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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 10:04 AM
    • 3,940Posts
    • 39,073Thanks
    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 302
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th Jun 19, 8:15 PM
    • 10,531 Posts
    • 84,182 Thanks
    HairyHandofDartmoor
    I'm glad you had the coffee and I hope you get a good sleep tonight .
    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 = ú3,000/ú5,000. EMERGENCY FUND 2 = ú2,005/ú5,000.
    CHRISTMAS SAVINGS = ú159.37/ú500
    PREMIUM BONDS ME = ú200. PREMIUM BONDS DH = ú200
    • beanielou
    • By beanielou 12th Jun 19, 8:25 PM
    • 66,940 Posts
    • 302,935 Thanks
    beanielou
    Weather is getting on my nerves now, mainly because I can't get my washing dry

    Glad everything is back on track. Hope you and DD manage to get a good nights sleep. xx
    Originally posted by teafor2
    I got my bath sheet out yesterday for a bit of a blow which was a big help.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • beanielou
    • By beanielou 12th Jun 19, 8:29 PM
    • 66,940 Posts
    • 302,935 Thanks
    beanielou
    Glad that your day went ok & you managed your appointments.
    Hope you manage to get some (or lots of sleep) tonight. x
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • Cherryfudge
    • By Cherryfudge 12th Jun 19, 9:44 PM
    • 3,268 Posts
    • 21,075 Thanks
    Cherryfudge
    More steroids! I really hope you all get some sleep.

    Glad about the coffee, though. x
    MFW #30 Overpaid by ú4,100.58/ú3000 in 2018 Overpaid by ú2877.91/2,880.00 to 04/09/19. Decluttered in 2019: 1,899/2,019 as of 11/10/19
    • earthgirl
    • By earthgirl 13th Jun 19, 4:45 PM
    • 2,731 Posts
    • 28,500 Thanks
    earthgirl
    How did today go? Hope all is well and dd on the mend a little.
    15/5/12 Paid off Mortgage 1 (ú220k) Bought Dream House Dec 13 - Mortage 2 -ú116,508. 15/7/18 Mortgage Free Again

    Progress not Perfection
    • beanielou
    • By beanielou 13th Jun 19, 7:24 PM
    • 66,940 Posts
    • 302,935 Thanks
    beanielou
    How are things today? x
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • Cherryfudge
    • By Cherryfudge 14th Jun 19, 12:01 PM
    • 3,268 Posts
    • 21,075 Thanks
    Cherryfudge
    Missing you... hope you and the little ones are okay? Is it still raining over your way? I too am hoping for a good drying day but as the sun nearly appeared a few times, I live in hope.
    MFW #30 Overpaid by ú4,100.58/ú3000 in 2018 Overpaid by ú2877.91/2,880.00 to 04/09/19. Decluttered in 2019: 1,899/2,019 as of 11/10/19
    • Sun Addict
    • By Sun Addict 14th Jun 19, 7:40 PM
    • 7,632 Posts
    • 56,859 Thanks
    Sun Addict
    Hope all is ok. Rain has stopped here, hopefully it has your way too. I think we've all been hit by it. Talk about flaming June
    Virtual Sealed Pot 2019 ú514.51
    Emergency Fund ú3300/ú10,000
    • beanielou
    • By beanielou 14th Jun 19, 8:55 PM
    • 66,940 Posts
    • 302,935 Thanks
    beanielou
    Hope all is ok.
    You are very quiet x
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 15th Jun 19, 9:01 AM
    • 9,921 Posts
    • 63,466 Thanks
    please-let-me-be-lucky
    Hoping all is well Xx
    Debts @ LBM ú23,729.31. Debts @ 08/04/2016 ú0

    Best win so far - holiday to Florida
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Jun 19, 4:39 PM
    • 10,531 Posts
    • 84,182 Thanks
    HairyHandofDartmoor
    I hope you're okay 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 = ú3,000/ú5,000. EMERGENCY FUND 2 = ú2,005/ú5,000.
    CHRISTMAS SAVINGS = ú159.37/ú500
    PREMIUM BONDS ME = ú200. PREMIUM BONDS DH = ú200
    • milann
    • By milann 15th Jun 19, 5:24 PM
    • 2,959 Posts
    • 18,328 Thanks
    milann
    Iĺm hoping all is well too.
    • beanielou
    • By beanielou 15th Jun 19, 7:25 PM
    • 66,940 Posts
    • 302,935 Thanks
    beanielou
    Please let us know how things are x
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • WannabeFree
    • By WannabeFree 15th Jun 19, 9:04 PM
    • 3,940 Posts
    • 39,073 Thanks
    WannabeFree
    So sorry for my absence again

