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Budget Wars - A New Hope (with apologies to George Lucas)

1187188190192193199

Comments

  • Sorry things are so difficult :( Thinking of you.
    Rainy day fund — 210/1000 Emergency fund — 1019/1500
    Loan — 424/19,224 = 2.2% Fun fund: 1/100 Credit card balance — 0
  • Toni'sfriend
    Toni'sfriend Posts: 4,056 Forumite
    Eighth Anniversary 1,000 Posts
    Bob, I can only second everything CCL says. I really hope things get better soon.
    Have adventures. laugh a lot and always be kind.
  • kirtsypoos
    kirtsypoos Posts: 3,826 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    :grouphug: Bob :grouphug:
    I wish I knew what to say. Your situation sounds so stressful and I literally don't have a single word of advice to offer. All I can do is remind you that you're a fabulous woman doing the best that you can. I'm in no way trying to offer any advice or opinion - just want to say that I'm sure that you know deep down whether it is worth this fight.
    I'm lucky in that I can make ends meet but I'm more than able to remember the stress and pain of wondering where my next fiver was coming from and who wasn't going to get paid this month. It's a horrible, hard place to be and easy to fall onto that downwards spiral. I don't want you to hit rock bottom at all - you deserve way better than that.
    Lots of love to you and yours Bob - send me a message if there's anything at all I can do in any small way.
    XXX

    Exactly what CCL says Bob - I am so sorry that things are so awful. I hope with every fibre of my being that things pick up for you - you certainly don't deserve the hand you've been dealt at the moment x
    Let’s just pretend I have not been alternately drowning in debt or only eating toast to try and pay it off for the last 20 years 😭
  • f0xh0les
    f0xh0les Posts: 7,671 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    ^^^ that ^^^
    lots and lots of the above.
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • Bob, this may be a stretch but is there a chance you can team up with similar businesses locally and create a blacklist of people who have caused issues?

    As to YouTube, it is difficult to get noticed on such a saturated platform and depending on your business may not be appropriate. Do you have an Instagram account? It might be worth putting beautiful pictures on there with a LOT of hashtags, spending some time commenting on celebrity accounts and asking people to check out your page. Annoying spam, yes, but it does work.

    I don't know if this is something feasible to your business right now but is it possible that you could reach out to local Instagram or YouTube "celebrities" who are still on the smaller side (20-50k followers) and offer your venue for one night for free, in return for a mention on their social media? It could be quite helpful to you but again I don't know if it will work for your business model and will certainly not bring a short term cash injection.
    Debt Totals July 2019::
    [STRIKE]£350 Natwest Credit Card [/STRIKE]/ ]Now £0 (paid off and closed 04/2017) £15,500 postgrad loan from parents/ Now £7,000 £5,000 sister loan/ Now £0[STRIKE]£500 train ticket loan from parents [/STRIKE]/ Now £0 (paid off 16/02/18)[STRIKE]£2,000 Overdraft[/STRIKE] Now £0 (paid off 09/03/18) £1,967.83 Barclays 0% card Now £0
    Total £7,000
  • emmie26
    emmie26 Posts: 500 Forumite
    Part of the Furniture Combo Breaker
    I really hope you have some good come from all the hard work and positive energy that you are putting into your business. It must be so stressful putting in the hours and still not being able to make ends meet. Big hugs

    Total Debt: [STRIKE]£24,359.79[/STRIKE] £16,452
    debt reduced by 32%
    Debt free date: May 2019
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    :grouphug: Bob :grouphug:
    I wish I knew what to say. Your situation sounds so stressful and I literally don't have a single word of advice to offer. All I can do is remind you that you're a fabulous woman doing the best that you can. I'm in no way trying to offer any advice or opinion - just want to say that I'm sure that you know deep down whether it is worth this fight.
    I'm lucky in that I can make ends meet but I'm more than able to remember the stress and pain of wondering where my next fiver was coming from and who wasn't going to get paid this month. It's a horrible, hard place to be and easy to fall onto that downwards spiral. I don't want you to hit rock bottom at all - you deserve way better than that.
    Lots of love to you and yours Bob - send me a message if there's anything at all I can do in any small way.
    XXX

    Hi Cat

    Its fine, Im grateful just to have this diary to be honest as a means of trying to order my thoughts. I honestly cant express to anyone in real life quite how all consuming it is, and I know that my silence has led to the breakdown of relationships, but it annoys me too, if people who are supposed to care about me cant put 2 and 2 together, must I really explain why I cant do the things I once could? Or could they possibly guess at the reason given the fact they know what is going on?

    I just came home to discover another of my DDs had bounced, which is a bad one to bounce. I will have to face up to calling the bank and seeing if they would consider allowing me to extend my overdraft. They've not done it in 5 years so might be feeling generous:rotfl:

    You say that about me knowing whether to call time on things but I actually dont know and thats the hardest thing. Im not sure if I can get this over properly, but I find I go for a few days in a funk, and try my hardest to just keep going. Then I will get a bit of business and it picks me up enough to start trying again on all the social stuff. And so it goes on.
    It is exhausting fighting yourself constantly, the clever money is on quitting, but the part of me that believes in the concept and the fact that things take time to get going wont let go.
    What I am scared of is the prospect that if things get so bad, then I wont have a choice left.

    I wish sometimes that it would just fail spectacularly and then I'd have to stop.
    But it doesnt. It fails just enough to keep my hopes up. And thats harder still. The gambler who believes if they just put in another £5 that jackpot will pay out.

    Thanks so much for being here.

    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
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    emmie26 wrote: »
    I really hope you have some good come from all the hard work and positive energy that you are putting into your business. It must be so stressful putting in the hours and still not being able to make ends meet. Big hugs

    Thanks Emmie hug appreciated:)
    " 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
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Bob, this may be a stretch but is there a chance you can team up with similar businesses locally and create a blacklist of people who have caused issues?

    As to YouTube, it is difficult to get noticed on such a saturated platform and depending on your business may not be appropriate. Do you have an Instagram account? It might be worth putting beautiful pictures on there with a LOT of hashtags, spending some time commenting on celebrity accounts and asking people to check out your page. Annoying spam, yes, but it does work.

    I don't know if this is something feasible to your business right now but is it possible that you could reach out to local Instagram or YouTube "celebrities" who are still on the smaller side (20-50k followers) and offer your venue for one night for free, in return for a mention on their social media? It could be quite helpful to you but again I don't know if it will work for your business model and will certainly not bring a short term cash injection.

    Silverqueen What a good suggestion on a blacklist. I love it:T

    I do have instagram, twitter and facebook. The hours that goes into it! I like the idea of the cheeky ask for a bit of publicity. :D
    " 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
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    f0xh0les wrote: »
    ^^^ that ^^^
    lots and lots of the above.

    Thanks Foxy:D
    " 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
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