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  • FIRST POST
    • Bobarella
    • By Bobarella 25th Jul 16, 7:16 PM
    • 10,465Posts
    • 69,321Thanks
    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 89
    • Hiddenidenity
    • By Hiddenidenity 15th Jun 17, 10:57 AM
    • 4,466 Posts
    • 18,198 Thanks
    Hiddenidenity
    Hope you're okay Bob x
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £80 Amazon
    • Purplemumof2
    • By Purplemumof2 15th Jun 17, 11:10 AM
    • 4,947 Posts
    • 16,040 Thanks
    Purplemumof2
    Hey Bob,

    Hope you're okay?

    Sorry about so called friend, I too hope they get a nasty collection of warts!

    Fingers crossed that the bookings build up, I'm sure they will.

    Chin up lovely xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • emmie26
    • By emmie26 16th Jun 17, 10:31 PM
    • 468 Posts
    • 1,644 Thanks
    emmie26
    Hope you are ok bob x

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • apple muncher
    • By apple muncher 17th Jun 17, 8:02 AM
    • 6,166 Posts
    • 44,905 Thanks
    apple muncher
    Thinking of you all x
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Bobarella
    • By Bobarella 18th Jun 17, 7:25 PM
    • 10,465 Posts
    • 69,321 Thanks
    Bobarella
    Hello All

    Thanks so very much for thinking of me. I am just wolfing down some dinner before I head out again. I really don't think I've ever been so time poor in my life.

    I hope all of you have enjoyed today, the sun is a bit much for me, but I know a lot of people love it.

    Back later

    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
    • Hiddenidenity
    • By Hiddenidenity 18th Jun 17, 7:30 PM
    • 4,466 Posts
    • 18,198 Thanks
    Hiddenidenity
    Hello All

    Thanks so very much for thinking of me. I am just wolfing down some dinner before I head out again. I really don't think I've ever been so time poor in my life.

    I hope all of you have enjoyed today, the sun is a bit much for me, but I know a lot of people love it.

    Back later

    Bob
    Originally posted by Bobarella
    Yay you're here! I was getting worried

    Hope all is well x
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £80 Amazon
    • apple muncher
    • By apple muncher 18th Jun 17, 7:44 PM
    • 6,166 Posts
    • 44,905 Thanks
    apple muncher
    Glad to hear from you x
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Suffolk lass
    • By Suffolk lass 19th Jun 17, 7:09 AM
    • 1,402 Posts
    • 16,431 Thanks
    Suffolk lass
    Hi Bob, I feel rather foolish for only just spotting your DFD after you have been so positive and encouraging to me. I'm not really very good at this.

    Your tale of a friend and money brought back memories. When I met DH he was living abroad and renting out his place to a friend of a friend. Only that person didn't have to pay rent, only to pay the bills. Only they hadn't! It was awful. I do sympathise. Sending you best wishes, I have subscribed.
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • crazy_cat_lady
    • By crazy_cat_lady 19th Jun 17, 10:29 AM
    • 3,245 Posts
    • 27,978 Thanks
    crazy_cat_lady
    Glad you're ok Bob - I can totally relate with time issues...
    NSTAugust #13 NSD 4/15 RYSAW17 #1 £472.63 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • Bobarella
    • By Bobarella 19th Jun 17, 8:47 PM
    • 10,465 Posts
    • 69,321 Thanks
    Bobarella
    Hi Guys

    So, I'm allowing myself to be a teeny bit pleased today. I sent out my highest ever invoice. It's not all due now and there is still the actual getting in of the money, but, it's a solid booking over several dates.

    I also had a new booking today which came via WOM and fills a hole left by a late cancellation. So I will have gone from making about £80 for a date to £225.

    In terms of enquiries things are definitely back up. I think the 4 weeks dry spell ended around the 12th.

    This week is full on despite the heat. I'm heading out in an hour to do a lock up. Back in first thing. In and out due to timings and school runs. We have our washing machine finally being repaired tommorow. We've been without for around a week and a half I think. Thank goodness for OH strong arms to do all the wringing out as my shoulders were killing me.
    Wednesday I have 3 viewings spread out throughout the day so will be viewing 1, viewing 2, school run, drop kids home to OH then viewing 3.
    Thursday we have someone in in the evening for 3 hours, which is a tricky one as hardly worth coming home but too long to hang around.
    Friday in and out and a late lock up.
    Saturday a viewing then a booking I'm dreading but needs must.
    Sunday a let in and come back later.

    I am finding I get around 2 hours per day to actually work on the business rather than in it, or looking after DD. Hence this place taking a hit.

    Still feel I am doing a lot of running around for people to try and make things work for them​. But it's in my nature to want to help. I am aware of it though and will be reviewing whether I do some things again if I don't feel appreciated.

    DH enjoyed father's day which is good. We managed to take him out for coffee despite the schedule and we also managed to cook his favourite meal and dessert.

    Not sure what I think at the moment about everything. There is such a sad mood over London with ever thing that's been happening. It has definitely affected me and I feel like everything else is rather insignificant really.

