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  • PAF - I was furious on your behalf reading this! And then you go on to say that the school didn't actually open until 10am :rotfl:

    What's infuriating is that there are thousands of children all over the country playing truant every day, so why pick on you when DD is 10 minutes late?

    You are an inspiration and I sense you would see selling up and moving to a housing authority place as failure. You've worked so hard and there are lots of people you don't even know about who are supporting you. So what I'm waffling about is tha you shouldn't be afraid to ask for help (I am a fine example of that - OH says I would rather break my back than ask for help moving furniture!)- even if it's for something which seems silly.

    Please take care of yourself and your wonderful daughter who sounds amazing.:A

    Thanks for your post. Please don't think I have anything against someone in a housing assoc property. Far from it. My point really is to say that I feel it is total discrimination if a disabled person has to fight to keep a property they've worked hard for if the only other option they've been told to secure support is to go on a benefit that would limit the income and therefore in my case lead to the selling of my home to survive day to day. I have had to from time to time defend my right to work which Im totally sick to death of doing. Why can't a disabled person have the same choices as everyone else without feeling that they are making things awkward for others because they - I - wont comply with what "they" consider is best for me? I get tired, yes, and that will have to be understood by them if they do not intend to offer practical support which would enable me to continue building my business and allieviate the tiredness. I would rather get my dd to school late, than early having had my very heart and soul taken from me. I want dd to know that it is so important to never give up, to follow your dream, to know that life can offer so many exciting experiences.
    That nothing has to stop anyone from achieving their goals.
    My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
    May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T
  • Well, my target for yesterday was to get 150 books out and do 20 deliveries. Then today do the same with dd. Yesterday, I got 115 books out and did the deliveries, and so those 35 books Im behind by represent about an hour's work considering Im going to specific customers. Today as forecast its raining heavily. I still haven't got half of my deliveries done because although its just 20 mins away, the village concerned is still v icy with snow and my thinking is that if it rains all weekend, that will go and it will be safer for me to work there next week.

    So, today with the rain, Im thinking 150 books is not going to happen with dd in tow. So, Im thinking if I can do half of that I will be pleased, and do the rest tomorrow, to keep on top of the sales and then the week also free to call prospects.

    Also, have had an email from ebay, its a free listing day tom, so want to put all my higher value items on there tom.

    So, all in all a lot to do, but the Kl 4 week period ends next thursday, and the sales I achieve between now and then will determine my bonus which follows the following week, and with so much lost time to make up for I have to keep focused and get the job done whatever may. Positive vibes!! DD understands. She doesn't want us to be "poor" and knows this is for our future and a temp measure to catch up!
    My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
    May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T
  • Forgot to say, dd lost another tooth on thursday! Mum bought round a bit of shopping which she refused any payment for. Bless them both!

    And Ive heard from the Halifax BS regarding my charges claim saying they will be closing the file in light of the recent court case. However, I do want to write to them again. I intend to check with the CAB re the legislation of Disability Discrimination Act because whilst I mentioned it in my letter to the Halifax, they have made not one mention of it in their replies. Their letters are clearly standard ones. My point has always been that after dh situation when I started to fall over more, was bed ridden, or whatever, needing dental or hospital treatment, when it was impossible to work, when I called them to explain the situation and they would say effectively "tough" and would charge me £35 despite explaining I could not physically get to the bank for reasons beyond my control and I had no money to pay in because of orders o/s etc waiting to be delivered. Thats the scenario I want them to answer to. And they haven't. So, Im going to double check with CAB regarding that, and if Im right thinking they should make "adequate adjustments" then I will be expecting some of those charges refunded at least the ones relating to my falls and inability to work. If I have interpreted the Act incorrectly, then it is just one more example of how I have to face up to the fact Im one lap behind everyone else in this life, stop moaning and get on with it, get myself in such a financial place that the banks will be begging for my business and I can say "tough" to them!!!
    My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
    May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T
  • Yesterday didn't quite go to plan, however it was still very productive. I decided to get "rid" of some more order deliveries and collect some of thebooks I couldn't get to because of the snow. Recd some lovely orders, enough to put through an order of over £200 which isn't bad from a few books stranded in the snow but not forgotten!!

    Today, dd and I will be putting out about 100 books. Ive been wondering if I can get away with leaving them till next week, but every which way I look at it, I need to pace myself next week and we need the income sooner than later, so I need to stay focused, and it will be just for 2/3 hours, so not the end of the world.

