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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 10:04 AM
    • 3,698Posts
    • 35,081Thanks
    WannabeFree
    ôRock bottom became the solid foundation on which I rebuilt my life.ö
    • #1
    • 21st Nov 17, 10:04 AM
    ôRock bottom became the solid foundation on which I rebuilt my life.ö 21st Nov 17 at 10:04 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 11:21 AM.
Page 292
    • teafor2
    • By teafor2 16th May 19, 2:35 PM
    • 1,589 Posts
    • 12,264 Thanks
    teafor2
    Hi WB Excellent news about the appointment today - must be such a relief there's nothing extra to worry about for the time being. It's good to read small's Dad is also helping out.

    Will DD2 miss the others this weekend or will she be quite happy having you all to herself? xx
    • Toni'sfriend
    • By Toni'sfriend 16th May 19, 3:12 PM
    • 1,960 Posts
    • 19,682 Thanks
    Toni'sfriend
    That is good news about the appointment. Don't feel guilty about the coffee. Definitely needed.
    • earthgirl
    • By earthgirl 16th May 19, 3:25 PM
    • 2,581 Posts
    • 27,222 Thanks
    earthgirl
    Your post this morning just sounded wonderfully balanced, you are right to ask the kids dad to support and it's great you are making yourself a priority too!

    Glad the appointment was good and what is keeping that cheque!!
    15/5/12 Paid off Mortgage 1 (ú220k) Bought Dream House Dec 13 - Mortage 2 -ú116,508. 15/7/18 Mortgage Free Again

    50 Frugal Living Tips that Really Work : https://youtu.be/eBorBymXXCQ

    Budget for May - Real Figures: https://youtu.be/vu8h_RW6TIY
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 16th May 19, 7:40 PM
    • 9,708 Posts
    • 60,952 Thanks
    please-let-me-be-lucky
    Morning

    Thank you

    Older two in school and youngest is okay. Still up and down breathing wise.

    Anyway waiting for the postman in the hope he has the cheque then I can head into town to cash it and put it in the bank today.

    No other plans. The sun is shining and the cleaning is done.

    Have a lovely day

    x
    Originally posted by WannabeFree
    Catching up after not being on here much this week.
    Apologies if Iĺve picked this up wrong, but it sounds like you are planning to use a cheque cashing place rather than putting the cheque straight into the bank. If thatĺs the case, please ask at your bank how long they take now to process cheques first. A lot of them are doing next day clearance as standard now. That way youĺll get the whole ú50 Xx
    Debts @ LBM ú23,729.31. Debts @ 08/04/2016 ú0

    Best win so far - holiday to Florida
    • milann
    • By milann 16th May 19, 8:42 PM
    • 2,510 Posts
    • 14,373 Thanks
    milann
    Good news on no need for an appointment for a year. And well done for going to your own appointment and getting their dad to have them whilst you go next time
    I was in big town near us last week - donĺt know if youĺre heading there at all - but near Northern Warehouse thereĺs a massive fake beach with sand - there were lots of folk having picnics on stepped seating around the edges and children of all ages playing. I thought of you for a cheap day out maybe coupled with MOSI which is free to get in...not sure if youĺve got to head that way for any of your appointments...
    • teafor2
    • By teafor2 17th May 19, 7:31 AM
    • 1,589 Posts
    • 12,264 Thanks
    teafor2
    Morning WB Hope you and the smalls are all looking forward to your weekend. Are the PJ's packed for the sleepovers Hope you're feeling a bit more balanced with the new meds. Have a great day. xx
    • beanielou
    • By beanielou 17th May 19, 6:24 PM
    • 63,188 Posts
    • 277,770 Thanks
    beanielou
    Hope yoou have had a good day
    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.***
    • earthgirl
    • By earthgirl 17th May 19, 8:37 PM
    • 2,581 Posts
    • 27,222 Thanks
    earthgirl
    Hope you had a good day too x
    15/5/12 Paid off Mortgage 1 (ú220k) Bought Dream House Dec 13 - Mortage 2 -ú116,508. 15/7/18 Mortgage Free Again

    50 Frugal Living Tips that Really Work : https://youtu.be/eBorBymXXCQ

    Budget for May - Real Figures: https://youtu.be/vu8h_RW6TIY
    • Cherryfudge
    • By Cherryfudge 18th May 19, 1:22 PM
    • 2,781 Posts
    • 17,592 Thanks
    Cherryfudge
    Hope things are okay. Not long till the two weeks off school now
    MFW #30 Overpaid by ú4,100.58/ú3000 in 2018 Overpaid by ú1,038.40/2,880.00 Jan-April 2019. Decluttered in 2019: 665/2019 as of 20/05/19
    • beanielou
    • By beanielou 18th May 19, 5:30 PM
    • 63,188 Posts
    • 277,770 Thanks
    beanielou
    You are very quiet.
    Hope all is ok 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.***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 18th May 19, 6:32 PM
    • 9,364 Posts
    • 73,938 Thanks
    HairyHandofDartmoor
    How are things Wannabe?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = ú58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = ú4,005. EMERGENCY FUND 2 = ú1,505.
    CHRISTMAS SAVINGS = ú66
    PREMIUM BONDS = ú50
    • WannabeFree
    • By WannabeFree 18th May 19, 6:55 PM
    • 3,698 Posts
    • 35,081 Thanks
    WannabeFree
    Sorry

