Today is a new day!

misselvis

I want to add my congratulations and pass on my positive vibes to your snowballing and debt reduction. roll on the summer targets

POSITIVE_AND_FOCUSED

This will be a long post. What a week. The week my mortgage goes out. The week to put my new working plan in to operation. The week my target sales were £1025. Week 1 of the school hols.

How has it gone!? Ive wept, laughed, worried, felt pleased, a roller coaster of emotion.
So, negatives out the way first! Cried because I didn't think Id make my mortgage payt. It did in fact leave me with £2.25 avail - in my OD facility. I thought I was going to be short and I thanked God - literally - for ensuring all was well. The next task is to get through this coming week. From the 28th to the 15th, payments go out galore and while my business is going well I just need to be more organised! Worried for the same reasons as above, not been able to sleep properly worrying, I really miss my DH as he's not here to talk with about worries, it always goes round in my head until I drive myself mad. My DD bless her told me it is alright to be poor! and promptly gave me the £2 she got from my dad for having a good school report, and then 1p she found on the pavement!

Now, for the positives! I watched my fav film "In The Pursuit of Happyness" again. What a film, it is simply so fantastic and so inspirational. It really goes to show never to give up on your dreams, and most important of all to have self belief and confidence in yourself. Ignore what others say to you that might be negative, and just go for it. Such a terrific film, and the fact it is a true story makes it all the more powerful. Watching it always makes me feel better, makes me know Im doing my best, I can look at myself in the mirror and know I will be ok, that my daughter will have a great future.

On the subject of DD, thank goodness for scooters! Whoever invented them needs a medal. My DD has loved playing with her new scooter and its made working with her a lot easier than otherwise. £ 9.99 well spent! Not sure if I can say what I do for my business, if it is allowed on here so will just say I often walk from customer to customer, and my DD is now enjoying scootering alongside me! Time Management is unsurprisingly an issue, we are not finishing in time before our picnic,instead we work, have the picnic, then carry on working till the job is done. Nevertheless my DD would prefer that and then go to the holiday club a couple of days a week as opposed to being at the club every day, so as long as she is ok with it it helps stop the guilt I feel.

Target sales were £1025, achieved £965 so still very pleased with that. A bit more push and I will get there. Sales this week so far total £600 with orders to collect tom, am expecting the final total to reach £1K for the week, some very good business tel calls too which look really good.

A friend has helped me get set up on Ebay and is coming over at the weekend to help me get my first item loaded to sell so thats positive.

Have heard from my Bank regarding the bank charges Ive accrued since 2003. Again, this is a positive development, however their letter made me cry too! I thought I had been charged no more than 10 times or so, I was in fact charged 11 times alone in 2004, and 9 since. Why I cried is that I thought I coped really well after my DH situation all things considered. Our DD was 8 months old, I had to wait 4 months to be able to give DH a funeral because of forensics etc, then the trial, then being reunited with the possessions that were on him at the time, then the prosecution service , then working my bus and being a mum through out all of it and coming to terms with it all and I am sad my memory of that period in my life is such a haze. It was a shock to see I had 11 charges in 1 year, almost one a month. What a thing. Anyway, not sure what my next move will be, whether to wait or go for it, their letter was essentially saying I should not expect a refund of charges until the outcome of the court case.

Unfortunately, I may need to rely on a credit card this month to see me through, my emergency plan. Not healthy, not good. My only consolation is that I know most of my payments this month arrive in my account after my outgoings go out. My direct debits are monthly, some of my payments in are 4 weekly, so its all out of sync and this month I'm feeling it. The good thing is that I should be in a position in a couple of weeks to pay it back in addition to my monthly repayments so my repayment plan will not be affected.This is a blip Im telling myself. All will be well, all is well. I'm not in arrears, I am coping, I am working hard, and I saw an interview with James Khan - one of the dragons from Dragons Den - and even he had a time where he was near broke so if he can make it to the other side, what is there to stop me. Being debt free is a reality, it's not just a dream, my mortgage is reducing, in the main so is my debt, and I am very blessed!

There, its over - this post! Off to bed I go, tomorrow is a new day!

scrooge2008

Good to hear you are sticking with your plan, and making great progress.

Keep up the excellent forward momentum. You can do it.

