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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 1,527Posts
    • 13,166Thanks
    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 80
    • Purplemumof2
    • By Purplemumof2 10th Mar 18, 7:35 AM
    • 6,070 Posts
    • 22,292 Thanks
    Purplemumof2
    Morning lovely,

    Hope DD had a great birthday.

    You amaze me with everything you do even more so when lil one is poorly.

    You are both an inspiration xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6350.00 Cap 1: £407.72 BC: £6224.59
    AFD xxx LTW 4/17
    POAMAYC 2018 #041 PD £5970.32/£7000
    Savings for Christmas £161.42/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • earthgirl
    • By earthgirl 10th Mar 18, 10:00 AM
    • 1,992 Posts
    • 22,340 Thanks
    earthgirl
    Hope DD is getting a bit better and you are an amazing mum!
    15/5/12 Paid off Mortgage 1 (£220k) Dec 13 - £116,508 Bought Dream House Dec 14 - £94, 402 (£22,106 offset in 2014) Jan 16 - £67, 852 (£26,550 offset in 2015) Dec 16 - £33,529 ( £34,323offset in 2016)
    Jan 17 - £39, 773 (Re-estimation of endowments )
    Sept 17 £22,619 Jan 18 - £11,687 Mar 18 -£8524
    Kids savings 13,578/36k
    • WannabeFree
    • By WannabeFree 10th Mar 18, 10:41 AM
    • 1,527 Posts
    • 13,166 Thanks
    WannabeFree
    Thank you so much for the replies. I was worried it would offend someone It's just hard looking back at photos etc that this time 4 years ago she was the 'perfect healthy' newborn. We where all so excited etc. Yet we only got 2 weeks of the happiness before it was taken away and what a journey it's been since!

    Anyway she seems to still be going in the right direction again. We are mainly dealing with the side effects of the meds (yep not even 2 hours sleep ) Least she's feeling better though.

    Mse ways have mainly been stuck too. Didn't eat takeaways or spend on lots of rubbish. She loved her birthday gifts/cards and cake. I think she had an amazing day even if the most was spent in her downstairs bed. She loves the attention.

    Hope everyone is well, will try and catch up over the weekend x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Toni'sfriend
    • By Toni'sfriend 10th Mar 18, 10:44 AM
    • 1,246 Posts
    • 12,125 Thanks
    Toni'sfriend
    Nice to see you back . Hope the wee one continues to improve.
    • WannabeFree
    • By WannabeFree 10th Mar 18, 10:47 AM
    • 1,527 Posts
    • 13,166 Thanks
    WannabeFree
    March Goals

    Money (Balances 1st March)

    Council Tax £2450 £2400 (£50 paid)
    Rent £3040 £2990 (£50 paid)

    Budget
    Food £100 -
    Spends £40* -

    Savings
    £100 - Holiday fund

    Plans
    1st March - DD School trip Cancelled now the 15th
    2nd March - DS Birthday
    2nd March - World book day Cancelled
    4th March - DS Party
    8th March - Youngest Birthday
    11th March - Mothers Day
    15th March - DD school trip
    16th March - Mum's Birthday
    30th March - Holiday

    To Pay
    £375 Rent (£250 Paid)
    £80 Council Tax (£50 Paid)
    £70 Virgin
    £30 Gas (£30 Done)
    £40 Electric (£40 Done)
    £20 Bill 1 (£20 Paid)
    £40 Bill 2
    £0 Bill 3 (£135 Paid)
    £0 Bill 4 (£20 Paid)
    £50 Bill 5 (£50 paid)
    ? Taxi's (Should be the last month of it being loads)

    Planned Spends
    £15 - Mothers day

    Unplanned Spends
    £7.39 - Planner and diary
    £9 - Parcel postage
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • WannabeFree
    • By WannabeFree 10th Mar 18, 10:52 AM
    • 1,527 Posts
    • 13,166 Thanks
    WannabeFree
    Yesterday was 10 months into debt busting.

    The only debt's left now are

    Council Tax £2400 (£1319.12 being 18/19 bill)
    Rent arrears £2990 (Which nearly half are the court costs so wasn't included in my balance up until these last few weeks)

    So actual Debt is less than half of those numbers. All going in the right direction

