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

AlexLK

maman wrote: »

Not sure I'm interpreting that correctly.

As for a holiday, that's perfectly doable for next summer. That's an age away. By then you will have cleared your debts then he cost of a holiday would be peanuts compared with what you've paid off in the last year. Start planning!

I regret posting that but as you've quoted I cannot really delete. Yes, I think you are most likely interpreting that correctly. She reckons she wants to remain married to me but be able to see someone else to get away from her responsibilities and have "some fun". Apparently, she thinks she married too young and being a mother is "too much" for her. According to my darling wife I've become a "killjoy" in recent times.

It would be nice to go on holiday for a week next year, not really sure where to though nor do I want to be selling assets to afford some time away.

Mara_uk7 wrote: »

Alex, Why wait till next Summer ? Book something for Springtime, when little K can be taken away, when weather here is still cold and sunshine will be a blessing. That will give you a target to aim for with your debt clearing - 3 months should do it, cos when you turn your mind to it, you really do hit the targets ! A cheapy week in the Canaries or Greece wont break the bank if you go canny .
Sounds like you could do with a nice target to aim for and look forward to

Hi Mara,

Thank you for the encouragement. We cannot go away in the spring as my wife is already going on holiday for a fortnight in April and I doubt her work will let her have another week away so close.

All being well the remaining debt will be gone around March / April time if I pay the amount I am currently doing so each month. It would be nice to have a holiday to look forward to, even if it's just a week away to my parents' Spanish apartment.

heartbreak_star wrote: »

Alex, I am so proud of you. I don't think there's anything more I can say really - the post you wrote above is an excellent one and it proves two things.

Firstly, that the little changes you started with have become bigger changes (and have made a huge difference!) and secondly that even the odd slip-up is not the end of the world. We're all human.

Well done for standing firm with Mrs K. despite knowing the potential consequences.

Lots of love, hugs, and festive positivity!

HBS x

HBS: Thank you.

Looking back I realised I've managed to make a lot of changes which should result in getting and remaining financially solvent. I hope this will provide a base for a more secure future and set a better example to my son. I plan not to shy away from getting him to take some financial responsibility as he grows, in the hope he won't end up making the same mistakes I did.

When my wife began to lose interest in sorting our finances out, I always hoped she would come back and understand that we cannot just carry on as we were, no matter our income. I still hope she will.

maman

AlexLK wrote: »

I regret posting that but as you've quoted I cannot really delete. Yes, I think you are most likely interpreting that correctly. She reckons she wants to remain married to me but be able to see someone else to get away from her responsibilities and have "some fun". Apparently, she thinks she married too young and being a mother is "too much" for her. According to my darling wife I've become a "killjoy" in recent times.

It would be nice to go on holiday for a week next year, not really sure where to though nor do I want to be selling assets to afford some time away.

My response to the former would be so full of asterisks or unprintable so I'll let that go.;)


You don't need to be selling things to go on holiday. When the debts are cleared you could actually save for it!

heartbreak_star

That's called having your cake and eating it, Alex. Don't get walked on.

*hugs*

HBS x

Mara_uk7

Alex, When I mention you & little K having a break together, I never mentioned taking the aforementioned selfish person with you ! After all, Did she invite you to go away with her in April ??

mum2one

i'm guessing the 2 week in Apt that your not going, is Mrs K taking DS with her.

The holiday for the 2 of u, (u and Little K) would do you both the world of gd.

Please dont get walked over, it sounds like once you tightened the purse strings, Mrs K, hasn't appriciated it, and exects to be kept in the lifestyle she has been use to, I'm sorry but life is not like that, you have to take the good and the bad, to me it sounds like Mrs K would just walk, i dont see her wanting Little K full timr it would cramp her style,

Your worth 1000 times more than what your being put through, I would say get through Christmas and New Year, then have a sit down and see what happens, if your going to lay your cards on the table, then you need to be prepared for the outcome, good or bad. xx

AlexLK

maman wrote: »

My response to the former would be so full of asterisks or unprintable so I'll let that go.;)

You don't need to be selling things to go on holiday. When the debts are cleared you could actually save for it!

I am planning to save but if things don't work out it's not a necessity. Therefore, I wouldn't be selling assets or borrowing money to go away.

heartbreak_star wrote: »

That's called having your cake and eating it, Alex. Don't get walked on.

*hugs*

HBS x

Thanks for the support, of course things are much more complex than they may seem at first but I do not intend to allow anything to happen.

Mara_uk7 wrote: »

Alex, When I mention you & little K having a break together, I never mentioned taking the aforementioned selfish person with you ! After all, Did she invite you to go away with her in April ??

I would like to go away as a family with my wife. As for her holiday in April, I didn't get invited but that is because it's a "girls holiday" before one of her friends gets married.

AlexLK

mum2one wrote: »

i'm guessing the 2 week in Apt that your not going, is Mrs K taking DS with her.

The holiday for the 2 of u, (u and Little K) would do you both the world of gd.

Please dont get walked over, it sounds like once you tightened the purse strings, Mrs K, hasn't appriciated it, and exects to be kept in the lifestyle she has been use to, I'm sorry but life is not like that, you have to take the good and the bad, to me it sounds like Mrs K would just walk, i dont see her wanting Little K full timr it would cramp her style,

Your worth 1000 times more than what your being put through, I would say get through Christmas and New Year, then have a sit down and see what happens, if your going to lay your cards on the table, then you need to be prepared for the outcome, good or bad. xx

She's going away in April for a "girls holiday", so neither my son nor I are invited. There is a part of me tempted by a few days away when my wife is on holiday but I can't see that happening.

I somewhat agree with your comment about lifestyle. However, my wife didn't exactly have an easy time before graduating and I do understand some of the reasons for her behaviour. Nobody is perfect, not that it makes her any easier to live with.

You seem to think far too highly of me but thank you.

AlexLK

Over the next few days I'll be trying to change my business bank account. Clearly, I will still have a terrible credit history. Does anybody know if this will affect whether or not I will be able to open a new bank account?

I will not require an overdraft, company credit card or any other form of finance. It has been over 5 years since I have applied for any 'new' credit.

JIL

Alex. Make the most of spending time with your son. Book a few days away while your wife is away.
Life goes so quickly that your son will be in school and at uni before you know it. Spend quality time with him, forge that close relationship. What you will do with him now will only help when he himself becomes an adult.
Think back to your own childhood, what did you really miss from your parents and then concentrate on not making the same mistakes.

heartbreak_star

AlexLK wrote: »

Over the next few days I'll be trying to change my business bank account. Clearly, I will still have a terrible credit history. Does anybody know if this will affect whether or not I will be able to open a new bank account?

I will not require an overdraft, company credit card or any other form of finance. It has been over 5 years since I have applied for any 'new' credit.

Mine's not great but Natwest gave me a "basic" business account (a Foundation Account I think they call it) for the squad. Might be worth enquiring about?

And we don't think too highly of you. You don't think highly enough of yourself

HBS x