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  • FIRST POST
    • Bobarella
    • By Bobarella 25th Jul 16, 7:16 PM
    • 10,102Posts
    • 64,617Thanks
    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.
    £378 Debt free by 31/03/17 or bust
    Roadkill 17 £51.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1410.90 2016 £2,535.16 2015 £1027.20
    PAYDBX 7 #£397/£760 to go!!
    NST March1 4/15
Page 68
    • Bobarella
    • By Bobarella 12th Mar 17, 8:43 AM
    • 10,102 Posts
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    Bobarella
    Morning

    Just a quick post before I head back to work. Was there tidying up till 1am last night. But at least I am on top of things for the big event today. Can literally walk in the door and ready to go.

    I did manage to get the children's accounts closed that we missed the bank for last weekend, yesterday, so that is a positive.

    I also forgot to note that the joining incentive of £100 had been paid by DD so currently have £240 including the council tax break money sitting there in the final repayment pot. I keep leaning towards just doing it. But if can't hurt to wait a bit.

    We did also manage to take our family photo for the month, but we didn't realise the photo booth would print our picture out in tiny multiple images rather than a few big ones. So we have about 12 tiny family photos for March

    Hope everyone has a good day.

    Bob
    £378 Debt free by 31/03/17 or bust
    Roadkill 17 £51.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1410.90 2016 £2,535.16 2015 £1027.20
    PAYDBX 7 #£397/£760 to go!!
    NST March1 4/15
    • crazy_cat_lady
    • By crazy_cat_lady 12th Mar 17, 9:05 AM
    • 3,534 Posts
    • 24,747 Thanks
    crazy_cat_lady
    Have a good one Bob. Hope today goes well.
    NST Mar#8 NSD 3/16 Groceries £45.22 RYSAW17 #1 £199.35 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • sashybo
    • By sashybo 12th Mar 17, 9:33 AM
    • 2,172 Posts
    • 17,255 Thanks
    sashybo
    Ah Bob what a bummer about the rates rise. I hope the appeal is successful but it's the last you need really, isn't it?

    Sending you lots of positive vibes, if anyone can do it, you can. Have a dodgy hug too.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £7609 extra paid off debt.
    Loans 1 & 2 £7710.14, Car loans £25,500, Total Debt paid off £39,573.25
    • mummytogirls
    • By mummytogirls 12th Mar 17, 3:57 PM
    • 4,891 Posts
    • 13,556 Thanks
    mummytogirls
    Hope today goes smoothly and quickly Bob.

    Yay to you getting the bank accounts closed down finally as well as the £100 being paid xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £8453.84 - 02/02/17 - 63.50% paid off
    • PurpleFairy26
    • By PurpleFairy26 12th Mar 17, 5:07 PM
    • 1,519 Posts
    • 10,261 Thanks
    PurpleFairy26
    Lovely news in the £100 and the stash that takes you closer to DF. Hope the rates thing gets sorted soon and in your favour.
    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
    • Bobarella
    • By Bobarella 12th Mar 17, 6:58 PM
    • 10,102 Posts
    • 64,617 Thanks
    Bobarella
    Thanks Cat it did

    Sashy Awe thanks very much. Positive vibes much appreciated!

    Mummytogirls Thank you. It was a very busy one. Home now.Hope your feeling better?

    PF thank you. Hope your ok.
    £378 Debt free by 31/03/17 or bust
    Roadkill 17 £51.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1410.90 2016 £2,535.16 2015 £1027.20
    PAYDBX 7 #£397/£760 to go!!
    NST March1 4/15
    • JWPopps
    • By JWPopps 13th Mar 17, 1:53 PM
    • 138 Posts
    • 704 Thanks
    JWPopps

    Like all responsible parents I have a tiny horses harness and carriage and get DD to pull it all home She's a bit slow on her tiny legs but a lump of sugar works wonders.
    Originally posted by Bobarella
    ....I'm reconsidering this child-free thing...
    CC 1 £780 / CC 2 £0.00 /
    Overdraft £0 / Loan £7,500
    Savings: £70/£1000

    PAYDBX 2017 - #19 : 23% paid 1932.17/8280
    • Bobarella
    • By Bobarella 13th Mar 17, 2:27 PM
    • 10,102 Posts
    • 64,617 Thanks
    Bobarella
    Oh god...Had been having quite a nice 'relaxing' day (is it ever really, with a 2foot nutter on the loose?

