Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Bobarella
    • By Bobarella 25th Jul 16, 7:16 PM
    • 7,961Posts
    • 51,142Thanks
    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.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
Page 17
    • Bobarella
    • By Bobarella 11th Oct 16, 11:21 PM
    • 7,961 Posts
    • 51,142 Thanks
    Bobarella
    You need a cape with SB on it!
    Originally posted by f0xh0les
    Why was my first thought Swag Bucks???
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Bobarella
    • By Bobarella 11th Oct 16, 11:26 PM
    • 7,961 Posts
    • 51,142 Thanks
    Bobarella
    Phew! I'm tired just reading that

    Hope everyone is feeling much better today and that you got some sleep last night.

    The business is really taking off, what is it that you're doing?
    Originally posted by Purplemumof2
    Thank you everyone is now well. Horray!

    I am running a hire business essentially. It is taking off its true. Thanks for all your encouragement
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Bobarella
    • By Bobarella 11th Oct 16, 11:27 PM
    • 7,961 Posts
    • 51,142 Thanks
    Bobarella
    Yay Bob has a diary - I've been away a while, but have subscribed. Hope everyone has had a vomit free day!
    Originally posted by Ratison
    Wow nice to see you. It's been ages Are you back for good or just passing through?
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Bobarella
    • By Bobarella 11th Oct 16, 11:32 PM
    • 7,961 Posts
    • 51,142 Thanks
    Bobarella
    Today was lovely and leisurely. Lots of nice chilled time this morning. Visited the library with DD for stories.

    Had a late party enquiry which is great as I thought October was done. Looks like another week long event for November too.

    We had a relaxing evening with a movie on Netflix & that's it for today.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Bobarella
    • By Bobarella 12th Oct 16, 8:26 AM
    • 7,961 Posts
    • 51,142 Thanks
    Bobarella
    Morning All

    Another clear day in the diary. I won't know myself. The guys left at 7.30 & I am currently lolling in bed with DD. We usually start the day looking at books. DD loves stories.

    I feel some more planning is needed to keep myself on track for these last almost 3 months remaining of 2016. I acknowledge 2017 but want to wring every drop from this year too.

    More as I think of it

    Bob
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Bobarella
    • By Bobarella 12th Oct 16, 7:03 PM
    • 7,961 Posts
    • 51,142 Thanks
    Bobarella
    Such a good day. A party confirmed and the deposit is coming and a pencilled in booking also sending theirs. Excitingly had a very cool enquiry about use for a photographic gallery pop up. And my ad on Gumtree which has been on since July with no interest suddenly resulted in an enquiry.

    Have spent the day feeling so happy and excited. Its amazing that I can earn money at the same time as spending all day with my daughter and doing the pick up for my son every day. I may not be earning a fortune yet but I feel very lucky to be where I am right now.

    I also managed to chip my debt under the £1k mark with a £26 payment. I am curious to know how close I can get it to £0 by Christmas. Bob's mini challenge starts here!!
    Last edited by Bobarella; 12-10-2016 at 7:05 PM.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • kirtsypoos
    • By kirtsypoos 12th Oct 16, 7:29 PM
    • 1,711 Posts
    • 6,581 Thanks
    kirtsypoos
    Bob I'm so pleased that things seem to be coming together for you with the business! It must be lovely knowing that you can spend the time with your children whilst knowing you are still earning.

    HUGE congrats on getting under £1000 too - fantastic news
    £2100/3000 OH BC(30.00% PAID) £1600/3851 B/C (58.45% PAID)
    £570/1000 Tesco (43% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7670/31010.23 (75.26% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14812.15/£10000
    • crazy_cat_lady
    • By crazy_cat_lady 12th Oct 16, 7:29 PM
    • 2,993 Posts
    • 20,384 Thanks
    crazy_cat_lady
    Bob - I'm so pleased that you're all well again and that things are going so very well at the moment. Your happiness is quite infectious...
    And brilliant to see that debt into 3 figures now.
    NST Nov #2 NSD 16/14 DFD 6 Nov 15 - paid £28,447 Wombling '16 #28 (£634.37)
    • PurpleFairy26
    • By PurpleFairy26 12th Oct 16, 8:54 PM
    • 1,330 Posts
    • 8,630 Thanks
    PurpleFairy26
    Bob so thrilled to see you in 3 figures

    And hoorah to all the enquiries - may they soon become bookings with cash paid
    CC1 paid off April '16. Debt on 0% card deal ends March '18, so DF date is also March '18, because we'll be saving the rest
    • Purplemumof2
    • By Purplemumof2 12th Oct 16, 10:16 PM
    • 3,923 Posts
    • 11,522 Thanks
    Purplemumof2
    Bob that's excellent and you're in the triple zone now

    I'm sure you'll be able to smash your debt by Christmas or at least come very darn close. Well done xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £8850.00 Overdraft: £2750.00

