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

snookey

Your poor dad Maybe because he has taken a different path to the one he wanted when he was younger is why he is harsh with you. My mother had a rubbish childhood and some of that was reflected in the way she sometimes treated her own children. My mothers not a nasty person but could say some really hurt full things.
As Iv said this is the time to really sit down and get to know your dad. When my parents divorced my dad and I grew really close and still are. He has always been there when Iv needed him and vice versa.

The concert sounds like a success and something which you needed to chill .

AlexLK

We are quite close now.

Father didn't have a bad childhood. However, he expects the absolute best in everything. He has mellowed somewhat in recent years and is a wonderful grandfather, completely different to how he was with me. Despite my parents harshness throughout my childhood I did know I was always loved by them and also that they had waited a very long time (and gone through problems I wouldn't wish on my worst enemy) for me. No wonder I ended up a bit of a disappointment.

My parents have been an absolute god-send over the past five years and I hate to give this impression that they are horrible because they are not.

Concert was great. Looking forward to seeing another at some point (hopefully soon).

snookey

I dont think they are horrible just flawed like the rest of us.
My mother raised five of us. One of my brothers has learning and physical disabilities and still lives at home, so her life has been a struggle. Not sure I could do what she has done.
I admire my mother and she has done a lot for her children.

All Im trying to say is that there were reasons for her harsh words and actions. Its only now as an adult I can see why.

Its good that your close with your dad.

Granariesgirl

AlexLK wrote: »

Sorry there has been no diary tonight due to going to see Sir Mark Elder conduct the Halle in Nottingham. What a brilliant concert, really enjoyed it but we did break the budget a little by having dinner out also. However, it's not often Mrs. K. and I go out these days.

That's once in HOW often? I think you guys deserve it, after all you've got to have a break once in a while. Bet you enjoyed that evening out more than buying the infamous shirt, too!

AlexLK wrote: »

Granaries: Thank you. Yes, she came but no she didn't attend the actual meeting.

Look how far you've come since you started your first thread - a month ago & I bet you'd have let her come to the meeting!
This is all YOUR doing: we on the thread can give advice & cheer you on but only YOU can change your life for the better, as you are doing.
:T
I can sympathise with you on the Dad front - it is terribly difficult for them when they realise that death is coming closer every day & there is nothing you can do but support them & keep on loving them.

You do realise that WHEN you have knocked this debt thing on the head & kept your business ticking over happily for a while more, all your previous episodes of disappointing parents will fade into the mists of time & you can cross that morale-destroying thought off your list of "negative thoughts I have every day"! :cool:
I reckon they are pretty proud of you already but just scared it might not last...

AlexLK

snookey wrote: »

I dont think they are horrible just flawed like the rest of us.
My mother raised five of us. One of my brothers has learning and physical disabilities and still lives at home, so her life has been a struggle. Not sure I could do what she has done.
I admire my mother and she has done a lot for her children.

All Im trying to say is that there were reasons for her harsh words and actions. Its only now as an adult I can see why.

Its good that your close with your dad.

That all sounds very difficult.

Having a rather lazy day today , Mrs. K. and I are getting there with an updated SOA, which we will post up later for you lot to scrutinise.

Granariesgirl wrote: »

That's once in HOW often? I think you guys deserve it, after all you've got to have a break once in a while. Bet you enjoyed that evening out more than buying the infamous shirt, too!

Once in a blue moon, I can count on one hand the number of times my wife and I have had a night out since our son was born.

Granariesgirl wrote: »

Look how far you've come since you started your first thread - a month ago & I bet you'd have let her come to the meeting!
This is all YOUR doing: we on the thread can give advice & cheer you on but only YOU can change your life for the better, as you are doing.
:T
I can sympathise with you on the Dad front - it is terribly difficult for them when they realise that death is coming closer every day & there is nothing you can do but support them & keep on loving them.

