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

slowcoachme

You need to get real Alex, you don't think £3180 is a fantastic income after tax?? You have over £ 1300 to pay off towards debts each month. What is not fantastic about that. I am so pleased to see you are no longer claiming chid tax credit and working tax credit, I doubt you were entitled to them in the first place. I have been reading this with interest, you have given so many clues about yourself, I bet there weren't many kisses and cuddles from your parents when you were a child, and you seem to be trying not to become a replica of your old man, bar the old man collections, pens, razors, watches. You have had a wake up call from posters on here about your attitude to others, but I am now done with reading this diary.
It's no longer a debt clearance advice thread but has become a free counselling service for yourself. Good Luck

theoretica

Can Mrs K get child care vouchers from work and does the nursery accept them - so you would be paying for the nursery with before income tax money?

£50 a month! What are you dressing little K in?

AlexLK

slowcoachme wrote: »

You need to get real Alex, you don't think £3180 is a fantastic income after tax?? You have over £ 1300 to pay off towards debts each month. What is not fantastic about that. I am so pleased to see you are no longer claiming chid tax credit and working tax credit, I doubt you were entitled to them in the first place. I have been reading this with interest, you have given so many clues about yourself, I bet there weren't many kisses and cuddles from your parents when you were a child, and you seem to be trying not to become a replica of your old man, bar the old man collections, pens, razors, watches. You have had a wake up call from posters on here about your attitude to others, but I am now done with reading this diary.
It's no longer a debt clearance advice thread but has become a free counselling service for yourself. Good Luck

I am unsure what I've done to rub you up the wrong way? October will be the first month we have had this amount of income since before our son was born. Meaning for the last (almost) three years my wife and I have been living on a substantially lower income.

Many diaries on here talk about much more than just the debt one has accumulated over the years.

theoretica wrote: »

Can Mrs K get child care vouchers from work and does the nursery accept them - so you would be paying for the nursery with before income tax money?

£50 a month! What are you dressing little K in?

Mrs. K. was meant to be speaking to her work about this but completely forgot with everything else going on, thank you for reminding me. She went for her interview at the other company, didn't really like the sound of the job but we are hopeful she will receive a pay rise from the current company (not as much but the pay package is not everything).

Erm, clothes.:p

Granariesgirl

slowcoachme wrote: »

It's no longer a debt clearance advice thread but has become a free counselling service for yourself.

Actually, just in case you hadn't noticed before firing off your comment, this is in the "Debt Free Diaries" so it is a diary about his journey to get out of debt, not the original thread asking for debt clearance advice.
If people feel like supporting / counselling him,it helps him with his morale & he gets a higher income to deal with that debt WHERE is the problem??? :huh:

As the great Mark Twain said...

"It is better to remain silent and be thought a fool than to open one's mouth and remove all doubt."

snookey

Granariesgirl I agree. Its a mean spirited post slowcoachme shame on you.

AlexLK

Saturday 28th September, 2013.
Day 27.

Dear Diary,

Today I have mostly been playing my violin, ready to audition for an orchestral place tomorrow afternoon. Already I have begun to feel a little on edge wondering if I am good enough to get a place; if I'll make any stupid mistakes in front of the panel and in many ways I remember why I could have never realised my dream to become a professional for I suffer far too greatly with anxiety. Somewhat stupidly, I played in front of my parents today; mother found my rendition of Bruch's Violin Concerto "uninspiring" and said that she "much preferred Sarah Chang's version". Well, don't we all? At least father had some fairly complimentary comments to make, though he thought my playing "a little on the frantic side", believing I didn't really know the piece well enough.

My wife has managed to sort out a few cupboards worth of things for me to put on eBay over the next coming week, which should help us with our quest to become debt free and I have a busy but less frantic diary which should help us to get back on track to paying off our debts. Furthermore, with a little less structured work I should have more time to spend with my son, playing outside and walking before the weather starts to get too bad. I've really rather missed his company this past week. Other good news includes my watch man picking up my least favourite time piece and placing a further £5100 in my hand to set aside towards paying the credit card bills off.

Earlier this afternoon, I did have a bit of a blip; feeling very low. Fortunately, I am much better this evening though I'm not sure how much that has to do with this nice glass of Rioja in my hand... On the subject of wine, I am beginning to find I am enjoying it, perhaps even savouring it now it is a twice a week treat rather than a day to day norm.

Summary:
No spend day; had far too much music to get through!

Yours Faithfully,
Alex.

AlexLK

Granariesgirl wrote: »

Actually, just in case you hadn't noticed before firing off your comment, this is in the "Debt Free Diaries" so it is a diary about his journey to get out of debt, not the original thread asking for debt clearance advice.
If people feel like supporting / counselling him,it helps him with his morale & he gets a higher income to deal with that debt WHERE is the problem??? :huh:

As the great Mark Twain said...

"It is better to remain silent and be thought a fool than to open one's mouth and remove all doubt."

snookey wrote: »

Granariesgirl I agree. Its a mean spirited post slowcoachme shame on you.

Thank you both for your supportive posts. I'm not sure if I perhaps said something that slowcoachme took to be offensive.

slowcoachme

You have a monthly income of £3810 after tax, and you say " we still don't have a fantastic income, though one day we may" On top of that you have sold a watch for £5100. That is offensive to all those who are really struggling.

Mara_uk7

Slowcoachme. Why don't you go and play on the M25 ?
You are neither helpful nor courteous here. This man is entitled to advice and support as much as any other, if you don't like it, don't read it.

Alex, don't take it personally, he obviously has no manners and enjoys winding you up.

7roland8

I can see were slowcoach is coming from - £600 for presents and Christmas to us would be luxury - yet you class it as Scrooge like. Also no toddler needs £50 of clothes a month.

However changing the subject - I find your parents ' negative comments to you about your playing very mean spirited - either offer constructive criticism or say nothing - they are hardly supportive.

Good luck for tomorrow - I'm sure e panel will be fine.