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First Steps to Solvency

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  • enthusiasticsaver
    enthusiasticsaver Posts: 16,070 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    You are fatigued because you did not go to bed until 1 am.  6 hours is not enough sleep.  I am an advocate of porridge for breakfast.  Gives you loads of energy and keeps you full until lunchtime.  I usually have some raspberries or blueberries with it.  You need more sleep, 3 balanced meals a day, lots of water  and to stop work, working out complicated figures or intensive reading after about 6- 7pm so you get 3-4 hours of solid chill time.  Build an hours exercise into your day too either first thing in the morning or around lunchtime. 

    I think your wife is just excited to get back to some sort of normality and I have to admit I am the same.  Not going mad booking holidays at the moment as too early (apart from rearranged ones from last year) but we are discussing plans of things we want to do.  Cut her some slack but just tell her you think it is too early to book stuff at the moment.  I agree with RS though that it is normal to want a family holiday and you sound obsessive about overpaying the debt when you have already done a budget.  Don't make the mistake of thinking any spending  is bad.  The whole point of money is to sustain a lifestyle. No one wants to be the richest person in the graveyard. Similarly you have to balance investing for the future against living in the present.  Your spending was way over the top before you came here but if you are now leaning to spending practically nothing you have gone too far the other way.  
    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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  • warby68
    warby68 Posts: 3,135 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Everyone has already said what I wanted to this morning 

    Try and read back the last few days and take in the remarkable consistency of what everyone is saying.

  • FML I just spent ages typing war and peace and lost it all.
    To put it more succinctly you are doing an amazing job and dealing with lots of different stresses,
    Debt
    Poor sleep 
    Addiction 
    Running two successful businesses 
    Family issues
    A pandemic 
    A $hitty mate that wants to drag you back to his level 
    Very little support from beyond MSE and your counsellor 
    Yet here you smashing all your goals, still determined please don't underestimate just how well you are doing.

    The holidays aren't directly about spending your money, but ensuring you have some sort of work/life balance, even without the above mentioned pressures weekends just aren't enough for long term sustainability.

    I have unfortunately had some experience with heart issues with my other half, if you really are worried about your heart then speak to your Dr and maybe keep an eye on your ankles, but I agree with the others you have other factors that are more likely to be linked to your fatigue, and stress and fatigue are very much linked. 

    Bet your glad you got the short version now :smile:
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  • theoretica
    theoretica Posts: 12,691 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Doing more and getting tired is perfectly normal. I do!  Especially if you aren't getting a full night's sleep.  You seem to measure work by hours put in and not by what is accomplished.  What you have done is usually a far better measure - both for whether it was worthwhile and for how you feel afterwards.
    Also - a CT scan is hugely limited in what it can show and any outfit that wants to jump straight in to one and expose you to radiation is more interested in your money than your health. 
    But a banker, engaged at enormous expense,
    Had the whole of their cash in his care.
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  • amanda_p
    amanda_p Posts: 125 Forumite
    Eighth Anniversary 100 Posts Name Dropper
    You don't seed a full body scan. Your GP/hospital doctors spend 6 years at medical school and then another 6 to 10 years specialist training. They would be well qualified to sort out potential heart problems, not a company that charge a ridiculous amount for a full body scan. A decent doctor can assess you as you walk into his surgery, before you have even spoken. Many years of intense training enable them to do this. They don't need to rely on a machine.
    I also think you forget your years of substance abuse will take more than a couple of months to get out of your system, it will take a very long time and it can't be rushed through.
    Most people are tired after a day at work, it is quite normal. I think if you had any sort of heart problem you would have many more symptoms.
    Give your body time to recover,give it some good nourishment and give it some rest and relaxation. Just give it time.
  • getmore4less
    getmore4less Posts: 46,882 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    If you do go down this route of spending money because you feel a bit tired it should come out of your RR balloon  not the other already agreed plan.  

    It is more of the instant fix can't  blame the slow progress on drugs anymore lets try health.
    Not being a hypochondriac about it but fatigue can be a symptom of heart issues

    That's as hypochondriac as you can get when the starting point is a decent meal.

    may be to much Dr. google in your life.


