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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 3,373Posts
    • 31,365Thanks
    WannabeFree
    ôRock bottom became the solid foundation on which I rebuilt my life.ö
    • #1
    • 21st Nov 17, 11:04 AM
    ôRock bottom became the solid foundation on which I rebuilt my life.ö 21st Nov 17 at 11:04 AM
    Back in May this year I decided things had to change. I turned to here and received an amazing amount of help and advice. Here I am making a fresh start.

    Debt 09/05/2017

    Council Tax ú2092.71
    Court Fine ú1250
    Court Fine ú200
    Person 1 ú1000
    Person 2 ú1000
    Person 3 ú1379
    Person 4 ú427
    Debt Total ú7348.71

    Rent Arrears ú3381.28

    Total ú10729.99

    *Person 4 ú575
    *New Debt ú732
    *Debt 1 ú387.29
    *Debt 2 ú1451.40
    *Debt 3 ú1137.73
    *EDF ú3140.65

    Total ú18154.06

    *As more comes out from under the carpet I will update here.
    Last edited by WannabeFree; 21-11-2017 at 12:21 PM.
Page 168
    • beanielou
    • By beanielou 12th Jan 19, 9:29 PM
    • 61,839 Posts
    • 265,089 Thanks
    beanielou
    So pleased that the CC is going down
    You are a star x
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Busy Mee1
    • By Busy Mee1 12th Jan 19, 9:40 PM
    • 850 Posts
    • 4,299 Thanks
    Busy Mee1
    Wow that is brilliant. Great news that it is going down
    • teafor2
    • By teafor2 12th Jan 19, 9:46 PM
    • 1,133 Posts
    • 8,250 Thanks
    teafor2
    It's like a magic trick - it's disappearing before our eyes Looks like it's going to be gone sooner than you thought it would be. x
    • Sun Addict
    • By Sun Addict 12th Jan 19, 9:56 PM
    • 6,872 Posts
    • 49,455 Thanks
    Sun Addict
    Very impressive Wannabe Just shows chipping away at it works. Well done
    Virtual Sealed Pot 2019 ú164.81
    Weight loss 6/9LBS
    Emergency Fund ú3260/ú10,000
    • WannabeFree
    • By WannabeFree 12th Jan 19, 10:15 PM
    • 3,373 Posts
    • 31,365 Thanks
    WannabeFree
    Thank you

    It will be such a relief once it's gone. Even though things are so tight the CC is still my biggest worry which probably sounds stupid

    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.ö

    POAMAYC 19 #70 ú1561/ú2070
    • beanielou
    • By beanielou 12th Jan 19, 10:29 PM
    • 61,839 Posts
    • 265,089 Thanks
    beanielou
    Thank you

    It will be such a relief once it's gone. Even though things are so tight the CC is still my biggest worry which probably sounds stupid

    x
    Originally posted by WannabeFree
    No, it certainly does not seem stupid at all.
    Get rid of that & then the council tax next.
    Things will get better x
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • WannabeFree
    • By WannabeFree 12th Jan 19, 10:46 PM
    • 3,373 Posts
    • 31,365 Thanks
    WannabeFree
    Thank you Beanie

    I really appreciate all the support

    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.ö

    POAMAYC 19 #70 ú1561/ú2070
    • beanielou
    • By beanielou 12th Jan 19, 10:51 PM
    • 61,839 Posts
    • 265,089 Thanks
    beanielou
    Is this the second week of you having to pay the extra 25 quid for the council tax?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • WannabeFree
    • By WannabeFree 12th Jan 19, 10:58 PM
    • 3,373 Posts
    • 31,365 Thanks
    WannabeFree
    The extra ú25 is to the rent and yeah this is the 2nd week

    Currently paying

    ú150 to rent (Goes back to ú125 when I've caught up the 6 weeks)
    ú12.50 to Council tax arrears

    ú25.60 to this years council tax
    ú10 Gas
    ú15 Electric
    ú11.40 Water
    ú5.60 TV License
    ú1.25 for phone credit (ú5 a month)
    ú7.50 for Virgin that ends at the end of the month too

    ú3 Snack

    This leaves ú5 and odd pence for food etc weekly
    Once the rent is finished (4 more to go) ú30 and odd pence plus the ú7.50 from Virgin.

