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

AlexLK

Thank you all This is the first opportunity I've had all day to respond, work has been hectic and our son isn't very well either.

Responses:
kantankrus: hmmm that does indeed sound interesting, I shall have to have a go next time I see them.

DFW: I actually realised looking beyond her father that my niece is actually a kind and ambitious individual.

Roland: I never thought about it like that, Mrs. K.'s family are constantly accusing me of selfishness because of how often we see my parents. However, to be honest my family lives closer and I'm an only child. Not to mention Mrs. K. gets on much better with my family than I do with hers.

AlexLK

Monday 16th September, 2013.
Day 15.

Dear Diary,

For the moment it seems as if work is taking over time I had previously thought to be free. However, who am I to complain when the business seems to have finally started sprinting rather than leisurely jogging along. This has once again prompted a conversation regarding childcare between Mrs. K. and I. Whilst on the topic of work, it appears my wife is being headhunted by a larger firm which has much clearer routes of progression; the only problem being she loves working where she is and it's variety of projects.

I've had no contact with any financial matters today and found myself not only enjoying the glass of wine left over from Saturday but greedily opening another bottle before I could even think. Hardly bodes well for either the budget or my appointment tomorrow which whilst grateful at the weekend I am now beginning to become apprehensive for. I have long realised I cannot become a teetotal saint for after a long hard day, there is nothing more relaxing than sitting by the fire with a glass of something to sooth all those stresses away. It does seem like today I am drifting back into my old life of working hard and drinking the nights away.

Unfortunately, I am sadly wondering if I must sell my dearly loved possessions to pay off my debts or if we can do it from the extra money we have available once my wife returns back to work full time. Frustration has began to set in and so has a familiar compulsion to buy things I do not really need.

Summary:
+£25.00 Music Teaching.
-£57.90 Diesel.
-£2.60 Post Office.
-£32.70 Groceries.

Yours Faithfully,
Alex.

mum2one

that sounds good about work, and Mrs K being head hunted. Hope Little K gets better soon, could be this damm weather, DD is coming down with a stinker of a cold.

While your sorting your money out, why dont you see how things work out and then decide then what needs and what doesn't.

Hope all goes well tomorrow. U all take care xx

fc123

AlexLK wrote: »

Monday 16th September, 2013.
Day 15.

Dear Diary,


. It does seem like today I am drifting back into my old life of working hard and drinking the nights away.

Unfortunately, I am sadly wondering if I must sell my dearly loved possessions to pay off my debts or if we can do it from the extra money we have available once my wife returns back to work full time. Frustration has began to set in and so has a familiar compulsion to buy things I do not really need.

Summary:
+£25.00 Music Teaching.
-£57.90 Diesel.
-£2.60 Post Office.
-£32.70 Groceries.

Yours Faithfully,
Alex.

Nooooo... come back, come back.....don't slip back into the old ways so soon....the new ways are fun, they will pay off and then you can go and buy new old pens and things.

The precious possessions will never be as precious as your 'freedom of mind' once the card debts have gone. This will result in less tension in the home too.

Don't sell them all at once, just one at a time...you'll ease into it and get used to it. The spending / owning is a symptom, that's all. It may give you a lift for a while but, long-term, it does nothing.

Keep in there Alex. It's worth it in the end.....+ good luck tomo too.

Mara_uk7

Fc is right, don't you go back sliding again. If you do, it will be a failure for you to dwell on and be even more hard on yourself about.

Come on Alex, you're doing well, get that pen money paid into one of the debts.
Hope tomorrow goes well for you and you strengthen your mind back to moneysaving.

AlexLK

mum2one wrote: »

that sounds good about work, and Mrs K being head hunted. Hope Little K gets better soon, could be this damm weather, DD is coming down with a stinker of a cold.

While your sorting your money out, why dont you see how things work out and then decide then what needs and what doesn't.

Hope all goes well tomorrow. U all take care xx

Yes, work is seriously starting to look up. However, I'm really missing my time away from home. I doubt very much that Mrs. K. will move to the other company being realistic. Little K will be fine, he's got a common cold, that is all. Weather has been AWFUL today though.

I feel so guilty about it all (the money and the drinking today) but am struggling to adhere to this new way of life, you could say the honeymoon period is over, or it feels that way.