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • XSpender
    • By XSpender 10th Mar 18, 12:58 PM
    • 2,965 Posts
    • 30,335 Thanks
    XSpender
    You are making great progress, well done x
    Action Plan Part 1 - Clear First 3 Balances
    Target Debt Lloyds (Me) Part 1 £666.22/£0
    Target Debt Virgin (Me) Part 1 £1176.49/£0
    Target Debt Virgin (Me) Part 2 £1038/£995
    Big black hole of debt - £53,515.15 @ 16.12.17 £52,811.64 @ 28.02.18, £50,638.77 @ 28.03.18, £49,778.78 @ 20.04.18, £46,093.32 @ 18.05.18
    • Toni'sfriend
    • By Toni'sfriend 10th Mar 18, 2:53 PM
    • 1,246 Posts
    • 12,125 Thanks
    Toni'sfriend
    Very well done. I really can't believe how well you've done. You're such an inspiration.
    • abba1772
    • By abba1772 10th Mar 18, 4:41 PM
    • 4,725 Posts
    • 16,216 Thanks
    abba1772
    Go wannabe you're doing ever do well xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £4152.74
    • Sun Addict
    • By Sun Addict 10th Mar 18, 4:52 PM
    • 5,717 Posts
    • 37,315 Thanks
    Sun Addict
    You've done so well, despite all the setbacks. You should be so proud of what you've achieved xx
    Virtual Sealed Pot 2018 £250.33
    Debt £2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund £2000/£10,000
    • PositiveBalance
    • By PositiveBalance 10th Mar 18, 8:01 PM
    • 710 Posts
    • 3,628 Thanks
    PositiveBalance
    You've done brilliantly and will continue to do so, I have no doubt.

    Nice one, Wannabe! :clap:
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £3997.54
    Emergency Fund (#187): £0/£1000
    Terrimundi: £30.00ish
    • Suffolk lass
    • By Suffolk lass 11th Mar 18, 8:07 AM
    • 1,968 Posts
    • 20,585 Thanks
    Suffolk lass
    Yesterday was 10 months into debt busting.

    The only debt's left now are

    Council Tax £2400 (£1319.12 being 18/19 bill)
    Rent arrears £2990 (Which nearly half are the court costs so wasn't included in my balance up until these last few weeks)

    So actual Debt is less than half of those numbers. All going in the right direction

    x
    Originally posted by WannabeFree
    You are going really well. Now you have those other straggly bits nailed I would start building a bit more of an emergency fund so that you have a bit in reserve if something breaks or an unexpected bill hits you. I really don't know how you do it though. Really well done. x
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save £12k in 2018 #53 - after March 19.96% £1,996.19/£10,000 5.04% behind
    OS Grocery Challenge 2018 spent £721.33/£3,000 including stores so far 24.04% of my annual budget at the end of April
    My DFD is here
    • beanielou
    • By beanielou 11th Mar 18, 3:37 PM
    • 53,926 Posts
    • 213,426 Thanks
    beanielou
    Balances looking good
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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.
    • mummytogirls
    • By mummytogirls 11th Mar 18, 3:55 PM
    • 6,164 Posts
    • 22,538 Thanks
    mummytogirls
    Happy Mothers Day WF xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • Cumbria lass
    • By Cumbria lass 11th Mar 18, 5:58 PM
    • 1,787 Posts
    • 10,712 Thanks
    Cumbria lass
    Happy Mother's Day WF . How is the youngest now ?
    CC1 £3655 April 2018.
    • PositiveBalance
    • By PositiveBalance 11th Mar 18, 7:03 PM
    • 710 Posts
    • 3,628 Thanks
    PositiveBalance
    Happy Mother's Day, Wannabe: I hope that you are being spoiled rotten!
    Original debt to source: £11,640.02; debt repaid: £6201.01 (53%); remaining debt: £5439.01
    0% CC balance: £4999.67 now £3997.54
    Emergency Fund (#187): £0/£1000
    Terrimundi: £30.00ish
    • 117pauline
    • By 117pauline 11th Mar 18, 8:29 PM
    • 649 Posts
    • 7,230 Thanks
    117pauline
    Just caught up with you. Very busy with three birthdays without the hospital visits etc.

    I agree with everyone else that you are an inspiration.

    Hope you have had a fantastic day and that you have been thoroughly spoilt.

    Take care honey, have a great week
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • UncannyScot
    • By UncannyScot 12th Mar 18, 8:12 AM
    • 1,413 Posts
    • 7,921 Thanks
    UncannyScot
    Morning missus

    You're doing grand.
    Have a great day
    (((((HUGS)))))
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • jwil
    • By jwil 12th Mar 18, 2:02 PM
    • 8,504 Posts
    • 25,999 Thanks
    jwil
    Those new debt totals are brilliant, well done

    Glad DD enjoyed her birthday xx
    "If you can dream it, you can do it". Walt Disney
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 12th Mar 18, 8:05 PM
    • 8,793 Posts
    • 51,349 Thanks
    please-let-me-be-lucky
    Just popping by to see how you are. Hope all is well Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 26/60
    Best win so far - holiday to Florida
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