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  • FIRST POST
    • Bobarella
    • By Bobarella 25th Jul 16, 7:16 PM
    • 10,473Posts
    • 69,438Thanks
    Bobarella
    Budget Wars - A New Hope (with apologies to George Lucas)
    • #1
    • 25th Jul 16, 7:16 PM
    Budget Wars - A New Hope (with apologies to George Lucas) 25th Jul 16 at 7:16 PM
    A New Hope is a very fitting title for my first ever DFW diary. For the first time in around 18 months I really have hope. I am one of those people who has always seen September as the start of the year. Because of back to school I suppose. And this year is the first September I can honestly say I am 100% looking forward to in years.

    My situation is complicated but to simplify, I took the enormous step to not only become self employed but to sell my family home to finance my new business in 2011. I turned my back on a very well paid career to go out on my own.
    In that period I have had many challenges. Gone to hell and back owing wages and HMRC. Dont worry the wages were paid back long ago as quickly as I could. And I repaid HMRC.
    The stress of being responsible for other peoples lives is intense if you've never been there. At my lowest point I deactivated my voicemail to avoid the energy company being able to contact me.

    At one point I owed around £40,000 all business related. Primarily on a loan, but some CC.

    Time and again I bashed my head against my mental bars and wondered if I could physically carry on. But I did. Through hell and high waters. Quite literally in fact....

    This last year has not been easy. I worked as the sole employee of my business during my entire pregnancy with DD and went into labour whilst still at work. When my baby was 4 months old I got seriously ill and spent a week in hospital. My lovely FIL was diognosed with the big C 2 months ago. And life has wobbled along precariously as always.

    The reason for my new hope is I finally made a big decision. To stop the business I am running & build another. It wont be easy but it will get me out of the hole I am in & allow me to take on paid employment around the new business. I have 4 days left of my old situation and then good night vienna!

    I love MSE. It and the people of it have been such a comfort. And now I am hoping to use this diary as a place for me to record my baby steps towards a life less stressful, adrenaline filled & chaotic.

    Bob
    Last edited by Bobarella; 25-07-2016 at 7:34 PM.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
Page 98
    • crazy_cat_lady
    • By crazy_cat_lady 21st Sep 17, 6:19 PM
    • 3,330 Posts
    • 28,597 Thanks
    crazy_cat_lady
    So lovely to hear from you Bob - although sorry times are still tough. My fingers are very firmly crossed for good news on the rates front.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • Seasidegal58
    • By Seasidegal58 21st Sep 17, 7:22 PM
    • 795 Posts
    • 4,073 Thanks
    Seasidegal58
    So pleased to see you posting again bob. Hope all goes well with the appeal.

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Scott_Weiland
    • By Scott_Weiland 21st Sep 17, 7:42 PM
    • 550 Posts
    • 1,146 Thanks
    Scott_Weiland
    Great to see you posting Bob
    Debts 16274.64
    Cashback Earnings YTD £162.02 Survey Earnings YTD £485.18
    • f0xh0les
    • By f0xh0les 22nd Sep 17, 2:07 PM
    • 934 Posts
    • 6,688 Thanks
    f0xh0les
    Experience is never wasted Bobs.

    Whether you continue or not.

    Hugs.
    MFW May 16 £118,340
    September 17 - £109,896.73
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