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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 2,670Posts
    • 23,541Thanks
    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 170
    • SusieT
    • By SusieT 13th Jan 19, 10:10 PM
    • 286 Posts
    • 407 Thanks
    SusieT
    £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 )
    Originally posted by WannabeFree
    I know how I felt when my cards were finally paid and (almost) gone, waiting for the last bit of interest was the only time I was willing the statements to arrive as I knew that there would be enough to pay it and it would be a lot less than I had been paying to clear them
    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
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 13th Jan 19, 10:10 PM
    • 9,386 Posts
    • 57,724 Thanks
    please-let-me-be-lucky
    Amazing news Wannabe. I hope you get a more settled night’s sleep now Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 41/60
    Best win so far - holiday to Florida
    • WannabeFree
    • By WannabeFree 13th Jan 19, 10:41 PM
    • 2,670 Posts
    • 23,541 Thanks
    WannabeFree
    Thank you all

    I think I will sleep better tonight. What a day today has been

    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, 10:50 PM
    • 60,049 Posts
    • 251,980 Thanks
    beanielou
    Thank you all

    I think I will sleep better tonight. What a day today has been

    x
    Originally posted by WannabeFree

    You deserve it.
    You inspire us all 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.***
    • 24ta
    • By 24ta 13th Jan 19, 11:25 PM
    • 23 Posts
    • 168 Thanks
    24ta
    You deserve it.
    You inspire us all x
    Originally posted by beanielou

    Agreed, you really are an inspiration. well done
    So many unachieved goals, I have to make this year my year!
    • Cherryfudge
    • By Cherryfudge 13th Jan 19, 11:37 PM
    • 2,321 Posts
    • 14,045 Thanks
    Cherryfudge
    Just have to say...wow! I'm so happy for you. Aren't there some wonderful people around?
    MFW #30 Paid off £4,100.58/£3000 in 2018
    Decluttered in 2019: 116/2019 as of 14/1/19
    • teafor2
    • By teafor2 14th Jan 19, 8:23 AM
    • 423 Posts
    • 2,374 Thanks
    teafor2
    Morning. Hope DD won't be as upset at school today and you enjoy your coffee. Have a good day x
    • WannabeFree
    • By WannabeFree 14th Jan 19, 9:23 AM
    • 2,670 Posts
    • 23,541 Thanks
    WannabeFree
    14/01/19
    Debt
    Council Tax £375 £300 (£75 paid)
    Rent arrears £1545 £1320 (£225 paid)
    Credit card £150 £13.72***

    Total £2070 £1622.72

    Just £13.72 left on the CC it will be gone though.

    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
    • WannabeFree
    • By WannabeFree 14th Jan 19, 9:26 AM
    • 2,670 Posts
    • 23,541 Thanks
    WannabeFree
    Morning

    Thank you for all your lovely replies and messages.

    Smalls are away to school with no tears!!

    Just waiting for the washer to finish washing the mop and then I can do the floors and once the first load of washing is dry I will have a little bit of ironing (there's only last nights pj's and towels drying)

    Today's plans are to finish putting everything in my diary and on the calendar so I can't forget anything

    Not a NSD, paid snack money and been for coffee I needed it

    Hope you all have a lovely day

    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
    • jwil
    • By jwil 14th Jan 19, 9:38 AM
    • 9,653 Posts
    • 32,158 Thanks
    jwil
    That's great news WF

    Have a good day x
    "If you can dream it, you can do it". Walt Disney
    • GeorgianaCavendish
    • By GeorgianaCavendish 14th Jan 19, 10:36 AM
    • 640 Posts
    • 4,033 Thanks
    GeorgianaCavendish
    Such good news about being so close to the end of the tunnel with the CC Wannabe, I'm so excited for you!
    • WannabeFree
    • By WannabeFree 14th Jan 19, 1:00 PM
    • 2,670 Posts
    • 23,541 Thanks
    WannabeFree
    14/01/19
    Debt
    Council Tax £375 £300 (£75 paid)
    Rent arrears £1545 £1320 (£225 paid)
    Credit card £150 £0***

    Total £2070 £1620

    Credit card gone

    My bank balance is all over the place now I've no idea where I'm at I need to wait for it to update properly. Because over £200 has gone out to the debts and some are pending twice and all sorts. Nationwide is the worst at doing maintenance.

