First Steps to Solvency

getmore4less

alt80 said:

@getmore4less I can’t do it mate know I need to give up on the cars a bit. Weather there and that’s it I need one will keep me sane. 

Spent a bit of time running the numbers. If I get rid of the BMW and buy a used V8V £750/m over 60 months no balloon plus say £15k deposit which my mate has said he’ll let me borrow I will get a really nice one through timeless so 1 year warranty included. Will add £31.5k over keeping the BMW. Hammer the AM once the RR balloon gone or refinance the balloon for the RR.

Do you really want to go down the route of getting into debt with mates?
Which one druggy or MG.

Does that still leave room for the proper family car funded through the business?

Needs at least a week of sleeping on it.

getmore4less

Picked up a new drama this week on BBC
The serpent
Pretty good, based on real events , one of those that mixes up the time lines so you have to concentrate to follow which could be good.
One to stick on the list for another week.

alt80

Seen it mate binged it in 2 sittings a while back lol 100% amazing series. Def watch it to the end.

put on my list to watch again really is that good worth it 100%

theoretica

Remember you have two night's worth of sleep to get to be in a fit state to be effective at work tomorrow.

stymied

If you do this wife will also spend. Have you factored that in?

JCS1

There is concern about the loan from that friend, you may feel indebted to him.  Please think about over next few days or even weeks.

alt80

@JCS1 done something I won’t be doing again mate need to keep away from it all cars, mates etc etc the lot head in stupid place don’t know what’s wrong with me why I do it need get back into the family life and go to bed. Tomorrow is a new day.

katsu

@alt80 I'm sorry it sounds like you are having a tough time. Your family want to be with you. You can make it through this. You've got family, you've got us here to support you.

I'm sorry you hit your hand on the wall. That isn't right for you or your family life.  You must feel v bad.

If you are still drinking tonight, I'd stop, whilst you feel unhappy it's not helpful.

JCS1

alt80 said:

@JCS1 done something I won’t be doing again mate need to keep away from it all cars, mates etc etc the lot head in stupid place don’t know what’s wrong with me why I do it need get back into the family life and go to bed. Tomorrow is a new day.

It's a blip, we all have them.  There's a quote that healing/recovery is not a straight line, so these things are expected (a lot easier said than done to deal with,  I know that).

alt80

Can’t work like I used to shouldn’t put my issues on staff done that to myself and everything else made myself ill put my family through this. Should be happy never am nothing ever good enough always been the case that doesn’t go. Thought and hoped it would seeing others on here happy with life with less money thought I’m going to be onto a winner but no always next thing. Never stops.

Don’t want my son growing up with me doing this stuff anymore. I don’t like who it turns me into. Seeing the things I write worse than stuff I say easier to revisit. Too many things that lead me to wrong road every single time.