It's a sad day today

Private_and_Confidential · 1 October 2009 at 1:17PM

Hi All.

It's been a long old while since I posted on this forum, and it's a sad day today, the day I realise that a) I should never have departed from MSE and b) I'm in a worse position now than I was when I first met MSE.

I wont go into pointless detail, all I will state is that through generally living an okay lifestyle (holiday, clothes for my little girl, decorating and fitting my little girls bedroom) and being stupid with my business accounts (i.e. not saving any tax money) I'm in a crappy place right now.

I've just had to do some serious juggling to make the accounts balance, how long they remain balanced for is an unknown right now.

A strange hour this last hour. I'm here moving a hundred pounds or so around here and there, but in the bank I overheard a customer enquiring about the best way for her to invest her £11000, then in the Post Office another customer was unable to withdraw any cash from her account. Many extremes, and all playing havoc with my mind.

Nothing more to say really. I'm just going to have to deal with it. I'm afraid to upate my autosig, but I will..... soon.

This has been brewing for a few weeks now, and I've progressively been getting more and more down about the situation. Even my wife has noticed there's something not right with me.

I'm just sounding off here, nothing else really, I guess sometimes you just need to get things off of your chest and this is so far the best and most descreet way of doing so.

Is the answer to earn more money or spend less? I think probably right now it's a combo of the two. I love my two girls so much, but I'm relly letting them down right now.

Thanks for listening (reading). Hopefully this can be an LBM for me and that things will start to get better.

BOBS · 1 October 2009 at 1:21PM

Dont want to just read and run.

Sorry to hear your story but I pray that things will start to improve for you.

Seems you do have a great family so when you are feeling low think of them!!

(((((((((HUGS))))))))))

dancingfairy · 1 October 2009 at 1:31PM

Don't despair - welcome back by the way :hello: - maybe you just had a slip up/lost your way a bit? maybe your budget was just tooo tight before and you needed to let go for a while? Anyway - no shame in that - just need to get back on the Waggon again.
No doubt you learnt lots first time around you can use this time - and as for the kids - you'll be showing them that when times get tough you have to dig in and that fancy stuff is not always the most important thing in life.
Good Luck
df

YORKSHIRELASS · 1 October 2009 at 1:41PM

Becoming debt free is a tough (and sometimes lonely) journey. Speaking from personal experience its all too easy to fall off the wagon, convince yourself things are not really that bad and start to stick your head in the sand again. Think positive, at least you have come back here with the intention of trying again. Good luck, lets keep fighting those debts one step at a time and some day we will have the spare cash to do whatever we want.

vdubmad · 1 October 2009 at 1:45PM

Sorry to hear you are so down about things. The best thing is that you realise where you are right now and know that action has to be taken to resolve things. Everyone on here will support you and offer a shoulder whenever needed. I think most of us have experience this feeling but it WILL get better, be a little more savvy with the shopping, free wheel when neccesary (obivously with care!) to save petrol and have talk to your family. I was scared to do that for years but they now know my true situation and they support me.
Keep your chin up and vent whenever needed!

Sending you a squish

fakeplastictwee · 1 October 2009 at 1:49PM

I'm sorry I don't know much about you or your situation as I'm new here, but I just wanted to say that I don't think you're letting your children down.

It's YOU they need, not your wallet. I learnt a lot from my mum when I was younger, she always had to juggle things around to get the bills paid and I didn't always get what all the other kids had, but it did me no harm and I think I'm a more rounded person for it, and really learnt the value of money through her.

Private_and_Confidential · 1 October 2009 at 2:31PM

So after making my initial post, I thought I'd forget about it and crack on with some housework, that'll please my wife for when she comes home from work (I have a day off today) and we can have a nice evening together.

Thanks for your lovely comments - I know this would happen, from experience, all of the MSE clan are super-supportive of each other which is a great motivator, and great to know I can bob on here at any time and sound off.

I'm working up a plan (I think this stems from my Project Management job), a plan is important.

I'll bounce back from this (maybe after I've been delivered a few more blows though - I can feel it coming - eek).

munkiemunkie81 · 1 October 2009 at 2:53PM

You will bounce back - you're obviously not the kind of person to bury your head for long.

Good luck with getting back on track.

You are not letting anyone down x

yellowduck_2 · 1 October 2009 at 11:06PM

Hi, you family are lucky to have you, you sound so thoughtful and kind. My son is grown up now and what he recalls with great happiness is the things we did together rather than the things I bought (or could not afford to buy him). Of course it impacts on family life when we are struggling with and worrying about money, but I hope you are feeling a bit better now. I send you warm wishes

property.advert · 2 October 2009 at 12:11AM

It is not easy and I'm not where I want to be to even start the road to recovery but I feel I'll get there.

Your project management experience will be useful. I build Excels spreadsheets, databases and run scenario testing which all shows that I've been a dumb !!! and hopefully shows me a potentially brighter future. It is my kid keeping me going and I keep going for her.

SarahNeedle1872 · 2 October 2009 at 9:33AM

Hiya P&C, try not to be too down on yourself, you are not letting the ladies in your life down. Sometimes things do go backwards before they go forward.... I have twice as much debt as I did when I came here, due to having to buy a new car, but because of MSE I could afford to fit it into my budget.

Try not to dwell too much on whats happened and look towards the future

Sx

It's a sad day today

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