POSITIVE_AND_FOCUSED

Thank you Scrooge! I need your moral support in this quest! Just come on here quickly as I am pleased to report that I have paid off another £285.19 off my mortgage. Have assessed my finances again this am, and am just about hanging in there. Not so panicky today about it all. On and upward, need to prepare for the day and get on with work DD currently watching tv, shes so good, and we will go out and build our business in due course once Ive sorted out the washing, and some paperwork!

POSITIVE_AND_FOCUSED

Quickly popping on before bed. Really pleased as my business sales totalled £1031! Not bad with DD in tow. Visualisation is such a wonderful thing, I'm sure that helps to keep focused and achieve goals. I ve just visualised order forms galore where the customer HASN'T used invisible ink and sure enough Ive had some fantastic orders.!!

Got quite a busy weekend. Plan to:
1 Do Paperwork
2 Sort out finances for coming week and where I am with my Snowball plan. This last week hasn't gone to plan with reducing my debt, but then I will be able to make up for lost time in a couple of weeks so all should be well
3 Finalise my action plan for next week.
4 Make some sausage rolls with DD and have a picnic somewhere
5 Washing and Ironing
6 Telephone calls to do tom - Business ones which will help with the growth of my business.
7 Banking

Goodnight. Thank you for being there. These diaries are such an inspiration and motivation to keep going and knowing all is going to be ok and is moving in the right direction. Night

boredofbeingathome

Well done on your sales and also on visualistion. We have to keep believing in the long term goals.

Oh and belated welcome to diary land.x

Bob X

Primula

Hello
I have just read your whole diary to date and it brought a lump to my throat, we do take so much for granted and we really shouldn't. You are one tough lady and sound absolutely amazing. I am subscribing to your diary and I will be back to see how you and DD are getting on.
P

Different_Corner

Positive and focused.
Just want to say I think you are awesome. I'm in the same situation regarding my DH, be it through very different circumstances.

I go for the guardian angel approach too. It gets me through the bad days. Love In Pursuit too, in face I love anything that fires me up.

Stay with it.

chevalier

Very moving thread I hope you achieve all of your goals. Make my problems seems such little ones

Whilst I know it is not something you might want to think about, but are you entitled to criminal injuries compensation?

POSITIVE_AND_FOCUSED

Fell asleep in the armchair last eve, one of my weaknesses since my DH situation. The lighthouse in my street our house can be sometimes, all the lights on, TV on, so cross with myself! Woke up at 5 this am, then went to bed and woke up at 10. Was so tired, worked yesterday with DD, then we made some sausage rolls, I had an afternoon nap yesterday as I was feeling tired then. Sometimes, it hits me and it is all I can do to get to somewhere to have a nap!! However, have had a relaxing morning today. We are staying at home today as opposed to having a picnic somewhere, am quite relieved as need to just "be" if you know what I mean. Not dressed yet, plan to potter around, have a light lunch, and then do ironing this afternoon, get dressed, then sort out what I want to get on Ebay for starters and then prepare my business bits and pieces for the week. Have looked at my finances, am confident that I can get back on track over August, v excited about my sales to date - got another £26 into this weeks Sales pot yesterday which wasn't expected so a head start already! strange that I can mention my sales with confidence but not impart my SOA yet. Im ashamed of my SOA , thats the truth of it, Im ashamed I haven't dealt with it these last 6 years, however in truth I know I have felt like we are living on a tight rope both financially and emotionally, and physically, whereas my sales and business calls ultimately mean income, and income means reducing my debt which has to be good and that makes me feel good and there in lies the difference! Am starting to canvas for party bookings at the mo with some of my customers, have 3 booked to date for Sept onwards when the Xmas season starts. Having some fab business calls, didn't get to do all the ones I wanted yesterday because of having a nap, but I will catch up tomorrow. My DD is spending the day at my mum and dad tom so I can catch up without worrying about her and I know she will have a lovely day.

Will leave it there. Take care and thank you for all your kind words. It helps to keep me positive, and knowing that all is well and that we will get to the other side and that we are on the right track, albeit a very slow track and we are not alone in our endeavours! Thank you. Off to enjoy our Sunday, making a nice Chicken casserole shortly!