    But the CC has gone, I have food, my bills are paid, the arrears are back on track. Good start to a new week.


    P.S if you sent me a Birthday card please can you PM me? I can't find you to thank you

    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 14th Jan 19, 1:14 PM
    • 286 Posts
    • 407 Thanks
    SusieT
    14/01/19

    Credit card £150 £0***

    Total £2070 £1620

    Credit card gone



    But the CC has gone, I have food, my bills are paid, the arrears are back on track. Good start to a new week.

    Originally posted by WannabeFree
    Congratulations
    So when the statement arrives it will just be any residual interest, which with you reducing the balance should be around £5 (probably less) and no late fees, over limit fees or any other fees they can think of being added
    Last edited by SusieT; 14-01-2019 at 1:16 PM.
    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 14th Jan 19, 1:23 PM
    • 2,670 Posts
    • 23,541 Thanks
    WannabeFree
    Plan now is

    14/01/19
    Debt now
    Council Tax £300
    Rent £1320

    Total £1620

    Budget now
    £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

    £3 Snack

    This leaves £30 and odd pence for food and everything else weekly

    £7.50 from Virgin finishes at the end of the month when it's cancelled will put the the first week in Feb to the CC interest on the 4th and a coffee on my birthday Then it will be into the grocery and everything else budget.

    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
    • WannabeFree
    • By WannabeFree 14th Jan 19, 1:24 PM
    • 2,670 Posts
    • 23,541 Thanks
    WannabeFree
    I feel so lucky to have received all the help I have, the advice, the listening to my moaning and there probably will be quite a lot more

    Thank you so much

    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
    • Silver Queen
    • By Silver Queen 14th Jan 19, 1:52 PM
    • 556 Posts
    • 2,475 Thanks
    Silver Queen
    Wannabe, when's your birthday?
    Debt Totals January 2019::
    £350 Natwest Credit Card / Now £0 (paid off and closed 04/2017) £15,500 postgrad loan from parents/ Now £8,250 £500 train ticket loan from parents / Now £0 (paid off 16/02/18) £2,000 Overdraft Now £0 (paid off 09/03/18) £1,967.83 Barclays 0% card Now £1,747.83
    • WannabeFree
    • By WannabeFree 14th Jan 19, 1:54 PM
    • 2,670 Posts
    • 23,541 Thanks
    WannabeFree
    7th Feb is my birthday so before the smalls 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 14th Jan 19, 2:00 PM
    • 423 Posts
    • 2,374 Thanks
    teafor2
    Brilliant news about DD not crying this morning. It makes it much easier when you're leaving them not sobbing, even if they're not really happy about being in school.

    Also, excellent news about the CC being gone. £30+ per week is a lot better than the £5 you were having to live off. And hopefully that flipping DLA will get awarded again soon so that will help.

    At least you get all the birthdays out of the way having them all so close together. Have the smalls got their lists on the go already x
    • WannabeFree
    • By WannabeFree 14th Jan 19, 2:05 PM
    • 2,670 Posts
    • 23,541 Thanks
    WannabeFree
    Brilliant news about DD not crying this morning. It makes it much easier when you're leaving them not sobbing, even if they're not really happy about being in school.

    Also, excellent news about the CC being gone. £30+ per week is a lot better than the £5 you were having to live off. And hopefully that flipping DLA will get awarded again soon so that will help.

    At least you get all the birthdays out of the way having them all so close together. Have the smalls got their lists on the go already x
    Originally posted by teafor2
    I think the promise of cake after school helped But yes it does make it so much easier.

    I guess so teafor2, however all 3 in June probably would have worked better than 2 months after Xmas but yeah once they are done that's it until Xmas again

    No lists I hope not anyway

    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
    • Silver Queen
    • By Silver Queen 14th Jan 19, 2:11 PM
    • 556 Posts
    • 2,475 Thanks
    Silver Queen
    I know the offer of cake always cheers me up
    Debt Totals January 2019::
    £350 Natwest Credit Card / Now £0 (paid off and closed 04/2017) £15,500 postgrad loan from parents/ Now £8,250 £500 train ticket loan from parents / Now £0 (paid off 16/02/18) £2,000 Overdraft Now £0 (paid off 09/03/18) £1,967.83 Barclays 0% card Now £1,747.83
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