    My anxiety etc has been bad. I think a mix of the weeks appointments and then my own doing of switching everything to direct debits has made the payment dates on things and some things have needed paying twice the amount as I was paying a week behind rather than on time it's all a bit much - all my own fault for doing everything at once and not thinking about it I have to remember it will all be worth it. I need to get straight and build a small buffer in there up and in the long run it will be much better and cheaper.

    Still no cheque which is annoying so have sent an email to chase that up with no reply yet.

    Thank you for all stopping in, hopefully the new meds and things will be working better before the smalls break up from school.

    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.ö
    • Cherryfudge
    • By Cherryfudge 18th May 19, 10:17 PM
    • 2,781 Posts
    • 17,592 Thanks
    Cherryfudge
    Don't beat yourself up over the direct debits - as you say, in the long run it will be better this way. Stressful for you now, of course.

    Medication can take a while, I gather, and sometimes things can feel worse before they feel better which is, I imagine, pretty grim. Quite a few of the hard days are already behind you now though, and things will be better soon.

    Sending hugs x
    MFW #30 Overpaid by ú4,100.58/ú3000 in 2018 Overpaid by ú1,038.40/2,880.00 Jan-April 2019. Decluttered in 2019: 665/2019 as of 20/05/19
    • jwil
    • By jwil 19th May 19, 7:30 AM
    • 10,474 Posts
    • 36,865 Thanks
    jwil
    Hope things improve soon x
    "If you can dream it, you can do it". Walt Disney
    • teafor2
    • By teafor2 19th May 19, 12:23 PM
    • 1,589 Posts
    • 12,264 Thanks
    teafor2
    Hi WB Sorry to hear your anxiety has reared it's head again, especially when you've been doing so well and feeling positive and in control of things lately. Fingers crossed the meds level out soon for you.

    Hope the DC's enjoyed their weekend and their sleepovers. We're on countdown to half term here as well Just one week for us though. xx
    • Toni'sfriend
    • By Toni'sfriend 19th May 19, 1:25 PM
    • 1,960 Posts
    • 19,682 Thanks
    Toni'sfriend
    Hello W

    Some (maybe quite a few) years ago I was running around paying things by cash/cheque. What a difference when you do it by DD. It is a bit difficult for the first month or so but once it's all in place you will really notice the difference. You'll know when your bills are coming out you won't even think about it. Just make sure the money is in the account and it's all done. Really will save you the stress and probably money too.

    Your doing really well. xxx
    • Sun Addict
    • By Sun Addict 19th May 19, 1:45 PM
    • 7,132 Posts
    • 52,271 Thanks
    Sun Addict
    Good news about the hospital appointment and at least you can put it to the back of your mind for now.

    Sorry to hear your anxiety is back, no doubt the cheque not arriving has played its part in that. Hopefully the meds will kick in soon and you'll feel easier xx
    Virtual Sealed Pot 2019 ú251.96
    Weight loss 7.5/9LBS
    Emergency Fund ú3260/ú10,000
    • WannabeFree
    • By WannabeFree 19th May 19, 4:18 PM
    • 3,698 Posts
    • 35,081 Thanks
    WannabeFree
    Thank you

    I know it's been the right thing to do switching to direct debits. It means so much less worry etc once it's all settled. The account will look after itself and it will grow a small buffer monthly. It's just getting this first month out the way as I hadn't factored in the dates changing and some things being double the weekly amount I budget. I'm sure it will work out soon though and I feel better knowing once its straight then it will be so much less worry.

    Smalls didn't end up sleeping out. We haven't done anything really but we did do some planting of things outside this morning

    Thanks again

    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.ö
    • Toni'sfriend
    • By Toni'sfriend 19th May 19, 5:08 PM
    • 1,960 Posts
    • 19,682 Thanks
    Toni'sfriend
    I promise you it will work out if you can just hang in there for a few weeks.

    You must take care of yourself. xxx
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 19th May 19, 8:30 PM
    • 9,364 Posts
    • 73,938 Thanks
    HairyHandofDartmoor
    I hope you feel less anxious soon Wannabe. When are the DC on half term?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = ú58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = ú4,005. EMERGENCY FUND 2 = ú1,505.
    CHRISTMAS SAVINGS = ú66
    PREMIUM BONDS = ú50
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