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

LannieDuck

That's the nature of a business - you follow leads and some work out and some don't. Perhaps the next one will

Glad the music lessons went well - I still think that's a fab idea.

I also agree you should consider going back to your GP. You seem to swing low very fast and very easily. Not being medically trained myself, I'm not sure what to advise, except going to have a chat with someone who is!

You only started your debt free journey about a week ago - how far have you come?? Try not to worry about blips - everyone has them. And this is a long-term strategy. Your debt isn't going to be gone in days. You need to be able to survive and enjoy life on whatever SOA you end up with. If that means a bottle of wine at the weekends and a trip to the pub once a month, it's worth it if you're able to stick to the budget the other times.

...and your reaction to a meal out now is vastly different from what it was before you started this thread! Your approach to money is changing....

AlexLK

Lannie: Hoping the next one does. I suppose you could say I feel under pressure to achieve, that is some of the reason I get despondent when leads don't come of anything and in part why I pay myself such a low wage. The business is building itself a very healthy capital and is not a "house of cards" built up on a load of finance and loans. In fact, if I was half as diligent in life as I am for work about wants and needs, I would have never got in this position in the first place.

So far as my health goes, I have never stopped feeling low but by the same token I am not going to do anything to harm my family either. Mrs. K. wants me to get this "sorted" along with the debts. However, I think she is unrealistic tarring it with the same brush, believing much like the doctor that I can "pull myself out of it", believe me, I've tried.

So far as the debt free journey goes it appears I have come £10 so far, hmmm not exactly miracles there? :rotfl: However, we at least have a plan in place for us to cut back the spending in order to pay the bills and have something left to pay the debts. I'm interested to do my "actual" SOA at the end of the month and see what it returns - not something I would have "looked forward" to AT ALL in the past.

Erm, yes on the reaction to the meal out! Would not have thought about it a week ago.

ETA: On the subject of debts, will everything I pay off in addition to the agreed monthly payment be interest free? I.E. if, for instance, I pay £10 off one of the CCs, will I have £10 come off the balance of what I owe OR will it be £10 less the interest? (Hope this makes sense).

7roland8

Just a suggestion - do you have a website to show off pictures of your restorations? You can do a free blog through Blogger and have pictures added etc. Easy to do and no more difficult than posting on here.

Don't think it does to look too far ahead with children - just enjoy them at each stage and let the far distant future take care of itself.

7roland8

AlexLK wrote: »

So far as the debt free journey goes it appears I have come £10 so far, hmmm not exactly miracles there? :rotfl:

Well yes actually as you might have bought that coat for nearly £300 as well - so thats a great improvement.

Mara_uk7

Alex, please go talk to a healthcare professional, what you are describing is exactly where I was a few years ago. Not wanting to talk to people, always feeling low and lethargic, just a general malaise ..

I fought not to go on any drugs, thought it would pass, but it wasn't.
Went to the doc, got prescribes anti depressants, and after about a month, everyone was noticing the old me coming back. I was feeling much more sociable, more energised, my motivation was back and i was slowly returning to my old pain in the bum self !

I was lucky in that I only needed the pills for 6 months, haven't needed them since ... And that was 8 years ago.
Depression isn't a stigma anymore, its like any other illness or broken bone that must be treated. Please go talk to someone, you cant self treat for this one.

See .. I am bossy, and can talk seriously if I feel strongly about something ! Lol. Mara

AlexLK

No website, I did used to do a blog years ago about... um, pens, watches and another thing I used to collect: don't laugh now, vintage filofaxes . Gave them up a while ago now. Still do watches, pens and model cars. Yes, I am a fully paid up and certified eccentric!

Wasn't big into the furniture back then. Talking of restorations, did I say I'm £50 up already on the Chesterfield chair I bought (it just wanted putting back up for sale), got a few days left to run as well, so that can go straight into the debt pot once it's been paid for. I suppose I've got a bit of a collection of them too currently we have more Chesterfield furniture than we can fit in the house, I've got three chairs in the garage. However, we swap them about when we fancy a change of decor in the house.

I wish I could stop worrying about the future, not only our son's future but what it holds for my wife and I too.

AlexLK

7roland8 wrote: »

Well yes actually as you might have bought that coat for nearly £300 as well - so thats a great improvement.

I suppose I would, are you lot all this bright and cheery in real life too?

AlexLK

Mara_uk7 wrote: »

Alex, please go talk to a healthcare professional, what you are describing is exactly where I was a few years ago. Not wanting to talk to people, always feeling low and lethargic, just a general malaise ..

I fought not to go on any drugs, thought it would pass, but it wasn't.
Went to the doc, got prescribes anti depressants, and after about a month, everyone was noticing the old me coming back. I was feeling much more sociable, more energised, my motivation was back and i was slowly returning to my old pain in the bum self !

I was lucky in that I only needed the pills for 6 months, haven't needed them since ... And that was 8 years ago.
Depression isn't a stigma anymore, its like any other illness or broken bone that must be treated. Please go talk to someone, you cant self treat for this one.

See .. I am bossy, and can talk seriously if I feel strongly about something ! Lol. Mara

I don't want to be put on any drugs, either. I am glad they worked for you but I am utterly terrified of losing what little control I have over my life. Four years ago I was put on some pretty strong pills and felt completely out of it, came off them myself and said I wouldn't go there again. I am going to go and speak to somebody (mainly because Mrs. K. wants me to).

wegle

I had to try about 5 different prescriptions before I found one that worked for me. Good news is once I did find the right one, I felt more in control of myself and particularly my mind than I had in years!! Xxx

bess1234_2

On day seven can you list factually a list of positives of your first week. And lessons learnt . But a factual one based on stepping back and seeing the real picture.

Mrs k will probably need to help you.

We re not cheerful Alex, we re reality. If you got some help, you could have your own voice in your head , straightening out your negative views. But at the moment, guess we re all the voices in your head :rotfl:

Ps don't tell the doctor you have lots of voices in your head talking about Argos furniture and credit card apr's , he might not understand