empty.

    Get well wishes to your wee mammy.

    Have a great weekend
    Virtual Sealed Pot 2018 250.33
    Debt 2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund 2000/10,000
    • UncannyScot
    • By UncannyScot 12th Mar 18, 8:07 AM
    • 1,417 Posts
    • 7,945 Thanks
    UncannyScot
    Morning Folks

    Busy weekend done... I managed to get my feet up and rest yesterday, total lazy Sunday just me and the pup...

    Start of another week and I'm feeling a bit better prepared for it now.

    Hope everyone had a good weekend and has a great 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.
    • doingitanyway
    • By doingitanyway 12th Mar 18, 10:18 AM
    • 3,033 Posts
    • 15,030 Thanks
    doingitanyway
    Take care of yourself this week
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Purplemumof2
    • By Purplemumof2 12th Mar 18, 11:26 AM
    • 6,070 Posts
    • 22,304 Thanks
    Purplemumof2
    Morning hun,

    Glad you managed some down time yesterday.

    Have a great day and don't work too hard 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 14th Mar 18, 8:12 AM
    • 1,417 Posts
    • 7,945 Thanks
    UncannyScot
    Morning Folks

    Woke up this morning to the sad news of the passing of Stephen Hawking. The man was and is a true inspiration and example of triumph over adversity.

    Yet another busy day ahead, much to do as usual. Really trying hard to re-establish the usual routines back into my days after the recent upheaval of work, weather and caring for mammy (who thankfully is getting back to her usual chirpy self).

    Apologies to all for the drop in posts and lack of much input over the past wee while. Hoping to get back into the swing of things again.

    Anyhoo, onwards and upwards

    I have a coffee and a new day begins

    Have a great 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.
    • UncannyScot
    • By UncannyScot 14th Mar 18, 12:35 PM
    • 1,417 Posts
    • 7,945 Thanks
    UncannyScot
    Cast choices for new SirTP TV Series "The Watch"
    A wee bit o fun ;D

    Myself and my team are having a wee discussion (occasional arguments) about who could possibly play who in the proposed series of The watch...

    So far the contenders are;

    Commander Sam Vimes - Sean Pertwee, Sean Bean, Hugh Laurie, James Nesbitt...

    Sgt Fred Colon - Bill Bailey, Nick Frost, Peter Kay...

    Cpl Nobby Nobbs - ???

    Carrot - ???

    Angua - Ingrid Bolso Berdal

    Lady Sybil - Miranda Hart

    We've gotten this far and I've had to throw them out the department for lunch now

    I know we have a fair number of SirTP fans on here so, any suggestions to throw in here ???

    Last edited by UncannyScot; 14-03-2018 at 1:54 PM.
    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.
    • redofromstart
    • By redofromstart 14th Mar 18, 1:05 PM
    • 1,679 Posts
    • 10,085 Thanks
    redofromstart
    NO!, whatever they do it will not match the images in my head.

    Meh!

    and, Wah! Mine!
    • UncannyScot
    • By UncannyScot 14th Mar 18, 1:35 PM
    • 1,417 Posts
    • 7,945 Thanks
    UncannyScot
    NO!, whatever they do it will not match the images in my head.

    Meh!

    and, Wah! Mine!
    Originally posted by redofromstart
    I knew you would respond

    It is really difficult to cast something like this as everyone has their own idea as to what the character looks like... for example I would love to see Sean Pertwee as Vimes as he has both the soft hearted aspects of Sam's character as well as the hard as nails streetwise side. One of my colleagues also suggested him as Wilikins ( Sam's / Sybil's butler).

    The only character we all agreed on that really looked the part was the lovely Ingrid Bolso Berdal as Angua (we have two lassies in our department btw who also agreed that she was spot on )

    We are still at a loss for Nobby and Carrot We are trying to stick with known British actors...
    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 Mar 18, 3:17 PM
    • 1,417 Posts
    • 7,945 Thanks
    UncannyScot
    Another unanimous decision... David Jason should never be allowed anywhere near a Discworld adaptation ever again...
    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.
    • redofromstart
    • By redofromstart 14th Mar 18, 3:36 PM
    • 1,679 Posts
    • 10,085 Thanks
    redofromstart
    Absolutely agree with that!
    • UncannyScot
    • By UncannyScot 15th Mar 18, 8:10 AM
    • 1,417 Posts
    • 7,945 Thanks
    UncannyScot
    There has been a list on L-Space (SirTP fansite) of proposed casting for various characters that has evolved (or rather devolved) over the years... some of the proposals are VERY wtf?

    The discussions (ok arguments) are still ongoing atm the hot topic is who is the best Vetinari... Jeremy Irons or Charles Dance? Irons has the look, Dance has the character etc.

    This is going to be an ongoing and interesting topic for a while here I think and will significantly heat up when the actual casting choices are announced.

    Incidentally, Good Omens? Oh, how much am I looking forward to this hitting the screen
    With Neil Gaiman being firmly in control of it (at SirTP's behest) and the cast involved, it should be a mahoosive success...

    Anyhoo, work beckons... another Coffee and lets get in about it eh?

    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.
    • doingitanyway
    • By doingitanyway 15th Mar 18, 8:41 AM
    • 3,033 Posts
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    doingitanyway
    Have a good day
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • UncannyScot
    • By UncannyScot 16th Mar 18, 7:53 AM
    • 1,417 Posts
    • 7,945 Thanks
    UncannyScot
    YAY Friday

    The weekend is almost here...

    Have a grand day everyone
    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 16th Mar 18, 8:53 AM
    • 54,034 Posts
    • 214,130 Thanks
    beanielou
    Happy Friday
    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 16th Mar 18, 11:28 AM
    • 1,417 Posts
    • 7,945 Thanks
    UncannyScot
    Quick Update...

    Wee furrybum now OFFICIALLY adopted
    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.
    • RosaBernicia
    • By RosaBernicia 16th Mar 18, 6:02 PM
    • 3,475 Posts
    • 9,235 Thanks
    RosaBernicia
    Quick Update...

    Wee furrybum now OFFICIALLY adopted
    Originally posted by UncannyScot
    Yay!

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


    • doingitanyway
    • By doingitanyway 16th Mar 18, 6:58 PM
    • 3,033 Posts
    • 15,030 Thanks
    doingitanyway
    Aww. A happy adoption. Lucky dog and lucky you too
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
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