We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Today is a new day!
Comments
-
Well, my pick up from the other day totals just under a £1k, £920 in fact. Loads of people have ordered the windscreen frost cover - I wonder why! - and its out of stock till next week - again I wonder why!, so if I am to include out of stocks the figure is nearer £970, but for one pick up, from 170 books thats just terrific. I put out 221 of the lovely things yesterday and on Mon.. So, am v hopeful of over £1K when I collect those tom. It will be another all day job out and about. Mum has dd tom, so Im not so restricted with time. It will be v worth it though! That would mean potentially OVER £2K in equivalent to one week. Bring it on! Have decided to leave the team building until dd is back at school next week so my time with her is not lost. We have a day together today, although we do have £700 of the above total in deliveries to do later. Shes v good, sits in the car as good as gold. Helps me carry the bags etc. She wants to be a Kl distributor when shes older, a doctor, a nurse, a teacher, a dancer. Bless her!
Ive been emailed by ebay, there are 2 days coming up which are free listing days. Am going to focus on loading stuff there those two days. No more procrastinating in that dept, get the Kl orders in, and then back to normal next week with the focus on Kl totally doing the orders and team building as well.
Failure is not an option. I will, I will , I will succeed. We are doing ok, dd and me! We will get through the next 6 weeks, and when we do, I know we can do anything.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!:T0 -
Smart_Mart wrote: »Snail mail IS post, PaF, just a way of describing how slow it is compared with email.
I'd agree though that writing to the chief exec. is the best way forward as emails can conveniently not be received...:o
Send it via recorded delivery so that acceptance of delivery cannot be denied. xPlease 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!
Proud to be dealing with her debts 1198~
0 -
Hi PaF!
Sorry I have been missing in action for a while, but I've been reading as I go along. I'm sorry to hear about the rubbsih time you've been having, but I'm delighted to see that things might not be as bad as you originally thought. I'm with you on the benefits/NHS thing as well, and it really makes me wonder how all those layabout scroungers manage to get their money out of the benefits system when deserving cases (such as yourself) who have pride, detemination and the desire for a better life a-plenty can't even get what they NEED. :mad: And your "Operation get through February and March with everything paid for" is an inspiration as I've had a rubbish month with money and sorely need some inspiration for this month, which you have duly provided. :beer:
PaF, you are brilliant. You really are. Don't let the barstewards get you down, and best of luck getting through it all. I think you are going to not only make it, but exceed it by the looks of things, and then you will have reason to feel EXTREMELY proud of yourself! :T
(absent) Pickle,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!
Proud to be dealing with her debts 1198~
0 -
Well, just had a tel call that caused my heart to fall to the pit of my tummy, thats what it felt like anyway. I was advised by the garage re the car to contact Motorbility to get the business insurance transferred over, and to check whether they needed any paperwork beforehand. Contacted them this am, the rules on what they can insure business wise have changed, and they would have to put me through to the underwriters to approve me. Well, I just became so worried at this stage. Ok, I thought, worst case scenario is I would buy my own car and then no one can tell me what I can do with my life. I am not prepared to give up the right to work just to qualify for a benefit. It would be the benefit that goes, not my work. I could feel myself becoming all defensive on the tel. Why I asked them is it such a huge thing that a disabled person has to justify why they work and do what they do to get by. What I do is legal. I have absolutely nothing to hide. Its all above board. Why is it assumed that anyone with a disability does not have aspirations or has to justify why they dare want the same life as everyone else presumably wants, a free, fulfilled, and happy life!, that s what it comes accross as to me. I would not be able to work without the car, it is my resting place during the day in between doing everything, it gets me from a to b, it allows me my independence. Anyway, I went through to the underwriters, and they said as long as nothing had changed, it would be ok. They still have my long letter I wrote to them last time on file asking why it was such a sin to want to work rather than lose everything Ive ever worked hard for and in such a case live off the state!! Yes, it got my back up then too, rightly or wrongly! It just makes me so mad.
What a thing. Have recd the info on Direct Payments today, not sure I want to engage with any of these authorities if justifying my life is how I get the support. So, I will read up on it all at the weekend, just not sure right now about going through it. I am realising Im a positive person at heart, just that Im aware situations like these really effect me and I dont want any more battles right now, just a life where I can do my best, provide for dd, and feel at peace with myself. Dealing with these issues does not do anything for my peace of mind, they make me feel like an alien!
