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First Steps to Solvency

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  • Your weekend plans sound great especially the bread baking with your son. Well done for planning ahead and it gives you something positive to look forward to at the week-end. 
  • Weekend sounds great to me! Anything but a sad plan if you ask me.....in fact my weekend looks very similar lol 😆 
    Current mortgage (1 Jun 2022): £289,501 - originally £351,999 got to love London sized mortgages!
    OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
    Emergency Fund Target: 3 months saved ✅
     
  • ryanm8655
    ryanm8655 Posts: 1,210 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    alt80 said:

    Today must be the day for kids going mad ha son wanted to get out lunch time so took him to maccys for lunch shared a chicken select meal wife knows all counted lol !!!!!! obsessed with no one getting fat. As I left she said she doesn’t want me ‘turning into a fat slob’ FML. Son loved it he’d never been through a drive thru before lockdown not something I did either - sit in or don’t bother but he !!!!!! loves going round there in the car haha. I’ve not had a maccys in a long time and back when I used to have the odd one would have rather admitted I’d been on the chang to wife than ate a maccys haha she hates me eating junk lol. 


    Been thinking about weekend plan. 

    Saturday - big walk will be about 7/8 miles total with wife, son and dog pick coffee up on way home will be Costa but don’t mind their flat white. I’m 100 a sad act, been looking up routes round the park I plan to walk to - 3 mile walk to park, various park routes and 3 miles back. That should take up the morning. 

    England match in the afternoon. 

    Dinner and watch a film. 


    Sunday - no morning plans but cooking going to take a lot of my time. Spoke to my dad and got some recipes. Going to give a bit of bread baking a go too. Said to wife will do the baking with son - her response you’re brave mate ha. Yeah not sure how that’s going to go tbh could be !!!!!! carnage tbf. 


    I’m such a sad act that I’m really looking forward to this like a !!!!!! holiday haha. Also planned tv viewing for evenings this week around son’s bedtime/ dog walk - keep away from answering the phone. Realised I don’t really do that much productive in the office at night if not talking to my mate well mainly listening ha or reports that admin should be typing anyway, it’s obsessive looking at figures and doing stupid !!!!!! like changing the colour scheme of a spreadsheet lol. Definitely nothing worth sniffing the stuff to get me through the night. Realising how much time I’ve lost to drugs tbh !!!!!! ridiculous really.

    Sounds like a great weekend to me, definitely not a sad act ha! I need to do more of this planning weekends stuff...

    It sounds like you are really beginning to turn a corner :-) Appreciate there will still be ups and downs but it's great to read.

    August 2019: £28.8k

    November 2020: £0 (0% interest)

    My debt free diary: https://forums.moneysavingexpert.com/discussion/comment/77330320#Comment_77330320


  • ryanm8655
    ryanm8655 Posts: 1,210 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    With the JV mate, you can't fix him whilst you are still fixing yourself. 
    While he's not ready to change and kick the drugs, his aim in your relationship will be to bring you back down to his level. With you making fantastic efforts to improve your life, it will highlight his failings and dependencies and that's going to make him feel uncomfortable, to counteract this he will be trying to get you to use again.
    I think there is a real risk that in you trying to help him now it will just cause a toxic circle of using, guilt and trying to get clean again. 
    In time, you may well be able to help him get off the drugs and make sensible business decisions that are mutually beneficial to you both, but now is the time to take time for yourself and your family, don't ever feel guilty for that.
    100% this...that will 100% be what is going through his head...have witnessed the same a few times myself.

    August 2019: £28.8k

    November 2020: £0 (0% interest)

    My debt free diary: https://forums.moneysavingexpert.com/discussion/comment/77330320#Comment_77330320


  • theoretica
    theoretica Posts: 12,691 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    On the JV person it might be an idea to only meet him with the staff member who actually deals with his portfolio also present, introducing them if they haven't met, and emphasising the professional footing.  Part of separating your work/family - and not getting into an environment where going with the flow would lead to where you don't want to be.
    Your weekend plans sound great - if the weather obliges! And I am sure your son will enjoy baking with you - first efforts may not be hugely successful or tidy, but that doesn't matter much.
    But a banker, engaged at enormous expense,
    Had the whole of their cash in his care.
    Lewis Carroll
  • Humdinger1
    Humdinger1 Posts: 2,298 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    With the JV mate, you can't fix him whilst you are still fixing yourself. 
    While he's not ready to change and kick the drugs, his aim in your relationship will be to bring you back down to his level. With you making fantastic efforts to improve your life, it will highlight his failings and dependencies and that's going to make him feel uncomfortable, to counteract this he will be trying to get you to use again.
    I think there is a real risk that in you trying to help him now it will just cause a toxic circle of using, guilt and trying to get clean again. 
    In time, you may well be able to help him get off the drugs and make sensible business decisions that are mutually beneficial to you both, but now is the time to take time for yourself and your family, don't ever feel guilty for that.
    @alt80@annabanana82 and @Onebrokelady are absolutely right - please just keep going.  You are doing what you should be - and a bit of low key family life might be "boring" compared with the rush, but 
    an element of retraining your expectations must be part of getting out of this.  You've achieved so much by yourself and Mr Toxic JV has had it all handed to him on a silver plate; sadly, see where it's got him.  It happens more often than you'd think with rich kids but it does put it all in  perspective, no?
  • Sun_Addict
    Sun_Addict Posts: 24,088 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’m glad you’re looking forward to the family weekend, it sounds great and will win you brownie points with the wife and son. Agree with the others your JV mate is jealous of you being a self-made man with a family. He’s not good for you, he’s a loser and wants to drag you down to his level.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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