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  • FIRST POST
    • Bobarella
    • By Bobarella 25th Jul 16, 7:16 PM
    • 10,454Posts
    • 69,667Thanks
    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 88
    • Silver Queen
    • By Silver Queen 9th Jun 17, 1:25 PM
    • 155 Posts
    • 916 Thanks
    Silver Queen
    Sorry to hear things are looking a bit rubbish bob

    I think I'm quite close to you location-wise and really wish I could help you out.

    If there is anything I might be able to do, please let me know - PM me or whatever.
    • crazy_cat_lady
    • By crazy_cat_lady 9th Jun 17, 4:58 PM
    • 3,369 Posts
    • 28,913 Thanks
    crazy_cat_lady
    Oh my goodness. With friends like that etc. I hope there is a reasonable explanation Bob xxx
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • Hiddenidenity
    • By Hiddenidenity 9th Jun 17, 5:46 PM
    • 4,227 Posts
    • 26,355 Thanks
    Hiddenidenity
    Hope friends been in touch and sorted it?

    Hope you're okay
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • emmie26
    • By emmie26 10th Jun 17, 12:19 AM
    • 446 Posts
    • 1,871 Thanks
    emmie26
    Oh no that's terrible what a d**k

    I really do hope things turn around, in the words of d:ream 'things can only get better' and I so hope they do.

    Total Debt: £24,359.79 £19,963
    debt reduced by 18%
    Debt free date: May 2019
    • Bobarella
    • By Bobarella 10th Jun 17, 3:58 PM
    • 10,454 Posts
    • 69,667 Thanks
    Bobarella
    Silver Queen, Cat, Hidden & Emmie

    You are all lovely! Thanks so much

    Hope you are enjoying the sunshine this weekend.

    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
    • Toni'sfriend
    • By Toni'sfriend 10th Jun 17, 4:11 PM
    • 622 Posts
    • 8,877 Thanks
    Toni'sfriend
    You've been here before and got through it and you will again, I really admire how hard you work. I'm sure it will work out.
    • Bobarella
    • By Bobarella 10th Jun 17, 4:22 PM
    • 10,454 Posts
    • 69,667 Thanks
    Bobarella
    You've been here before and got through it and you will again, I really admire how hard you work. I'm sure it will work out.
    Originally posted by Toni'sfriend
    Thanks Toni's Friend I do appreciate that. I just want a better life for my kids & me. Hope one day I can give them everything they deserve.
    " 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
    • Hiddenidenity
    • By Hiddenidenity 10th Jun 17, 5:44 PM
    • 4,227 Posts
    • 26,355 Thanks
    Hiddenidenity
    Silver Queen, Cat, Hidden & Emmie

    You are all lovely! Thanks so much

    Hope you are enjoying the sunshine this weekend.

    Bob
    Originally posted by Bobarella
    Sunshine You mean you've stolen our sunshine!

    Only lovely here if you're a duck! and I think even they would be fed up of the wet by now
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Sayschezza
    • By Sayschezza 10th Jun 17, 5:52 PM
    • 159 Posts
    • 1,413 Thanks
    Sayschezza
    Thanks Toni's Friend I do appreciate that. I just want a better life for my kids & me. Hope one day I can give them everything they deserve.
    Originally posted by Bobarella
    But they have everything they could ever want with you as their mum.
    • greent
    • By greent 10th Jun 17, 6:09 PM
    • 6,422 Posts
    • 64,839 Thanks
    greent
    Just catching up after a crazy week at work - sorry it's quiet, Bob x Hope the friend starts behaving like a friend real soon.... xx
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 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: BTL Mtge 12/16 £69786. 2017 OPs (#18) £5034/£3286
    Net sales 2017 £1221.45/£500 PAYDOX17 £11937/£10k Decluttered 1730/2017 items
    • Bobarella
    • By Bobarella 12th Jun 17, 8:49 PM
    • 10,454 Posts
    • 69,667 Thanks
    Bobarella
    Sunshine You mean you've stolen our sunshine!

    Only lovely here if you're a duck! and I think even they would be fed up of the wet by now
    Originally posted by Hiddenidenity
    Ok, as the song goes 'please don't take my sunshine Away' I won't

    As for the ducks, well. I'd be fed up too, living in a pond, having stale bread thrown at my head by feral toddlers

    But they have everything they could ever want with you as their mum.
    Originally posted by Sayschezza
    That is extremely kind Sayschezza thank you

    Just catching up after a crazy week at work - sorry it's quiet, Bob x Hope the friend starts behaving like a friend real soon.... xx
    Originally posted by greent
    Not so far. And in worrying news, a mutual friend confirmed they broke off their relationships with them because of a similar issue.
    " 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
    • Hiddenidenity
    • By Hiddenidenity 12th Jun 17, 8:52 PM
    • 4,227 Posts
    • 26,355 Thanks
    Hiddenidenity
    Ok, as the song goes 'please don't take my sunshine Away' I won't

    As for the ducks, well. I'd be fed up too, living in a pond, having stale bread thrown at my head by feral toddlers (
    Originally posted by Bobarella
    I admit I laughed! Maybe I AM a duck afterall? Youngest often throws her leftovers at my head

    Not so far. And in worrying news, a mutual friend confirmed they broke off their relationships with them because of a similar issue.
    Originally posted by Bobarella
    How awful, unfortunate you found out like this, but that really isn't a true friend.
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Bobarella
    • By Bobarella 12th Jun 17, 8:53 PM
    • 10,454 Posts
    • 69,667 Thanks
    Bobarella
    Hi All

    So today has been very weird. From having only 4 enquiries all month, and no bookings, I had 6 enquiries today and 2 bookings. I'm not going to roll out the fanfare just yet as after a month long dry spell who knows what's next.