    I'll keep moving and give myself a free pass if I don't feel like doing cartwheels down the high street at the moment.

    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 19th Jun 17, 8:51 PM
    • 10,465 Posts
    • 69,321 Thanks
    Bobarella
    Yay you're here! I was getting worried

    Hope all is well x
    Originally posted by Hiddenidenity
    Sorry to worry anyone. I'm usually around and about

    Glad to hear from you x
    Originally posted by apple muncher
    Thanks Apple.

    Hi Bob, I feel rather foolish for only just spotting your DFD after you have been so positive and encouraging to me. I'm not really very good at this.

    Your tale of a friend and money brought back memories. When I met DH he was living abroad and renting out his place to a friend of a friend. Only that person didn't have to pay rent, only to pay the bills. Only they hadn't! It was awful. I do sympathise. Sending you best wishes, I have subscribed.
    Originally posted by Suffolk lass
    No need for any apologies. Life is busy!
    Oh my goodness. How did that story end?
    " 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 19th Jun 17, 8:53 PM
    • 10,465 Posts
    • 69,321 Thanks
    Bobarella
    Glad you're ok Bob - I can totally relate with time issues...
    Originally posted by crazy_cat_lady
    I am sure. Really hope you make it to the end of term Cat.
    " 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
    • emmie26
    • By emmie26 19th Jun 17, 9:30 PM
    • 468 Posts
    • 1,644 Thanks
    emmie26
    Wow things sound like they are definitely looking up with the business fingers crossed it continues!

    Total Debt: £24,359.79 £22,182
    debt reduced by 9%
    Debt free date: May 2019
    • apple muncher
    • By apple muncher 20th Jun 17, 3:49 PM
    • 6,166 Posts
    • 44,905 Thanks
    apple muncher
    Know what you mean about the mood in London. And about other things seeming insignificant. It's not anything you can 'shrug off' or 'get over'. I guess you simply have to ride it out. Take care.
    NST SS #10; NSD 6; Ex 6; craft 150; remove 510
    2017 MFW#63 Pay off: £2239/£4050; 2
    017 sell 110

    Mortgage £24,831 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • Purplemumof2
    • By Purplemumof2 20th Jun 17, 4:10 PM
    • 4,947 Posts
    • 16,040 Thanks
    Purplemumof2
    Hi Bob,

    Glad things are picking up x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7550.00 Cap 1: £557.64 BC: £4040.00 Overdraft: £2750.00



    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Hiddenidenity
    • By Hiddenidenity 20th Jun 17, 5:19 PM
    • 4,466 Posts
    • 18,198 Thanks
    Hiddenidenity
    A few more patches to your quilt then

    Glad things are picking up x
    DFW £953.71/£7348.71 Rent Arrears £391.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £259.95 + £25 Cash + £65 Amazon
    August 17 PA £98.93 + £83.08 Cash + £80 Amazon
    • mummytogirls
    • By mummytogirls 20th Jun 17, 9:28 PM
    • 5,320 Posts
    • 15,935 Thanks
    mummytogirls
    Yay to your latest invoice Bob, fingers crossed this is how the ball will be rolling from now on xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • parsniphead
    • By parsniphead 20th Jun 17, 10:46 PM
    • 2,086 Posts
    • 13,293 Thanks
    parsniphead
    You should allow yourself to be a "teeny bit pleased". You have work hard for it.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • Suffolk lass
    • By Suffolk lass 21st Jun 17, 8:12 AM
    • 1,402 Posts
    • 16,431 Thanks
    Suffolk lass
    Oh my goodness. How did that story end?
    Originally posted by Bobarella
    We remain good friends with the friends that recommended him but have nothing to do with the person who ran up debts (he also gave away some much treasured vinyl from my husband's record collection). I moved into the flat and became the world's worst housemate. I also made him claim housing benefit for three months. Even so, he left us almost £1500 out of pocket. - I would like to say "but I'm not bitter!" but I can't, because I am. I have found letting it go easier than forgiveness (so I have moved on from what we could have done with that money, to just never saying anything nice if the individual comes up in conversation, because I can never forgive him for abusing the relationship).
    MFiT T4 #2 update 25.95% after Q5
    Save £12k in 2017 #64 - £5617.21/£5500 (51.64%/50%) after June - my annual target is £11,000
    OS Grocery Challenge 2017 budget of £3,600 £3000 (reduced from Apr) - 58.88/58.33% including stores after July
    My DFD is here
    • Bobarella
    • By Bobarella 21st Jun 17, 8:13 AM
    • 10,465 Posts
    • 69,321 Thanks
    Bobarella
    Wow things sound like they are definitely looking up with the business fingers crossed it continues!
    Originally posted by emmie26
    Thanks Emmie

    Know what you mean about the mood in London. And about other things seeming insignificant. It's not anything you can 'shrug off' or 'get over'. I guess you simply have to ride it out. Take care.
    Originally posted by apple muncher
    I'm sure you do Apple it's hit all of us I think. Keep safe.

    Hi Bob,

    Glad things are picking up x
    Originally posted by Purplemumof2
    Thank you
    " 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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