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    • Bobarella
    • By Bobarella 25th Jul 16, 7:16 PM
    • 10,450Posts
    • 69,709Thanks
    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.

    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 100
    • kirtsypoos
    • By kirtsypoos 27th Oct 17, 3:22 PM
    • 3,189 Posts
    • 14,164 Thanks
    I'm a bit belated but I am so pleased things are better Bob!! xx
    £70/3000 OH BC(97.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £70/31010.23 (99.77% paid)
    Mortgage - £159,999.99 (2017/2018 O/P £2777.07) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £684.91/£4000
    • parsniphead
    • By parsniphead 27th Oct 17, 3:46 PM
    • 2,311 Posts
    • 14,688 Thanks
    Fantastic news Bob. Long may it continue. It must feel like a weight has lifted.
    Nothing gets better until you get better.

    2018 My year of creation, living life and learning.

    The purpose of life is to create a life of purpose. Richard Gregg
    • NoOneAround
    • By NoOneAround 9th Nov 17, 10:23 AM
    • 1,634 Posts
    • 7,876 Thanks
    So good to hear! Long may it last
    NOA x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £66,996=7.62%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £173,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • Purplemumof2
    • By Purplemumof2 22nd Nov 17, 3:33 PM
    • 5,536 Posts
    • 20,159 Thanks
    Hi Bob,

    Just popping by to day hello Hope you're ok? xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6900.00 Cap 1: £467.97 BC: £6900.00

    AFD 4/14 NSD 8/17 LTW 9/17
    POAMAYC 2018 #041 PD £878.17/£4000
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • WannabeFree
    • By WannabeFree 22nd Nov 17, 4:37 PM
    • 395 Posts
    • 5,589 Thanks
    Hope everything's going well Bob x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • UncannyScot
    • By UncannyScot 22nd Nov 17, 6:27 PM
    • 981 Posts
    • 6,220 Thanks
    We are missing you over 'ere...
    Hope all continues well
    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.
    • JWPopps
    • By JWPopps 29th Nov 17, 11:20 AM
    • 284 Posts
    • 1,519 Thanks
    Hi Bob,

    I've also vanished off here a little as late, with work stress and home life stress. Like you, I often wish I had more time to post! So I am utterly delighted that your last post was full of all lovely news. You work so hard, and you deserve it!
    Credit Card Debt: £882.80
    Loan Debt: £6,052.36
    Savings: £186.48
    • hugglemonster
    • By hugglemonster 3rd Dec 17, 1:30 PM
    • 350 Posts
    • 1,601 Thanks
    Just checking in to say I hope all is continuing to go well and you are all OK, H x
    Debt: Overdraft 2 £1200/ now £805.34 Credit card £2200 now £2050 Car - £8825.44
    PAID - Computer £646.52, Overdraft 1 £2200
    Emergency fund: £50 General savings: £50
    • Seasidegal58
    • By Seasidegal58 27th Dec 17, 8:21 PM
    • 1,400 Posts
    • 8,129 Thanks
    I hope you and your family had a wonderful Christmas bob and all is well with you.

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

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
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