Fingers crossed, eh?

fc123 wrote: »

Nooooo... come back, come back.....don't slip back into the old ways so soon....the new ways are fun, they will pay off and then you can go and buy new old pens and things.

The precious possessions will never be as precious as your 'freedom of mind' once the card debts have gone. This will result in less tension in the home too.

Don't sell them all at once, just one at a time...you'll ease into it and get used to it. The spending / owning is a symptom, that's all. It may give you a lift for a while but, long-term, it does nothing.

Keep in there Alex. It's worth it in the end.....+ good luck tomo too.

Hey there,

I'm really struggling with it all and yet at the same time feel so guilty, especially about the drinking this evening.

AlexLK

Mara_uk7 wrote: »

Fc is right, don't you go back sliding again. If you do, it will be a failure for you to dwell on and be even more hard on yourself about.

Come on Alex, you're doing well, get that pen money paid into one of the debts.
Hope tomorrow goes well for you and you strengthen your mind back to moneysaving.

Mara, I do want to do this, I am just not sure if I can.

Only last week I was told by the doctors to keep the drinking to a minimal amount and yet tonight I've drank more than I usually do. If I can't stop myself with that what real chance do I have at sorting my money problems out?

fc123

AlexLK wrote: »

Yes, work is seriously starting to look up. However, I'm really missing my time away from home. I doubt very much that Mrs. K. will move to the other company being realistic. Little K will be fine, he's got a common cold, that is all. Weather has been AWFUL today though.

I feel so guilty about it all (the money and the drinking today) but am struggling to adhere to this new way of life, you could say the honeymoon period is over, or it feels that way.

Fingers crossed, eh?



Hey there,

I'm really struggling with it all and yet at the same time feel so guilty, especially about the drinking this evening.

Don't feel too guilty + that's the wrong word. It's your brain chasing for it's serotonin/dopamine boost. Naughty things brains. Alcohol is a good one for a quick lift hence why it can become such a habit.

Having a 'nice ' thing also seems to do it for your brain too.

Just got to re-train and tweek the brain a bit so you can cope a bit better when things get hard. Life, sadly, is always hard and I'll bet if you had a million spare in the bank now and could purchase whatever you wanted you would feel the same tomorrow after the initial buy buzz has worn off.

I am not sure who you are seeing tomo, whether it's the start or just an assessment, but bring this up on how you feel and the 'crutches' that you lean towards when the feeling rises up too high inside you.

AlexLK

Thank you .

Mrs. K. is a bit mad about this evening (that grocery bill included a £10 bottle of wine which is now gone ).

The "buy buzz" is indeed a problem for me, always has been though I do hope it will not always be. I really did not want to go back to my old ways of denying a problem even existed with money and in a way I feel I've gone too far to go back to being ignorant of it.

Tomorrow is an assessment, I just know they will ask me whether or I not I drink and if so how much. To be honest, I feel like lying at this moment in time as it's not as if I'm some sort of alcoholic.

fc123

AlexLK wrote: »

Thank you .

Mrs. K. is a bit mad about this evening (that grocery bill included a £10 bottle of wine which is now gone ).

The "buy buzz" is indeed a problem for me, always has been though I do hope it will not always be. I really did not want to go back to my old ways of denying a problem even existed with money and in a way I feel I've gone too far to go back to being ignorant of it.

Tomorrow is an assessment, I just know they will ask me whether or I not I drink and if so how much. To be honest, I feel like lying at this moment in time as it's not as if I'm some sort of alcoholic.

Don't 'lie' to them and, no, you're not an alcoholic but you like a glass or 3 of wine to unwind now and again. No problem with that but with things as they are I think you may need to do the 'Budget Wine Tasting Challenge'.:cool:

I will set you the challenge of no more than £5 for a bottle...and no excuses as there is good stuff out there for that price. The best place is Asda when they do 3 for £10 or £!2 as the bottles are usually the £8 ones so you get good stuff.

I am very happy with my Cotes Du Rhone wine-box which works out at £4.17 per 70cl I think. Took a while to find it and I drank some pretty ropey wine on en route....but it does the job just as well as the chasse du pape one @ £9