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  • FIRST POST
    • Bobarella
    • By Bobarella 25th Jul 16, 6:16 PM
    • 10,129Posts
    • 64,788Thanks
    Bobarella
    Budget Wars - A New Hope (with apologies to George Lucas)
    • #1
    • 25th Jul 16, 6:16 PM
    Budget Wars - A New Hope (with apologies to George Lucas) 25th Jul 16 at 6:16 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 6:34 PM.
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.32 2016-£62.28 2015- £84.20)
    RYSAW17 £1478.40 2016 £2,535.16 2015 £1027.20
Page 73
    • Bobarella
    • By Bobarella 29th Mar 17, 8:08 AM
    • 10,129 Posts
    • 64,788 Thanks
    Bobarella
    Morning All

    Having chased up my rates enquiry I just heard from the agent to say he's completed work on my file last week and I should be getting a revised bill from my council very soon. But he didn't say whether it was revised good or revised bad. I have that sick feeling again now.

    Will be back later if I hear more.

    Bob
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.32 2016-£62.28 2015- £84.20)
    RYSAW17 £1478.40 2016 £2,535.16 2015 £1027.20
    • kirtsypoos
    • By kirtsypoos 29th Mar 17, 9:08 AM
    • 2,380 Posts
    • 9,636 Thanks
    kirtsypoos
    I have a very positive feeling for you Bob - and will keep everything crossed in the meantime
    £1700/3000 OH BC(43.33% PAID) £2680/3851 B/C (30.40% PAID)
    MBNA £2470/3795.64 (34.92% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D, Tesco & MBNA PAID
    LBM 24/07/15 - Debt: £6850/31010.23 (77.91% paid)
    Mortgage - £164,920.00 (O/P £300.64 so far) PAYDBX 17 #006 - £2808.18/£10000
    • TalesfromtheAvenue
    • By TalesfromtheAvenue 29th Mar 17, 10:07 AM
    • 51 Posts
    • 200 Thanks
    TalesfromtheAvenue
    Fingers crossed for you Bob, I can't imagine it would be a negative thing if they've revised it though. Hope it's amazing-next-to-nought-to-pay-revised for you
    • Verbatim
    • By Verbatim 29th Mar 17, 1:24 PM
    • 4,377 Posts
    • 12,236 Thanks
    Verbatim
    Couldn't be revised up. Must be down. Don't worry.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
    • 1LuckyLady
    • By 1LuckyLady 29th Mar 17, 5:21 PM
    • 359 Posts
    • 3,766 Thanks
    1LuckyLady
    Fab news on being debt neutral Bob & fingers crossed the revised rates are positive for you!
    Sticking with the "Small things" thread to keep up us on the straight and narrow.
    • crazy_cat_lady
    • By crazy_cat_lady 29th Mar 17, 5:29 PM
    • 3,559 Posts
    • 24,919 Thanks
    crazy_cat_lady
    Everything crossed for a massive rate drop coming your way.
    NST April coming up RYSAW17 #1 £210.12 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • Treadingonplaymobil
    • By Treadingonplaymobil 29th Mar 17, 5:51 PM
    • 432 Posts
    • 2,778 Thanks
    Treadingonplaymobil
    There's no way it's going to be revised up, the only issue is whether it's revised down a tiny bit or a lot. Fingers crossed it's a lot!
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th February 2017/DFD: £67,031.92/1st December 2026
    debt on 6/3/17/DFD: £65,836.53/1st August 2026
    • f0xh0les
    • By f0xh0les 29th Mar 17, 7:50 PM
    • 732 Posts
    • 4,921 Thanks
    f0xh0les
    Make sure you read the letter at arm's length, then the numbers will definitely be smaller

    Get you, being all debt-neutral.
    MFW May£118,340 A£117 S£116 N£115, D£114 J£114 Feb £113,500 M £112,800 April .....
    SPC #59
    Very Special Agent Womble #15 NST#9
    Competition wins..0 Free Amazon vouchers £7 YouGov £33.50 (£50 Nov) Tesco £8.00
    • Bobarella
    • By Bobarella 30th Mar 17, 7:56 AM
    • 10,129 Posts
    • 64,788 Thanks
    Bobarella
    Morning

    No news yesterday in the end.... Thanks for all the reassurance.

