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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 2,566Posts
    • 22,729Thanks
    WannabeFree
    “Rock bottom became the solid foundation on which I rebuilt my life.”
    • #1
    • 21st Nov 17, 11:04 AM
    “Rock bottom became the solid foundation on which I rebuilt my life.” 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 £2092.71
    Court Fine £1250
    Court Fine £200
    Person 1 £1000
    Person 2 £1000
    Person 3 £1379
    Person 4 £427
    Debt Total £7348.71

    Rent Arrears £3381.28

    Total £10729.99

    *Person 4 £575
    *New Debt £732
    *Debt 1 £387.29
    *Debt 2 £1451.40
    *Debt 3 £1137.73
    *EDF £3140.65

    Total £18154.06

    *As more comes out from under the carpet I will update here.
    Last edited by WannabeFree; 21-11-2017 at 12:21 PM.
Page 169
    • Sun Addict
    • By Sun Addict 13th Jan 19, 8:38 PM
    • 6,611 Posts
    • 46,723 Thanks
    Sun Addict
    When I was a young mum I used to drink a LOT of coffee. When I cut down I got a headache. Now I only have a couple of cups a day. I don't like tea, went off it when I was expecting DS and never went back on it. I quite like green tea though.

    Hope you get some coffee soon xx
    Virtual Sealed Pot 2019 £82.00
    Debt £1570
    Weight loss 0/9LBS
    Emergency Fund £3266.50/£10,000
    • WannabeFree
    • By WannabeFree 13th Jan 19, 8:57 PM
    • 2,566 Posts
    • 22,729 Thanks
    WannabeFree
    I think it is a big part of the headaches SA. I rely on coffee more than food I know I shouldn't I will get some in the morning after the school run

    I've never tried green tea, I bought teabags as it's cheaper than coffee (I'll drink cheap tea if needed but not very cheap coffee)

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

    POAMAYC 19 #70 £450/£2070
    • teafor2
    • By teafor2 13th Jan 19, 9:15 PM
    • 376 Posts
    • 2,098 Thanks
    teafor2
    Some days are just odd. I know I feel out of sorts some days for no reason. I'm a tea drinker but enjoy the odd coffee. I don't know why but it's like having a meal, it really fills me up. I like fruit teas as well, which reminds me I need to buy some of those. x
    • WannabeFree
    • By WannabeFree 13th Jan 19, 9:23 PM
    • 2,566 Posts
    • 22,729 Thanks
    WannabeFree
    This will explain the day being strange

    Okay things have changed, I woke up to a 'gift' this morning, with advice so now the budget looks like this.

    £125 to rent
    £12.50 to Council tax arrears

    £25.60 to this years council tax
    £10 Gas
    £15 Electric
    £11.40 Water
    £5.60 TV License
    £1.25 for phone credit (£5 a month)
    £7.50 for Virgin that ends at the end of the month too

    £3 Snack

    This leaves £30 and odd pence for food etc weekly plus will have £7.50 from Virgin from the end of the month.

    I have paid what I was behind on the arrears and emailed to confirm that's where the payment should be applied (I have emailed so I get a reply in writing but will call and confirm tomorrow morning too)

    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

    So now things look so much better. I'm really hoping the CC will be gone soon and then 'living' of the remainder of the budget should make things 'comfortable'

    Will update debt totals tomorrow when I've spoke to them.
    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
    • beanielou
    • By beanielou 13th Jan 19, 9:33 PM
    • 59,889 Posts
    • 251,022 Thanks
    beanielou
    This will explain the day being strange

    Okay things have changed, I woke up to a 'gift' this morning, with advice so now the budget looks like this.

    £125 to rent
    £12.50 to Council tax arrears

    £25.60 to this years council tax
    £10 Gas
    £15 Electric
    £11.40 Water
    £5.60 TV License
    £1.25 for phone credit (£5 a month)
    £7.50 for Virgin that ends at the end of the month too

    £3 Snack

    This leaves £30 and odd pence for food etc weekly plus will have £7.50 from Virgin from the end of the month.

    I have paid what I was behind on the arrears and emailed to confirm that's where the payment should be applied (I have emailed so I get a reply in writing but will call and confirm tomorrow morning too)

    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

    So now things look so much better. I'm really hoping the CC will be gone soon and then 'living' of the remainder of the budget should make things 'comfortable'

    Will update debt totals tomorrow when I've spoke to them.
    x
    Originally posted by WannabeFree
    Wow, that is just great.
    So that means the arrears are toast.
    Could not have happened to a more deserving person.
    This has made my week xx
    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.***
    • teafor2
    • By teafor2 13th Jan 19, 9:34 PM
    • 376 Posts
    • 2,098 Thanks
    teafor2
    What a fantastic gift, your rent arrears have gone Whoever gifted that has made a massive difference to you, bless them. x
    • WannabeFree
    • By WannabeFree 13th Jan 19, 9:38 PM
    • 2,566 Posts
    • 22,729 Thanks
    WannabeFree
    Yeah Beanie, all that had built up since the DLA stopping has been caught up. Both Rent and Council tax. So back to the originally agreed payments to the rest of the arrears now. Meaning an 'extra' £25 a week in the budget.

