Mr and Mrs K's New Journey to a Debt Free Life.

AlexLK

heartbreak_star wrote: »

*chuckles* Granariesgirl has just put it better than I ever could re different crowds of people

There's plenty of drugs and pregnancies in all schools - please bear in mind my school was ROUGH! But because I was brought up to respect teachers and work hard I managed to stay away from all that. You're doing a great job bringing him up so far, and wherever he goes he will be encouraged and helped. That goes a long way

Library's a good idea today - or make some salt dough and have an art afternoon? I wish I was a kid again sometimes

HBS x

We try our best , I'm just concerned that my best will never be good enough. At the moment I see him starting to develop his personality and feel so apprehensive for the future. My parents were brilliant and look at what I've turned into.

As for wishing you were a kid sometimes, you are not the only one I'd love to go back to those carefree days

AlexLK

wegle: Thank you so very much for all of your responses. Mrs. K. thinks I should look into trying to get some help again for my anxiety and depression. However, I'm not sure if I'm strong enough to go through it all again. Currently, I feel utterly sick for how I have looked down on others in the past, I shouldn't have.

Other responses: My doctors in the past have said I ought to cut down on the amount I drink as it's not helping. One thing I am pleased with, the only positive to take from today - I had no wine with my dinner, just a glass of water.

Feeling so guilty to have let everybody down, especially when you have all taken time out of your own lives to respond to me.

AlexLK

HPoirot wrote: »

Hi, didn't want to read and run as you have just posted, this is only the beginning of your debt-free journey and of course it will take time to change a spendthrift mindset. Look at the bright side, you didn't blow all of today's earnings or dip into other earmarked funds, you have made £10 net! Onwards and upwards!

I do hope onwards and upwards is the case.

Anyhow, I will write my diary entry for today.

AlexLK

OK - Here goes .... I am sorry to let you all down :

Friday 6th September, 2013.
Day 5.

Dear Diary,

When I began this diary, I promised myself I would publish my day to day triumphs and struggles, no matter how despondent a day had been. Well, the first test of my commitment to this very log has happened today.

Only three days ago I was told what a "complete and utter waste of space" I was by my brother-in-law, today that is exactly how I feel about myself with the only thing stopping me from deciding to drink fine and expensive Scotch until I passed out is a burning desire to prove I can get through this. Somewhere deep within, I still hope I can achieve.

Debt busting has been none existent today with swimming first thing, yes Mrs. K. Likes to get me up early and then my work calling me to the other end of the county, only for my potential new client to tell me he was not interested. Worse still this was followed by a slow trip up the motorway due to severe delays comprising of an accident and some large load taking up two lanes of the M1 - you know who you are, Mr. Lorry Driver. Even though my wife was off work, I missed her day off due to chasing that false lead, at least she had fun taking our little boy on a treasure hunt this afternoon whilst I was wasting my time. Fortunately, talking of time, I got back only just to begin the two trial lessons I had booked and whilst I was dreading this yesterday, it ended up being the highlight of today. I am pleased to report the pupils were both attentive and coming back next week, so at least I was £50.00 up by half past seven this evening. Following the advice on this board, both sets of parents went away with a contract stating my terms and conditions to read over and bring back next week, starting as I mean to go on with this new venture. Not that my newly earned income from said venture lasted long in my hands....

So, it was meant to be my turn to cook and to be frank, I couldn't face it and our son was getting some attention from his Grandparents again. The next thing I knew, Mrs. K. And I were ordering a meal at the local pub which I didn't even enjoy as all I could think about was how I'd failed in my new quest for financial solvency. At least I didn't order wine.

Summary:
+£50.00 Teaching
-£38.95 Meal out.

Yours Faithfully,
Alex.

7roland8

Well - don't look on the meal tonight as a failure - just a lesson to learn form and do better next week - maybe have a cheap takeaway or a ready meal - or have something at home ready for days when you don't feel like bothering.
Also maybe a few weeks ago you would not even have thought it was wrong to spend the money tonight - so that is an improvement - first to identify where you overspend - then you try and rectify.
Flip the coin and see - it wasn't you in the accident, you have two new pupils - and they're coming back - great.
Every cloud has a silver lining if you look for it.

ps - it wasn't you then on Four Rooms tonight trying to sell a silver and diamond encrusted fountain pen!!

Mara_uk7

First up Alex, you didn't let us down , you let you down. Second up, this is your first week, you made the cash before you spent it, you just used your get out of jail free card.
Thirdly, don't let this slip sabotage your whole debt free plans.

Pick yourself up and keep going.
And well done to Mrs K on the treasure hunt idea !

mum2one

AlexLK wrote: »

I have failed so miserably today.

