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First Steps to Solvency

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  • alt80 said:




    @enthusiasticsaver not sure how the population itself is responsible for a vaccine rollout? 



    Apologies I thought you were talking about  the R rate which is different across the country due to population behaviour and because the lockdown is less strict this time. The impacts of vaccination will not be seen for many months and the slow  rate across the country is due to supply rather than infrastructure.   It is the NHS who is responsible for the vaccine rollout  not the City Councils. 

    Sorry you are having a rough day. 
    Our area isn't doing great with the R rate.

    No great surprise giving how many people are breaking the rules. As I type this three of the houses surrounding us have visitors and non of them have children so it isn't a childcare bubble.

    It is frustrating when we are following the rules and others are so blatantly breaking them.

    What hope do we really have of bringing this virus under control?
    I agree with you.  Most people down here are still following the restrictions but there are a lot of older people in the South West who tend to be a bit more cautious.  We have a problem with out of area visitors still though and there are still groups of people not following the rules.  In our small town some stupid person decided to organise a New Years eve  dinner at a football club and about 25 people came down with Covid in early January.  Normally it is less than 3.  No surprise how that happened.  Even today our beauty spots are rammed with cars and not all local. It is frustrating as we are following the rules in the hope we can get out of this mess soon but that will only happen when most people stop mixing households. 

     I think this lockdown is less strict though with more people working, the definition of key worker has been extended meaning schools are busier, childcare bubbles etc and people are becoming complacent thinking that older people are already vaccinated and so they don't need to be careful anymore or they are just fed up of restrictions so ignoring them. Someone I know thought it was ok to be across two or three bubbles with their different children.  

    Rant over  :D:D:D
    Did you see the van load of surfers who travelled down Cornwall from London on the news last week,the police fined them and sent them packing 😡
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • alt80 said:




    @enthusiasticsaver not sure how the population itself is responsible for a vaccine rollout? 



    Apologies I thought you were talking about  the R rate which is different across the country due to population behaviour and because the lockdown is less strict this time. The impacts of vaccination will not be seen for many months and the slow  rate across the country is due to supply rather than infrastructure.   It is the NHS who is responsible for the vaccine rollout  not the City Councils. 

    Sorry you are having a rough day. 
    Our area isn't doing great with the R rate.

    No great surprise giving how many people are breaking the rules. As I type this three of the houses surrounding us have visitors and non of them have children so it isn't a childcare bubble.

    It is frustrating when we are following the rules and others are so blatantly breaking them.

    What hope do we really have of bringing this virus under control?
    I agree with you.  Most people down here are still following the restrictions but there are a lot of older people in the South West who tend to be a bit more cautious.  We have a problem with out of area visitors still though and there are still groups of people not following the rules.  In our small town some stupid person decided to organise a New Years eve  dinner at a football club and about 25 people came down with Covid in early January.  Normally it is less than 3.  No surprise how that happened.  Even today our beauty spots are rammed with cars and not all local. It is frustrating as we are following the rules in the hope we can get out of this mess soon but that will only happen when most people stop mixing households. 

     I think this lockdown is less strict though with more people working, the definition of key worker has been extended meaning schools are busier, childcare bubbles etc and people are becoming complacent thinking that older people are already vaccinated and so they don't need to be careful anymore or they are just fed up of restrictions so ignoring them. Someone I know thought it was ok to be across two or three bubbles with their different children.  

    Rant over  :D:D:D
    Did you see the van load of surfers who travelled down Cornwall from London on the news last week,the police fined them and sent them packing 😡
    Yes.  Annoying.  Second home owners are also travelling down and somehow a group of seven people/families managed to rent a house in Falmouth and have a party.  Idiots. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

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  • alt80 said:




    @enthusiasticsaver not sure how the population itself is responsible for a vaccine rollout? 



    Apologies I thought you were talking about  the R rate which is different across the country due to population behaviour and because the lockdown is less strict this time. The impacts of vaccination will not be seen for many months and the slow  rate across the country is due to supply rather than infrastructure.   It is the NHS who is responsible for the vaccine rollout  not the City Councils. 

    Sorry you are having a rough day. 
    Our area isn't doing great with the R rate.

    No great surprise giving how many people are breaking the rules. As I type this three of the houses surrounding us have visitors and non of them have children so it isn't a childcare bubble.

    It is frustrating when we are following the rules and others are so blatantly breaking them.

    What hope do we really have of bringing this virus under control?
    I agree with you.  Most people down here are still following the restrictions but there are a lot of older people in the South West who tend to be a bit more cautious.  We have a problem with out of area visitors still though and there are still groups of people not following the rules.  In our small town some stupid person decided to organise a New Years eve  dinner at a football club and about 25 people came down with Covid in early January.  Normally it is less than 3.  No surprise how that happened.  Even today our beauty spots are rammed with cars and not all local. It is frustrating as we are following the rules in the hope we can get out of this mess soon but that will only happen when most people stop mixing households. 

