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  • FIRST POST
    • WannabeFree
    • By WannabeFree 21st Nov 17, 11:04 AM
    • 1,801Posts
    • 15,884Thanks
    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
    • Suffolk lass
    • By Suffolk lass 11th May 18, 5:01 AM
    • 2,150 Posts
    • 22,325 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 90.89% after Q11 against revised stretch target of ú60k balance
    Save ú12k in 2018 #53 83.33% ú9,999.70/ú12,000 (after upping my target from ú10k to ú12k in October)
    OS Grocery Challenge 2018 spent ú1,696.43/ú3,000 including stores 67.14% of my annual budget at the end of Oct.
    My DFD is here
    • beanielou
    • By beanielou 11th May 18, 2:00 PM
    • 57,948 Posts
    • 238,368 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 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. MFW 2018. No 144
    • PositiveBalance
    • By PositiveBalance 11th May 18, 3:02 PM
    • 828 Posts
    • 4,206 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: ú6771.01 (58%); remaining debt: ú5069.01
    0% CC balance: ú4999.67 now
    ú2799.40 (44% repaid)
    Emergency Fund (#187): ú500/ú500
    Terrimundi: fleeced!
    • Cherryfudge
    • By Cherryfudge 11th May 18, 11:44 PM
    • 2,060 Posts
    • 11,938 Thanks
    Cherryfudge
    All very quiet Wannabe... hope you and the littlies are okay? xx
    MFW #30 Paid off ú3,535.94/ú3000 as of 6/11/18
    • armchairexpert
    • By armchairexpert 12th May 18, 6:32 AM
    • 800 Posts
    • 5,276 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
    • 1,692 Posts
    • 9,180 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
    • 57,948 Posts
    • 238,368 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 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. MFW 2018. No 144
    • EssexHebridean
    • By EssexHebridean 15th May 18, 12:19 PM
    • 8,718 Posts
    • 46,058 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/ú1035.63 (09/07/18)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Cherryfudge
    • By Cherryfudge 15th May 18, 1:36 PM
    • 2,060 Posts
    • 11,938 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 ú3,535.94/ú3000 as of 6/11/18
    • beanielou
    • By beanielou 15th May 18, 5:43 PM
    • 57,948 Posts
    • 238,368 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 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. MFW 2018. No 144
    • Sun Addict
    • By Sun Addict 15th May 18, 7:48 PM
    • 6,309 Posts
    • 43,475 Thanks
    Sun Addict
    Hope you found a dress/outfit and that today has been a good one xx
    Virtual Sealed Pot 2018 ú404.08
    Debt ú2180
    Weight loss 0/6LBS
    Emergency Fund ú4000/ú10,000
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th May 18, 8:36 PM
    • 5,663 Posts
    • 39,870 Thanks
    HairyHandofDartmoor
    Hope everything is okay Wannabe.
    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
    • RosaBernicia
    • By RosaBernicia 15th May 18, 8:52 PM
    • 3,596 Posts
    • 9,951 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 4.8% ...
    Campervan loan progress 6%

    • WannabeFree
    • By WannabeFree 16th May 18, 4:38 PM
    • 1,801 Posts
    • 15,884 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
    • 2,215 Posts
    • 24,268 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) Bought Dream House Dec 13 - Mortage 2 -ú116,508. 15/7/18 Mortgage Free Again
    Kids savings 13,578/36k
    2k Monthly buffer 2k/2k 5k Travel savings ú3203/5k
    • WannabeFree
    • By WannabeFree 16th May 18, 9:19 PM
    • 1,801 Posts
    • 15,884 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
    • 57,948 Posts
    • 238,368 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 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. MFW 2018. No 144
    • Cherryfudge
    • By Cherryfudge 16th May 18, 11:48 PM
    • 2,060 Posts
    • 11,938 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 ú3,535.94/ú3000 as of 6/11/18
    • Cumbria lass
    • By Cumbria lass 17th May 18, 8:05 PM
    • 2,385 Posts
    • 14,683 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 ú3500 Nov 2018.
    • Suffolk lass
    • By Suffolk lass 17th May 18, 8:27 PM
    • 2,150 Posts
    • 22,325 Thanks
    Suffolk lass
    Aren't you supposed to be able to dry your phone in a bowl of uncooked long grain rice? - it works in salt pots to stop them clogging up!
    MFiT T4 #2 update 90.89% after Q11 against revised stretch target of ú60k balance
    Save ú12k in 2018 #53 83.33% ú9,999.70/ú12,000 (after upping my target from ú10k to ú12k in October)
    OS Grocery Challenge 2018 spent ú1,696.43/ú3,000 including stores 67.14% of my annual budget at the end of Oct.
    My DFD is here
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