Brogden's Debt Disaster & Self Managed DMP!

Brogden

Good Morning Everybody

It was great to have so many lovely people coming over to see me. Please keep popping in and chipping in with your comments whether they are nice or if you think I am mad. I don't mind you saying as long as you're gentle with me !!

I was 'home alone' last night......the family were out on an overnight stay. I was really looking forward to the peace and quiet. In the old days before 'hand held devices' (sounds a bit rude that) this wouldn't have happened but Brogden's mental karma was ruined by an email from work. It was getting dark, raining and I was parked in a massive Asda car park furiously typing back my response.....it was a depressing scene . All of this didn't take me apart as such but it made feel a little bit miserable that I was tied to this nit-picking nonsense for the purpose of paying bills, debts and mortgage and I really wished that I was in a better position financially. I wished I had been more careful and maybe used envelopes years ago !! I may then be able to give in to the ever present temptation to stick two fingers up !!

I am not being self pitying There are millions just like me and there are millions who are so much worse off I know. A few years ago these sort of rotten emails would have put me into a state of panic where I wouldn't be able to perform domestic duties - I'd leave the washing / cleaning / ironing and ponder and procrastinate. Now I just say 'here we go again.' I truly do try my best to work hard and comply with every request of 'management' but in the interests of my own well being I have 'compartmentalised' the whole thing. Work is a space I have to occupy several hours each day. I no longer like it and do not care whether it likes me or not.....I have an interest in staying with it as it is a route to avoid ruin. I do it for one day in each month when overnight a sum of money is BACS'd into the Gnats Vest That is why I do it, that is the sole reason I do it.....and I will carry on :T

Whether you are reducing mortgage, clearing debts, avoiding debts or just doing sensible money management I sincerely and lovingly wish you all the greatest success, mental calm and contentment :A

I'll post later Weekend's nearly here :T

Brogden x

NoOneAround

Brogden wrote: »

Good Morning Everybody

It was great to have so many lovely people coming over to see me. Please keep popping in and chipping in with your comments whether they are nice or if you think I am mad. I don't mind you saying as long as you're gentle with me !!

I was 'home alone' last night......the family were out on an overnight stay. I was really looking forward to the peace and quiet. In the old days before 'hand held devices' (sounds a bit rude that) this wouldn't have happened but Brogden's mental karma was ruined by an email from work. It was getting dark, raining and I was parked in a massive Asda car park furiously typing back my response.....it was a depressing scene . All of this didn't take me apart as such but it made feel a little bit miserable that I was tied to this nit-picking nonsense for the purpose of paying bills, debts and mortgage and I really wished that I was in a better position financially. I wished I had been more careful and maybe used envelopes years ago !! I may then be able to give in to the ever present temptation to stick two fingers up !!

I am not being self pitying There are millions just like me and there are millions who are so much worse off I know. A few years ago these sort of rotten emails would have put me into a state of panic where I wouldn't be able to perform domestic duties - I'd leave the washing / cleaning / ironing and ponder and procrastinate. Now I just say 'here we go again.' I truly do try my best to work hard and comply with every request of 'management' but in the interests of my own well being I have 'compartmentalised' the whole thing. Work is a space I have to occupy several hours each day. I no longer like it and do not care whether it likes me or not.....I have an interest in staying with it as it is a route to avoid ruin. I do it for one day in each month when overnight a sum of money is BACS'd into the Gnats Vest That is why I do it, that is the sole reason I do it.....and I will carry on :T

Whether you are reducing mortgage, clearing debts, avoiding debts or just doing sensible money management I sincerely and lovingly wish you all the greatest success, mental calm and contentment :A

I'll post later Weekend's nearly here :T

Brogden x

Hello Brogden friend, what a sensible chap and I hope it took you far fewer years to get to that point than it did me! I used to live and breathe work, and enjoyed it (or so I thought) - worked hard and played hard and then got bored so I had kids. They were even more all-consuming and pushed me to the point that I began to resent work (not the kids ) so I jumped ship when the opportunity arose (big takeover, site closed relocation required). Turned down a big huge whack of a salary and have never regretted it despite the position am in
today :)
All of it was to climb up in the ranks, with big plans of how I would do things differently, then when I got there, I realised that you had to play games of a nasty sort to stay there. Also was one of only 2 gals on the senior management team and a lot of the decisions were made in the pub by the men folk who didn't have to rush off to pick up babies at 6pm, laptop hastily thrown into a bag to finish preparing for the next day cos you didn't stop all day - then bathing/feeding/playing with kids til 9 then working til 2-3 in the morning at least 2-3 nights a week. Of all the 80 odd people I counted as friends at that site - having worked there for 12 years, I have kept in touch with a grand total of 2. And one of them lost his wife this week. Over the years I have been asked a few times to go back to that - with juicy job offers, but I did the proverbial 2 finger trick - in a proverbial manner of course! I'm all for mental calm and contentment, just finding it sometimes is a bit difficult! but I'm happy to say the $£$£'s didn't lure me in. Cool huh?:cool:
NOA
xx

helena124

Brogden - your post has cheered me up and good luck with your DF journey, i've subscribed.

