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  • FIRST POST
    • Bobarella
    • By Bobarella 25th Jul 16, 7:16 PM
    • 10,568Posts
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    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.
    " 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 84
    • Bobarella
    • By Bobarella 19th May 17, 8:47 AM
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    Bobarella
    Good Morning

    Small rant, apols. I am so cross with my energy supplier that I have literally just switched in a rage (probably not the best way to do things) but there its done.

    I religiously supply my readings each month via my phone app. This month for some reason it didnt work, wasnt letting me in. Just because life is so busy it took me a couple of days to try again. I asked for help via their online service who referred me to the website. Where I put my reads in.

    When my bill came it was around £45 higher than usual. So I queried it and asked for it to be rebilled. It wasnt.

    This week on live chat I explicitly asked again assuming the reading had not been amended.

    Today, when my bill is due out on Monday I finally find out via some stropey guy on DM, that my tarrif has ended and the prices have all gone up. Apparently this has been sign posted for months (really??)

    I basically just had a row over DM which has really set me up for the day especially as one of my suppliers tried to phone me after midnight for some reason!! My phone can never be off because I have it set up to the alarm at the premises which phones if there is a break in. So Im knackered and angry. Good combo.

    The new supplier Im moving to is supposed to be £45 a month, which is still around £10 less than we were paying when supplying our reads each month. Our winter bills were then always higher, around £95 a month for the 4 months we have our heating on, but I've always been ok with doing it that way just to pay the lowest on the months it is lower.

    Cross!

    So we are now left with around an extra £45 to find this month, which isnt ideal. But vote with your feet right? Which is now done.

    Im rushing this morning as well, so now really feeling shakey and annoyed.

    Hope everyone has a better start!

    Bob
    " 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
    • sashybo
    • By sashybo 19th May 17, 1:00 PM
    • 2,353 Posts
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    sashybo
    How annoying Bob!

    Hope the rest of the day goes well for you.
    Success is not final, failure is not fatal: it is the courage to continue that counts.

    PAD started 27/01/09 - £8317 extra paid off debt. Total Debt paid off £42,676.99
    Loans 1 & 2 £5597.93, Car loans £25,514.25
    • mummytogirls
    • By mummytogirls 19th May 17, 4:21 PM
    • 5,211 Posts
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    mummytogirls
    Sooooo annoying for you Bob.. I'm glad you've voted with your feet though! xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • Bobarella
    • By Bobarella 19th May 17, 9:01 PM
    • 10,568 Posts
    • 68,991 Thanks
    Bobarella
    How annoying Bob!

    Hope the rest of the day goes well for you.
    Originally posted by sashybo
    Thank you, it has been fine

    Sooooo annoying for you Bob.. I'm glad you've voted with your feet though! xx
    Originally posted by mummytogirls
    Thanks, that'll learn em
    " 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
    • Scott_Weiland
    • By Scott_Weiland 20th May 17, 5:44 AM
    • 302 Posts
    • 569 Thanks
    Scott_Weiland
    Good Morning

    Small rant, apols. I am so cross with my energy supplier that I have literally just switched in a rage (probably not the best way to do things) but there its done.

    I religiously supply my readings each month via my phone app. This month for some reason it didnt work, wasnt letting me in. Just because life is so busy it took me a couple of days to try again. I asked for help via their online service who referred me to the website. Where I put my reads in.

    When my bill came it was around £45 higher than usual. So I queried it and asked for it to be rebilled. It wasnt.

    This week on live chat I explicitly asked again assuming the reading had not been amended.

    Today, when my bill is due out on Monday I finally find out via some stropey guy on DM, that my tarrif has ended and the prices have all gone up. Apparently this has been sign posted for months (really??)

    I basically just had a row over DM which has really set me up for the day especially as one of my suppliers tried to phone me after midnight for some reason!! My phone can never be off because I have it set up to the alarm at the premises which phones if there is a break in. So Im knackered and angry. Good combo.

    The new supplier Im moving to is supposed to be £45 a month, which is still around £10 less than we were paying when supplying our reads each month. Our winter bills were then always higher, around £95 a month for the 4 months we have our heating on, but I've always been ok with doing it that way just to pay the lowest on the months it is lower.

    Cross!

    So we are now left with around an extra £45 to find this month, which isnt ideal. But vote with your feet right? Which is now done.

    Im rushing this morning as well, so now really feeling shakey and annoyed.