That my venting over, back to being positive. Just recd my Kl delivery, am not dressed yet so the delivery man has had the delightful experience of seeing me with my hair looking like a punk rocker, and sporting my glorious spotty dressing gown! Its the one morning, Im not rushing around so my dd and I have just been chilling. Back to work now though. Sort delivery, get lunch and dressed, load car, and get the deliveries done. Expect to be working till 8pm ish I think.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!:T0 -
PaF, reading your diary always beings such a lump to my throat. My mum is disabled & a lot of what you say really resonates with my experiences.
You do a brilliant job as a single mother & it sucks that you have such battles to justify yourself. Just remember not to be overproud - please don't bite my head off at that - I just mean that there are a lot of genuine lovely people out there to help you, as they help us able-bodied childless types too, & asking for or taking help isn't a weakness
I hope Spring comes soon so you can get even more into your business & earn oodles
Hope I haven't caused offence
HB@ LBM = £15,872.65, now £10,819.82AF Jan = 7/? Feb = 5/14 Mar = 14/20 Apr = 6/14 May = 2/14 June 2/14 July 0/TF Aug 1/TFv Sept 6/TF Oct 4/7"NEVER DOUBT YOUR OWN QUALITY"0 -
I'm with you on the benefits/NHS thing as well, and it really makes me wonder how all those layabout scroungers manage to get their money out of the benefits system when deserving cases (such as yourself) who have pride, detemination and the desire for a better life a-plenty can't even get what they NEED. ,
Couldn't agree more! PAF you are amazing! If there were more people who didn't have the entitlement mindset and were as committed and brave as you, this country would be a wonderful place to live.
Just amazed by everything you and your daughter have achieved. I have to say that I usually have a hanky handy when I read your diary as it's not unknown for you to move me to tears!Overpay!0 -
POSITIVE_AND_FOCUSED wrote: »Well, just had a tel call that caused my heart to fall to the pit of my tummy, thats what it felt like anyway. I was advised by the garage re the car to contact Motorbility to get the business insurance transferred over, and to check whether they needed any paperwork beforehand. Contacted them this am, the rules on what they can insure business wise have changed, and they would have to put me through to the underwriters to approve me. Well, I just became so worried at this stage. Ok, I thought, worst case scenario is I would buy my own car and then no one can tell me what I can do with my life. I am not prepared to give up the right to work just to qualify for a benefit. It would be the benefit that goes, not my work. I could feel myself becoming all defensive on the tel. Why I asked them is it such a huge thing that a disabled person has to justify why they work and do what they do to get by. What I do is legal. I have absolutely nothing to hide. Its all above board. Why is it assumed that anyone with a disability does not have aspirations or has to justify why they dare want the same life as everyone else presumably wants, a free, fulfilled, and happy life!, that s what it comes accross as to me. I would not be able to work without the car, it is my resting place during the day in between doing everything, it gets me from a to b, it allows me my independence. Anyway, I went through to the underwriters, and they said as long as nothing had changed, it would be ok. They still have my long letter I wrote to them last time on file asking why it was such a sin to want to work rather than lose everything Ive ever worked hard for and in such a case live off the state!! Yes, it got my back up then too, rightly or wrongly! It just makes me so mad.
What a thing. Have recd the info on Direct Payments today, not sure I want to engage with any of these authorities if justifying my life is how I get the support. So, I will read up on it all at the weekend, just not sure right now about going through it. I am realising Im a positive person at heart, just that Im aware situations like these really effect me and I dont want any more battles right now, just a life where I can do my best, provide for dd, and feel at peace with myself. Dealing with these issues does not do anything for my peace of mind, they make me feel like an alien!
That my venting over, back to being positive. Just recd my Kl delivery, am not dressed yet so the delivery man has had the delightful experience of seeing me with my hair looking like a punk rocker, and sporting my glorious spotty dressing gown! Its the one morning, Im not rushing around so my dd and I have just been chilling. Back to work now though. Sort delivery, get lunch and dressed, load car, and get the deliveries done. Expect to be working till 8pm ish I think.
I don't understand this at all. I thought the point of Motability was to help people with their independence. It seems that people are actively encouraging you to stop working and live off the state; as a taxpayer, I find that unacceptable to discourage aspiration and hard work.
I remember when I used my own car for business use, it didn't cost me anything at all to change the insurance, so not sure what has changed here?
If you want any letters written to DLA, Motability or anyone else, please let me know, I would love to do something practical to help you :TOverpay!0 -
poorbutrich wrote: »I don't understand this at all. I thought the point of Motability was to help people with their independence. It seems that people are actively encouraging you to stop working and live off the state; as a taxpayer, I find that unacceptable to discourage aspiration and hard work.
I remember when I used my own car for business use, it didn't cost me anything at all to change the insurance, so not sure what has changed here?
