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
    • 2,046Posts
    • 18,653Thanks
    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 96
    • PositiveBalance
    • By PositiveBalance 6th May 18, 8:18 PM
    • 831 Posts
    • 4,254 Thanks
    PositiveBalance
    Hallelujah to drying outdoors. I'm beside myself I am so happy!

    I'm glad you have all had fun. It's not this fine often so you have to make the most of it while you can!
    Original debt to source: ú11,640.02; debt repaid: ú6771.01 (58%); remaining debt: ú5069.01
    0% CC balance: ú4999.67 now
    ú2799.40 (44% repaid)
    Emergency Fund (#187): ú500/ú500
    Terrimundi: fleeced!
    • beanielou
    • By beanielou 6th May 18, 8:37 PM
    • 58,942 Posts
    • 244,820 Thanks
    beanielou
    Glad you had a lovely day. Things are so much better when the sun is shining
    Originally posted by Sun Addict
    Agreed
    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 7th May 18, 2:31 PM
    • 2,046 Posts
    • 18,653 Thanks
    WannabeFree
    Lovely to see the sun still shining

    Thank you for the lovely comments.

    We are having a home day today. Smalls are outside playing while we do bits to the garden. We've added more to the treehouse and built swings onto it this weekend. (all free ) Need to try and make some more seating in there for them though as they have too many friends for seats now

    I really wanted to pop to the supermarket for salad things But I think I've been talked out of it and dinner will be all the leftover bits and things that need using up. Grocery shop coming tomorrow so I'm sure I can wait for the salad. I do really want some though

    Hope everyone has had a lovely weekend

    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th May 18, 6:48 PM
    • 6,513 Posts
    • 47,359 Thanks
    HairyHandofDartmoor
    It sounds like you're having a lovely weekend Wannabe. It makes such a difference when the weather is nice. The tree house and swings sound amazing .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = ú58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = ú17
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 7th May 18, 8:12 PM
    • 58,942 Posts
    • 244,820 Thanks
    beanielou
    It sounds like you're having a lovely weekend Wannabe. It makes such a difference when the weather is nice. The tree house and swings sound amazing .
    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.***
    • Sun Addict
    • By Sun Addict 7th May 18, 9:18 PM
    • 6,429 Posts
    • 44,865 Thanks
    Sun Addict
    Treehouse and swings sound absolutely fantastic. Your smalls are going to have such happy childhood memories. Well done for being such a brilliant mum
    Virtual Sealed Pot 2010 ú21.63
    Debt ú1880
    Weight loss 0/6LBS
    Emergency Fund ú4000/ú10,000
    • WannabeFree
    • By WannabeFree 8th May 18, 11:02 AM
    • 2,046 Posts
    • 18,653 Thanks
    WannabeFree
    Ah I hope they do have good memories SA, as long as they are happy

    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 8th May 18, 11:06 AM
    • 2,046 Posts
    • 18,653 Thanks
    WannabeFree
    Morning

    Lovely weather again today, it surprised me the news said rain! Not complaining though. Washing hung out and the grass cleaned

    Smalls in school happy and well Even youngest has got a bit of a tan this weekend! They had factor 50 on but older two are like me and tan really well/easily where as youngest is really ghost white

    Sainsbugs coming at lunch time - finally have some salad ú60.05 spent Does include my cans of diet coke and dog food though!

    I still haven't sorted something to wear! and it's a week today!

    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 8th May 18, 1:37 PM
    • 2,204 Posts
    • 13,037 Thanks
    Cherryfudge
    Sounds like a super weekend! Love the treehouse and swings - and all the kids getting out to play.