    Makes it so much less stressful in areas I don't really post on here along with being able to go to the appointments because I'll have the £5 bus fare etc if needed. I obviously still need to be very strict with the budget BUT £35 a week is a huge improvement on the £5 a week my budget had before.

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

    POAMAYC 19 #70 £450/£2070
    • SusieT
    • By SusieT 13th Jan 19, 9:41 PM
    • 286 Posts
    • 399 Thanks
    SusieT
    Wow, that must have been the most wonderful thing to happen to you, and so well deserved
    Enjoy the coffee tomorrow, I only keep Nescafe instant in the cupboard in case guests do not drink tea, it lasts for ages!!
    Credit card debt - NIL
    Home improvement loans 41,000 now 30,130 26% paid original finish dates 2025 and 2027
    Mortgage 100,000 now 64,513 35% paid
    • WannabeFree
    • By WannabeFree 13th Jan 19, 9:42 PM
    • 2,566 Posts
    • 22,729 Thanks
    WannabeFree
    13/01/19
    Debt
    Council Tax £375 £300 (£75 paid)
    Rent arrears £1545 £1320 (£225 paid)
    Credit card £150 £37.50***

    Total £2070 £1710

    *** CC- 49.9% interest along with the £12 over limit fee I keep getting and the £12 late fee is the one I need to think of a plan and chuck my efforts into.

    This is what it will look like once it's confirmed tomorrow. I have £12.50 left to chuck at the credit card

    Couldn't wait till tomorrow to change the numbers
    Last edited by WannabeFree; 13-01-2019 at 9:51 PM.
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
    • teafor2
    • By teafor2 13th Jan 19, 9:42 PM
    • 376 Posts
    • 2,098 Thanks
    teafor2
    That's such a huge difference Wannabe. Do you think from the £35 you may be able to allocate something extra to the CC. Getting rid of that as well would be wonderful for your stress levels and future finances. x
    • WannabeFree
    • By WannabeFree 13th Jan 19, 9:44 PM
    • 2,566 Posts
    • 22,729 Thanks
    WannabeFree
    That's my plan teafor2

    I want it gone

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

    POAMAYC 19 #70 £450/£2070
    • beanielou
    • By beanielou 13th Jan 19, 9:46 PM
    • 59,889 Posts
    • 251,022 Thanks
    beanielou
    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.***
    • teafor2
    • By teafor2 13th Jan 19, 9:46 PM
    • 376 Posts
    • 2,098 Thanks
    teafor2
    It'll be gone before you know it. Is it £50 or £90 that's outstanding now?
    • beanielou
    • By beanielou 13th Jan 19, 9:50 PM
    • 59,889 Posts
    • 251,022 Thanks
    beanielou
    £90 I think?
    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, 9:50 PM
    • 2,566 Posts
    • 22,729 Thanks
    WannabeFree
    Its £50 I sent the £40 this morning once Nationwide was back up.

    Going to send the £12.50

    £37.50 left

    Realised I hadn't changed it on my last post as I hadn't changed it on my spreadsheet because Nationwide was down last night when I posted so couldn't send straight across. I sent first thing but didn't put it on the spreadsheet

    x
    Last edited by WannabeFree; 13-01-2019 at 9:52 PM.
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
    • beanielou
    • By beanielou 13th Jan 19, 9:53 PM
    • 59,889 Posts
    • 251,022 Thanks
    beanielou
    Check your email in a mo xx
    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.***
    • teafor2
    • By teafor2 13th Jan 19, 9:53 PM
    • 376 Posts
    • 2,098 Thanks
    teafor2
    Oh my goodness. It might as well be my CC debt. I'm so excited for you that you're nearly there
    • beanielou
    • By beanielou 13th Jan 19, 9:56 PM
    • 59,889 Posts
    • 251,022 Thanks
    beanielou
    Oh my goodness. It might as well be my CC debt. I'm so excited for you that you're nearly there
    Originally posted by teafor2
    For me too
    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, 9:57 PM
    • 2,566 Posts
    • 22,729 Thanks
    WannabeFree
    £26.50 left

    I'm so excited too. It will definitely be gone this month even if I feed everyone beans on toast (I'm joking I won't )
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
    • WannabeFree
    • By WannabeFree 13th Jan 19, 9:59 PM
    • 2,566 Posts
    • 22,729 Thanks
    WannabeFree
    13/01/19
    Debt
    Council Tax £375 £300 (£75 paid)
    Rent arrears £1545 £1320 (£225 paid)
    Credit card £150 £26.50***

    Total £2070 £1646.50

    Couldn't wait till tomorrow to change the numbers
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”

    POAMAYC 19 #70 £450/£2070
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