301k in debt and morbidly obese - things aren't great!

MrBloater

Yeah I think the stick is being firmly gripped at the wrong end by some people - but hey, whatever makes them happy.

The point I was making was that there will be no more 'little spends' - tonight was going to be takeout night but the kids had a frozen pizza and Mrs B made some potato wedges instead. So we'll chuck a few more pennies onto the CCs.

As for the 600k house - of course it's the stuff of a madman's dreams - even with a perfect credit history and zero other borrowing, no lender would give us anywhere near that amount - but them's the kind of odds I like. People like me aren't supposed to get qualifications / go to Uni / ever leave the estate / be happily married / drive nice cars etc etc. I like proving people wrong - it suits my bloody-mindedness. And it's also something positive - I need goals, paying down the debt is a mantra that constantly reminds you of the negative, the awful burden you have put upon yourself - well screw that, I'm aiming for a mini-mansion.

So the lightbulb is fully switched on, it's just I'm choosing to look at it as a disco ball.

daisystar

MrBloater wrote: »

As for the 600k house - of course it's the stuff of a madman's dreams - even with a perfect credit history and zero other borrowing, no lender would give us anywhere near that amount - but them's the kind of odds I like. People like me aren't supposed to get qualifications / go to Uni / ever leave the estate / be happily married / drive nice cars etc etc. I like proving people wrong - it suits my bloody-mindedness. And it's also something positive - I need goals, paying down the debt is a mantra that constantly reminds you of the negative, the awful burden you have put upon yourself - well screw that, I'm aiming for a mini-mansion.

So the lightbulb is fully switched on, it's just I'm choosing to look at it as a disco ball.

Mr B - a debt-buster after my own heart! I'm new to your diary, and relatively new to the boards infact, but I'm loving the ethos. My own disco ball is showing me a ski lodge as my big fat goal, so hows about that for ridiculous - but that's exactly what I'm going to do. Paying off the debt is simply the first (enormous), step. This huge, crazy goal has so far stopped me from getting take aways, coffees, spending too much at Christmas, etc etc, and I think being able to visualise something you would reeeeeaaaallly like and how your life would be if you got there is another level of motivation that can only be a helpful thing.


So keep that crazy odds dream alive, I wish you every luck in making it happen :-)

MrBloater

daisystar - it was the title of your diary that locked into my subconscious and has allowed me to get my positivity back. Yay for ambitions. In fact, after I get the mansion, I'll get the ski lodge next to your one.

daisystar

Deal See you there.

gallygirl

daisystar wrote: »

My own disco ball is showing me a ski lodge as my big fat goal, so hows about that for ridiculous - but that's exactly what I'm going to do.

Yup, completely ridiculous. About as ridiculous as me deciding when I was 36, broken marriage, no debt but no money, that I wanted to retire overseas at 60. Guess what I'll be doing in 3 years :T. 5 years out time wise - but in the right direction .

Live the dream folks, live the dream

Igamogam

MrBloater wrote: »

So the lightbulb is fully switched on, it's just I'm choosing to look at it as a disco ball.

Love it

Bex296

I like your way of thinking, Mr B! It's much more fun to see the debt as a stepping stone to something that you actually want. I'm aiming for a month's holiday (road trip!!), followed by a couple of months volunteering, for starters. Then maybe a house, and after that I might take up skiing and need a lodge...

Buffythedebtslayer

This is the thing, isn't it? It is the point that makes the difference between going I am never going to get anywhere because I have debt and the really incredible opportunities life can offer if only you look. And why not think big? We all only live once.




Here's to Mini Mansions and Ski Lodges, Happy Christmas

MrBloater

Done 6.something km this morning whilst all normal folk were sleeping.

Scene: Last Friday of term. Usually a delivery put onto the CC would be the order of the day. But not now Mr B has had his Disco Ball moment and is going a bit extreme MSE.

Mrs B: The kids want fish and chips. And can you get me something from the kebab shop?
Mr B (rolls eyes): Like what?
Mrs B: Don't look at me like that. A chicken shish kebab.
Mr B (rolls eyes): Are you sure?
Mrs B: F you. Let's just take them to the Harvester. Or Pizza Express.
Mr B: Nope. Too much money. They want fish and chips. We're not doing any more takeaways this month.
Mrs B: Just get me some chips.
Mr B: They won't eat all their chips.
Mrs B: I want a drink
Mr B: Are you sure?
Mrs B: F off and get me a Pepsi
Mr B: They're 70p there (waves menu around). That's a lot of money.
Mrs B: How long are you going to keep this up?
Mr B: Forever. I'm now a zealot. I'm taking this twenty pound note and I'm getting 11.10 in change. You sure you really want that Pepsi. I could get 8 cans of it in Morrisons for £2.
Mrs B: F off.
(10 minutes later Mr B returns with sausage, cod, large portion of chips and Coke).
Mrs B: Is that it? Where's yours?
Mr B: I'm fat enough already. Do you have a student card?
Mrs B: Yeah. Why?
Mr B: I could have got a 20% student discount. We've just thrown away £1.78.

Mint1955

Best thing I have read for days ..... Thank you for making me smile x