    That said, have just sorted out my finances, and amazingly between now and the 8th feb I only need to pay in a further £54 to cover the direct debits etc going out such as my mortgage. Thats on the basis I sell around £2500 by thursday to determine my bonus, but even then my figures are not taking into account my commission of about £450 which I have not included as it will pay for food, petrol and my tax bill. Have already sent one part payt off to the Inland Rev. Have decided to do that rather than paying them in one go because of the implications of lost earnings due to the snow, but I think Im going to be upstraight all round which is a miracle in the circumstances. I wont need to call Inland rev to delay payt, my mortage is ok, and Feb will be ok, with prospects who are interested too, the icing on the cake would be for my team to get bigger! So, if the peace of mind this wonderful business will secure me by working for just 2/3 hours today is not motivation enough to get the job done today, I dont know what is.

    Later, ebay, its a free listing day today and Im very excitied about the opportunities that await there.

    Onward and upward. Need to get on, have a nice roast dinner to cook for our return from work! Am just about to peel the spuds in readiness!
    My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
    May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T
  • PAF you really are a motivator, I read your diary and feel positively lazy so today I WILL list those ebay items I have been procrastinating about for...well I'm too embarrassed to actually say how long I've been promising to do it!

    Good luck with your work today I hope you get through it in record time and you and DD think of some weird and wonderful ways of making it a fun task to do together.

    Take care
    KM x
  • Well, my order was £197 from the few books Ive collected since the thaw! Not bad in the circumstances. This is the week where I need to really keep my head down, and get those books out there earning me the money. Have so much to fit in today, quietly confident it can be done. Am expecting in excess of £500 in todays pick up. Also, have prospects to call, but am pacing myself with those in the eve this week. It will be ok. I need to get asmany orders through by thurs eve to ensure my bonus the following week is what I need it to be to be alright financially.

    Great news, loaded 10 items on ebay, took me a good couple of hours. I guess lots of people were doing the same thing as it took a while for the photos to download, and in truth the plan was to add more. Nevertheless, I was pleased, its a start and we will see.

    Better get on, dont want to be late!!.....
    My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
    May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T
  • Keep up the good work P&F, your doing really well concidering many people havent been able to get things done because of the snow.
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Hey PaF, I've been quiet as I've been busy but I wanted to say a big 'well done' as keeping your head and getting on with it as best as you could during this nasty stretch has evidently produced results. You should be feeling very proud of yourself. :) Go on, give yourself a big pat on the back!
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P
    roud to be dealing with her debts 1198~

  • Hi PAF,

    Just found your diary!!

    Sorry to hear about the bother with the school, I think you are doing brilliantly, makes me feel really lazy just thinking about half of what you accomplish. The business sounds like it is going from strength to strength, you would be a great team leader, leading by example.

    Best, best wishes...
  • Well, half way through the week, and so far the plan is sort of working..just.

    So, sales so far since Monday £740. One of my customers is also interested in finding out more about joining my team, so that is positive. Will be speaking to her further over the coming days. Planning to pick up a another £500 today all being well.

    Have been frustrated that I have not been able to fit in any prospect calls yet simply because by the eve Ive been too tired, but I will be home after collecting dd from school today so will seize this afternoon, early eve to do them and catch up. Part of the problem is my foot is not quite pain free to walk on. It doesn't seem to matter how much cotton wool I put on top of the toe it is not quite right and is taking time to heal. So, my walking is more laboured and things take longer, and more effort than usual. Not the end of the world, just a nuisance!

    Have got dd to school on time this week so far! Sleep could be better. Have got to bed by 4am these last two nights having been asleep in the chair for a good 6 hours! This has to stop, it just can not continue, so, need to make sure I get to bed at a decent time tonight. Am aware with each passing day Im more tired, so looking forward to a relaxing weekend.

    Saw the counselling lady from the school yesterday again. She seems to think Im doing really well and am organised. I did wonder if she was thinking she was talking to someone else as I feel far from organised with sleep as it is, and time management issues meaning phone calls haven't been done etc! and feeling absolutely done in.

    That said, thank you for all your good vibes too. I am very grateful for the support I am embracing from all avenues, the school counselling service, the local charity who are ongoingly supportive and who provided the payment for my stair lift which is an absolute godsend, this forum, my family and friends, more recently the NVA. I feel I am doing all I can to be proactive to ensure a stable, positive future for dd and I, and I just need to keep working on my self, chipping away at the areas I want and need to improve, and really truely start believing I can do it.

    Finally, just recd the book Flip It from Amazon. It looks good, only read the first chapter, but Im already hooked. Am looking forward to reading the next chapter before bed tonight! No more sleeping in the chair!

    On that note, need to go off and pick up my books and get those orders in!!

    My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
    May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T
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