    When what drops into my inbox but an email replying to my rates query. Worded as ' they need more information and it could entail a visit or complex rating calculations' I literally feel sick now. Apparently it could take up to 40 days for this to happen.

    The first new payment would be due on April 15th so only around a month till then now. Just want it resolved.

    Have to go out in a minute.

    I just don't know how I feel about any of it. On the one hand a successful weekends events. Everyone happy, some money made. On the other it is bone wearyingly hard work at times. Yesterday I was at work from 9.30 to around 3, with no break, a lot of cleaning and that was on the back of a night that ended at stupid o clock the night before.

    I'm all over the place. Me and DH never row, but he was getting really angry with me yesterday about the measuring up thing for the rates, and I was angry back because it's yet another thing I have to do on top of everything else.

    I don't believe in quitting and I've worked myself into the ground these last 5 years to try and deal with the situation my actions have created but I am at my wits end I think.

    Surely we go to work to be paid? Something which in all honesty I barely am.

    I know no one can tell anyone else what to do or how to live their lives so I'm more ranting really.

    Gotta go.

    Bob
    £378 Debt free by 31/03/17 or bust
    Roadkill 17 £51.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1410.90 2016 £2,535.16 2015 £1027.20
    PAYDBX 7 #£397/£760 to go!!
    NST March1 4/15
    • PurpleFairy26
    • By PurpleFairy26 13th Mar 17, 4:31 PM
    • 1,519 Posts
    • 10,261 Thanks
    PurpleFairy26
    Oh Bob that's rubbish, my experience the wheels of bureaucracy go very slowly....

    I definitely agree its not unreasonable to expect to be paid for work done. One of the main reason DH gave up his self employed income.

    Sending hugs x
    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
    • Bobarella
    • By Bobarella 13th Mar 17, 4:47 PM
    • 10,102 Posts
    • 64,617 Thanks
    Bobarella
    Oh Bob that's rubbish, my experience the wheels of bureaucracy go very slowly....

    I definitely agree its not unreasonable to expect to be paid for work done. One of the main reason DH gave up his self employed income.

    Sending hugs x
    Originally posted by PurpleFairy26
    Thanks PF for reading my rambling angry woman post!
    £378 Debt free by 31/03/17 or bust
    Roadkill 17 £51.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1410.90 2016 £2,535.16 2015 £1027.20
    PAYDBX 7 #£397/£760 to go!!
    NST March1 4/15
    • kirtsypoos
    • By kirtsypoos 13th Mar 17, 4:48 PM
    • 2,356 Posts
    • 9,560 Thanks
    kirtsypoos
    Oh god...Had been having quite a nice 'relaxing' day (is it ever really, with a 2foot nutter on the loose?

    Bob
    Originally posted by Bobarella
    I'm most amused by the above - tickled my Monday afternoon

    Oh Bob, I really feel for you with the rates issue - you run around constantly and can't possibly do anymore than you are doing but something like this can have such an effect on your morale and your fledgling business.

    I firmly believe that you will see a massive difference between now and next year with the amount of events you are having and the publicity generated but it's whether weathering the storm now is doable for you.

    Big hugs
    £1700/3000 OH BC(43.33% PAID) £2790/3851 B/C (27.55% PAID)
    MBNA £2500/3795.64 (34.13% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D, Tesco & MBNA PAID
    LBM 24/07/15 - Debt: £6990/31010.23 (77.45% paid)
    Mortgage - £164,950.00 (O/P £270.64 so far) PAYDBX 17 #006 - £2555.10/£10000
    • greent
    • By greent 13th Mar 17, 6:50 PM
    • 5,586 Posts
    • 56,533 Thanks
    greent
    Ah, Bob - hope they come out sooner rather than later - and that the result is favourable.

    Rant away whenever necessary.... 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 £324.64/£500 PAYDOX17 £6558/£10k Mar GC £292.03/£400 NSD 11 Decluttered 452/2017 items
    • hugglemonster
    • By hugglemonster 13th Mar 17, 7:20 PM
    • 209 Posts
    • 985 Thanks
    hugglemonster
    Sending you massive virtual hugs and lots of tea and cake, always good to let out your frustrations. I bet your dh is just as annoyed with have to appeal the measurements but you're the nearest one to rant to too!

    Hope you've managed to relax a little bit, doesn't get any better my dd is a 5ft nutter shimmying around the house

    I also hope the measuring is done as quickly as possible.