PennySaving

Evening Brogden, got to say it does sound very depressing sitting in a cold, wet, gloomy Asda car park but as your posts prove YOU are resilient! :j

We must have been on the same wave length yesterday when you typed your reply to me.....for the last 6 months or so DH has been hit with sporadic demand letters from HMRC for tax owed by his EX business partner. They are chasing DH as they have no known address for him but DH is not prepared quite yet to cough up. Anyway, long story short, my words to him after yet another fruitless call to HMRC were "onwards & upwards":) I bounce this back at you for today and have a super relaxing weekend and here's hoping there is some leftovers in the envelopes from the week, to purchase you a rather nice bottle of vino.

Ali-OK

:rotfl: I'm stil following!

Don't let the work peeps grind you down, seal the Mon to Fri work envelope and open the weekend one. I'm sure the reward of payday is magnified when we only think of it as work equals paying bills and debt, so you're spot on to compartmentalise it and tell it to go away (I'm being generous here, more like a s*d off :rotfl:).

Enjoy a work free weekend, that's an order :beer:

Brogden

Ali-OK wrote: »

:rotfl: I'm stil following!

Don't let the work peeps grind you down, seal the Mon to Fri work envelope and open the weekend one. I'm sure the reward of payday is magnified when we only think of it as work equals paying bills and debt, so you're spot on to compartmentalise it and tell it to go away (I'm being generous here, more like a s*d off :rotfl:).

Enjoy a work free weekend, that's an order :beer:

Thanks Ali

The 'compartmentalisation' stretched into Saturday morning but my fault for putting the blessed laptop on. Having said that it would have got me later on the 'hand held device!' I suppose I could do without it in Morrisons !!

I like the suggestion of ':beer:' and I'm just starting a little of that now - just a little though...its weekend after all!!

Brogden x

Brogden

PennySaving wrote: »

Evening Brogden, got to say it does sound very depressing sitting in a cold, wet, gloomy Asda car park but as your posts prove YOU are resilient! :j

We must have been on the same wave length yesterday when you typed your reply to me.....for the last 6 months or so DH has been hit with sporadic demand letters from HMRC for tax owed by his EX business partner. They are chasing DH as they have no known address for him but DH is not prepared quite yet to cough up. Anyway, long story short, my words to him after yet another fruitless call to HMRC were "onwards & upwards":) I bounce this back at you for today and have a super relaxing weekend and here's hoping there is some leftovers in the envelopes from the week, to purchase you a rather nice bottle of vino.

Hi Penny Saving,

I say 'onwards and upwards' all the time Ask Mrs Brogden..........she says she is sick of me saying it !!

It might be that when I say it, I always mean 'keep going, keep doing it and stop moaning!' Its probably not the meaning the saying was originally intended to convey as it indicates some heavenly glory that is ours as we complete our tiresome chores. I am sure that others say it completely 'tongue in cheek.' I'd better not say it too much though.

You just can't cough up for a missing business partner just like that. The way some people disappear and leave known liabilities for others is beyond me so stand firm for now

Its not vino but 'craft beer tonite':beer:

Brogden x

Brogden

helena124 wrote: »

Brogden - your post has cheered me up and good luck with your DF journey, i've subscribed.

Hi Helena.......lovely name

If my moaning monologues cheers you up then I am happy . Just to say, I do understand that a 'moaner' can cheer you up.......many moaners have cheered me up beyond measure. Why? Because they spoke of what was real and didn't swear that 'red was green.'

There have been a few celebrity 'moaners' who have often been much more interesting to me than the 'isn't my life great' brigade. I do not seek to be miserable and I am not but I really like those who speak as they feel and I think you may be on the same wavelength :rotfl:!!!

I am just going to put a Leonard Cohen album on :rotfl:!!!!!

Speak soon.

Brogden x

Brogden

NoOneAround wrote: »

Hello Brogden friend, what a sensible chap and I hope it took you far fewer years to get to that point than it did me! I used to live and breathe work, and enjoyed it (or so I thought) - worked hard and played hard and then got bored so I had kids. They were even more all-consuming and pushed me to the point that I began to resent work (not the kids ) so I jumped ship when the opportunity arose (big takeover, site closed relocation required). Turned down a big huge whack of a salary and have never regretted it despite the position am in
today :)
All of it was to climb up in the ranks, with big plans of how I would do things differently, then when I got there, I realised that you had to play games of a nasty sort to stay there. Also was one of only 2 gals on the senior management team and a lot of the decisions were made in the pub by the men folk who didn't have to rush off to pick up babies at 6pm, laptop hastily thrown into a bag to finish preparing for the next day cos you didn't stop all day - then bathing/feeding/playing with kids til 9 then working til 2-3 in the morning at least 2-3 nights a week. Of all the 80 odd people I counted as friends at that site - having worked there for 12 years, I have kept in touch with a grand total of 2. And one of them lost his wife this week. Over the years I have been asked a few times to go back to that - with juicy job offers, but I did the proverbial 2 finger trick - in a proverbial manner of course! I'm all for mental calm and contentment, just finding it sometimes is a bit difficult! but I'm happy to say the $£$£'s didn't lure me in. Cool huh?:cool:
NOA
xx

Hi NOA x

That is such a lovely post and I have just typed a long reply on thoughts about 'you or me and everybody v the corporate life' and I have been timed out and lost the lot

I will come back to it in the next day or so but hope you are enjoying the weekend in the meantime.

Thanks again for saying so much fantastic stuff

Brogden x

helena124

Hi Brogden - I hope that Leonard Cohen had the desired effect

I'll look forward to reading you musing about 'you, me and them -v- the corporates', should be interesting.................... but meanwhile, have a great weekend :T

Helena