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

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  • Goal 2 - Get my house in order

    Mini Goals:

    1. Declutter Kitchen
    2. Declutter Lounge
    3. Declutter Dining Room
    4. Declutter Office
    5. Declutter Landing
    6. Declutter Children's Room
    7. Declutter my room
    8. Declutter bathroom
    9. Organise Kitchen
    10. Organise lounge
    11. Organise dining room
    12. Organise office
    13. Organise landing
    14. Organise children's room
    15. Organise my room
    16. Organise bathroom
    17. Deep clean kitchen
    18. Deep clean lounge
    19. Deep clean dining room
    20. Deep clean office
    21. Deep clean landing and stairs
    22. Deep clean kids room
    23. Deep clean my room

    How I'm going to achieve this:

    1. Follow Flylady
    2. Daily declutter/organise/clean in each room
    3. Follow the organised housewife
    4. Create a routine for things as they are completed
  • Hi Bob,

    Feeling much better thank you :-) Starting to feel focussed! How are you?

    xx
  • starting_again_4
    starting_again_4 Posts: 46 Forumite
    edited 2 July 2015 at 4:06PM
    Wednesday 24th June -

    So tomorrow's goal bustings job list:

    1. Create area to store all ebay-able clothes
    2. Photograph 5 x "things" for selling - post on Gumtree/Preloved
    3. List 5 x Business 1 Stock
    4. List 5 x Business 2.3.4 Stock
    5. Write business proposal letter
    6. Add business 2 on first page of all google online directories
    7. Do Swagbucks
    8. Complete One Poll
    9. Complete Valued Opinions
    10. Complete HB re-appeal

    11. Design cleaning flyer
    12. Apply for any jobs suitable
    Look at Martins cut your costs and make list

    Chase up owed money from clients
    15. Read up on how to claim unfair bank charges on MSE
    16. Collect cashback if I purchase anything
    17. Make a list of all bits I need for my hobby

    18. Cancel one of my merchant accounts
    19 - Renew all gumtree/preloved adverts

    20 - Update signature
    21 - Pay off some money

    19. - Flylady - Shine Sink
    20 - OH - Wipe my most dustiest item
    21. Evening tidy round
    22. My Own Routine -
    Declutter fridge
    Declutter sofa
    Declutter walkway in DR
    Declutter desktop in office
    Declutter one box in landing
    Declutter open shelves in kids room
    Declutter drawer top in my room
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Hi Bob,

    Feeling much better thank you :-) Starting to feel focussed! How are you?

    xx

    Wow I am so impressed by all your organisation. You certainly haven't been resting on your laurels. This is great. You have a brilliant framework here for really making a difference to your life. Without meaning to pry have you managed to sort out your situation on housing for yourselves at all as that has to be a priority for you?

    I'm ok thanks. Had a mega days trade yesterday which was wonderful but I wish that was the norm rather than just being an unusual situation. I used to take around £250 per day on average but since we closed for works that took 6 months to complete I can go days before I hit over £100 which isn't good for me. But thankfully I only have myself to think about for a few more months (haven't recruited yet) but I don't know what I will do once baby 2 makes an appearance later this year. You know what I am just muddling through for now. I know I will find a way forward but I can dwell now on a few months time when at the moment I have to focus on each day.

    thinking of you, have a great day!

    Bob
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • Goal 3 - Restructure Business 1

    Mini Goals:

    1. Rewrite Business Plan
    2. Reorganise Stock/Premises
    3. Look at costs/financials


    How will I achieve this:

    1. Rewrite business plan:
    • Write executive summary
    • Mission Statement
    • Tag Line
    • USP
    • Year 1 Obejective
    • Year 2 Objectives
    • Year 3 Objectives
    • Keys to Success
    • Company Summary
    • Ownership and Legal Structure
    • Branding
    • Products and Services Summary
    • Products - Detailed List
    • Services - Detailed List
    • Supplies Summary
    • Suppliers - Detail List
    • Financial - Summary
    • Product Costs - Detailed List
    • Service Costs - Detailed List
    • Monthly Overheads
    • Breakeven Analysis
    • Target Market
    • Competitors - Detail List
    • SWOT Analysis
    • Marketing Summary
    • Marketing Plan
    • Personel Overview

    2. Restructure/Organise Business
    • Set up Market Research Campaign
    • Restart Book Keeping Spreadsheet
    • Review Branding
    • Rewrite website
    • Review marketing materials
    • Look at all suppliers and re-evalutate
    • Update manual for procedures and policies
    • Update terms and conditions
    • Review Staff Contracts
    • Review insurances and licenses
    • Redesign social media