    Enjoy your salad
    MFW #30 Paid off ú3,942.07/ú3000 as of 3/12/18
    • WannabeFree
    • By WannabeFree 9th May 18, 1:06 PM
    • 2,046 Posts
    • 18,653 Thanks
    WannabeFree
    Today marks 1 year since coming to sort this mess

    Debt 09/05/2017 VS Debt 09/05/2018

    Council Tax ú2092.71 ú1066 (ú1026.71 paid)
    Court Fine ú1250 ú725 (ú525 Paid)
    Court Fine ú200 (ú200 Paid)
    Person 1 ú1000 (ú1000 paid)
    Person 2 ú1000 (ú1000 paid)
    Person 3 ú1379 (ú1379 paid)
    Person 4 ú427 (ú427 paid)
    Debt Total ú7348.71 ú1791 (ú5557.71 Paid)

    Rent Arrears ú3381.28 ú2640 (ú741.28 paid)

    Total ú10729.99 ú4431 (ú6298.99 Paid)

    *Person 4 ú575 ú575 Paid
    *New Debt ú732 ú732 Paid
    *Debt 1 ú387.29 ú387.29 Paid
    *Debt 2 ú1451.40 ú1451.40 Paid
    *Debt 3 ú1137.73 ú1137.73 Paid
    *EDF ú3140.65 ú3140.65 Paid

    Total ú18154.06 ú4431 (ú13723.06 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.

    Over the last 12 months lots has changed, not just the debt. The household situation has shifted lots. Youngest has had some good and bad times health wise. Me and youngest have had some scary results and things. Overall we are so much happier as a family. We have holidays planned, they had an amazing Xmas and birthdays and while I do still have ups and downs with my MH I think the bigger picture is we are all better off for the changes that have been made.

    I've made some amazing friends that will hopefully be friends for life

    Thank you
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • enthusiasticsaver
    • By enthusiasticsaver 9th May 18, 1:22 PM
    • 7,428 Posts
    • 16,372 Thanks
    enthusiasticsaver
    Great update and well done you on clearing more than 75% of that debt. Do you have an arrangement re clearing council tax and rent arrears?
    Sounds like your littlest is doing better healthwise now.
    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
    • GeorgianaCavendish
    • By GeorgianaCavendish 9th May 18, 1:47 PM
    • 622 Posts
    • 3,945 Thanks
    GeorgianaCavendish
    Well done Wannabe! You've done so well, you work so hard at everything and deserve all your success.
    • jwil
    • By jwil 9th May 18, 2:23 PM
    • 9,369 Posts
    • 30,328 Thanks
    jwil
    Happy MSE anniversary! You've done really well
    "If you can dream it, you can do it". Walt Disney
    • Cherryfudge
    • By Cherryfudge 9th May 18, 3:34 PM
    • 2,204 Posts
    • 13,037 Thanks
    Cherryfudge
    You've come a long way, lovely lady
    MFW #30 Paid off ú3,942.07/ú3000 as of 3/12/18
    • beanielou
    • By beanielou 9th May 18, 3:49 PM
    • 58,942 Posts
    • 244,820 Thanks
    beanielou
    Gold star to you
    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.***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th May 18, 7:23 PM
    • 6,513 Posts
    • 47,359 Thanks
    HairyHandofDartmoor
    I'm so delighted that things are looking up for you Wannabe, you've done so well and overcome many obstacles .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = ú58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    EMERGENCY FUND = ú17
    "Tough times never last, but tough people do" - Robert H Schuller
    • sashybo
    • By sashybo 9th May 18, 9:41 PM
    • 2,879 Posts
    • 21,069 Thanks
    sashybo
    Well done W. You've done brilliantly over a year.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - ú11,430 extra paid off debt. Total Debt paid off ú55,420
    Loan ú1087.20, CC 0% BT ú340, Car loans ú20,025.59

    Have a Debt Free Diary to try & keep spending in check.
    • UncannyScot
    • By UncannyScot 10th May 18, 9:01 AM
    • 1,712 Posts
    • 9,453 Thanks
    UncannyScot
    YOU have done brilliantly over the past year missus
    YOU RISE
    (((((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.
    • beanielou
    • By beanielou 10th May 18, 9:36 AM
    • 58,942 Posts
    • 244,820 Thanks
    beanielou
    Hope today is a good day for you
    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.***
    • Sun Addict
    • By Sun Addict 10th May 18, 9:00 PM
    • 6,429 Posts
    • 44,865 Thanks
    Sun Addict
    You've done amazingly well Lots of ups and downs but that's life and you've come through it
    Virtual Sealed Pot 2010 ú21.63
    Debt ú1880
    Weight loss 0/6LBS
    Emergency Fund ú4000/ú10,000
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

3,844Posts Today

7,685Users online

Martin's Twitter