First Steps to Solvency

alt80

@RelievedSheff wise from that point of view agreed. Just don’t want the debt conversation with people I know through cars some are alright tbf others i 100 can’t face. Did try blocking them but just another thing I can’t fully keep away from. Round in circles definitely lol.

RelievedSheff

alt80 said:

@RelievedSheff wise from that point of view agreed. Just don’t want the debt conversation with people I know through cars some are alright tbf others i 100 can’t face. Did try blocking them but just another thing I can’t fully keep away from. Round in circles definitely lol.

It doesn't need to become a debt conversation. Just use the excuse that you want to try driving a few different cars. A sort of try before you buy experience.

warby68

Its a cliche but those who matter don't mind and those who mind don't matter.
There's your friend with a genuine offer who you can repay one day and then there's the gobby no mark who likes to make you feel bad. Only one of those matters.

alt80

Second strong coffee of the day only thing that’s going to get me through doesn’t help though really just keeps me awake a bit more and need to take a pee every 45 minutes wonderful during lockdown when working in my job lol. Can’t keep away from bad decisions I can’t 100 by 10 I’ll have been through Starbucks drive thru fml. 

@RelievedSheff know what you’re saying definitely. It’s just !!!!!! obvious though re me having financial problems. If I do what I should won’t even have bmw by start of March. No one gets rid of both cars without some kind of issue lol.

alt80

@warby68 voice of reason as always. Seriously thanks needed that. 🙂

RelievedSheff

alt80 said:

Second strong coffee of the day only thing that’s going to get me through doesn’t help though really just keeps me awake a bit more and need to take a pee every 45 minutes wonderful during lockdown when working in my job lol. Can’t keep away from bad decisions I can’t 100 by 10 I’ll have been through Starbucks drive thru fml. 

@RelievedSheff know what you’re saying definitely. It’s just !!!!!! obvious though re me having financial problems. If I do what I should won’t even have bmw by start of March. No one gets rid of both cars without some kind of issue lol.

If anyone asks you don't need them due to lockdown. Get the wife an electric car through work and you can play the "it's good the environment" card as well.

I genuinely don't think people will be interested in why you have got rid of the cars though.

alt80

Good for environment for me about as plausible as telling guys pigs fly mate. 😆😆😆

Maybe I’m just paranoid everyone else going to see me without a fun car and be like hmmm repo. Tbh I’ve no doubt some I know will make a repo joke. FML.

RelievedSheff

alt80 said:

Good for environment for me about as plausible as telling guys pigs fly mate. 😆😆😆

Maybe I’m just paranoid everyone else going to see me without a fun car and be like hmmm repo. Tbh I’ve no doubt some I know will make a repo joke. FML.

So what if they do?

Retireinten

No buying more cars Alt, that's your plan remember. Clear the cc debt, get the RR balloon together, no more debt to pay for unnecessary stuff.... it's this sort of spending that got you into this mess!

You're having a bad few days, you'll get back on track!  

Is there any way you can undo the bad business decision? 

ryanm8655

I think you just need to take things a step at a time. Think in weeks not six month chunks. Particularly with things as uncertain as they are. At one of my lowest ebbs (post serious bike crash as a teen) I stopped thinking about the future for a bit and just took a day at a time. Took one positive from every day. I’m employing a similar tactic now in trying not to second guess what’s going to happen with corona.

Appreciate you run a business so on that dude you do need to think more longterm but it sounds like things are ticking over just fine if you don’t commit to more risky purchases. I’d wait until you’re in a better place mentally dude.

You’ve been doing well and have had a lot to deal with. Get through today and have a kip later with the herbal pills. Clearly the bojo stuff triggered you but that might not even happen...

Worry about summer when we get there dude.

Who cares what others think, that’s what hot you into this mess anyway and really is no different to your wife wanting to show off on Instagram. Not worth getting in debt and self sabotage to impress others...