chewits - the debtquake monster is coming

mrscmr

i'd like to say 2 things.. firstly ... good morning.. as its a new day and 2ndly love ur post.

reading down line by line i was going along with option2 as well then i saw u think its the way to go. dont really see much joy in option 1 unless you count the 'comfortably well off' element. thinking option 2 on balance outweighs option 1. if you can manage on option 2 financially then i think the other rewards more than compenstate.

well thats my view.. .and why am i up anyhow at this time???

x

kissjenn

Good question and thanks for drawing the same conclusion.

Last year was downright nasty and I don't enjoy fighting for no reason apart from eh well fighting. Moody mate likes conflict it puts him on heat BUT only to his timetable. It's akin to dealing with a small, spoiled boy who has zero concept of the word "No". Hence the current huff. He's off to Glasto to be with those he relates to man (he's older than me).

Small Boy is a breath of fresh air, he understands his survival depends on never uttering the dreaded whatever.

mooomin

kissjenn wrote: »

Small Boy is a breath of fresh air, he understands his survival depends on never uttering the dreaded whatever.

Hah! :rotfl:

Option 2 from me too!

Mr Fresian was in a job that was making him miserable (depression, which he naturally suffers from was made a LOT worse) and last year we took the decision for him to leave and go to college. We're surviving on "F*ck all and a bag of peanuts" but we're doing ok and he's a bit happier.

Happiness is what is truly valuable. Never knowingly go into something that will make you insane.

taka

Option 2 for me too... Life is too precious to spend it being unhappy, doing something you won't enjoy (collegue wise anyway), that may have a big impact on your family life too. If you can get the sums to add up (even with belt tightening) option 2 would be what I would go for too...

Have you ever been on the "live on 4k a year" challenge? I think you'd like it... Everyone sets their budget according to what they want (or need) to live on with many, many different budgets. I'm trying for £5k/yr (not including Mortgage, council tax, building/contents/life insurance and holidays but including pretty much everything else).

Everyone is doing it for different reasons - some have no choice and have to live on a restricted amount due to circumstances, illness, limited income, have debts to pay off or are students who don't want to get into too much debt. Some are living on a self imposed budgets in order to pay off their mortgage early, save/pay for renovations, save for a house deposit, travel etc. Its a lovely bunch of very diverse, supportive people some of whom have made big decisions career wise that would restrict their incomes but they are far happier for it and are triving on the challenge! Some of the "dreams/wished for things" of some of the members are beginning to happen too... self sufficiency, buying a beautiful cottage, returning to work, travel... I love it!

Hmmmm... not doing very well with the lurking am I :rotfl:

Raini

Hi KJ, Option 2 definitely! You can't buy happiness or health ... Small Boy (love that by the way it's so cute!) & OH will ultimately benefit more from a happy & healthy you than more money ... x

kissjenn

I am so touched thank you all , especially my failed lurker - I know it takes a lot to expose yourself.







I will check out the challenge thread, that sounds good. I do feel more relaxed but always a touch guilty...over developed work ethic. So will chill and concentrate on OU, Businesses 1 and 2, Cab and renovation.

Hope you're all having a grand day.

Raini

Don't feel guilty lovely, you're allowed not to take a job that would make you miserable! And anyway you sacrificing your professional self for your family - how generous of spirit is that? You should be proud of yourself lovely. Yay you :T:T:T

kadiya

kissjenn wrote: »

Impacts:

................................................Option 1 ..............................Option 2

OU Degree ............................Struggle .................................Enjoy

CAB Adviser Training.............Drop..................................Complete

Small Boy Support..................Buy..............................Buy and Provide

OH Support....................Buy but Still Gaps.......................Provide

Renovation.........................Buy PM.....................................Self PM

Rental Business........Buy extra support..........................Self factor

2nd Business....................Abandon..................Set up and include Small Boy

Consultancy Business......Primary.........................Secondary/Tertiary

Money....................Comfortably Well Off..............Tighten-Belts MSE – Can manage for 12 months

Well, I got to the end no probs and if it was me, I'd have gone for option 2 aswell.
In fact, am glad you chose it!
Things have already been rough for you so far, especially with OH's problems, and that realistically, it is better to keep things close to home while the recession is going and you have projects on the go.
And lets face it, the emotional and physical investment you put into your family and home NOW will pay off more dividends in the future than any short terms prospects could.
Well done to you :T

kissjenn

So after the early morning epiphany I'm feeling more focused and in control. Decisions are made so now we make them work. Thank you to everyone for your support, it's so much nicer feeling you're not completely deranged at all times.

CAB was good today and got to sit in on my first two interviews. Not too scarey and keen to crack on. Volunteered for extra shift next week to get more under my belt and help out in the holiday season - kids all finished school today for 7 weeks.

So diary for coming week is starting to fill up which is good and positive.

Sat - OU Day School
Sun - Family day out caching if it's nice.
Mon - CAB am and meeting with Muppet pm
Tues - Business 2 start-up meeting and brain-storm
Wed - Accountant am RNIB Mobility Training (OH) pm
Thurs - Braille Class (OH), Business 2 planning session - project plan
Fri - CAB am, RNIB (OH) am, PDSA (Small Boy) pm

Plans are good. Plans are my friend. Plans involve stationery. Stationery is good. Stationery is my very best friend.

Seaxwyn

definitely option 2. option 1 is not just sacrificing your own well-being but your husband's too. And you never know what is around the next corner - there will be other opportunities.