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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 1,388Posts
    • 11,623Thanks
    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 90
    • beanielou
    • By beanielou 15th Apr 18, 7:08 PM
    • 52,680 Posts
    • 206,712 Thanks
    beanielou
    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
    Originally posted by WannabeFree
    It is paid though & thats ALL that matters.
    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.
    • UncannyScot
    • By UncannyScot 15th Apr 18, 7:53 PM
    • 1,368 Posts
    • 7,589 Thanks
    UncannyScot
    It is paid though & thats ALL that matters.
    Originally posted by beanielou
    Absolutely ^^^^
    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.
    • Cumbria lass
    • By Cumbria lass 15th Apr 18, 8:52 PM
    • 1,668 Posts
    • 9,814 Thanks
    Cumbria lass
    It's paid , end off !

    What sort of dog are you getting ? Bet the kids are really excited .

    Hope the children get to school ok tomorrow and are much better.
    CC1 ú3655 April 2018.
    • charlies tribe
    • By charlies tribe 15th Apr 18, 10:17 PM
    • 753 Posts
    • 5,521 Thanks
    charlies tribe
    Hope the children are all feeling better now. Good luck with DD appointment. Hopefully you will have some better answers once you've seen another doctor.

    I love the excitement of waiting for a new puppy and the amount of times we changed our minds on their names.
    LBM in April 17 - ú6655/ú33554 (19.8%) paid.
    2018 PAID OFF TARGET ú1031/ú5000 (20.6% paid)
    SPC #591
    • jwil
    • By jwil 16th Apr 18, 4:44 PM
    • 8,401 Posts
    • 25,492 Thanks
    jwil
    Well done on the debt payments

    Hope DD gets some answers too x
    "If you can dream it, you can do it". Walt Disney
    • WannabeFree
    • By WannabeFree 16th Apr 18, 5:08 PM
    • 1,388 Posts
    • 11,623 Thanks
    WannabeFree
    Thank you

    Officially accepted youngest's school place. Have a meeting to discuss her needs in June. Fingers crossed.

    I really wanted takeaway for dinner tonight But I've spent enough today! Smalls choose jacket potato and salad with different toppings. Easy enough at least.

    Smalls are playing for a while before bath time. I could fall asleep sat up today So tired!

    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 16th Apr 18, 7:01 PM
    • 52,680 Posts
    • 206,712 Thanks
    beanielou
    I am really tired too.
    Loved a baked tattie
    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.
    • earthgirl
    • By earthgirl 17th Apr 18, 6:19 PM
    • 1,955 Posts
    • 21,955 Thanks
    earthgirl
    You are not a fraud you work so hard to get everything done and pay down the debts too!

    Aww a puppy will be cute.
    15/5/12 Paid off Mortgage 1 (ú220k) Dec 13 - ú116,508 Bought Dream House Dec 14 - ú94, 402 (ú22,106 offset in 2014) Jan 16 - ú67, 852 (ú26,550 offset in 2015) Dec 16 - ú33,529 ( ú34,323offset in 2016)
    Jan 17 - ú39, 773 (Re-estimation of endowments )
    Sept 17 ú22,619 Jan 18 - ú11,687 Mar 18 -ú8524
    Kids savings 13,578/36k
    • WannabeFree
    • By WannabeFree 19th Apr 18, 1:14 PM
    • 1,388 Posts
    • 11,623 Thanks
    WannabeFree
    Struggling with life again I am so fed up of the lows and stupidly highs too.

    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 19th Apr 18, 1:31 PM
    • 52,680 Posts
    • 206,712 Thanks
    beanielou
    Sorry that things are tough for you.
    Keep plodding.
    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.
    • Sun Addict
    • By Sun Addict 19th Apr 18, 7:25 PM
    • 5,586 Posts
    • 35,927 Thanks
    Sun Addict
    Sorry to hear you're feeling down, take it one day at a time, big hugs and positive vibes 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 19th Apr 18, 8:30 PM
    • 3,873 Posts
    • 25,720 Thanks
    HairyHandofDartmoor
    Life is a process of ups and downs, remember that being down is always followed by an up eventually.

    Lovely news about the puppy .

    At least having them at the same school will be convenient for you. My DC were at three different schools at one time and one holiday they all broke up on a different day, it was a right pain .
    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
    • jwil
    • By jwil 20th Apr 18, 2:20 PM
    • 8,401 Posts
    • 25,492 Thanks
    jwil
    Sorry to hear you are feeling down, hugs xx
    "If you can dream it, you can do it". Walt Disney
    • beanielou
    • By beanielou 20th Apr 18, 8:32 PM
    • 52,680 Posts
    • 206,712 Thanks
    beanielou
    Hope you have had a lovely sunny day.
    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.
    • abba1772
    • By abba1772 21st Apr 18, 5:24 PM
    • 4,648 Posts
    • 15,789 Thanks
    abba1772
    Aww wonderful puppy news xx
    NEXT TARGET HALIFAX CC WAS July 17 ú3572.57 NOW ú983.26
    POAMAYC 2011 ú6382.66 POAMAYC 2012 ú5000.78
    POAMAYC 2013 ú3480.04 POAMAYC 2014 ú4085.14
    POAMAYC 2015 ú7565.24 POAMAYC 2016 ú8000.90
    POAMAYC 2017 ú7278.80 POAMAYC 2018 ú4012.74
    • Sun Addict
    • By Sun Addict 21st Apr 18, 6:15 PM
    • 5,586 Posts
    • 35,927 Thanks
    Sun Addict
    Hope you're feeling a bit more positive today 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
    • WannabeFree
    • By WannabeFree 21st Apr 18, 9:33 PM
    • 1,388 Posts
    • 11,623 Thanks
    WannabeFree
    Thank you

    I just don't think I'll ever learn

    All my own fault.

    x
    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 21st Apr 18, 10:01 PM
    • 1,612 Posts
    • 8,521 Thanks
    Cherryfudge
    Sounds like a bad day Whatever you feel about things being your fault, remember you've done a lot of positive things too - like being a lovely mum to your kids, and the help and support you give people here. Sending hugs xx
    MFW #30 Paid off ú1270/ú3770 as of April 2018
    • please-let-me-be-lucky
    • By please-let-me-be-lucky 21st Apr 18, 10:04 PM
    • 8,762 Posts
    • 51,030 Thanks
    please-let-me-be-lucky
    Big hugs Xx
    Debts @ LBM ú23,729.31. Debts @ 08/04/2016 ú0

    NSDs achieved in 2018 25/60
    Lbs lost 16/107.
    Savings for Florida ú220.00/ú1000
    • Eager_Elephant
    • By Eager_Elephant 22nd Apr 18, 7:40 AM
    • 4,332 Posts
    • 24,373 Thanks
    Eager_Elephant
    ((Wannabe))

    Remember if you do what you have always done you get what you have always got.

    Do you think being so low has clouded your judgement?
    When you are positive and motivated you seem to manage decisions really well.

    I think the other problem is that we all like to see the good in everyone so even if past experience tells us that things wont work out we have that hope inside that actually on this occasion it will be ok.

    Are you looking after your health? Are you eating correctly as lack of food means low energy which leads to lack of motivation etc
    Are you taking your medication? Do you get another sleep (littlies permitted)?
    Ninja Saving Turtle No. 34 for April
    NSD - 0/15
    (up to 2/4/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
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