If you want any letters written to DLA, Motability or anyone else, please let me know, I would love to do something practical to help you :T
HI Poor but rich
Sorry to be a moanie minnie! Please know Im eternally grateful for the help I do receive. I just have always been surprised that others in these areas of authority are surprised I work. The man who helped me appeal my case re my DLA application assumed initially I was receiving Incapacity or Income Support. I receive neither as I work! When Social Services became involved after my falls increased they urged me to stop working and go on Incapacity that way they could help me financially with a stairlift etc. ( A charity paid for the stairlift I now have bless them) I told Social services I appreciated the fact that they were trying to help within the rules but for me, by me going on Incapacity I would surely be breaking the rules and commiting fraud because I CAN work. Equally importantly, by not working I would cause my mind to be incapacitated, I would lose me, the person I am because I feel fantastic when Im working and doing my thing, coming from contribution and all that sort of thing, achieving against the odds. I love the challenge!
Anyway, re the Mobility, as long as I go through to the underwriters at the Insurance Co when I have the details of the new car, everything should be ok, please God. I too thought that receiving support would help liberate me as a person, however I have to say my take on it all is that I almost feel guilty for leading my life like I do, for working, having to explain myself etc. I am very grateful for what I do get, Im going to the physio for eg in a couple of weeks, and they are fantastic. I do feel blessed, Im just not prepared to compromise my right to choice as a human being , however fortunately with regard to the insurance that should not be an issue. I hope!
Thanks for your offer Poor butrich. Please know I am ok. I hope you are too. Thank you!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!:T0 -
Well. here is an update on things. The punk rocker hair do has gone, as to has the spotty dressing gown - for the time being anyway! In their place is a bedraggled person sitting here having walked in and dried off from the rain more times than I care to recall today! Nevertheless, it saves me washing the car this weekend! and the effort has paid off, from my pick ups so far today, I have achieved £600 in sales with more orders to collect on Mon from customers who wanted to keep the books for a little bit longer. That makes it in the region of £1500 sales in two pick ups, equivalent to 1 weeks work. My target was £2K , and that may still be possible with orders expected on Mon, Im still v pleased.
Financially, Im £288 down on where I need to be over the last 4 weeks and I have the £349 to find in addition for the adaption. However, I still feel v confident that I can meet both these shortfalls with ongoing extra effort re my sales and team building and indeed ebay. My funny foot has been giving me some bother today, however the cold and rain is not an ideal environment, and my determination at the mo to get through this tricky time means I would crawl on my knees to get the business if I have to!
Been thinking today what if? What if I do achieve my short term financial goals over the next month, where does that leave me for future months. Just think of the possibilities ! I could repeat the success Im about to embark on and repay more debt off quicker, I would have that emergency fund, the reasons for making it happen are so so big and life changing. I just have to do it. Failure is not an option, and as if someone somewhere was telling me it is possible what do I receive in the post today but a chq for £50 from a dear person who has been looking on from afar and has wanted to support and help me. What do you say to that? How kind? How wonderful? There isn't enough words, there aren't the words to say how I feel, how touched I am to that person. I am speechless really. It made me cry in the car this eve! It made me feel Im not alone and that all will be ok, that I can do this because the person who sent me the chq believes I will get through this period. That in itself means everything. I just need to maintain the same belief in myself, and go out there and make sure I achieve the great results Ive had this week since the last bout of snow. So, I say thank you to that person, and I will be placing that money in my adaption fund, so just £299 to find between now and the 31st March for that.
Better get on, books to sort out, and a hot cuppa is needed! Am back to being my name, positive and focused! Thank you !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!:T0 -
PaF, reading your diary always beings such a lump to my throat. My mum is disabled & a lot of what you say really resonates with my experiences.
You do a brilliant job as a single mother & it sucks that you have such battles to justify yourself. Just remember not to be overproud - please don't bite my head off at that - I just mean that there are a lot of genuine lovely people out there to help you, as they help us able-bodied childless types too, & asking for or taking help isn't a weakness
I hope Spring comes soon so you can get even more into your business & earn oodles
Hope I haven't caused offence
HB
Hi honey bear
Please know you haven't caused offence, far from it, and I heed what you say. It is v easy to become over proud, however I am learning to listen to myself and when someone offers to help me I have started to say yes and thank you more. When my neighbour comes home at the same time as me, he and his wife often offer and unloads my car for me of dds things and Kl catalogues etc. It is a huge help and they do it so quickly. However, it is fair to say I do treasure my independence and do not want to impose on anyone more than I need to.
Thank you though, and I hope your mum is doing ok. Stay strong both of you! Take careMy 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!:T0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.3K Mortgages, Homes & Bills
- 177.1K Life & Family
- 257.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards