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    • Bobarella
    • By Bobarella 25th Jul 16, 7:16 PM
    • 10,442Posts
    • 69,766Thanks
    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
    • 3,376 Posts
    • 14,833 Thanks
    I'm a bit belated but I am so pleased things are better Bob!! xx
    PAID VERY, Barclaycard x3, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Original Debt: £0/31010.23 (100% paid)
    Mortgage - £158.900.00 (2017/2018 O/P £3343.61) PAYDBX 17 - £18,442.82
    PAYDBX 18 #006 £2682.82/£4000
    • parsniphead
    • By parsniphead 27th Oct 17, 3:46 PM
    • 2,358 Posts
    • 14,991 Thanks
    Fantastic news Bob. Long may it continue. It must feel like a weight has lifted.
    Don't let yourself be controlled by three things: people, money or past experiences.

    2018 My year of creation, living life and learning.

    I stopped waiting for the light at the end of the tunnel and lit that b*tch up myself.
    • NoOneAround
    • By NoOneAround 9th Nov 17, 10:23 AM
    • 1,727 Posts
    • 8,375 Thanks
    So good to hear! Long may it last
    NOA x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    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
    • 5,869 Posts
    • 21,868 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: £6650.00 Cap 1: £433.67 BC: £6692.75
    AFD 1/10 LTW 6/16
    POAMAYC 2018 #041 PD £3500.84/£7000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • WannabeFree
    • By WannabeFree 22nd Nov 17, 4:37 PM
    • 1,290 Posts
    • 10,724 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
    • 1,195 Posts
    • 7,333 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
    • 297 Posts
    • 1,605 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: £0!!!
    Loan Debt: £6,052.36
    Savings: £200.00
    • hugglemonster
    • By hugglemonster 3rd Dec 17, 1:30 PM
    • 351 Posts
    • 1,617 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
    • 1,698 Posts
    • 10,310 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 - Ad Hoc Savings for Retirement! - £0
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • WannabeFree
    • By WannabeFree 5th Feb 18, 1:06 PM
    • 1,290 Posts
    • 10,724 Thanks
    Hope things are well with you BOB we miss you
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • boxofpaws
    • By boxofpaws 16th Mar 18, 7:38 PM
    • 492 Posts
    • 2,107 Thanks
    First of all, sorry to all the people whose hopes I have just raised, thinking Bob has posted.

    But Bob, where are you? Please let us know how things are going. We still miss you.

    Debt 03/01/17 = £42000
    Debt today = £27,819.22
    • Seasidegal58
    • By Seasidegal58 16th Mar 18, 8:40 PM
    • 1,698 Posts
    • 10,310 Thanks
    Awh... I did think you were back bob.

    But thank you paws for bumping the thread.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings for Retirement! - £0
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Suffolk lass
    • By Suffolk lass 17th Mar 18, 6:53 AM
    • 1,807 Posts
    • 19,799 Thanks
    Suffolk lass
    Me too. Sometimes people come back with a new name. If that happens they can always PM one or two of their loyal forum-friends to tell them
    MFiT T4 #2 update 51.75% after Q8 £5,203 behind where I should be
    Save £12k in 2018 #53 - after Jan £634.93/£10,000
    OS Grocery Challenge 2018 spent £238.47/£3,500 including stores so far
    My DFD is here
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