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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 1,976Posts
    • 18,075Thanks
    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 89
    • earthgirl
    • By earthgirl 14th Apr 18, 11:31 AM
    • 2,253 Posts
    • 24,606 Thanks
    earthgirl
    So sorry to hear about the children being ill.
    Hope they are recovering well.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 2k/2k Travel savings £18,168
    • abba1772
    • By abba1772 14th Apr 18, 2:38 PM
    • 5,390 Posts
    • 20,246 Thanks
    abba1772
    Oh no hope the kiddiewinkies feel better soon xx
    NEXT TARGET VERY WAS Dec 18 £591.94 NOW £122.39
    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 £12794.70
    • WannabeFree
    • By WannabeFree 14th Apr 18, 4:48 PM
    • 1,976 Posts
    • 18,075 Thanks
    WannabeFree
    Thanks all

    Another week has nearly passed. DS is much better and will be back to school on Monday. Youngest is still stuck with a nasty chest infection and her appointment didn't go as well as I had hoped. Will know more on the 18th May when we see another new specialist.

    All minimum payments have been met, so at least everything is still going in the right direction.

    Hope everyone else is well
    Will try and catch up abit x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Apr 18, 4:52 PM
    • 6,392 Posts
    • 46,328 Thanks
    HairyHandofDartmoor
    Great news that DS is better, but sorry about the youngest. I hope you're finding some time to look after yourself Wannabe.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • WannabeFree
    • By WannabeFree 14th Apr 18, 6:37 PM
    • 1,976 Posts
    • 18,075 Thanks
    WannabeFree
    I'm trying HH. I think it's a long wait to find answers. Answers that could be life changing iykwim?

    I mean she's always been a worry obviously but this isn't something small. I guess I should be greatful we've pushed in the waiting list and got one in May some people wait months and months.
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Apr 18, 7:23 PM
    • 6,392 Posts
    • 46,328 Thanks
    HairyHandofDartmoor
    I really hope you find out what's going on so that she can have the best possible treatment. Try not to worry too much.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • earthgirl
    • By earthgirl 14th Apr 18, 7:23 PM
    • 2,253 Posts
    • 24,606 Thanks
    earthgirl
    Hope things With youngest improve. Everything crossed!
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 2k/2k Travel savings £18,168
    • beanielou
    • By beanielou 14th Apr 18, 8:51 PM
    • 58,773 Posts
    • 243,742 Thanks
    beanielou
    I really hope you find out what's going on so that she can have the best possible treatment. Try not to worry too much.
    Originally posted by HairyHandofDartmoor
    From me too.
    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.***
    • WannabeFree
    • By WannabeFree 14th Apr 18, 9:37 PM
    • 1,976 Posts
    • 18,075 Thanks
    WannabeFree
    Okay a bit late but 11 months into debt busting. This is what we look like..

    Debt 09/05/2017 VS Debt 14/04/2018

    Council Tax £2092.71 £1144 (£948.71 paid)
    Court Fine £1250 £755 (£495 Paid)
    Court Fine £200 (£200 Paid)
    Person 1 £1000 (£1000 paid)
    Person 2 £1000 (£1000 paid)
    Person 3 £1379 (£1379 paid)
    Person 4 £427 (£427 paid)
    Debt Total £7348.71 £1899 (£5449.71 Paid)

    Rent Arrears £3381.28 £2740 (£641.28 paid)

    Total £10729.99 £4639 (£6090.99 Paid)

    *Person 4 £575 £575 Paid
    *New Debt £732 £732 Paid
    *Debt 1 £387.29 £387.29 Paid
    *Debt 2 £1451.40 £1451.40 Paid
    *Debt 3 £1137.73 £1137.73 Paid
    *EDF £3140.65 £3140.65 Paid

    Total £18154.06 £4639 (£13515.06 Paid)

    *As more comes out from under the carpet I will update here.


    Some of these as you know where cleared with help etc. But it places the picture of how things stand today compared to when I started. Only the Council Tax and Rent are mine. The fine isn't.
    “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 14th Apr 18, 9:51 PM
    • 1,976 Posts
    • 18,075 Thanks
    WannabeFree
    I don't really have a list of goals this month. I haven't even thought about it to be honest. Maybe daily lists are the way to go for now. One step at a time/one day at a time.

    Just opening my post and my credit union savings account is open and youngest has got into the same school as the other two. A bit dissapointed as this wasn't my first choice, however it is okay.

    I have a confession .. We have a puppy coming to us on the 29th

    All 'looking after' expenses should be covered by smalls dad. However I have enough room in the budget should it be needed. Our old girl is well old and after her surgery to remove some cancer on her girly bits last year has she her age suddenly hit her. We aren't replacing our girl. That isn't what I mean but we do hope the pup can learn some of old girls good behaviour and manners

    Anyway confession over .. better than a pregnancy of my own I guess
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • sashybo
    • By sashybo 14th Apr 18, 11:57 PM
    • 2,877 Posts
    • 21,063 Thanks
    sashybo
    A daily list sounds like a good idea W but maybe just a small one so you don't feel stressed out if you don't/can't get things done.

    Aww a puppy sounds lovely & great that smalls dad is paying the expenses. Hope it's not too much hard work but maybe your old girl will help keep the newcomer in line. As you know I have cats so I'm not very clued up on dog behaviour although I love them. They're so enthusiastic whereas cats really...aren't.

    Fingers crossed for youngest's appointment in May.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £11,420 extra paid off debt. Total Debt paid off £55,410
    Loan £1087.20, CC 0% BT £350, Car loans £20,025.59

    Have a Debt Free Diary to try & keep spending in check.
    • Cherryfudge
    • By Cherryfudge 15th Apr 18, 12:27 AM
    • 2,182 Posts
    • 12,868 Thanks
    Cherryfudge
    Lots of good wishes for you and youngest - a tough time though you know you have lots of support here.