    15 NSD - 8/15, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • Bobarella
    • By Bobarella 12th Oct 16, 10:34 PM
    • 7,961 Posts
    • 51,142 Thanks
    Bobarella
    Thank you all. The best thing about you lot is you are lovely when things are pants and even lovelier when they are good.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Purplemumof2
    • By Purplemumof2 13th Oct 16, 6:39 AM
    • 3,923 Posts
    • 11,522 Thanks
    Purplemumof2
    Thank you all. The best thing about you lot is you are lovely when things are pants and even lovelier when they are good.
    Originally posted by Bobarella
    Couldn't have said it better myself Hun xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £8850.00 Overdraft: £2750.00

    15 NSD - 8/15, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • hugglemonster
    • By hugglemonster 14th Oct 16, 10:57 AM
    • 99 Posts
    • 401 Thanks
    hugglemonster
    Glad everyone has recovered from the bugs, and great news on the business picking up and being in 3 figures, keep up the good work and enjoy snuggles with dd.

    H x
    Debt:
    Computer £646.52 - now £377.62
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • Bobarella
    • By Bobarella 14th Oct 16, 6:25 PM
    • 7,961 Posts
    • 51,142 Thanks
    Bobarella
    Glad everyone has recovered from the bugs, and great news on the business picking up and being in 3 figures, keep up the good work and enjoy snuggles with dd.

    H x
    Originally posted by hugglemonster
    Huggle! Where have you been? Hold that thought off to read your update.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Bobarella
    • By Bobarella 15th Oct 16, 8:48 PM
    • 7,961 Posts
    • 51,142 Thanks
    Bobarella
    Hi Everyone

    Busy old day today as I had an event on. It went really well and I was home by about 3.

    I have done a mini dance of celebration today as I have paid my big business bills for the month (rent and rates) 100% from cash flow. Which is the first month I have managed it.

    Not masses to report. Hope everyone is keeping out of the rain that seems to be setting in here.

    Bob
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Ratison
    • By Ratison 15th Oct 16, 9:40 PM
    • 229 Posts
    • 1,015 Thanks
    Ratison
    Some good numbers there Bob - the £999 to go in particular! Hope you have a good Sunday planned too.

    I'll be sticking around I think - on the TTC thread, though could do with building up some savings too, so I'll pop back into the daily DFW thread too!
    Debt free date: 8th June 2015

    Bathroom Fund: £4500
    • Bobarella
    • By Bobarella 15th Oct 16, 10:17 PM
    • 7,961 Posts
    • 51,142 Thanks
    Bobarella
    Thank you Ratty. Good luck with becoming pregnant. I hope it happens very soon.
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
    • Purplemumof2
    • By Purplemumof2 16th Oct 16, 7:22 AM
    • 3,923 Posts
    • 11,522 Thanks
    Purplemumof2
    Morning,

    You had a great day yesterday

    Lots of rain this end too.
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £8850.00 Overdraft: £2750.00

    15 NSD - 8/15, 10 LSD - 3/10, 15 AFD - 1/15, Lunches to work 9/20

    20p Savers 2016 £2 Savers 2016 50p Savers 2016 SPC 9 2016 #003
    • hugglemonster
    • By hugglemonster 16th Oct 16, 4:16 PM
    • 99 Posts
    • 401 Thanks
    hugglemonster
    Well done on paying bills from income, what a great position to be in. Hope you've had a nice relaxing day today, rain here too but only when I've put the washing out!!

    H x
    Debt:
    Computer £646.52 - now £377.62
    Overdraft 1 £2200 Overdraft 2 £1200 Credit card £2200
    • Bobarella
    • By Bobarella 16th Oct 16, 9:47 PM
    • 7,961 Posts
    • 51,142 Thanks
    Bobarella
    Hi Guys

    Thanks Huggle and PM02

    It has been a nice day again. Rained a lot which meant OH had to put off going to do a job at the flat we rent out as it was an outside job. He has been shattered all day and went to bed for 2 hours this afternoon. Either he is feeling the pace of a few bad nights with madam or he isn't over the bug we all had last weekend. It does worry me when he is really exhausted. He is overdue for his health check up (since May) and with his Dad's sudden diagnosis it does make you a little nervous.Im sure he is just tired and nothing more.

    Managed to get two loads done and onto the line although the constant showers meant they didn't entirely dry. Still it's all helpful for keeping an eye on the pennies.

    Had a lovely chat with DS over a hot chocolate. It's great when they open up about their lives.

    Did a roast chicken for dinner and an Eton mess to use up a container of double cream I was given. DD was a bit of a pain and has only just gone to sleep so not much of an evening. But still a good day overall.

    Bob
    £800 to pay =70% repaid
    RR 2016 #2 December £0.17 2016-£55.16 2015- £84.20)
    Wombling Free 2016#5 £2,227.06 2015 £1027.20
    NST December
    PAYDBX #7 £1890.53/£2,700 (70%)
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,641Posts Today

5,689Users online

Martin's Twitter