First Steps to Solvency

ryanm8655

alt80 said:

Variable spends £470

No spend day. Did have an expensed Costa lunch haha not being weird about that again staff spend enough anyway lol. Hate eating in my car but the weather was awful. Missing sitting in cafes lol.

Sturgeon shut the market down in Scotland so seems a bit too close now. Feel sick tbh just thinking about another covid lockdown. Granted I 100 put myself at risk of getting it, some of the places I go to absolutely no chance of keeping social distancing/ other rules they should be adhering too. Wife has been begging the in-laws to form a childcare bubble they refused and tbh I think it’s fair enough given my work and the fact wife is always here to look after him anyway. FIL keeps sending me weird messages about keeping safe think it’s hilarious tbh obv doesn’t want me taking it home to his princess and grandson lol but won’t tell me outright that’s why he messages haha.

Made an effort to have an evening with family. Dinner, walk, story and TV so not exactly taxing lol. Not getting too annoyed about the conversation topic haha yeah she probably thinks my topics of convo are boring lol. Not thought about it like that tbf. Do usually spend all evening in my office so maybe it is me with nothing else going on in my life haha. Quite nice to spend some time in another room. I should make more an effort maybe looking like plenty of time for the date nights soon haha will be nothing else to do lol.

Going to try to go to bed at a reasonable time and take one of those herbal pills lol. Told wife she can keep me accountable. Definitely have a better mindset when I get a better night’s sleep. More productive in the day too generally and less likely to wind up working into the night.

Another good week so far on the business front, just need an announcement from BoJo to say we can just get on with it, will reassure me. Can’t stop working most days, not managed the email switch off/ work switch off this week at all apart from tonight. Last week I did and tbh better week altogether. Wife nagging me to not work just adds to stress levels tbh. I should take my anger about stuff out on her bit ashamed of my behaviour past few days after a decent week last. 

Car:

Not going to be buying anything in lockdown. No way am I click and collecting a car want to drive it first. 

Thought behind getting something like an XJS / mates MG centre around the fact it isn’t a depreciating asset and will make 1/3-1/2 cost of a used V8V. Not sure why people on here think this is madness tbh financially it 100 makes the most sense - putting money (albeit borrowed) into an appreciating asset or at worst one which will remain static in value.

Not driven the mini. Main thing holding me back is it’s just not my kind of car. Thinking there’s a win with wife having a weekday car and me something for weekend with above option. 

@ryanm8655😆😆😆 nice try mate think I’ll pass though lol. 

Driving son to school not a massive deal it’s walkable. 

Wife and I watched the tower bridge programme on channel 5, it was quite good worth a watch if you like history/ engineering. Thought of you with London connection. 

@theoretica haha maybe you’ve got a point.

With the school so close it doesn’t sound like you desperately need a second car. Sure she can use the range to do the shopping or just get it ordered in (easier to budget then too as won’t be tempted by other stuff that’s not needed).

In your shoes I’d have spent the Range Rover money on the fun car and got something more dull as the family/dog car ha. That would be my idea of balance. Appreciate you can’t change that now though. Also range rovers don’t do all that much for me but I guess that’s just person preference. Would rather have one than my car, mind you ha. I plan to have a fun car one day...

Will check out the tower bridge documentary. Literally step out the door of the flat, stroll 10 metres and I’m there ha. Quite nuts really. Never thought I’d live around here, let alone in my own place, even renting.

alt80

So much for the early night. Went to bed, actually almost got to sleep now wide awake. Made an extremely poor decision to make an offer on another project - I wasn’t of entirely sound mind when I made the decision, Just fml I really need to sort myself out stop doing the stuff. The project isn’t a bad one but leaves things extremely stretched for me. I’ll be using a bit too much borrowed money and putting myself in a bit of a vulnerable position if the block won’t sell easily. All should be ok if the block sells quickly but latest Scottish announcement has massively spooked me. 