    I'm sorry she didn't get the first choice of school and I remember there are lots of additional expenses with the academy though I suppose it may make things more straightforward in other ways. Only one place to deliver them all to, and you know the staff, and she will have her siblings there who she already knows.

    As for the puppy, how exciting! Do the children know?
    MFW #30 Paid off £3,942.07/£3000 as of 3/12/18
    • Suffolk lass
    • By Suffolk lass 15th Apr 18, 8:31 AM
    • 2,217 Posts
    • 22,871 Thanks
    Suffolk lass
    Okay a bit late but 11 months into debt busting. This is what we look like..

    Debt 09/05/2017 VS Debt 14/04/2018

    Council Tax £2092.71 £1144 (£948.71 paid)
    Court Fine £1250 £755 (£495 Paid)
    Court Fine £200 (£200 Paid)
    Person 1 £1000 (£1000 paid)
    Person 2 £1000 (£1000 paid)
    Person 3 £1379 (£1379 paid)
    Person 4 £427 (£427 paid)
    Debt Total £7348.71 £1899 (£5449.71 Paid)

    Rent Arrears £3381.28 £2740 (£641.28 paid)

    Total £10729.99 £4639 (£6090.99 Paid)

    *Person 4 £575 £575 Paid
    *New Debt £732 £732 Paid
    *Debt 1 £387.29 £387.29 Paid
    *Debt 2 £1451.40 £1451.40 Paid
    *Debt 3 £1137.73 £1137.73 Paid
    *EDF £3140.65 £3140.65 Paid

    Total £18154.06 £4639 (£13515.06 Paid)

    *As more comes out from under the carpet I will update here.


    Some of these as you know where cleared with help etc. But it places the picture of how things stand today compared to when I started. Only the Council Tax and Rent are mine. The fine isn't.
    Originally posted by WannabeFree
    Ooh, Well done with the debt repayments - 45% of the Council Tax paid, 74% of the overall debt and 18.9% of the rent arrears done - that is awesome.
    MFiT T4 #2 update 90.89% after Q11 against revised stretch target of £60k balance
    Save £12k in 2018 #53 108.06% £12,967.42/£12,000 (after upping my target from £10k to £12k in October)
    OS Grocery Challenge 2018 spent £2,410.06/£3,000 including stores 80.34% of my annual budget at the start of Dec.
    My DFD is here
    • WannabeFree
    • By WannabeFree 15th Apr 18, 10:28 AM
    • 1,976 Posts
    • 18,075 Thanks
    WannabeFree
    The children do know now Cherry, names are being argued discussed over. Wish I hadn't said anything

    I know in some ways youngest will be happier there. She knows people there from attending the nursery there this year. Her teachers she will be familiar with etc. I just feel there isn't the right support there for her. I understand it's because they are stretched (The reception class she's going into is 94 children. With 6 teachers and 3 assistants) so they do have a lot to keep them busy without having youngest. So the fight is back on for her to have a 1 to 1. As horrible as it sounds as long as she's happy and safe the education side of things doesn't concern me like it did for DD and DS (it is good in this area where as the school I'd chosen wasn't as good)

    I'm sure it will work out. I feel daft worrying about school when there's so much bigger things going on over her right now.

    Thank you Suffolk lass I still haven't remembered how to work it out The Rent arrears should drop more quickly now as thats where extra is going too. The council tax is set up to be clear in 12 months. x
    “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 15th Apr 18, 2:03 PM
    • 1,976 Posts
    • 18,075 Thanks
    WannabeFree
    Finally time to sit and watch the F1. I'm late today. Totally avoided all ways of finding out the result It spoils my whole fortnight if someone ruins it

    No Sunday roast today, not sure what we are having Probably make beef & ale pie.

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • Sun Addict
    • By Sun Addict 15th Apr 18, 2:47 PM
    • 6,412 Posts
    • 44,700 Thanks
    Sun Addict
    You're doing really well with the debt reduction

    Aw a puppy Bet the smalls are super excited.

    Hope everything goes well for the youngest small - she sure goes through the mill bless her xx
    Virtual Sealed Pot 2010 £13.14
    Debt £1880
    Weight loss 0/6LBS
    Emergency Fund £4000/£10,000
    • WannabeFree
    • By WannabeFree 15th Apr 18, 4:45 PM
    • 1,976 Posts
    • 18,075 Thanks
    WannabeFree
    Oh GOOD race today! Not for my poor Lewis though

    We are all a bit bored Might pop down to my sisters for a cuppa and catch up but that ruins a NSD as it will be £2.50 in a taxi.

    I'm glad I managed to get outside cleaned and the windows this morning. The rain has arrived now!

    Hope everyone else has had a good Sunday

    x

    SA Youngest has been through so much in her little life. It makes me sad. She doesn't let it stop her though and she's such a happy girl even if a little cheeky x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 15th Apr 18, 4:50 PM
    • 9,226 Posts
    • 55,810 Thanks
    please-let-me-be-lucky
    Well done on the debt repayments and yay to the puppy Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0

    NSDs achieved in 2018 40/60
    Best win so far - holiday to Florida
    • beanielou
    • By beanielou 15th Apr 18, 6:30 PM
    • 58,773 Posts
    • 243,742 Thanks
    beanielou
    Your totals are just awesome.
    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.***
    • WannabeFree
    • By WannabeFree 15th Apr 18, 7:00 PM
    • 1,976 Posts
    • 18,075 Thanks
    WannabeFree
    It will be much slower now Beanie, some where cleared with help and I don't have anything to sell anymore etc.

    It feels a bit of a fraud because I haven't actually paid it all myself

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
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