    H x
    Debt: Overdraft 2 £1200/650.00
    Overdraft 1 £2200 Credit card £2200 Computer £646.52 - PAID!!
    Emergency fund: £0 Holiday spends: £0
    • mummytogirls
    • By mummytogirls 13th Mar 17, 8:20 PM
    • 4,891 Posts
    • 13,556 Thanks
    mummytogirls
    Oh Bob, sorry your peaceful (ish) afternoon turned into a stress.

    Fingers crossed that the rates get lowered and then you can hopefully continue. I do agree though you do lots of running around xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £8453.84 - 02/02/17 - 63.50% paid off
    • boxofpaws
    • By boxofpaws 13th Mar 17, 10:03 PM
    • 323 Posts
    • 1,229 Thanks
    boxofpaws
    Bobarella, do not doubt yourself. Appeal, but even if the rates increase, you will still make a success of your business. Just look how far you've come already. I know it's hard work but look how much momentum it's gathering! You cannot give up, you simply can't, you inspire too many people on here.
    Debt 03/01/17 = £42000
    Debt today = £37924
    • Treadingonplaymobil
    • By Treadingonplaymobil 14th Mar 17, 5:02 AM
    • 401 Posts
    • 2,577 Thanks
    Treadingonplaymobil
    Hope you have a less stressful day today Bob. Big hugs.
    £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
    • Purplemumof2
    • By Purplemumof2 14th Mar 17, 5:22 AM
    • 4,303 Posts
    • 12,929 Thanks
    Purplemumof2
    Morning Bob,

    What a stressful time you're having at the moment, no wonder you're both snappy.

    Boo to the 40 days for a response, that ridiculous.

    Hope today's much calmer xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Verbatim
    • By Verbatim 14th Mar 17, 7:56 AM
    • 4,360 Posts
    • 12,163 Thanks
    Verbatim
    Hi Bob
    I'm in awe at your resourcefulness and energy. You're bound to have wobbles when setting up a business on your own is so scary, hard and fraught with difficulties.
    At some point, and only you will know when, you'll decide whether the business is going to provide a secure income commensurate with your input. Setting it up and getting established is bound to take time but I'd be asking myself what success would look like and when realistically I'd be there. I know you don't want a car but it must have made life so difficult over the dark short days of winter getting yourself and your child/children back and forth. I can't remember when your youngest starts nursery/school but that too will make it easier.
    Also when the children are both at school it may be easier to understand whether your time/income ratio would be better as an employee or whether your business is providing a more flexible work/ life balance with a suitable income.
    I hope life will get easier over the spring and summer with more events and parties and lighter longer days.
    Best wishes
    V
    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
    • Macey1510
    • By Macey1510 14th Mar 17, 8:29 AM
    • 82 Posts
    • 256 Thanks
    Macey1510
    Hi Bob, I hope you have a good day today!
    • Bobarella
    • By Bobarella 14th Mar 17, 8:54 AM
    • 10,102 Posts
    • 64,617 Thanks
    Bobarella
    I'm most amused by the above - tickled my Monday afternoon

    Oh Bob, I really feel for you with the rates issue - you run around constantly and can't possibly do anymore than you are doing but something like this can have such an effect on your morale and your fledgling business.

    I firmly believe that you will see a massive difference between now and next year with the amount of events you are having and the publicity generated but it's whether weathering the storm now is doable for you.

    Big hugs
    Originally posted by kirtsypoos
    Thanks Kirsty glad it made you smile Wise words as always.

    Ah, Bob - hope they come out sooner rather than later - and that the result is favourable.

    Rant away whenever necessary.... xx
    Originally posted by greent
    Thanks Greent I hope so too.

    Sending you massive virtual hugs and lots of tea and cake, always good to let out your frustrations. I bet your dh is just as annoyed with have to appeal the measurements but you're the nearest one to rant to too!

    Hope you've managed to relax a little bit, doesn't get any better my dd is a 5ft nutter shimmying around the house

    I also hope the measuring is done as quickly as possible.

    H x
    Originally posted by hugglemonster
    Glad to hear the nuttiness doesn't end, they just get taller
    £378 Debt free by 31/03/17 or bust
    Roadkill 17 £51.30 2016-£62.28 2015- £84.20)
    RYSAW17 £1410.90 2016 £2,535.16 2015 £1027.20
    PAYDBX 7 #£397/£760 to go!!
    NST March1 4/15
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