Self employed, loads of debt - help

Wiggly_Worm

Viticulture is wine! The drink of the gods (and goddesses)!
Wine growing, winemaking, and all things that make life worth living. This man has a noble vocation

Will it be organic? Biodynamic?

tjak

Don't mind what it is - it'll be good to see him earning again!!!

Bestthingsinlifearefree

Bestthingsinlifearefree wrote:

Apologies for my ignornace but what is "viticulture" and is there demand for some one who is qualified in it in the UK or New Zealand ?

What sort of salary would some one newly qualified in viticulture get etc etc.

ok just searched on google and viticulture seems to be the study of vines / wines / grapes etc and hence vineyards etc etc.

...looks like I learnt something new today !!

Could your OH study this part time or as a hobby. What is his long term goal workwise with this qualification ???

Ultimately if he / you cannot afford to study (or there is no guaranteed job at the end) he may need to drop out / defer study for a year or so and get a job to pay the bills.

Saying that I did not even now what vitculture was !!!

So who knows it may well be a great career move.

Tough decision but food and roof over head take priority.

tjak

oh, very harsh! Not really an option to go part time or defer, especially when I can earn really well. I have only been working this way for 6 months, so I am building up sales and earnings, its only when commissions don't come through (at the mercy of large life companies) that it becomes a problem.

OH will earn well, and isn't able to revert back to previous work as plasterer, so only way is to keep going?!

Bestthingsinlifearefree

tjak wrote:

Viticulture is winemaking - there is some demand in UK, but very low paid
NZ offers far better career prospects and good standard of living

Hi Tjak,

There is the crux of the matter.

Is the relocate to NZ a pipe dream to justify the course and would he really get a job in viticulture in NZ (would you get a visa etc etc).

Saying that I won't knock any one who tries to earn a living from doing what they love.....

alas most of us have to do duff jobs to pay the bills and give us the cash to do our hobbys / vocation in our spare time.

Have you investigated the demand for viticulturalist in NZ / salaries / experience required / qualifications needed etc etc.

Wiggly_Worm

Bestthingsinlifearefree wrote:

Ultimately if he / you cannot afford to study (or there is no guaranteed job at the end) he may need to drop out / defer study for a year or so and get a job to pay the bills.

Sorry but I have to disagree. If you cannot afford payments it's the banks as should be the first to feel the pinch, not your dreams.

Phone em up, get them to reduce payments, whatever, but make their demands fit your life, not the other way round. Don't give an inch!

Bestthingsinlifearefree

Wiggly_Worm wrote:

Sorry but I have to disagree. If you cannot afford payments it's the banks as should be the first to feel the pinch, not your dreams.

Phone em up, get them to reduce payments, whatever, but make their demands fit your life, not the other way round. Don't give an inch!

Hi wiggly-worm,

I know what you are saying and maybe we could all give up work today to follow our dreams e.g become artists or make pottery to sell etc.

Alas if if that does not put food on the table or pay the rent for your family.

In my mind food / roof / family first ...dreams you can do outside work until they become finacially viable etc etc.

Harsh but I have seen to many people go finacially in debt chasing unviable dreams.


My dream could be to win the gold medal in the olympic 100 metres in London.

I could give up my job to become a full time athelete,borrow loads of money to pursue my dream, but as I am now 32 to with a beer gut by the time the olympics come round in 2012 I will be bankrupt and at at 39 probably wont achieve my dream.

Yep chase the dream but keep in touch with the reality of life food,clothes,rent,bills etc etc

Wiggly_Worm

I see your point, but dreams aren't always pottery or art. We're in financial schtick, but we scrape by. Of course I could ease the pressure by getting a supermarket job or somesuch, but if *at all* possible I would rather stay home and bring up my children. So I do.

It's about priorities, and everyone's are different. :beer:

But yes, food and shelter should come quite high up the list!

summerday

Hi tjak- I have sent you a private message. Look at the top right of this page under where it says 'welcome tjak' to read it.

Sarah.x

Wiggly_Worm

Oops, sorry tjak seem to have hijacked your thread :rolleyes: I'll stop now unless I have any amazingly bright idea that may be of use to you