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

maman

AlexLK wrote: »

:wave:
On the positive front, I do think I'll manage to get and hopefully stay debt free this time around.

Delighted to hear you say that.:D

mum2one

Wow that is a brill new sig hope ur all ok x

chevalier

Debts as of 2nd September 2013: £32,297.54
Debts as of 31st July 2014: £7,500.

Wow well done Alex. It doesn't matter how you have paid it off, but that you have.
chev

Granariesgirl

heartbreak_star wrote: »

No real advice I can give Alex but I do think we should all pool in and buy a brewery/winery when we're all solvent again
HBS x

Ooh yes, I'm in! :j:j
think of the FUN we could have making up names for the various cuvees! :cool:

The one that made me laugh the most was this one: actually not a bad wine despite the name... :rotfl:

maman

:wave:if you're lurking Alex.


After the lull of the school holidays with time to reflect I've always seen September as a good time to set new targets and resolutions.


What about it Alex?


P.S. Is Little K's new nursery all sorted?

AlexLK

Thanks all, not really doing very well with the finances at the moment and have really lost whatever little motivation I had in the first place.

I do need to set some new targets and resolutions but am failing to even get the basics right at the moment, one year on and mentally I'm in a worse place than when the debt free journey started. 2014 hasn't really been a good one for me.

After much ado, my son is actually going to carry on attending his current nursery. We've got some very big decisions to make over his schooling in the very near future though his name is down to attend my old school for pre-prep, my wife would like him to attend the village school.

maman

AlexLK wrote: »

Thanks all, not really doing very well with the finances at the moment and have really lost whatever little motivation I had in the first place.

I do need to set some new targets and resolutions but am failing to even get the basics right at the moment, one year on and mentally I'm in a worse place than when the debt free journey started. 2014 hasn't really been a good one for me.

After much ado, my son is actually going to carry on attending his current nursery. We've got some very big decisions to make over his schooling in the very near future though his name is down to attend my old school for pre-prep, my wife would like him to attend the village school.

Sorry to hear that Alex but the one big plus has to be that you're in a far better place financially than you were at the start. It may not feel like it but having far less debt and learning to live within your means has to be a better position!! And of course you've made some lovely new (virtual) friends that are here to support you (even if it feels like tough love sometimes).


If you want to run the 'big decisions' past us in the coming months then feel free. It might help.:)

AlexLK

maman: Thank you. Yes, I am financially in a better position although it doesn't feel like it, though my problems at the moment have little to do with money.

AlexLK

Sunday 31st August, 2014.

Dear Diary,

One year on, a year of trying to live within my means and pay my debts. More than a few times I have fallen "off the wagon", always suffered a lack of will power. However, I have learnt lots, more than I could have ever hoped to.

In the time I have been money saving I have: thrown a fantastic (and cheap) birthday party for my son, mostly lived within my means, broke away from a partnership in business to go it alone and started to earn a little more money. I have also learnt some other very valuable lessons in life, it really isn't about how many watches one can accumulate or property, or cars, or even fine writing instruments though before you start to worry I've not gone all Greenpeace on you as I still fancy a lavish lifestyle as much as the next person. However, it is not the be all and end all unless we're talking about waking up tomorrow in Monaco with limitless funds to gamble, a Jaguar XK120 to impress the ladies and a Riva Aquarama for, well, that doesn't need an excuse.

Back to the reality of not having much cash, a ever on going restoration project for a residence, no boat (not that I need one in "sunny" Derbyshire) and a good ol' Land Rover for erm, not impressing the ladies; September marks an interesting development for me as I will be both cover teaching in my old prep school and volunteering at the other school one afternoon per week. Cannot believe I'm saying this but I'm currently looking forward to going back to the volunteering more. Otherwise, it's business as usual. There's furniture new and old to be bought and sold, oh and debts to be paid.

A year is not a long time and yet when one looks back, the year previous may seem like a lifetime ago. So, here's to another year of a bit more the same though hopefully with a little more happiness thrown in, or a Riva Aquarama, for I'd settle being my usual miserable self in Monaco with those limitless funds and that Old English White XK120. Until then, I'm afraid to say you're stuck with me asking dumb questions about sorting my finances out.

Yours Ever Faithfully,
Alex.

maman

AlexLK wrote: »

Sunday 31st August, 2014.

Dear Diary,

One year on, a year of trying to live within my means and pay my debts. More than a few times I have fallen "off the wagon", always suffered a lack of will power. However, I have learnt lots, more than I could have ever hoped to.

In the time I have been money saving I have: thrown a fantastic (and cheap) birthday party for my son, mostly lived within my means, broke away from a partnership in business to go it alone and started to earn a little more money. I have also learnt some other very valuable lessons in life, it really isn't about how many watches one can accumulate or property, or cars, or even fine writing instruments though before you start to worry I've not gone all Greenpeace on you as I still fancy a lavish lifestyle as much as the next person. However, it is not the be all and end all unless we're talking about waking up tomorrow in Monaco with limitless funds to gamble, a Jaguar XK120 to impress the ladies and a Riva Aquarama for, well, that doesn't need an excuse.

Back to the reality of not having much cash, a ever on going restoration project for a residence, no boat (not that I need one in "sunny" Derbyshire) and a good ol' Land Rover for erm, not impressing the ladies; September marks an interesting development for me as I will be both cover teaching in my old prep school and volunteering at the other school one afternoon per week. Cannot believe I'm saying this but I'm currently looking forward to going back to the volunteering more. Otherwise, it's business as usual. There's furniture new and old to be bought and sold, oh and debts to be paid.

A year is not a long time and yet when one looks back, the year previous may seem like a lifetime ago. So, here's to another year of a bit more the same though hopefully with a little more happiness thrown in, or a Riva Aquarama, for I'd settle being my usual miserable self in Monaco with those limitless funds and that Old English White XK120. Until then, I'm afraid to say you're stuck with me asking dumb questions about sorting my finances out.

Yours Ever Faithfully,
Alex.

:eek: !!!!!! now he's got aspirations for fancy boats on top of all the rest!!!
:rotfl:


Good positive post Alex. I'm with your miserable self all the way. Fresh start for a new term n September:).