Work amounted to nothing meaning I felt terrible, - you work in a bespoke area, not ikea, so your not going to sell everyday, but when you sell its quality, so it was a no sale day, when you have the next no sale day - think of it as a viewing in progress.


the two music pupils came - brilliant

and I really quite enjoyed that -again a positive, if your enjoying the teaching - its a skill a lot of dont have

but after I insisted Mrs. K. and I went out for a meal, so out of the £50 I earned today, I spent £40 of it. - Your not even a week on the debt free journey, what you have achieved in a week, a lot of people takes months to get to that point. Ok you spent £50 but the positive is you earnt £40 - so really you only spent £10. You need to allow treats in the budget, as there needs to be some give and take, it can't all be for the roof over your head, the creditors and your living on bread and dripping, allow a meal out a month, - that treat will give you push to get to the end of the month

Honestly, feeling terrible right now.

First you have not failed, you have had a blip..

For me if I did not have a holiday, I would be unbearable, maybe that is selfish, but for a lot of reasons for me and my daughter the holidays are like a touch of normality for us.

I left my daughters dad when I was 7 mths gone due to his behaviour, (police, social services, solicitors involved), threats of abduction. A couple of times he crawled out of the woodwork with threats to get to her, - police involved - she can't go out with friends, she can't ride her bike, she can't have her photo on school website, the hoops we have to jump through to make sure she was safe.

Court procedings happened, not the result I wanted, but hey thats life, but theres still more court hearings to come.

So thats why my holidays mean the world to me, and I wont give them up, but I cut back on other things on fund my holidays, till DD was 6 she thought that the cinema only opened on a Saturday morning when it was movie for juniors.

Sorry for babbling, just feel that your punishing yourself for not getting things right, we all make mistakes, one way or another, and to be honest on the debt free trail, I have found out who my true friends are, (i've lost 2 - becoz not going out drinking, cinema etc), but the others are like a brick, and I hope I can be as supportive to them.

DS - you say he is nearly 3, things may have changed, but from memory, is it the school term after they are 3 that they get 15hours of goverment funding, this can be used at a nursery if there is one attached at a primary school or in the private sector.

As for survey sites, and cashback, I set up a spare email address, I've never really been spammed, but it keeps it all under one roof.

With your depression, have you tried another GP, when I was going through court with my ex, I ended up seeing one of the other GPs in the pratice and they were a lifesaver for me. I've since changed surveys and been suggested that I go for CBT, but I'm not ready to make that step, sounds silly, not ready to admit that I do need some help.

Apologies as always I've babbled for England x

AmyandArthur

Alex - right, sunshine .. here's the facts. You chased work, it didn't work out. Sh*t happens, what you didn't do was buy a pen and a new pair of trousers to make yourself feel better. Success!
You started on your music lessons - Success. You enjoyed it and got paid for it - Double Success.
You had an evening out and are still TEN QUID UP. Success.
Tell me where the failures are again, I can't quite see them.
Remember, you didn't build your debt overnight - you won't get rid of it overnight. And like that diet I mentioned earlier, some days will just be sh*t. They just will be. Ride the waves buddy, some of them will tip you off, you swim to the surface, you ride the next one .. one of them will dump you right on the seashore where you can finally look back at the bumpy ride and say I BLOODY WELL DID IT - got wet, swallowed some water, nearly drowned a few times, but I stayed swimming and I did it! What I didn't do was give up and drift right back out to sea because I got fed up of getting a gob full of water a few times.
Keep on keeping on .. tomorrow you'll have that tenner to remind you that yesterday you didn't spend more than you earned.

AlexLK

7roland8 wrote: »

Well - don't look on the meal tonight as a failure - just a lesson to learn form and do better next week - maybe have a cheap takeaway or a ready meal - or have something at home ready for days when you don't feel like bothering.
Also maybe a few weeks ago you would not even have thought it was wrong to spend the money tonight - so that is an improvement - first to identify where you overspend - then you try and rectify.
Flip the coin and see - it wasn't you in the accident, you have two new pupils - and they're coming back - great.
Every cloud has a silver lining if you look for it.

ps - it wasn't you then on Four Rooms tonight trying to sell a silver and diamond encrusted fountain pen!!

You are right, a few weeks ago I wouldn't have given a damn, tonight I am feeling so ashamed of myself and not very well as I've not eaten that amount of food in a couple of months.:mad:

I'll try to bear that in mind re. the silver lining. Also, I've just read a post on here and feel even worse about everything because there really are some people much worse off than myself. Somewhere, I do have a good heart, it's just quite a way from the surface.

hahaha not me, no! And silver and diamond encrusted fountain pen you say ... Seriously, what did it make? Was it a well known manufacturer?

AlexLK

Mara_uk7 wrote: »

First up Alex, you didn't let us down , you let you down. Second up, this is your first week, you made the cash before you spent it, you just used your get out of jail free card.
Thirdly, don't let this slip sabotage your whole debt free plans.

Pick yourself up and keep going.
And well done to Mrs K on the treasure hunt idea !

Trying my best to pick myself up. Mrs. K. summed it up - having had a stressful day, we didn't think!

As for the treasure hunt it is reported they really enjoyed it ... somehow I wonder if it was the wife that enjoyed it more than the boy.:rotfl::rotfl::D