     I think this lockdown is less strict though with more people working, the definition of key worker has been extended meaning schools are busier, childcare bubbles etc and people are becoming complacent thinking that older people are already vaccinated and so they don't need to be careful anymore or they are just fed up of restrictions so ignoring them. Someone I know thought it was ok to be across two or three bubbles with their different children.  

    Rant over  :D:D:D
    Did you see the van load of surfers who travelled down Cornwall from London on the news last week,the police fined them and sent them packing 😡
    Yes.  Annoying.  Second home owners are also travelling down and somehow a group of seven people/families managed to rent a house in Falmouth and have a party.  Idiots. 
    I hope they were fined 😡😡
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • They were fined £1400 which is just £200 each.  That is a joke and should be way higher. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
    Save £12k in 2025 #1 £12000/£8000
  • They were fined £1400 which is just £200 each.  That is a joke and should be way higher. 
    That is a joke when you think think they are putting peoples lives at risk
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • alt80
    alt80 Posts: 4,641 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    edited 24 January 2021 at 12:46AM
    Half my problem I can’t move on from !!!!!! I’ve done in the past. Just like poor financial decisions I analyse things a lot then the self loathing gets bad and I can’t bare to be near my family - guilt basically. Used spending and cocaine to feel better, helps whilst I’m on it but the comedowns are getting worse, built tolerance and it makes me me at my worst. Hate myself for it all starts again. It’s addiction I know from the counselling/ reading I’ve done that I’m not just doing it for a bit of fun, I lost control a while back really same for the spending. You’ve no idea how shameful that is to admit, feel like !!!!!! and crave it all the more. It’s like being stuck in your own !!!!!! nightmare.

    All I’ve ever wanted to be is successful in business and I’ve coasted, lost 4/5 years to a never ending cycle of hate, debt and using drugs. Now I hate myself for the lost years and opportunities in business. Feel !!!!!! hopeless and back to craving it. Know getting to the other side really isn’t going to be easy but I’ve done some more on the addiction workbook. Wife said it seems I’m taking it seriously. Sat in bed her watching TV as usual she’s asleep in 5 mins haha.

    @KxMx haha going to give it a go. That’s been my happier jan plan something fun involving someone else. Son is delighted we’re going to grow some sunflowers doesn’t take a lot to please him haha. Told him we can’t do it yet so daddy has a reminder in his phone and he needs to guess how tall they’ll get.

    @annabanana82/ @ladyholly yeah my FIL isn’t a bad person tbh he’s helped me a lot over the past few months. I just can’t face them a lot of the time. We are very different tbf and I know I haven’t been a great husband so it’s not that easy but I know they mean well.

    @Onebrokelady/ @enthusiasticsaver absolutely doesn’t surprise me re Cornwall in the slightest. No idea what the way out of this is tbh just seems like it’s going on and on forever but the stats are getting worse - don’t think the cold weather is helping tbh. Past few days felt a bit different about it before I didn’t really care tbt wasn’t constantly breaking guidelines or anything but still. Don’t get me wrong I don’t want my business being shut again but I think we all need to do what we can to protect our families/ others.

    My wife is an absolute mess for not being able to see her parents. Speaks to them everyday but in tears by the time they hang up. Just awful all round, those that are vulnerable to severe issues from it and those of us just finding lockdown tough for whatever reason. Coming up to nearly a year too, don’t think any of us ever believed any of this would happen.
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,062 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Well done on sticking with the addiction workbook. I would not be surprised if the self loathing is a withdrawal symptom. Depression is another. Hopefully it will get easier. You have inspired me to do the sunflower growing with my DGDs . 

     I just hope the situation with this awful virus turns round soon for all our sakes. Had my DD2 in tears too today from stress of both her and her husband wfh in busy stressful jobs while home schooling a 5 year old and entertaining a 2 year old  and at the other end of the scale my 85 year old mum crying on FaceTime because she can't see us and is coping with my stepdad with dementia.  This is breaking families. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
    Save £12k in 2025 #1 £12000/£8000
  • katsu
    katsu Posts: 5,022 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    @alt80 I really am touched by your comment tonight about covid. It's true that we all need to act as a society and protect people by staying apart. It's not easy and I do worry about the mental health aspect, but I think it's important that vulnerable people are not marginalised so I'm pleased to see such comments from people like you who felt it wasn't a risk for you and your immediate family.  For me it goes with paying taxes, being a society and a community,  not just individuals. 
    Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.
  • alt80
    alt80 Posts: 4,641 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    @enthusiasticsaver thanks half think I’ve done it for so long don’t know what’s a mental problem and what’s down to too much chang. Not great tbh. 

    Sure your grandchildren will like the sunflowers.

    Yeah it’s very difficult for families that are close knit. Must admit I’m half glad there’s less temptation need that right now but hate to see what it’s doing to my wife and her parents could see her in a childcare bubble but they won’t think that’s what upsets her the most. She told me she thinks they’ve just rejected her lol.

    @katsu I have conflicting views on it tbh. Hard when you come across people who would likely be very vulnerable to it and I do in my job - see all kinds of people haha. Not going to pretend I like paying tax though FML.
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