Today is a new day!

Keeping_Motivated

PAF, seriously why would he think 'this person again'? It was not your fault that the Tax Credit got it so incredibly wrong! And it certainly is not your fault that this crime happened to your OH, you and your DD!

You are not complaing about road works, or parking fines, or dog fouling. You are asking for help with something that is not your fault that your are desperately trying to sort out yourself, you only want some help, you are not expecting someone to pay it for you.

Remember you are not complaining, or asking someone to do it for you, you just need some help with this. You are guilty of nothing but trying hard for you and DD and you are amazing. Please ask for help with this.

POSITIVE_AND_FOCUSED

Ok, thanks KM!

I am going to sit on this for the next couple of hours. I have an appt shortly, but will be avail again later this afternoon.
My initial action plan is as follows to do later this afternoon.
1. Phone my MP. I think it would be better to see him than email him. I will target next week to allow me the weekend to get everything together and be prepared.
2. Phone CAB, and arrange an appt with them. Verify my options.
3. Review my business plan.
4. Just go over my finances once more. A couple of dds have changed recently and I want to be on top of everything precisely.

I just need to remind myself that there are options. That said at the beg of this year I was worrying about how dd and I would get through the summer and winter, but here we are still paying everything, still doing ok, just about hanging in there. I like to think dh is looking over us. BTW, while we were away, there was a morning at breakfast when my dd told me quite calmly that my dh, her daddy was sitting opposite her. I asked her how she knew. She told me she could see his shadow in the sunlight - yes we had sun!!! - and I asked her what he was doing and she told me having breakfast of course! As if I was mad to think anything else. I thought then, just maybe he is watching over us, and helping us through keeping us on the right path. Anyway, must go to my appt!

Keeping_Motivated

Your doing well PAF thats for sure and no one (not even you!) can deny that. However it is obvious that going on the IVA is not an easy option for you so you are doing the right thing by continuing with the hard work while exploring EVERY single avenue of possible help to make it at a least a little easier along the way.

If, and that is a big if, you have to go on an IVA at least you will know you explored/researched, worked hard and did every possible route before having to take that option so won't have regrets on that score.

Your DD sounds so 'together' and wise and I sincerely hope she gets comfort from 'seeing' her dad that day.

POSITIVE_AND_FOCUSED

Well, have just got off the phone from the Halifax with regard rto my bank charges claim. I suppose I should be delighted they do not think I am in financial difficulty!!! They stand by their decision to not refund me at this time. If I was to fall over tomorrow, be unable to pay my mortgage etc, thats when they would, when it is too late!! Bizarre! But Im not surprised.

Will stop thinking about it, get on with some other tel calls and some work. DD at after school club till 6 so can get a lot done till then. Am popping into the CAB tomorrow to make an appt, cannot get an answer by tel. Need to locate MPs tel number to get that sorted too........................

POSITIVE_AND_FOCUSED

Well, change of subject, have recd an email from Kleeneze Head Office asking me to update my "story", particularly on how I achieved the retail sales I did last year when I achieved my top retailer in my group. They want me to share some hints and tips which they then want to publish it would seem for everyone else! This is saying to me, come on, keep focused, we can all achieve whatever dreams we want, so I will move on from the dev today and remain steadfast that I can get through this, and beat my debt and succeed at my business! On that note, better get on with building my business, phone calls galore to make and responding to Kl email.

scrooge2008

Oh PAF,

It must be so draining to be continually fighting the system, but you are right to be true to yourself.

The MP sounds like a good idea, especially if it worked for you before, and I would ask him to send a copy of the correspondence to the MD of the bank and cc in the prime minister, nothing like taking it to the top.

miemie

Hi PAF, just found your diary and think you are a real inspiration, Your doing really well and your daughter sounds lovely.

macgirl

Hi PAF!
Sounds like you've got a good plan there, glad to hear you've got some clarity.
You are doing an amazing job staying positive (and er, focused - good name that! ), so giving yourself a pat on the back is well deserved. As you are keeping up the payments, you may find it easier than you think to pick up some 0% deals - even if it's just one.

Have you been on the Up Your Income board? A few more "furniture sales" will not only boost your income, but your spirits too and make that debt free date creep closer.
Stick with it - You WILL get there x

POSITIVE_AND_FOCUSED

Have decided to detail just every so often my sleep patterns for my future rcords to ascertain how I can work to manage to keep everything going given my tiredness issue is a real concern. So, its now 11.30pm approx. Picked up dd from after school club at 6, came home and finished off supper, ate supper with her, had a cuddle, next thing I know its the 10 oclock news. So, have slept for say 3 hours, evening gone. Apart from a couple of hours out and about this am, I have worked largely from home today, maybe thosecalls to MBNA and Halifax are partly responsible in asmuch as it is stressful trying to deal with either of them, and therefore draining!! This eve once dd was asleep was going to do a couple of tel calls, a bit of ironing, update my kl experiences for Head Office, do my to do list for tom.. None of that has got done. Washing up still to do, will update my "kl testimonial" now, that wont take long, so that will be done, the rest will have to wait till tomorrow. So, will now update my thing for kl so thats done and out of the way, then to bed in half an hour, and tomorrow is a new day, a blank page!

POSITIVE_AND_FOCUSED

Have realised this morning that I need to take a step back from everyhing for the mo. Having spent a large part of yesterday attempting to sort finances out to no avail, its taking its toll already. I need to focus on work, I am determined to fulfill my promise to myself that weekends are free for me and my dd and I need to ensure that is the case this weekend. So, having had last week off there is a lot of catching up to do and focusing to be done. All my bills are covered between now and the 15th at least and so I need to focus on the money coming in for the next round of payments, think things through as I go, and then in say a couple of weeks start to address what I can do about my finances such as go to my MP etc. I know that if someone was avail to help me this moment I would not delay the issues, but as it stands there is of course just me and I just can not do it all.

On that note, Im off to work to pick up some good orders, am receiving a delivery today and will be delivering it with dd after school, then have spaghetti bol for supper, then some calls I should have done last eve if I hadn't fallen asleep, then bed! So, a proactive day!!