    Hope everyone has a better start!

    Bob
    Originally posted by Bobarella

    I did similar recently i have a complaint in with my previous supplier they keep trying to chase me for a bill thats inaccurate they over quoted me by 65 quid when i moved supplier. I gave a meter reading they wouldnt take when i left they keep trying to chase me for an inaccurate bill.

    re the calling after midnight as you know bob i work in financial services surely they would be the same as us ie the cant ring after a certain time ie in our case after 9pm.

    I think in your case its complaint time!
    Last edited by Scott_Weiland; 20-05-2017 at 5:47 AM.
    Debts 16349.33
    Cashback Earnings YTD £144.73
    Survey Earnings Ytd £294.00
    • Bobarella
    • By Bobarella 20th May 17, 9:01 AM
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    Bobarella
    Hi Scott

    That's a good idea. I didn't think about bothering with a complaint.

    The call was probably made in error. I don't owe them money or anything, I suspect drunk dialling

    Bob
    " 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
    • Purplemumof2
    • By Purplemumof2 20th May 17, 9:04 AM
    • 4,713 Posts
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    Purplemumof2
    Morning Bob,

    Hope you have a good day x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £400.00 Overdraft: £2750.00

    Lunches to work 7/20 ~ £10pw 3/4

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    • Bobarella
    • By Bobarella 20th May 17, 9:18 AM
    • 10,568 Posts
    • 68,991 Thanks
    Bobarella
    Morning Gang

    Currently on the Caffeine to try and wake up again. Did a lock up last night, home by 12.20 but didn't crash out till 1. Yesterday was one of those never ending ones.
    Back in to work for 11. Then out, and back tonight​.

    My week has really been classic mid month. Lots of enquiries, two bookings, and no one paying up. I am quite annoyed with one person who seemed utterly genuine, was so positive on the viewing and asked to wait till payday to send me the money, which meant a weeks wait. I didn't mind at all because it wasn't an issue. But having got to that date I messaged to follow up....radio silence....it's very frustrating.
    I also lost half a booking this week (deposit paid) due to someone's personal problems ( I'm not going to press gang someone who is already struggling for a few £) which is disappointing.

    I do feel like the amazing start to the month has made all the set backs harder to take. As you feel you are about to finally smash through the barriers to feeling like all this going in one direction despite warning signs, was right all along. And then the smash never comes.

    So many positive signs though, and those must be held onto.

    - Regulars wanting to work in a longer term way, which will allow some control over cash flow planning.

    - High levels of enquiries

    - Social media proving to be highly useful for this business

    - The ability to self direct work, it's almost a never ending story, find an interesting prospect and go and reel them in. There really is almost an unlimited market. I've had meetings this week with people I've talked to online then met and discussed work with. So that keeps me motivated.

    - That the average reaction to my place is extremely positive. It always helps to sell something that looks good.

    I've been wondering about starting a new diary, but really my situation remains that I am on permanent budget wars. Until it picks up to the point I don't notice every single bump in the road I suppose at budget wars I remain.

    Back to my coffee pot.

    Bob
    " 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
    • Bobarella
    • By Bobarella 20th May 17, 9:19 AM
    • 10,568 Posts
    • 68,991 Thanks
    Bobarella
    Morning Bob,

    Hope you have a good day x
    Originally posted by Purplemumof2
    Ta! Cross posted
    " 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
    • Purplemumof2
    • By Purplemumof2 20th May 17, 9:41 AM
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    Purplemumof2
    How frustrating but some good things which help balance things.

    Enjoy the coffee, I'm a tea girl x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £400.00 Overdraft: £2750.00

    Lunches to work 7/20 ~ £10pw 3/4

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • mummytogirls
    • By mummytogirls 20th May 17, 10:30 AM
    • 5,211 Posts
    • 15,272 Thanks
    mummytogirls
    Enjoy your coffee Bob. I suppose your current situation is a bit like when you live like a King for the first week of the month and then bimbling along to the next payday (which I am doing now!). Keep going xx
    Mummytogirls x

    £23164.32 - 12/12/10
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    • mummytogirls
    • By mummytogirls 20th May 17, 10:31 AM
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    mummytogirls
    Another tea girl here even enjoyed a chilled breakfast with my tea pot this morning!!! xx
    Mummytogirls x

