Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 1,385Posts
    • 11,614Thanks
    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 64
    • enthusiasticsaver
    • By enthusiasticsaver 7th Feb 18, 9:27 PM
    • 6,256 Posts
    • 12,385 Thanks
    enthusiasticsaver
    Diaries merged. Just looking out for yours now SA.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • beanielou
    • By beanielou 7th Feb 18, 9:32 PM
    • 52,657 Posts
    • 206,555 Thanks
    beanielou
    OH happy happy birthday
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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.
    • beanielou
    • By beanielou 7th Feb 18, 9:33 PM
    • 52,657 Posts
    • 206,555 Thanks
    beanielou
    Diaries merged. Just looking out for yours now SA.
    Originally posted by enthusiasticsaver
    You are a star
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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.
    • WannabeFree
    • By WannabeFree 7th Feb 18, 9:41 PM
    • 1,385 Posts
    • 11,614 Thanks
    WannabeFree
    Thank you ES

    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • WannabeFree
    • By WannabeFree 7th Feb 18, 9:43 PM
    • 1,385 Posts
    • 11,614 Thanks
    WannabeFree
    And thank you again for all the birthday wishes.

    It's been lovely seeing the smalls so happy.

    DD and DS made a canvas drawing and youngest made me a playdough pig Those on my insta will have seen the lovely cards someone helped them buy.... my Sister I think. We've had cake and dinner. More cake and 3 excited smalls where all tucked up a little later than usual tonight.

    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • beanielou
    • By beanielou 7th Feb 18, 9:46 PM
    • 52,657 Posts
    • 206,555 Thanks
    beanielou
    Glad that the smalls had a happy day too
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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.
    • Honeysucklelou2
    • By Honeysucklelou2 8th Feb 18, 1:51 AM
    • 784 Posts
    • 3,142 Thanks
    Honeysucklelou2
    Happy Birthday WF.

    A big well done on getting the smalls birthday celebrations sorted especially when you haven't been feeling well.
    paydbx #93 ú642/ú8,000.
    Loan ú17k - paid off in Aug 2017. Home improvement loans ú3342 March 2017. ú3123 in Jan 18
    • WannabeFree
    • By WannabeFree 8th Feb 18, 9:40 AM
    • 1,385 Posts
    • 11,614 Thanks
    WannabeFree
    Bleurrgh Morning.

    Feel dreadful today

    Tomorrow is 9 months since I came back with my original diary!
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • beanielou
    • By beanielou 8th Feb 18, 9:52 AM
    • 52,657 Posts
    • 206,555 Thanks
    beanielou
    Hope you are on the mend soon.
    Take care xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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.
    • Purplemumof2
    • By Purplemumof2 8th Feb 18, 10:14 AM
    • 6,003 Posts
    • 21,928 Thanks
    Purplemumof2
    Bleurrgh Morning.

    Feel dreadful today

    Tomorrow is 9 months since I came back with my original diary!
    Originally posted by WannabeFree
    It's all that partying

    Hope you feel better soon xx

    9 months since you came back? Wow that has flown and look how far you've come xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: ú6500.00 Cap 1: ú437.20 BC: ú6747.97
    AFD xxx LTW 3/16
    POAMAYC 2018 #041 PD ú3790.84/ú7000
    Savings for Christmas ú131.00/ú365
    20p Savers 2018 ú2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Cherryfudge
    • By Cherryfudge 8th Feb 18, 10:25 AM
    • 1,610 Posts
    • 8,509 Thanks
    Cherryfudge
    Look after yourself xx
    • EssexHebridean
    • By EssexHebridean 8th Feb 18, 10:29 AM
    • 8,624 Posts
    • 45,380 Thanks
    EssexHebridean
    So much progress in just 9 months - that's brilliant! Glad yesterday was a good day and the smalls had fun! Playdough pigs sound rather fab! (And so does cake!)
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 ú1229.00/ú853.32 (12/02/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • charlies tribe
    • By charlies tribe 8th Feb 18, 10:31 AM
    • 753 Posts
    • 5,520 Thanks
    charlies tribe
    Glad you had a lovely day. Hope you are feeling better soon.
    LBM in April 17 - ú6655/ú33554 (19.8%) paid.
    2018 PAID OFF TARGET ú1031/ú5000 (20.6% paid)
    SPC #591
    • WannabeFree
    • By WannabeFree 8th Feb 18, 11:29 AM
    • 1,385 Posts
    • 11,614 Thanks
    WannabeFree
    I know it doesn't feel like 9 months!

    Waiting for an emergency visit with some meds. Grateful for the NHS

    I have no idea what dinner for the smalls will be today. Cake? No seriously. Probably lasagne (because I have them ready made in the freezer) and anything that looks healthy placed on the side.

    I really do need to get some food shopping in tomorrow. We have no milk, bread or cheese. There won't be any fresh veg/fruit left only frozen and no yogs I'm not even going to attempt to make them, will get the best 'kids' ones I see.
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • Cherryfudge
    • By Cherryfudge 8th Feb 18, 1:11 PM
    • 1,610 Posts
    • 8,509 Thanks
    Cherryfudge
    I love the NHS.

    Can you do an online food shop perhaps? Save some energy...
    • WannabeFree
    • By WannabeFree 8th Feb 18, 1:27 PM
    • 1,385 Posts
    • 11,614 Thanks
    WannabeFree
    I suppose online shopping would be easier. I don't like doing online unless I have a discount code
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • jwil
    • By jwil 8th Feb 18, 4:51 PM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    Happy Birthday for yesterday! Yay to old diaries being back as well!
    "If you can dream it, you can do it". Walt Disney
    • WannabeFree
    • By WannabeFree 8th Feb 18, 7:21 PM
    • 1,385 Posts
    • 11,614 Thanks
    WannabeFree
    Thank you

    Fell asleep again! After a total meltdown at school. Sometimes that school makes me so Fuming! and I'm still really cross now. Fingers crossed it will be resolved before registration in the morning. If not I will be taking it higher this time.

    New potatoes, paprika chicken, veg and pepper sauce for dinner.. I might try some toast.
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • Sun Addict
    • By Sun Addict 8th Feb 18, 8:23 PM
    • 5,582 Posts
    • 35,886 Thanks
    Sun Addict
    Hope you get the school sorted - you could do without the stress.

    Hope you feel better soon xx
    Virtual Sealed Pot 2018 ú250.33
    Debt ú2572.50
    April NSDs 2 AFDs 3
    Weight loss 7/10LBS Emergency Fund ú2000/ú10,000
    Dining room fund ú
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Feb 18, 8:32 PM
    • 3,873 Posts
    • 25,681 Thanks
    HairyHandofDartmoor
    I'm glad you and the smalls enjoyed your birthday Wannabe .

    Sorry you feel ill today though and that the school made you cross .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = ú58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = ú530/Emergency Fund 2 = ú0/Loss of Income Fund ú0
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,552Posts Today

5,804Users online

Martin's Twitter
  • I've decided my weekend starts here while the sun's glow is still baskable. So I'm signing off. Have a great weeke? https://t.co/9FxNEpDs6p

  • No not correct. The big six do, but you can get fixed tariffs guaranteed not to rise and about 25% cheaper. Just tr? https://t.co/B2ft5OS3Ig

  • Baaaa! Scottish Power has bleated and followed the herd, today announcing it's putting up energy prices by 5.5%. R? https://t.co/vi3hBxo4Hn

  • Follow Martin