    Bob
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.32 2016-£62.28 2015- £84.20)
    RYSAW17 £1478.40 2016 £2,535.16 2015 £1027.20
    • angelpye
    • By angelpye 30th Mar 17, 9:45 AM
    • 988 Posts
    • 3,459 Thanks
    angelpye
    Congratulations on being debt neutral! Fingers crossed you hear from council soon, waiting is horrid!
    Happiness is wanting what you have...
    Debt Jan 2017: £2589.22 DFD: Sept 2022 April 2022 but this Marching Minimalist can beat that!
    Use it or Loose it gym target: Feb'17 5/6 Mar 4/6
    EF £0/£4200
    • greent
    • By greent 30th Mar 17, 11:51 AM
    • 5,608 Posts
    • 56,714 Thanks
    greent
    Fingers crossed that the revision is:
    a- downwards and
    b - a goodly amount!

    xx
    Repaid mtge early (originally 11/25) Bal 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    Next up: BTL Mtge. Op Bal £69786. Cur Bal £68286 - 2017 target £0/£3286
    Net sales 2017 £368.68/£500 PAYDOX17 £6558/£10k Mar GC £355.16/£400 NSD 14 Decluttered 455/2017 items
    • Bobarella
    • By Bobarella 30th Mar 17, 3:29 PM
    • 10,129 Posts
    • 64,788 Thanks
    Bobarella
    Great news on being debt neutral. Wow to your energy levels and yes pro activity! Great idea on office overspill etc. Hope the bookings roll in soon.
    Vx
    Originally posted by Verbatim
    Sorry, realised I didn't reply yesterday. Thanks a lot.

    Oh Bob! That's fantastic news.......Well done hun

    xx
    Originally posted by Purplemumof2
    Thank you

    Well done Bob
    Originally posted by chanie
    Thanks
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.32 2016-£62.28 2015- £84.20)
    RYSAW17 £1478.40 2016 £2,535.16 2015 £1027.20
    • Bobarella
    • By Bobarella 30th Mar 17, 3:31 PM
    • 10,129 Posts
    • 64,788 Thanks
    Bobarella
    Fingers crossed that the revision is:
    a- downwards and
    b - a goodly amount!

    xx
    Originally posted by greent
    Hope so!

    Congratulations on being debt neutral! Fingers crossed you hear from council soon, waiting is horrid!
    Originally posted by angelpye
    Thanks Angel.


    Make sure you read the letter at arm's length, then the numbers will definitely be smaller

    Get you, being all debt-neutral.
    Originally posted by f0xh0les
    Ha ha, yes maybe that's the way to do it.
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.32 2016-£62.28 2015- £84.20)
    RYSAW17 £1478.40 2016 £2,535.16 2015 £1027.20
    • Bobarella
    • By Bobarella 30th Mar 17, 3:33 PM
    • 10,129 Posts
    • 64,788 Thanks
    Bobarella
    There's no way it's going to be revised up, the only issue is whether it's revised down a tiny bit or a lot. Fingers crossed it's a lot!
    Originally posted by Treadingonplaymobil
    Hummmm we had some concerns about whether our Zone A was bigger than they thought. Although Zone B definitely is smaller than they thought. But unfortunately the cost per square metre is a lot higher in zone A hence my trepidation. You know when you just think why did I put my hand up in the first place? Let's see.

    Everything crossed for a massive rate drop coming your way.
    Originally posted by crazy_cat_lady
    Thanks Cat.

    Fab news on being debt neutral Bob & fingers crossed the revised rates are positive for you!
    Originally posted by 1LuckyLady
    Thank you
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.32 2016-£62.28 2015- £84.20)
    RYSAW17 £1478.40 2016 £2,535.16 2015 £1027.20
    • Bobarella
    • By Bobarella 30th Mar 17, 3:37 PM
    • 10,129 Posts
    • 64,788 Thanks
    Bobarella
    Fingers crossed for you Bob, I can't imagine it would be a negative thing if they've revised it though. Hope it's amazing-next-to-nought-to-pay-revised for you
    Originally posted by TalesfromtheAvenue
    Thank you

    Couldn't be revised up. Must be down. Don't worry.
    Originally posted by Verbatim
    Thanks

    Bob, as regards another job have you considered mystery shopping? I do it now and again to top up my income. Its not easy money by any means but it is very flexible and you can fit it in around other things.
    Originally posted by Sanchsoot49
    Thanks very much for the suggestion. Do you have any recommendations for which agencies to register with?
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.32 2016-£62.28 2015- £84.20)
    RYSAW17 £1478.40 2016 £2,535.16 2015 £1027.20
    • Bobarella
    • By Bobarella 30th Mar 17, 3:46 PM
    • 10,129 Posts
    • 64,788 Thanks
    Bobarella
    Yeah to bob amazingness
    Originally posted by PurpleFairy26
    Thank you PF
    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £52.32 2016-£62.28 2015- £84.20)
    RYSAW17 £1478.40 2016 £2,535.16 2015 £1027.20
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