    3. Restructure/Organise Stock
    • Create new stock inventory
    • Create new systems

    4. Look at all costs
    • Compare all suppliers for all variable outgoings
    • Sell off old stock
  • Goal 4 - Restructure Business 2

    Mini Goals:

    1. Rewrite Business Plan
    2. Reorganise Stock/Premises
    3. Look at costs/financials


    How will I achieve this:

    1. Rewrite business plan:
    Write executive summary
    Mission Statement
    Tag Line
    USP
    Year 1 Obejective
    Year 2 Objectives
    Year 3 Objectives
    Keys to Success
    Company Summary
    Ownership and Legal Structure
    Branding
    Products and Services Summary
    Products - Detailed List
    Services - Detailed List
    Supplies Summary
    Suppliers - Detail List
    Financial - Summary
    Product Costs - Detailed List
    Service Costs - Detailed List
    Monthly Overheads
    Breakeven Analysis
    Target Market
    Competitors - Detail List
    SWOT Analysis
    Marketing Summary
    Marketing Plan
    Personel Overview

    2. Restructure/Organise Business
    Set up Market Research Campaign
    Restart Book Keeping Spreadsheet
    Review Branding
    Rewrite website
    Review marketing materials
    Look at all suppliers and re-evalutate
    Update manual for procedures and policies
    Update terms and conditions
    Review Staff Contracts
    Review insurances and licenses
    Redesign social media

    3. Restructure/Organise Stock
    Create new stock inventory
    Create new systems

    4. Look at all costs
    Compare all suppliers for all variable outgoings
    Sell off old stock
  • Bobarella wrote: »
    Wow I am so impressed by all your organisation. You certainly haven't been resting on your laurels. This is great. You have a brilliant framework here for really making a difference to your life. Without meaning to pry have you managed to sort out your situation on housing for yourselves at all as that has to be a priority for you?

    I'm ok thanks. Had a mega days trade yesterday which was wonderful but I wish that was the norm rather than just being an unusual situation. I used to take around £250 per day on average but since we closed for works that took 6 months to complete I can go days before I hit over £100 which isn't good for me. But thankfully I only have myself to think about for a few more months (haven't recruited yet) but I don't know what I will do once baby 2 makes an appearance later this year. You know what I am just muddling through for now. I know I will find a way forward but I can dwell now on a few months time when at the moment I have to focus on each day.

    thinking of you, have a great day!

    Bob

    Hi Bob,

    Thanks for your message! Busy over here, at starting_again towers!

    Yes, have spoken to landlord and paid him £100. He is being incredibly supportive and has backed me with the HB situation. Just keeping him in the loop at the moment. So that's a worry off my mind.

    Hope trade was as good again for you! It's odd those random days where it really picks up! I think you're doing brilliantly! Just focus on each day and have a rough POA in your head. I'm finding it's working well for me. Having my goals laid out, but just focusing on one little step per day to reach them!

    When will you have to start looking into recruiting? xx
  • starting_again_4
    starting_again_4 Posts: 46 Forumite
    edited 25 June 2015 at 6:14PM
    Thursday 25th June


    List Business 1 Stock x 5
    List Business 2,3,4 Stock x 5
    Email 5 business proposals
    Add business 2 on second page off google directories
    Swagbucks
    Onepoll
    VO
    Yougov
    Pureprofile
    Complete second stage HB Re appeal
    Write cleaning flyer
    Apply for any suitable jobs
    Sort out tesco clubcard
    Chase up money owed by clients
    Write template for bank charges
    Budget for things required for hobbyselling
    Renew selling adverts
    Pay off some money
    Update signature
    Shine Sink
    Get dressed to the shoes
    OH - Declutter and clean bedside tables
    Evening tidy round
    22. My Own Routine -
    Declutter freezer
    Decluter side table in lounge
    declutter pile in DR
    Declutter in tray in office
    Declutter one box in landing
    Declutter walkway in kids room
    Declutter the side of bed
    Declutter bathroom floor
    Sort work orders

    Set Up new business plan template business 1
    Set Up new business plan template business 2

    Tidy Round:
    Sofa
    Drawer Top in my room
    Open shelves in kids room
    Walkway in Dining Room
    Desktop in office
  • MuffinTops
    MuffinTops Posts: 2,477 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I love reading about how much control you've taken back! Great fighting spirit, adn we're all definitely very much behind you cheerleading you on!

    You're an absolute inspiration! I love your updates.
  • MuffinTops
    MuffinTops Posts: 2,477 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    19.gif19.gif19.gif19.gif
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