    Youngest is much better. Back to her usual self but still not sleeping. Exhausted. Between her and the feelings from my own appointments I've just been trying to get through a day at a time. I feel so annoyed I'm struggling MH wise when in most areas we are so much better than its ever been. I cannot wait to get to our holiday and have a break. The rain is still near enough constant. Every day.

    Im just tired and low so don't have much to post other than moans

    We are just having another quiet weekend doing nothing much. It's so rubbish when it's so wet.

    All the direct debits have gone out and paid there's just enough for the rent to go out Monday . Paid for another school trip and some other bits at school. It's really is full on these next few weeks. There's parties/graduation for youngest and other things I have to attend. Have got the order form for the girls uniform for the new year too.

    Trying to think what else has happened but I don't think there's anything else.

    Hope you're all okay and thank you again for stopping in. I will try to be more active again and catch up with everyone

    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 15th Jun 19, 10:10 PM
    • 3,268 Posts
    • 21,075 Thanks
    Cherryfudge
    Good to hear from you and sending you get well hugs. Good that youngest is such a lot better too - but I am sure your tiredness is a big factor in how you feel.

    And wow - the DDs are flowing as you planned! You really are making things work for you. I hope you can have some good sleeps now and some sunshine when you're awake - I'm sure they will help.
    MFW #30 Overpaid by ú4,100.58/ú3000 in 2018 Overpaid by ú2877.91/2,880.00 to 04/09/19. Decluttered in 2019: 1,899/2,019 as of 11/10/19
    • jwil
    • By jwil 16th Jun 19, 7:25 AM
    • 11,069 Posts
    • 40,479 Thanks
    jwil
    Hope you can get some sleep soon, it will make a big difference to your MH.

    Also hoping the sun comes out soon!
    "If you can dream it, you can do it". Walt Disney
    • WannabeFree
    • By WannabeFree 16th Jun 19, 2:49 PM
    • 3,940 Posts
    • 39,073 Thanks
    WannabeFree
    Afternoon.

    Hope you're all having a lovely day.

    We've just pottered around at home. Have managed to get out in the garden and do some bits. Still loads to be done though.

    Smalls are playing while they wait for their dinner and then it will be bath time ready for another busy week at school. Both are out on trips this week too.

    Have an appointment of my own in town tomorrow so need to be out early. Youngest is going to school some days this week. They have lots of fun things on so I don't want her to miss out. She slept a bit better last night but still ended up in my bed. Although at least we actually made it to bed before the birds where singing.

    Another NSD. Easy really when there's nothing to spend and we've been no where feels like a cheat NSD

    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.ö
    • Sun Addict
    • By Sun Addict 16th Jun 19, 2:51 PM
    • 7,632 Posts
    • 56,859 Thanks
    Sun Addict
    Glad you've had a quiet day, worth their weight in gold

    Hope you have a good week ahead xx
    Virtual Sealed Pot 2019 ú514.51
    Emergency Fund ú3300/ú10,000
    • jwil
    • By jwil 17th Jun 19, 6:45 AM
    • 11,069 Posts
    • 40,479 Thanks
    jwil
    Have a good week x
    "If you can dream it, you can do it". Walt Disney
    • Suffolk lass
    • By Suffolk lass 17th Jun 19, 9:07 AM
    • 3,299 Posts
    • 29,334 Thanks
    Suffolk lass
    If you are feeling low, you could read your first post on this diary and reflect on how far you have come - the debts have gone, your tenancy is secure, your bills "just get paid" and you and the children are secure in your home. Don't underplay your achievements x
    Save ú12k in 2019 - #68 target is ú7k ú8,766.30 after Sep
    OS Grocery Challenge 2019 target ú3k - 57.28% spent after Sep
    Mortgage Free Wannabes 2019 #37 108.23% ú43,292.24 including Sep - reducing now to avoid fees
    MFIT T5 target to clear our mortgage completely (ú59,998) Q2 ú30,085 or 50.14% paid
    My DFD is here
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