    £23164.32 - 12/12/10
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    • f0xh0les
    • By f0xh0les 20th May 17, 10:34 AM
    • 841 Posts
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    f0xh0les
    Don't start a new diary Bobs! It is a record of how far you have come, and when (like, next month or something - fingers crossed for you) you are rolling in the dosh you will inspire others having a hard time.
    MFW May£118,340 A£117 S£116 N£115, D£114 J£114 Feb £113,500 M £112,800 A112,250 MAY £111,600 - next goal- £110k) SPC #59 Very Special Agent Womble #15 NST#9 Competition wins..a kids book Free Amazon vouchers £13 YouGov £1.25 (£50 June) Tesco £15.00 Mr Morris £20
    • Bobarella
    • By Bobarella 20th May 17, 5:42 PM
    • 10,568 Posts
    • 68,991 Thanks
    Bobarella
    How frustrating but some good things which help balance things.

    Enjoy the coffee, I'm a tea girl x
    Originally posted by Purplemumof2
    Tea for me is an afternoon thing. I need the harsh kick that coffee gives you first thing.

    Enjoy your coffee Bob. I suppose your current situation is a bit like when you live like a King for the first week of the month and then bimbling along to the next payday (which I am doing now!). Keep going xx
    Originally posted by mummytogirls
    Yes similar it's true. The way I feel sometimes is like one of those queues where you get a number and wait. And you keep looking at the board but somehow your number is never called.

    Another tea girl here even enjoyed a chilled breakfast with my tea pot this morning!!! xx
    Originally posted by mummytogirls
    Nice!
    " 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
    • Bobarella
    • By Bobarella 20th May 17, 5:45 PM
    • 10,568 Posts
    • 68,991 Thanks
    Bobarella
    Don't start a new diary Bobs! It is a record of how far you have come, and when (like, next month or something - fingers crossed for you) you are rolling in the dosh you will inspire others having a hard time.
    Originally posted by f0xh0les
    I wonder sometimes whether the super long diaries are that accessible to new readers though? I know there are some names I see on here and just think I'd love to know more but the stories are years and years long. So is it less helpful to people after a certain point?
    " 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
    • crazy_cat_lady
    • By crazy_cat_lady 20th May 17, 7:40 PM
    • 3,314 Posts
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    crazy_cat_lady
    I think the same Bob - I don't read massively long diaries either. I started a new one after a year, and may do the same again when I get to my 2 year spot.
    NST June#24 NSD 8/15 RYSAW17 #1 £412.74 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • UncannyScot
    • By UncannyScot 21st May 17, 11:16 AM
    • 385 Posts
    • 1,423 Thanks
    UncannyScot
    Enjoy your diary and the good thing is with first post being saved at the top you can still get a good idea of how far someone has come since starting it
    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.
    • Hiddenidenity
    • By Hiddenidenity 21st May 17, 12:46 PM
    • 3,766 Posts
    • 14,964 Thanks
    Hiddenidenity
    I feel like I'm 'butting' in on long diaries and unable to 'catch up' so I tend to read and thank posts and not reply.

    That saying I don't think you should start a new diary for that reason along you'll always have your regular followers and friends

    Runs back to lurking Kingdom

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    • mummytogirls
    • By mummytogirls 21st May 17, 2:18 PM
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    mummytogirls
    Hope all Bob xx
    Mummytogirls x

    £23164.32 - 12/12/10
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    • Bobarella
    • By Bobarella 21st May 17, 5:54 PM
    • 10,568 Posts
    • 68,991 Thanks
    Bobarella
    I think the same Bob - I don't read massively long diaries either. I started a new one after a year, and may do the same again when I get to my 2 year spot.
    Originally posted by crazy_cat_lady
    I can't believe it will be two years since your DFD Cat! When Ally said it was 3 for her the other day that just made me think 'How???' and here we all are

    Enjoy your diary and the good thing is with first post being saved at the top you can still get a good idea of how far someone has come since starting it
    Originally posted by UncannyScot
    Thanks that's nice of you. And true enough I suppose.

    I feel like I'm 'butting' in on long diaries and unable to 'catch up' so I tend to read and thank posts and not reply.

    That saying I don't think you should start a new diary for that reason along you'll always have your regular followers and friends

    Runs back to lurking Kingdom
    Originally posted by Hiddenidenity
    I hear you. I think that's why I stayed on the threads for so long. New week new chat
    " 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
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