£67,031.92 is a frightening number indeed....

debtaghh

Not sure if op still logs on but hope all is well. The diary world doesn't seem the same without the regular updates

db2016

lurker, delurking.



read all from beginning and today read this year thus far.

i'm with seashell, pulling the plug because the OP doesnt like the other side of the coin is childish, sure i suppose its easy to say its because of other reasons, but not liking what is a balanced view (many posters on here have been positive and negative when needed). is just wrong in my opinion. and a forum is that, a bunch of opinions.


if you want people to blindly tell you debt for business or construction is fine and support you in these issues, then go to "grand designs" forums etc.


of course there will be a stack of posters / subscribers who will stand by OP religiously. i think not because (in some cases) they believe OP is doing right or making the right choices, but perhaps because they are engaging in the writing style or feel they "know" the OP. which is biased imo.

good luck to OP and i did have some businessy social media thoughts to add for OP and the others reading this popular diary, but alas..

Sea_Shell

Something today made me think of TOPM and wonder how everything is going for them.

Great guns I hope.

How is the business doing?
How's the building work progressing?

Anyway, I realise I'm talking to myself here, but just to let you know, we (I) still think of you every now and then.

Happy New Year!! Here's to a great 2020!

arsenalbarnie

Yes Happy New Year TOPM x

db2016

wish her well, but i still stand by my post from following.

db2016 wrote: »

lurker, delurking.



read all from beginning and today read this year thus far.

i'm with seashell, pulling the plug because the OP doesnt like the other side of the coin is childish, sure i suppose its easy to say its because of other reasons, but not liking what is a balanced view (many posters on here have been positive and negative when needed). is just wrong in my opinion. and a forum is that, a bunch of opinions.


if you want people to blindly tell you debt for business or construction is fine and support you in these issues, then go to "grand designs" forums etc.


of course there will be a stack of posters / subscribers who will stand by OP religiously. i think not because (in some cases) they believe OP is doing right or making the right choices, but perhaps because they are engaging in the writing style or feel they "know" the OP. which is biased imo.

good luck to OP and i did have some businessy social media thoughts to add for OP and the others reading this popular diary, but alas..

Mrs_Money_Penny

Happy New Year TOPM please come back xx

Verbatim

I too would love to hear how you're getting on. Best wishes for 2020 and I hope that the business thrives.
Vx

Treadingonplaymobil

Wow, how lovely to see these posts, and the private messages people have sent. I've been contemplating a new start (possibly under a new name) for a long time, after some massive personal life changes last year, but the moment never seemed quite right, and the time commitment of keeping a meaningful diary here never quite the right thing. But an update seems due as I start the year!

Life is... bonkers crazy. But really good. 2019 included launching a new business (which is going amazingly, with a small but growing profit, and I have high hopes for 2020), getting halfway through the house renovation, separating from my husband (which means finances are a massive up-in-the-air situation at the moment, with neither of us clear how we're going to resolve it, although we are doing so pretty amicably thus far), some huge mental health struggles to get through the whole situation and support my children through it, and finally it included meeting someone kind of wonderful and feeling 'right' about a relationship in a way I never have before. Buying 'stuff' naturally came to a total halt in between all of that.

I still have a huge focus on having a positive, abundant mindset, which has done more for my financial stability than any amount of stripping back and cutting out and feeling bad about money ever did (even though it has kind of naturally led to some really serious frugality as I've prioritised the things I want more of - joy, adventure, security, stability and genuine financial independence), and I can't recommend that mindset shift highly enough to anyone who feels that constantly looking at what can be removed and stripped back when it comes to budgeting isn't supporting them.

Um, that's kind of it for now really. I feel like if I started a diary again it would more be about sharing what I've learned, getting it clear in my own head and talking about I'm doing things my way (and a load of recipes - I have become a total food budget queen) than it would be about seeking advice on ways to strip things out of my budget. And I'm not sure if this is the right place for that.

I hope that everyone who has ever read or posted on here is having an amazing start to 2020 and that you're feeling positive and upbeat about whatever the year ahead holds for you. I'm feeling beyond excited about what lies ahead, even though there's some tricky waters still to navigate.

Silver_Queen

Welcome back TOPM. I, for one, would love to hear about your continued journey (and your recipes!) done your own way

Starmummy

Wow! Blast from the past.

It's really good to hear from you.
What an eventful year you had.
I'm sorry to hear about you and your husband but it sounds like you are both making the best of the situation so well done for that.

Take care
SM