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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 1,534Posts
    • 13,210Thanks
    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 97
    • Sun Addict
    • By Sun Addict 10th May 18, 9:00 PM
    • 5,722 Posts
    • 37,416 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 2018 ú250.33
    Debt ú2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund ú2000/ú10,000
    • Suffolk lass
    • By Suffolk lass 11th May 18, 5:01 AM
    • 1,971 Posts
    • 20,595 Thanks
    Suffolk lass
    Today marks 1 year since coming to sort this mess


    Debt Total ú7348.71 ú1791 (ú5557.71 Paid)

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

    Total ú10729.99 ú4431 (ú6298.99 Paid)


    Total ú18154.06 ú4431 (ú13723.06 Paid)
    Originally posted by WannabeFree
    That is 75.63% debts paid
    21.19% rent arrears paid
    58.7&+% of your first total

    and 75.59% of your red total paid

    And a fantastic, pragmatic life post. Well done
    Last edited by Suffolk lass; 11-05-2018 at 5:03 AM.
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save ú12k in 2018 #53 - after March 19.96% ú1,996.19/ú10,000 5.04% behind
    OS Grocery Challenge 2018 spent ú721.33/ú3,000 including stores so far 24.04% of my annual budget at the end of April
    My DFD is here
    • beanielou
    • By beanielou 11th May 18, 2:00 PM
    • 53,939 Posts
    • 213,720 Thanks
    beanielou
    Happy Friday
    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.
    • PositiveBalance
    • By PositiveBalance 11th May 18, 3:02 PM
    • 710 Posts
    • 3,628 Thanks
    PositiveBalance
    That is 75.63% debts paid
    21.19% rent arrears paid
    58.7&+% of your first total

    and 75.59% of your red total paid

    And a fantastic, pragmatic life post. Well done
    Originally posted by Suffolk lass
    Ditto. That's astonishing progress given your circumstances.

    Massive congratulations!
    Original debt to source: ú11,640.02; debt repaid: ú6201.01 (53%); remaining debt: ú5439.01
    0% CC balance: ú4999.67 now ú3997.54
    Emergency Fund (#187): ú0/ú1000
    Terrimundi: ú30.00ish
    • Cherryfudge
    • By Cherryfudge 11th May 18, 11:44 PM
    • 1,701 Posts
    • 9,150 Thanks
    Cherryfudge
    All very quiet Wannabe... hope you and the littlies are okay? xx
    MFW #30 Paid off ú1,622.77/ú3770 as of 4/5/18
    • armchairexpert
    • By armchairexpert 12th May 18, 6:32 AM
    • 774 Posts
    • 5,019 Thanks
    armchairexpert
    WannaBe, I'm just popping in to share my congratulations as well. I'm particularly pleased to hear that you feel your MH is improving and your home life is more stable. I rarely post but always read your thread first when I pop in for a quick lurk.

    All best x
    MFW diary here. 1 Feb 2017 $229,371 - MFD Feb 2043 aiming for May 2028
    14 August 2017 - Refinanced: $220,000
    May 2018 $211,274.60 Current MFD 31 June 2035
    • UncannyScot
    • By UncannyScot 15th May 18, 7:56 AM
    • 1,415 Posts
    • 7,937 Thanks
    UncannyScot
    Hope you and the wee ones are doing ok and enjoying the good weather
    (((((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 15th May 18, 8:47 AM
    • 53,939 Posts
    • 213,720 Thanks
    beanielou
    Hope all is well with you.
    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.
    • EssexHebridean
    • By EssexHebridean 15th May 18, 12:19 PM
    • 8,678 Posts
    • 45,732 Thanks
    EssexHebridean
    Those are quite some figures WF - you deserve a huge, MASSIVE well done for that!

    Hope all is good and you're just taking a wee bit of time out.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 ú1229.00/ú944.19 (15/05/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Cherryfudge
    • By Cherryfudge 15th May 18, 1:36 PM
    • 1,701 Posts
    • 9,150 Thanks
    Cherryfudge
    Today is the day you wanted The Dress (or The Outfit) for, isn't it? Hope you found something you love and all has gone well.
    MFW #30 Paid off ú1,622.77/ú3770 as of 4/5/18
    • beanielou
    • By beanielou 15th May 18, 5:43 PM
    • 53,939 Posts
    • 213,720 Thanks
    beanielou
    Hope all has gone well today
    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.
    • Sun Addict
    • By Sun Addict 15th May 18, 7:48 PM
    • 5,722 Posts
    • 37,416 Thanks
    Sun Addict
    Hope you found a dress/outfit and that today has been a good one xx
    Virtual Sealed Pot 2018 ú250.33
    Debt ú2500
    May NSDs AFDs
    Weight loss 7/10LBS
    Emergency Fund ú2000/ú10,000
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th May 18, 8:36 PM
    • 4,119 Posts
    • 28,035 Thanks
    HairyHandofDartmoor
    Hope everything is okay Wannabe.
    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 = ú560.59/Emergency Fund 2 = ú0.21/Loss of Income Fund ú0
    • RosaBernicia
    • By RosaBernicia 15th May 18, 8:52 PM
    • 3,475 Posts
    • 9,231 Thanks
    RosaBernicia
    Wow, that's an impressive total for a year! Happy journey-versary

    Treehouse sounds FAB


    Rosa xx
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • WannabeFree
    • By WannabeFree 16th May 18, 4:38 PM
    • 1,534 Posts
    • 13,210 Thanks
    WannabeFree
    Thank you for all your replies i haven't had chance to read them yet but I will catch up asap
    x
    ôOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.ö
    • earthgirl
    • By earthgirl 16th May 18, 7:49 PM
    • 1,992 Posts
    • 22,347 Thanks
    earthgirl
    Just catching up, amazing one year totals!
    Well done doesn't cover it really, you are amazing!
    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 16th May 18, 9:19 PM
    • 1,534 Posts
    • 13,210 Thanks
    WannabeFree
    Yesterday was when I needed the outfits for. We had a totally amazing day and wasn't allowed to spend a penny. We had lovely food and a few too many drinks.. on a school night

    Lucky really as I need a new phone Always something. Youngest spilt a drink on it and now it has a mind of its own. I feel so lost!
    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 May 18, 9:35 PM
    • 53,939 Posts
    • 213,720 Thanks
    beanielou
    Glad you had a lovely day.
    I would be lost without my phone too.
    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.
    • Cherryfudge
    • By Cherryfudge 16th May 18, 11:48 PM
    • 1,701 Posts
    • 9,150 Thanks
    Cherryfudge
    Glad you had such a great time! Really sorry about the phone... I dropped my kindle in some water and it took months to dry completely but we got there in the end. The battery used to give up at about 75% after it got dunked but now it's almost normal - so there is hope for wet electronics. Did help that it had a holiday in the sun, lol.
    MFW #30 Paid off ú1,622.77/ú3770 as of 4/5/18
    • Cumbria lass
    • By Cumbria lass 17th May 18, 8:05 PM
    • 1,788 Posts
    • 10,769 Thanks
    Cumbria lass
    Good to hear you enjoyed your day. Not long now until half term and your next holiday. The good weather looks like lasting until then, so fingers crossed for you.
    CC1 ú3655 April 2018.
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