Time to grit my teeth, swallow my pride and face up to reality - 95k of debt

Bobarella

Hi Starting Again

I don't want to close up no. And I think it would be a very last option because having closed for 6 months I have found it very hard to reestablish myself anyway. So to close up again even for a month in only 6 or so months time (from reopening) would not be a popular thing to do and I think for some of my patient lovely regulars might just be the straw that breaks the camels back. That said and I know you will understand it being in your situation, I got into trouble with my PAYE when I had staff and terrible cash flow. I struggled to pay salaries and borrowed money month after month to top off this person or that's wage. So I am very very anxious about employing people again until that debt is repaid which is January. There is no way I can pay back tax and new tax at the same time. I am very risk averse now having struggled for 3 years with this fear. Now I want the simple life even if that means peeing a few people off by only opening the hours I can physically do myself.
So I appreciate I'm being contrary but I have very good reasons. Effectively November and December are rent free months so I'd Iike to trade then but if I physically can't I'd rather not. Unless things are much much better than they are now on the takings front. Because I need a wage too. Even if it is less than the minimum wage I make per month with the hours I put in.

I sound negative but I actually just want to avoid any new debt.

hihicutiepie

Thought id check in see how your doing...go you! well done you seem to be super motivated. So glad your feeling more positive xx

StrugglingYouth

You can do this! Its merely the epilogue into a sensational story which is your family's future!

Keep at it.

starting_again_4

Goal 7 - Sell off all my clutter

Mini Goals:

Sell off all unwanted clothes
Sell off all beauty/hair/health products
Sell off all unwanted household items
Sell off all unwanted electricals
Sell off all unwanted entertainment items and toys


How will I achieve this:

Create temporary selling room/area
Collate items as I declutter each area - Use it or Lose It
Clean/prep each item for selling
Photograph selling items
List selling items on as many sites as possible



Goal 8 - Improve My Childrens Routine

Mini Goals:

Morning Routine
Afterschool Routine
Evening Routine
Bedtime Routine
Chore Chart

How will I achieve this:

Create list for each routine of all the things they should do
Implement reward system and stick to it
Implement morning routine
Implement Afterschool Routine
Implement Evening Routine
Implement Bedtime Routine
Implement Chore Chart

starting_again_4

Saturday 27th June - Tasks


Iron and photograph one group of Ebay clothing
List 5 Things on Gumtree
List 5 things on Preloved
List Business 1 Stock x 5
List Business 2,3,4 Stock x 5
Email 5 business proposals
Work meetings
Add business 2 on fourth page off google directories
Daily Surveys
Proof HB and envelope/Email Landlord
Print 50 copies of Flyer
Apply for any new jobs
Sort Boots card
Chase up owed money from business 1
Work emails
Work on bank charges spreadsheet
Pay off a little money
Declutter kitchen sides
Declutter fireplace
Another pile in Dining room decluttered
Sort another box on desk!
Sort another box on landing
Clear pile of clutter in childrens room
Walkway in my room
Morning Routine
Declutter toilet area in bathroom
Work admin
Evening Routine
Tag Line - Business 1
Tag Line - Business 2
Choose Best scenario - Business 3
Choose Best scenario - Business 4
Create temporary selling room/area
Create list for each routine of all the things they should do

starting_again_4

Sunday 28th June - Tasks

Iron and photograph one group of Ebay clothing
List 5 Things on Gumtree
List 5 things on Preloved
List Business 1 Stock x 5
List Business 2,3,4 Stock x 5
Email 5 business proposals
Add business 2 on fifth page off google directories
Daily Surveys
Apply for any new jobs
Look at competitions page
Chase up owed money from business 1
Work emails
Work on bank charges spreadsheet
Pay off a little money
Declutter kitchen cupboard
Declutter TV unit
Another pile in Dining room decluttered
Sort another box on desk!
Sort another box on landing
Clear pile of clutter in childrens room
Walkway in my room
Morning Routine
Declutter bath and shower areas in bathroom
Work admin
Evening Routine
USP- Business 1
USP - Business 2
Work on best scenario - Business 4
Type up list of routines - kid friendly

starting_again_4

Sorry have not been on for a few days. Been very stressful due to wages and rents (debts now gone up quite considerably!)

Also business 3 has had a take notice put on it. Which has made me feel all wobbly!

Would just like to hear some reassurance

Bobarella

starting_again wrote: »

Sorry have not been on for a few days. Been very stressful due to wages and rents (debts now gone up quite considerably!)

Also business 3 has had a take notice put on it. Which has made me feel all wobbly!

Would just like to hear some reassurance

Oh no lovely sorry to hear it.
What is a take notice?

starting_again_4

Thanks Bob. It's forfeiture of the lease, which is essentially the best option for me but still making me feel odd.

Bobarella

starting_again wrote: »

Thanks Bob. It's forfeiture of the lease, which is essentially the best option for me but still making me feel odd.

I bet. Seeing all you've worked for going south. But you have 2 others to focus on that are worthwhile. You can do this honesty x