  • Onebrokelady
    Onebrokelady Posts: 7,807 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Look at it this way, you have been using drugs for a while and have recently stopped but you haven't done anything extra to help you body to recover. Your body needs lots of good nutrition to recover from the abuse it's been under so if you are not eating enough nutritious food to do that you will feel tired. You can't just stop mistreating your body and expect it to bounce back to full health without extra help, it might also be the case that things will get worse before they get better,your body has been in a heightened state and now needs to adjust itself to normal levels and it's possible that it's reserves are so depleted that you will feel worse before you feel better. I would concentrate on food for a month and trying to eat more protein and carbs,also focus on sleep for the month, if you feel tired and are able then let yourself sleep,you might find your body will then find it's own rhythm and things will settle down. If after a month of good food and sleep you still feel the same then speak  to your gp about running some tests. Oh and all healthcare professionals are taught not to judge someone by their lifestyle choices, we might not agree with how you live your life or how you choose to abuse your body but healthcare professionals are expected to treat you the same as anyone else regardless of your lifestyle choices
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  • alt80
    alt80 Posts: 4,655 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Took my son and wife to starbucks for lunch - back at school next week so last day of the homeschool. Obviously unexpensed and every penny I spend feel guilty about it. Know the budget has been set for this stuff and will again come in way under this month - I truly wish I didn't want anything could just never spend any money again. Should not be upset about a £20 spend in starbucks it's not going to break my bank know that. Wife fed up of me haha can't really blame her tbt. Do think life as I lived it needs to be over but can see where she/ others are coming from with the not being extreme about no holidays/ lifestyle/ whatever. Just can't find the balance and dreading end of lockdown. JV mate wants me to go and see an AM with him day the dealers open, no one else to take apparently, it's a long way up north so wants a !!!!!! chauffeur and a second opinion on it. Told him will have to wait until the weekend after now getting message after message saying if he misses this it's my fault will withdraw his business FML tbh half want him to, sounds !!!!!! terrible I know when it's a mate buying a car should help him with it but the !!!!!! taking already started - knows it's my dream car and I can't buy one so a full day of that to deal with some point in April. Great, currently hoping for BoJo delivering a lockdown extension right now.

    Had to call the !!!!!! hotline earlier was almost ready to give up. Tbh think I need the stimulants - get my energy levels up a bit something like the Ritalin would probably work quite well for me from what I know doesn't give you a proper hit but no massive comedown and get the focus - could do with that in the evening. No !!!!!! way they're going to prescribe me that though I don't think so probably should get it out of my mind. Too much Dr Google 100% tbf I would be annoyed if a GP was telling me how to do my job. Scan people got back to me trying to give the hard sell tbh do half wonder if they are more concerned about their fees than my health. I don't have any other symptoms apart from the evening fatigue wife thinks I'm back on the health stuff again told me she's not going to listen to a weekend of me chatting !!!!!! about me trying to 'score drugs' off my GP FML. Not like that but can see it sounds that way.

    I'm getting a lot done 9-about 3/4pm but starts declining for last part of day - business going really well no complaints there just the out of work hours tiredness if I could fix that and !!!!!! the debts off I could concentrate on generating another income stream. Seems like everyone has more energy than I do tbh - I don't want to get left behind and if I could be as productive for the rest of the hours in the day as I am for the first 5-6 that would be better. As it is I'm whacked every evening and doing nothing with my time that's worthwhile and 100% I've a lot of time to make up for.  

    Don't tempt me re Fish and Chips could just fancy that tonight ha. 
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    edited 5 March 2021 at 6:10PM
    For the last time. It is perfectly normal to feel tired at the end of the working day.

    I could happily go to bed now. I am shattered after the day at work I have had.

    I won't though. I will just chill out with a few beers on the sofa in front of the TV. Nothing wrong with that. Friday night is chill out night to start the weekend.

    You do not need prescription drugs from your GP you need to relax, get a good diet in place and let your body recover from the years of abuse it has had.

    Your wife is right. Don't let this become your next obsession. 

    If you fancy fish and chips why not treat yourself and have it?
  • elbree
    elbree Posts: 395 Forumite
    Fourth Anniversary 100 Posts Name Dropper
    @alt80 you've made such amazing progress in sorting out debts, making a plan to move forward and spending time with family - all key building blocks for a happy life. It makes me sad to think you don't want to spend £20 to have a nice time with your son before he goes back to school - that's what money is for! What do you mean by getting 'left behind'? Who are you comparing yourself to? All the people on here are rooting for you, you're doing so well. Don't replace one addiction with another. 
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