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  • FIRST POST
    • Bobarella
    • By Bobarella 25th Jul 16, 7:16 PM
    • 10,476Posts
    • 69,599Thanks
    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 98
    • crazy_cat_lady
    • By crazy_cat_lady 21st Sep 17, 6:19 PM
    • 3,353 Posts
    • 28,805 Thanks
    crazy_cat_lady
    So lovely to hear from you Bob - although sorry times are still tough. My fingers are very firmly crossed for good news on the rates front.
    NSTSeptember #32 NSD 8/18 RYSAW17 #1 £1313.42 20p Savers #88 £1 a day for Xmas # DFD 6 Nov 15 - paid £28,447
    • Seasidegal58
    • By Seasidegal58 21st Sep 17, 7:22 PM
    • 926 Posts
    • 4,876 Thanks
    Seasidegal58
    So pleased to see you posting again bob. Hope all goes well with the appeal.

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Scott_Weiland
    • By Scott_Weiland 21st Sep 17, 7:42 PM
    • 600 Posts
    • 1,422 Thanks
    Scott_Weiland
    Great to see you posting Bob
    Debts 15981.64 total paid 1934
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • f0xh0les
    • By f0xh0les 22nd Sep 17, 2:07 PM
    • 988 Posts
    • 7,129 Thanks
    f0xh0les
    Experience is never wasted Bobs.

    Whether you continue or not.

    Hugs.
    MFW May 16 £118,340
    October 17 - £109,495.00
    • greent
    • By greent 27th Sep 17, 10:35 PM
    • 6,301 Posts
    • 63,865 Thanks
    greent
    Glad to see you back on here again, Bob. Have you G00gled the people looking at the rates? - I only ask because the charity I was a trustee and treasurer for had a very similar offer from a company re our rates. I searched them and found conflicting reviews but the most worrying bit was that not everything they had promised was true. They became quite a pest, phoning myself and other trustees at least once a week and not really taking no for an answer. They were very much of the ppi-chaser type company (they also do that as well - in fact have tv ads for it) - not saying yours is for one minute, but it's just a possible heads up for you - and I hope that isn't the case & that it is all successful. 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) £4607/£3286
    Net sales 2017 £1202.80/£500 PAYDOX17 £11635/£10k Decluttered 1650/2017 items
    • Bobarella
    • By Bobarella 3rd Oct 17, 11:18 AM
    • 10,476 Posts
    • 69,599 Thanks
    Bobarella
    Glad to see you back on here again, Bob. Have you G00gled the people looking at the rates? - I only ask because the charity I was a trustee and treasurer for had a very similar offer from a company re our rates. I searched them and found conflicting reviews but the most worrying bit was that not everything they had promised was true. They became quite a pest, phoning myself and other trustees at least once a week and not really taking no for an answer. They were very much of the ppi-chaser type company (they also do that as well - in fact have tv ads for it) - not saying yours is for one minute, but it's just a possible heads up for you - and I hope that isn't the case & that it is all successful. xx
    Originally posted by greent
    No, didnt google them. Didnt even think to. Well they have my money now so no point worrying (about that at least)
    " 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 3rd Oct 17, 11:33 AM
    • 10,476 Posts
    • 69,599 Thanks
    Bobarella
    Morning

    Not the best of updates (again) just seem to be struggling and struggling and not getting anywhere. I am taking money, but its not enough. My enquiries for last month went up by around 20 on the month before, and some of them are incredible. But they dont come off. I seem to end up with the chaff all the time, and even then have to chase around for the few pennies that they owe me. Some people literally have no conscience.

    We don't have enough in our family budget to go around. So its like one thing is infecting the other, we keep bailing out the business, so we have no money, but the business bills must be paid, so we bail it out.

    I have had a major equipment failure again since I last updated. Which means another large bill coming my way today, I don't yet know how much, and hopefully it can even be fixed.

    Literally drowning here. The problem is, I know I need to find other paying work. But trying to do that when you have limited hours in the day, a child to look after who doesnt nap, a failing business to run, makes it sickeningly impossible. I have ventured onto various sites and the sort of money I could get makes it completely impossible with childcare.

    Things are so bad, I just feel backed into a corner and cant see how anything can end well.

    We had a family emergency yesterday, all fine now, but that pointed out to me from the emails and messages I was still getting, that people dont care a jot about me, its only them. Thats people im working with btw not just generally.

    We are broke, everything is complicated and difficult, and right now I just cant see a way out that makes anything remotely easier.