    The CC was never in the budget

    ETA I do obviously have the extra I'm spreading out still this is just the weekly budget of what actually comes in and goes out. Before anyone thinks I went on a spending spree
    Last edited by WannabeFree; 12-01-2019 at 11:05 PM.
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.ö

    POAMAYC 19 #70 ú1561/ú2070
    • Cherryfudge
    • By Cherryfudge 13th Jan 19, 12:44 AM
    • 2,592 Posts
    • 16,145 Thanks
    Cherryfudge
    You're doing an amazing job, Wannabe.
    MFW #30 Overpaid by ú4,100.58/ú3000 in 2018 Overpaid by ú555.74/2,880.00 in 2019
    Decluttered in 2019: 299/2019 as of 10/3/19
    • WannabeFree
    • By WannabeFree 13th Jan 19, 1:00 AM
    • 3,373 Posts
    • 31,365 Thanks
    WannabeFree
    Thank you Cherry, saying goodbye to that CC will definitely be soon
    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.ö

    POAMAYC 19 #70 ú1561/ú2070
    • jwil
    • By jwil 13th Jan 19, 9:00 AM
    • 10,111 Posts
    • 34,808 Thanks
    jwil
    Well done, that CC will soon be gone
    "If you can dream it, you can do it". Walt Disney
    • teafor2
    • By teafor2 13th Jan 19, 11:34 AM
    • 1,133 Posts
    • 8,250 Thanks
    teafor2
    Morning Hope you and the smalls are enjoying your Sunday. It's grey and wet here again, expect you've got pretty much the same weather. Are you venturing out anywhere or just having a cosy day at home? x
    • WannabeFree
    • By WannabeFree 13th Jan 19, 1:24 PM
    • 3,373 Posts
    • 31,365 Thanks
    WannabeFree
    Afternoon

    Thank you.

    Teafor2 the weather is grey and wet here too! We did get out for a small walk and some fresh air, I had to go grab some painkillers. We are home again and getting warm and dry! Although it seems to have stopped raining now we are home

    So not a NSD. 28p spent on painkillers.

    Will be back with more later but I'm off to take some painkillers and make a cuppa and hot water bottle.
    x
    Last edited by WannabeFree; 13-01-2019 at 1:32 PM.
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.ö

    POAMAYC 19 #70 ú1561/ú2070
    • WannabeFree
    • By WannabeFree 13th Jan 19, 4:52 PM
    • 3,373 Posts
    • 31,365 Thanks
    WannabeFree
    My kids have drove me insane today. I can't remember the last time I had to referee as much as I have today. It probably doesn't help I have very little patience because my heads feels like it has its own brass band trying to escape and it might explode at any second. Hence the trip for painkillers at such a daft time in the rain on a Sunday morning.

    Anyway they are just going to be put in the bath and in bed, who's betting they argue over what movie to watch?

    I will be back with a proper update on things later. Once the smalls are in bed and I have a hot cuppa and chance to actually sit down.
    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.ö

    POAMAYC 19 #70 ú1561/ú2070
    • teafor2
    • By teafor2 13th Jan 19, 5:13 PM
    • 1,133 Posts
    • 8,250 Thanks
    teafor2
    They're probably ready for school, even if they don't think they are It's a funny time of year, when we're all mostly cooped up inside because of the weather. At least they'll be able to run some energy off in the playground and argue with their friends instead. Hope you headache eases off. x
    • beanielou
    • By beanielou 13th Jan 19, 5:36 PM
    • 61,839 Posts
    • 265,089 Thanks
    beanielou
    Poor you.
    Hope the headache goes soon x
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • WannabeFree
    • By WannabeFree 13th Jan 19, 7:38 PM
    • 3,373 Posts
    • 31,365 Thanks
    WannabeFree
    I think they just pick up on my mood sometimes and it makes them feel in a similar mood

    I have an appointment this week I'd forgot about until the neighbour knocked to confirm she would collect the smalls if I wasn't at school in time. Medical appointment nothing financial still in the city though so will need to remember I need bus fare on me that morning or I'll be late as I need to get on the bus by school straight after drop off. Going to add it to the calendar and diary before I forget again

    Anyway smalls in bed and all back friends. Dinner cleaned up after, bathed the smalls, showered myself, done the ironing and polished the school shoes. Their bags are ready and homework in them. Just need to do the pack lunches.

    But for now it's time to catch up on here with a hot cup of tea (I will remember to buy coffee tomorrow it's definitely a need )
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.ö

    POAMAYC 19 #70 ú1561/ú2070
    • Sun Addict
    • By Sun Addict 13th Jan 19, 8:16 PM
    • 6,872 Posts
    • 49,455 Thanks
    Sun Addict
    A tip for headache is take paracetamol with coffee as the combination works faster. Double caffeine.

    Glad the smalls have made up now
    Virtual Sealed Pot 2019 ú164.81
    Weight loss 6/9LBS
    Emergency Fund ú3260/ú10,000
    • WannabeFree
    • By WannabeFree 13th Jan 19, 8:26 PM
    • 3,373 Posts
    • 31,365 Thanks
    WannabeFree
    Thank you SA I have no coffee think that's part of the problem

    It's been such a strange day today
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.ö

    POAMAYC 19 #70 ú1561/ú2070
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