Getting far too excited about the units making some very poor decisions. Feeling desperate so far as clearing my personal debts goes too I can’t even think about the idea of putting my family before clearing cards. Can’t get the balances others have my head is full of needing more units and for that I need more capital and getting myself a fun car because the summers going to come and I’ve got mates with cars. It’s the only outlet I have that’s not too self destructive and I don’t want to lose it.

Family time gave me a distraction earlier positive I think. Almost wonder sometimes if I’m just going to implode. Don’t feel time on my side and getting desperate. 

@ladyholly we order main food shop online. I pick up bits, wife hates supermarkets. 

@TheAble no savings. Did have a very small amount of money put aside but paying ourselves that back now after Christmas. Re other points does make sense tbh mate. Don’t really want to admit that as I really want a fun car. 

@ryanm8655 shop online mate. 

I initially did spend the RR money (less actually) on the fun car - ftype. At the point I bought that I had a Range Rover sport that had just been fully paid for and an older BM owned outright too. Lost a 997 in deposit for the Jag. So yeah not great on the car front right now.

Location of your place is amazing mate. Know what you mean about feeling lucky to live where you do. 🙂

alt80

Can’t tell the wife I’ve now made another poor business decision telling her about the block was bad enough. If she knew the state I was in when I made this decision I genuinely think that’d be it. 

Really !!!!!! hope no property lockdown too. Exhausted the corona loans first time. 

getmore4less

Going round in circles now, the xjs was thrashed out end of Oct
posts around 29th/30th cover it. 

What was the conclusion on running costs? 

alt80

Wide awake and only got to sleep about 2.30am. Just making bad financial decisions all the !!!!!! time affecting my sleep, wake up and more bad decisions fml.

Yeah XJS another bad decision really  just don’t know how I’m getting through summer with no car and don’t even want to think of lockdown carrying on incase it does get worse. Can’t deal with this going on longer than RR balloon due date either. Looking for a miracle come and take me from current situation lol.

alt80

I’m a hypocrite tell others take a step back, make sound decisions and rewards will come. Haha wish I’d done that these past few years carry on making !!!!!! mental decisions all the time just can’t help myself. Keep away from destructive stuff, not worth it etc. Look after family fml. Said that one before, I know I don’t. Can hardly look at mine sometimes.

warby68

MG mate could help you out for one summer.
Don't make decisions when you feel that bad. Bread and butter stuff only when you're in a state or not sleeping.
You DO have 'reset' options if the long haul is too much for you - going a few steps back to then go forward again with fewer problems.
Sorry its gone bad again for you - do you think you need some support a little further up the mental health chain? I'm 100% layperson but it feels like you are only suppressing stuff not changing it. 
Just try for a 'regular' day today if you can and let things settle.

alt80

Bit humiliating having to borrow someone else’s car.

Cant face going back I know it’s maybe something I should consider.

agreed I shouldn’t be making decisions do the stuff and feel like the decisions I am making are sound in my head at that point money no object ha. Yeah I know. 

Need to be !!!!!! sectioned probably.

alt80

Gone from best I’ve felt in a long long time to back on it. Looking after business and family to absolute !!!!!! madness. Shouldn’t even be going anywhere apart from jobs in lockdown. Blaming wife is stupid because she was on IG and window shopping ultimately. No excuse for my behaviour tbh.

RelievedSheff

alt80 said:

Bit humiliating having to borrow someone else’s car.

Cant face going back I know it’s maybe something I should consider.

agreed I shouldn’t be making decisions do the stuff and feel like the decisions I am making are sound in my head at that point money no object ha. Yeah I know. 

Need to be !!!!!! sectioned probably.

Nothing wrong with borrowing a mates car rather than financing yourself up to get another one. It is probably a wise move if we manage to salvage anything of a summer without too many Covid restrictions. Lets not forget this is the UK and the amount of weekends where the weather is good enough for a weekend drive are few and far between. Borrowing a car makes better sense than buying one!