    Im writing this update for me to just have a place to vent to be honest, rather than for any replies.

    I just really wish something would happen that would get me out of here!

    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
    • sweetpea26
    • By sweetpea26 3rd Oct 17, 12:05 PM
    • 693 Posts
    • 4,577 Thanks
    sweetpea26
    I am so sorry to hear that you are going through so much Bob. You are always so thoughtful when replying to all on this forum. I sincerely hope and pray that you can find a resolution. God bless.
    • kirtsypoos
    • By kirtsypoos 3rd Oct 17, 12:13 PM
    • 2,982 Posts
    • 13,289 Thanks
    kirtsypoos
    I honestly don't know how you cope Bob, I truly hope things turnaround soon for you - Lord knows, you deserve it!
    £450/3000 OH BC(85% PAID)
    PAID VERY, Barclaycard x2, Vanquis, Natwest, O/D, Tesco & MBNA x2 PAID LBM 24/07/15 - Debt: £450/31010.23 (98.54% paid)
    Mortgage - £161,950.00 (2017 O/P £1774.74) PAYDBX 17 #006 - £16241.98/14,539.71
    • Toni'sfriend
    • By Toni'sfriend 3rd Oct 17, 12:32 PM
    • 851 Posts
    • 7,739 Thanks
    Toni'sfriend
    I'm sorry things are so difficult for you. Hope it gets better soon.
    • crazy_cat_lady
    • By crazy_cat_lady 3rd Oct 17, 7:29 PM
    • 3,353 Posts
    • 28,805 Thanks
    crazy_cat_lady
    Loads of love 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
    • greent
    • By greent 3rd Oct 17, 7:32 PM
    • 6,301 Posts
    • 63,865 Thanks
    greent
    Sorry to hear it's still so bad ((hugs)). Do you still have the expensive coffee machine(?) you could sell?
    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) £4607/£3286
    Net sales 2017 £1202.80/£500 PAYDOX17 £11635/£10k Decluttered 1650/2017 items
    • Hiddenidenity
    • By Hiddenidenity 3rd Oct 17, 8:11 PM
    • 5,074 Posts
    • 23,369 Thanks
    Hiddenidenity
    I honestly don't know how you cope Bob, I truly hope things turnaround soon for you - Lord knows, you deserve it!
    Originally posted by kirtsypoos
    From me too.

    I don't know what to say but just know you're not alone and we are all here to listen and help where we can x
    DFW £1388.71/£7348.71 Rent Arrears £511.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • Seasidegal58
    • By Seasidegal58 3rd Oct 17, 10:27 PM
    • 926 Posts
    • 4,876 Thanks
    Seasidegal58
    from me to you Bob - I do hope something happens soon to turn everything around for you and your family.

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Verbatim
    • By Verbatim 3rd Oct 17, 10:58 PM
    • 4,505 Posts
    • 13,115 Thanks
    Verbatim
    I hope you find a solution. You've certainly given your venture everything you've got.
    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
    • NoOneAround
    • By NoOneAround 4th Oct 17, 9:27 AM
    • 1,551 Posts
    • 7,470 Thanks
    NoOneAround
    Sending Love and hugs. We all want something good to come your way.
    x
    NOA
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/04/17 £66,996=7.62%PAID
    Mortgage Jan14=209,800 Jan15=£200,300Jan16 £190,800 Jan17£180,700
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes
    Wombling Free Cash May2016 £51
    • wishus
    • By wishus 9th Oct 17, 7:43 PM
    • 759 Posts
    • 5,060 Thanks
    wishus
    Big hugs, Bobarella xxx
    2016 save goals 091. £3921.55/ £5250 My DFD
    • 117pauline
    • By 117pauline 10th Oct 17, 9:55 AM
    • 337 Posts
    • 4,663 Thanks
    117pauline
    I don't often comment on your diary but I am a secret lurker.

    Our thoughts are with you even if we can't be with you in person

    Hope this week is better
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • Verbatim
    • By Verbatim 10th Oct 17, 9:53 PM
    • 4,505 Posts
    • 13,115 Thanks
    Verbatim
    How are you Bob? You'll get through this, whatever you decide.
    Vx
    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
    • Silver Queen
    • By Silver Queen 10th Oct 17, 9:56 PM
    • 153 Posts
    • 826 Thanks
    Silver Queen
    Thinking of you, hope everything is looking up.
    Debt Totals October 17:
    £350 Natwest Credit Card / Now £0 £15,500 Loan from Parents / Now £12,000 £2,000 Overdraft Now £1,000
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