    One of the bookings was from a very high profile person though, who had apparently seen my social media efforts. So it has been worth all the 1am finishes sitting there looking for leads and interacting.

    But. And big fat hairy but. Is this patchwork of interest ever going to be big enough for a quilt?

    Tired. And a bit battered quite frankly. It's so hard this up and down all the time.

    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
    • mummytogirls
    • By mummytogirls 12th Jun 17, 8:55 PM
    • 5,544 Posts
    • 17,957 Thanks
    mummytogirls
    Still keeping everything crossed Bob. Can totally understand why you're feeling so battered, chin up xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6936.45 - 04/09/17 - 70.99% paid off
    • emmie26
    • By emmie26 12th Jun 17, 8:56 PM
    • 446 Posts
    • 1,871 Thanks
    emmie26
    Bob that is awful, I don't know how people can be so awful, lets all collectively hope they get a wart for every day they don't pay you back a bit like nanny McPhee in reverse!!

    Total Debt: £24,359.79 £19,963
    debt reduced by 18%
    Debt free date: May 2019
    • Hiddenidenity
    • By Hiddenidenity 12th Jun 17, 8:57 PM
    • 4,227 Posts
    • 26,355 Thanks
    Hiddenidenity
    Hi All

    So today has been very weird. From having only 4 enquiries all month, and no bookings, I had 6 enquiries today and 2 bookings. I'm not going to roll out the fanfare just yet as after a month long dry spell who knows what's next.

    One of the bookings was from a very high profile person though, who had apparently seen my social media efforts. So it has been worth all the 1am finishes sitting there looking for leads and interacting.

    But. And big fat hairy but. Is this patchwork of interest ever going to be big enough for a quilt?

    Tired. And a bit battered quite frankly. It's so hard this up and down all the time.

    Bob
    Originally posted by Bobarella

    Think positive Of course they'll be a quilt eventually, you just have to find enough pieces along the way. If anyone can do it - its you! Chin up xx
    DFW £1783.71/£7348.71 Rent Arrears £571.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Bobarella
    • By Bobarella 13th Jun 17, 9:47 AM
    • 10,454 Posts
    • 69,667 Thanks
    Bobarella
    I admit I laughed! Maybe I AM a duck afterall? Youngest often throws her leftovers at my head

    How awful, unfortunate you found out like this, but that really isn't a true friend.
    Originally posted by Hiddenidenity
    Ha Ha, hope you have a wipe clean Hair style

    I have always suspected MH issues, as he can be extremely erratic. From rage to charming in 60 seconds. But not close enough to discover the true reason. Have even suspected drug use. Anyway. I suspect this one has to go on the painful list of reasons I am too nice at times. And try to carry on being trusting of people, because not everyone is a shi
    " 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 13th Jun 17, 9:49 AM
    • 10,454 Posts
    • 69,667 Thanks
    Bobarella
    Still keeping everything crossed Bob. Can totally understand why you're feeling so battered, chin up xx
    Originally posted by mummytogirls
    Thanks hon


    Bob that is awful, I don't know how people can be so awful, lets all collectively hope they get a wart for every day they don't pay you back a bit like nanny McPhee in reverse!!
    Originally posted by emmie26
    Pah ha ha! That made me laugh

    Think positive Of course they'll be a quilt eventually, you just have to find enough pieces along the way. If anyone can do it - its you! Chin up xx
    Originally posted by Hiddenidenity
    Maybe that will be my new diary title, One Day my Quilt will come
    " 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
    • kirtsypoos
    • By kirtsypoos 13th Jun 17, 10:00 AM
    • 3,033 Posts
    • 13,526 Thanks
    kirtsypoos
    Sorry that things are still so up and down Bob, and that your ex-friend is such a twit!
    £250/3000 OH BC(91.66% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £250/31010.23 (99.19% paid)
    Mortgage - £161,000.00 (2017 O/P £2221.94) PAYDBX 17 #006 - £17,309.18/14,539.71
    • PurpleFairy26
    • By PurpleFairy26 13th Jun 17, 10:14 AM
    • 1,918 Posts
    • 12,882 Thanks
    PurpleFairy26
    Just catching up bob how awful of that person, they obviously have no morals and you are significantly better for them not being in your life. The cash bit is annoying but I do believe in karma, so what goes around comes around (on both yours and his front) Hope today sees more bookings come your way
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