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

starting_again_4

Thanks Bob, will try that. Feeling terrified

Bobarella

Ok I don't know legally what he can do today. Are you able to arrange any emergency childcare for your children and get down to the council or CAB right now and find out what they say?

You owe him money fair enough but there are vulnerable kids involved.

starting_again_4

I have spoken to my local council and a he has to serve me a section 21 notice which is two months before I have to leave. So I have a bit of time to organise things xx

Bobarella

Thank god for that!!!!! I am so glad.

Do you feel a bit better now?

starting_again_4

Yes, it is. Have sat down and worked out the end of the month...

Need to make £558.62 a day to square me off for the end of the month (wages and my rent plus business expenses to continue)

Eeek

Bobarella

Is that possible do you think from the businesses?

dawnybabes

Aww he San threaten as much as he wants but he will need to evict you to get you out and then the council will rehime you

Bobarella

Hi Lovely
How are you today?
Bob

starting_again_4

So spent most of last contemplating where I am in life, my goals and how I get myself out of this situation. The realisation that this can only come from me, no one else is going to help me. I look at my huge debts and it's overwhelming. The only way I can combat this feeling is to break things down into tiny weeny pieces and work on them everyday even if it's just something small! Rather than trying to do all my goals at once, I will add 2 daily.

So I have put together my goals and will use this diary to follow my progress (and hopefully have you guys cheer me on as you all have been simply wonderful)


Master Goal List: (For now)

1. Clear my debts completely!
2. Get my house in order - clean/organised/clutter free - routine it
3. Sort out Business 1 - Restructure/Organise
4. Sort out Business 2 - Restructure/Organise
5. Sort out Business 3
6. Sort out Business 4
7. Sell of my clutter/unwanted stock
8. Improve my children's routine
9. Improve my children's behaviour
10. Create proper business marketing plans for Business 1 and 2
11. Spend more quality time with my children
12. Organise "paperwork mountain"
13. Organise "receipt volcano"
14. Create paperwork routine
15. Create better book keeping routine
16. Take more care in my appearance and beauty regime
17. Sort my mental health/depression
18. Work on my love life
19. Exercise
20. Weigh 8 Stone
21. Read those books
22. Eat more healthily and Learn to cook the OS way
23. Become a better version of me
24. Fix lost friendships
25. Create a beautiful House
26. Qualify in a Business Management Course
27. Create capsule wardrobes for all of us
28. Look after my body
29. Create a nice garden
30. Refurb Business 2

Future Master Goals:

1. Enjoy a couples only holiday
2. Enjoy a family holiday
3. Take children to Disneyland before they are too old
4. Learn to drive
5. Purchase first car
7. Get divorced
8. Make my special diamonds
9. Start a rainy day fund
10. Savings account for business 1
11. Savings account for business 2
12. Purchase first house
13. Pay off mortgage
14. Fix my teeth
15. Fix my boobs
16. Fix my nose
17. Have another baby
18. Possibly get married again
19. Holiday in Barbados
20. Party in Ibiza
21. See the Northern Lights
22. Go on a cruise
23. Visit California
24. Buy First rental property
25. Start New business idea 1
26. Start new business idea 2
27. Start new business idea 3
28. Purchase luxury car
29. Buy a forever home
30. Buy a holiday home

starting_again_4

Goal 1 - Become completely debt free

Mini Goals:

1. Pay off "people debts"
2. Pay off rent arrears
3. Pay off "priority debts
4. Pay off all other creditors

How will I achieve this:

1. Sell off old clothes -mine and children's
2. Sell off old "things" (household items etc(
3. Sell off old stock from business 1
4. Sell off old stock from businesses (2,3,4)
5. Actively seek more contracts for business 1
6. Push marketing for Business 2 and gain more business
7. Do surveys and daily clicks
8. Do benefits check to check I'm receiving all I'm entitled
9. Actively seek cleaning work for extra pennies
10. Apply for any jobs that may work round my current situation (!)
11. Cut outgoings where possible
12. Chase up owed monies
13. See if I can claim unfair bank charges
14. Cancel any direct debits/outgoings not needed
15. Make my little things and sell them
16. Use cashback if I buy anything