You do realise that WHEN you have knocked this debt thing on the head & kept your business ticking over happily for a while more, all your previous episodes of disappointing parents will fade into the mists of time & you can cross that morale-destroying thought off your list of "negative thoughts I have every day"! :cool:
I reckon they are pretty proud of you already but just scared it might not last...

Thank you, I am trying to turn my life around as I am all too aware if I don't do it now I'll severely regret it. Mrs. K. has made it quite clear should I choose not to at least try, she's gone. Not that I can blame her in many ways.

Honestly, a month ago I would have practically begged business partner to stay on board. However, now I'm not so worried about giving it a go myself.

I have always been conscious of having older parents, after all when I started school, father was 50. He's not really in a bad way for his age and his main fear seems to be "losing his mind" (his mother had dementia and he cared for her until the bitter end).

Here's to hoping I manage to make this last, never mind what they think, I'm not sure I'm going to be able to change my ways for good myself.:rotfl:

Readytobefree

Good to see things are still looking up. Well done super happy for you

snookey

Sorry Alex for my post I tend to go around the houses to say what I mean. Its upbeat posts you need.
As Granariesgir you have come along way and its onwards and upwards from now on.:D

Oh and Alex your still buying the drinks:beer: as your going to be minted .

theoretica

AlexLK wrote: »

theoretica: Indeed, they also self manage, mother does all the real work for it now alone. Even so, she is 71 and admitted that she doesn't see herself managing 12 properties for too many more years. Well, they're good at buying everything else, so I don't see why not. :rotfl:

I wonder if they might need some encouragement to buy services rather than things. With things you have somethings tangible for your money - paying someone to do something you could do yourself feels different to many people, but in many ways you are buying yourself time, which is often worth it!

AlexLK

We have updated our new SOA for October - comments are much appreciated as always.

Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 1
Number of cars owned.................... 3

Monthly Income Details
Monthly income after tax................ 1400
Partners monthly income after tax....... 2330
Benefits................................ 80
Other income............................ 0
Total monthly income.................... 3810

Monthly Expense Details
Mortgage................................ 703
Council tax............................. 162
Electricity............................. 65
Gas..................................... 65
Water rates............................. 35
Telephone (land line)................... 32.75 (Includes unlimited internet and calls to land lines)
Mobile phone............................ 50
TV Licence.............................. 12
Groceries etc. ......................... 275
Clothing................................ 50 (For son, Mrs. K. and I have quite enough)
Petrol/diesel........................... 350 (£100 better off than last month)
Road tax................................ 47
Car Insurance........................... 75
Car maintenance (including MOT)......... 50
Car parking............................. 10
Childcare/nursery....................... 200 (Wow, just realised how expensive Nursery is for two afternoons a week ... Wish he hadn't enjoyed it now!)
Medical (prescriptions, dentist etc).... 25
Buildings insurance..................... 17
Contents insurance...................... 11 (This is probably going to go up soon as we have a lot of items that should be insured separately)
Life assurance ......................... 15
Presents (birthday, christmas etc)...... 50 (As said before I'm doing my Mr. Scrooge act this year )
Haircuts................................ 28
Entertainment / Misc........................... 65
Total monthly expenses.................. 2442.75[/b]



Monthly Budget Summary
Total monthly income.................... 3,810
Expenses (including HP & secured debts). 2,442.75
Available for debt repayments........... 1,367.25

AlexLK

snookey wrote: »

Sorry Alex for my post I tend to go around the houses to say what I mean. Its upbeat posts you need.
As Granariesgir you have come along way and its onwards and upwards from now on.:D

Oh and Alex your still buying the drinks:beer: as your going to be minted .

No need to apologise to me.

:rotfl:, we still don't have a fantastic income, though maybe one day we may.

theoretica wrote: »

I wonder if they might need some encouragement to buy services rather than things. With things you have somethings tangible for your money - paying someone to do something you could do yourself feels different to many people, but in many ways you are buying yourself time, which is often worth it!

I see exactly what you mean. Mother has already hinted towards putting the burden of their houses onto me in a few years and I wouldn't mind if I was getting something out of it but I am aware that I'd be doing the work for no return.