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

slowlyfading

You can do this just try and stay positive is Mrs K set on that car though?

AlexLK

I think so, she currently has a 2002 530i which is in nice condition but she doesn't see the point in having a saloon so wants to swap to a coupe for her main daily car.

heartbreak_star

You might have "certain views" and feel like that was where you "fitted in...but Little K isn't you.

Also, you know damn well you can't afford to have "certain views" at the moment :P

HBS x

AlexLK

heartbreak_star wrote: »

You might have "certain views" and feel like that was where you "fitted in...but Little K isn't you.

Also, you know damn well you can't afford to have "certain views" at the moment :P

HBS x

I should hope he isn't me, fingers crossed he'll grow up to be more like his mother than like I.

:rotfl:

AlexLK

Wednesday 1st January, 2014.
Day 126.

Dear Diary,

Happy New Year! I actually cannot believe we have entered 2014. We had our first New Years Eve out since our son was born, a great time was had but I really did overdo things somewhat and have not been well today. All self inflicted and no sympathy sought.

Today has mostly been spent eating dinner at my parents', drinking yet more wine, spirits and Champagne before getting onto writing my goals down on paper for the coming year. Out with the old and in with the new for tomorrow is a working day, or so my wife informed me.

Debt busting has been none existent though you shouldn't expect to be anything else on a bank holiday.

Summary:
£0.00 NSD.

Yours Faithfully,
Alex.

2014 Goals

Business:
Put at least 4 hours effort into at least one aspect of the business per working day (Mon-Fri).
Apply for any business grants available.
Build and develop a website.
Follow up all leads.
Keep track of all orders and completed orders.

Financial:
Pay off my debts.
Keep to the budget and review as and when necessary.
Save £1,000.

Personal:
Forget the alternative and try to think positively about living.
Expand music teaching and see volunteering work through to completion.
Investigate other avenues of gaining added income.
Give up drinking during the week.
Try to stop being so selfish.

House:
Fix roof.
Fix central heating system.
Restore kitchen units.

slowlyfading

Goals look good

AlexLK

slowlyfading wrote: »

Goals look good

Thank you.

They all seem rather daunting at the moment. Unfortunately, I am one of those people who manages to get myself involved in all kinds of things without really thinking through the consequences of my actions. No, no not those kinds of things, you at the back.

Emmala

Happy New Year Alex!!


Just wanted to throw my thought about schools into the pot.....it struck me that you said in an earlier post that you were worried that Little K might fall behind in the state system. I will tell you (as a parent, teacher and governor!!) that the best thing you can do for your child is to find the right school for them, not worry about what anyone else thinks, but look at all the schools available, by look I mean visit, and you will get a 'feeling' about that school and instinctively know it's the right one.


We've just this for secondary school for our eldest. Our local school has been put in SM (first week of Sept, just before the choosing process began!) even though it got the best results in the city. We have no intention of him going to our catchment school, which is twice as far to travel as the local one. In the end, we have put as our first choice a third school.......it was the one which we (me, my husband and our son) all agreed was the 'right' one. Not sure we'll get in though!!! But, my point is, that our decision surprised us! We never thought it would be on our list never mind first choice. So, don't set your mind on any one school or system, keep an open mind and when the time comes put YOUR feelings aside and make the right choice for your son, put his needs before your own.


One more thing.....one of the children DS1 swims with goes to a private school which costs her (incredibly wealthy) parents 12K a year.....back in May the mum was boasting about how X had got a level 5c in her SATS......great! In a class/year group of ten children that's the very least you might expect. Money well spent. My son is in a year group of 90, state school, and got a 5a.........not money well spent, but time and effort and yes, a bit of nature too (all my kids are well above average), my point being that would my son have done any better if he'd been through the private system? Honestly, I don't think it would. Which wouldn't be money well spent, in a back to front kind of logic!!!!

AlexLK

Molly: We can only afford to send our son to either a state school or a very cheap independent unless my parents pay. So, we are very limited to which schools we can send our son to.

I never got a choice as to what school I went to and had never thought about that, I suppose at 13 they have an opinion though, if they know there's a possibility to choose. However, we need to get him through the first part of his schooling before then.

I'm afraid I do not really know how the SAT system works, I did not take them, so I am unaware of what is good / bad. However, my reasoning is about much more than results.

heartbreak_star

Seems to be about what other people think, AGAIN...given all the evidence pointing towards state schooling that you've been given.

Wait until you are debt-free and have closed every avenue or credit available to you.

Then decide

Ooo - I forgot - I did say I'd had a bad private school experience...but with students from them, rather than the schools themselves I knew some incredible bullies that came from private schools, and also several habitual drug users and a dealer. Knew there was something I remembered!

HBS x