Brogden's Debt Disaster & Self Managed DMP!

NoOneAround

Time for an update:p
xx
NOAh

Verbatim

Just what I was thinking!

January2015

What they said above me.....;)

Verbatim

Halloooo!
BROGGERS. Where arrrrrrrrrre you?

Brogden

Hi everybody and many thanks for the reminders and advices that I am not too active….:o

Well, it is true and I have said it before but I am suffering from a lack of rhythm and …….that has knocked me off my ‘posting perch.’ I also had a couple of unfortunate experiences on other forums here. There really are some unpleasant little know it alls with big chips on their shoulders. Just so you know what I am…….I am a ‘pearl clutching t*t.’ I know you have always wondered. I really don’t give a damn but it just makes one feel a little weary and cause me to ask myself what the point in posting really is .

On another forum discussing pensions and the like, I was informed that with my financial ethics an IFA should opt to not deal with me. Clearly some person had searched threads on Debt Free Wannabe :mad:. Well an IFA did deal with me and received his fee within 48 hours of billing me . One really has to tell some people to go away…..some posts by the offenders were removed by the moderators. You have to do something don’t you?

OK…..my pensions are ‘almost’ sorted out now and I think I may be a bit more ‘rhythmic’ when that has finally happened. I also have in place the new pension plans for me and Mrs. B which will hopefully one day allow me to relinquish the mortgage.

My initial self employed role continues to have teething troubles so I am now active in two areas. The second is producing an increasing level of income…..not enough yet but I am pretty happy with the way that is going. I am still not sure how all of this will pan out in the long run but it is important to not get too stressed…..simply there is no reason to get stressed other than to appear ‘responsible’…..does that make sense?

So…….instead of ‘busting a gut’ night and day trying to please a little boss and ignoring everything I should have been doing, I keep thinking about life and being older than I used to be. This is a major change for me and I could write about this for hours. I am not obsessed with having a huge 4x4 with a jetski (sounds Russian that) strapped to the roof and a speedboat in tow. I am just obsessed with everything being ‘OK.’ I am valuing the ‘mundane’

The word ‘mundane’ is usually used in a negative sense but it needn’t be. If I cast aside for a moment the human, first world desires and lusts (£$£$) and look at our cat sprawled on the floor snooring then I really do know what I mean. She is not just ‘OK,’ she is ‘mega-OK’ She is wanting for nothing but to be ‘OK’ and……she is excelling at it. I am sure the cat could help a few people I know with her teachings………

So……as I think about getting older and and being ‘OK,’ I think about the elimination of problems and issues. Debts / mortgage / debts / mortgage….which, when and in what order? It’s the old dilemma of the ‘allocation of the ackers,’ as originally discussed in the old testament.

Right…..I think a decision has come to be………………...

I am attacking the debts first :eek:.

But what about the security of the roof over your head?

Yes – that is a very important point BUT I want to deal with less things. I want to budget for less things. I want to worry about less things. I want to apologise for less things. I would like to have the debts finished with and then whenever I have a few quid going spare I know where to put it. Into the mortgage? Not directly……into mine or more likely Mrs B’s pension plan to gross up with the tax relief and at some time in the not too distant future, out of the pension and into the mortgage…

Sorry debts but we really are on the last lap here. I hate, hate, hate to say this but my time on the self-managed DMP is not years of my life wasted…..no way. At my ripe old age it was (is) me learning about myself and learning about life and values. Whilst I frequently forget or dismiss this thought, these forums have been a constant reference point. The effect is somewhat subliminal but it has enabled me to see myself and my life in the context of thousands of other ordinary folk. If I were constantly in the company of professional footballers I may feel somewhat hard done to. In the company of normal folk working to get their lives on track I feel pretty OK. Thanks to all of the positive people who contribute here. :T

Nothing is ever simple with me though is it? Paying off debts may be hard but one would have thought it was pretty simple….not rocket science? Along comes the CCA request and it introduces a layer of complexity. I have been racking my brains on this one and I have now come to what I believe to be a conscientious and thought through approach. It is not taking the mickey and it is still going to mean losing a quite a lot of thousands of pounds :eek:.

I have wittered on enough for now so I will revisit this again shortly as I do strangely feel additionally committed to plans which I write down here .

Happy hump day everybody .

in_need_of_direction

Good to hear from you. You've been missed but if time away has helped you see what's right for you then it was time well spent. Just don't disappear again.

NoOneAround

Hello Brogden,
Good to get your update, and good that you have more than one stream of income for the SE work. Keep going - am sure it will work out

What I wouldn't give to have the lifestyle of a cat - all needs met, time to contemplate the world, be stress free and able to live in the moment

NOA
x

NoOneAround

Just trying something to lure you out of hibernation .........:p
Summer, icecream, Knickerbocker glory.

PinotGrigio41

Mr B,

I have just come out of hibernation, for now at least , and decided to look you up. I see I'm not the only one who would like to hear from you.
Hope things are going well for you.

Mrs PG x