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First Steps to Solvency

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  • alt80
    alt80 Posts: 4,645 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    @theoretica I wish I felt like that mate brilliant place to be and attitude. I always have felt like time is running out just even worse now all the stuff I thought I'd have at this age that hasn't happened and paying for a past overstretched lifestyle knowing I'm putting things on hold further but need to do it. Really question if I'll ever get out of my current res home not that it's a bad place because it isn't, just won't have achieved what I set out to if I don't move onto the next level. Question lots of other stuff like that. In the rehab it's like a different world hard on the therapy definitely but also really peaceful, just have time to sit outside and look around at the scenery idk how to describe it but it's like every expectation has gone no competition with others, nothing to buy. Bit like lockdown 1 in a way.
  • theoretica
    theoretica Posts: 12,691 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 10 May 2021 at 11:00PM
    Possibly it was a good thing for me that I set out to achieve completely impractical aims (I was going to win the Nobel Prize, among other things...) so had to come to terms years ago with it being fine to change or ditch aims if they didn't make me happy.
    But a banker, engaged at enormous expense,
    Had the whole of their cash in his care.
    Lewis Carroll
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,067 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Rehab is not the real world so the idea is that you get started on a new regime and continue this at home.  Getting clean in a strict carefully controlled environment is one thing but continuing it when you have outside influences is altogether different as you are finding out.  For the sake of your future though I strongly suggest both you and your wife block the mate.  He is intent on bringing you down to his level and the fact that his ex wife had to take out a harrassment order to keep him away is worrying along with messaging your wife numerous times on the day you came home.  He will sabotage you for sure  if you let him back into your  life. Don't envy him.  He sounds a very sad and lonely individual but no doubt that is down to the way he behaves around people. Money isn't everything. 
    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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  • CRANKY40
    CRANKY40 Posts: 5,913 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Name Dropper
    Your dodgy "friend" is an absolute nuisance but to be fair, while he is messaging Mrs alt you have a little bit of control of the situation. I feel as if you were to block him on Mrs alt's phone he will double/triple his efforts to get to you and you're not strong enough yet to deal with what he will do to get at you and he knows your weak points. He's nuts - barking mad. As long as you and Mrs alt are on the same page here and you stay away from him you have a fair chance. If Mrs a feels threatened by him then take it further but otherwise try and come up with a strategy for dealing with him at some point. For instance say in 3 months or 6 months Mrs a will block him and you will deal with the fallout then. Don't under estimate the lies he will tell and the rubbish that he will come up with though. I'd expect him to say he's slept with your wife, fathered your son, has bought up all your debts...just about anything he can do to get to you. Be ready for him, both of you.  

    Incidentally you manifest what you think that you will. If you think you won't move from your house or get your AM then you won't. Don't waste your obvious talent by thinking negative thoughts and dwelling on negative things. Start concentrating on what you need to do to achieve what you want. You're halfway there already. Keep speaking to Mrs a and start work on your plans for the rest of your lives. Good luck, you can do this. 
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,067 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    alt80 said:
     

    @downshifted I suppose I mean I'd swap his position in life use the money to make a go at things move away maybe idk. Would def be easy for him to. Never known debt for anything haha so def not paying for his past stupidity.
    He is paying for his past stupidity but personally rather than financially.  He has lost his family and does not seem to  have any other friends or why does he keep pestering you?  There  is usually something missing in someones life if they need drugs/alcohol to fill a void in an otherwise empty life. No point in moving away if you are like that as the problems follow you. 
    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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  • woahsoah
    woahsoah Posts: 78 Forumite
    Third Anniversary 10 Posts Name Dropper
    edited 11 May 2021 at 3:57AM
    You do see he is trying to sabotage you right? Its bloody obvious by wanting to put a condition on your home. The moment you buy that car he will ask to "socialise" (aka do drugs), the moment you refuse he will call in the loan. If you can do it and get a legal professional to work the contract in your favour so you can screw him then go for it.
    He really has nothing. I'm surprised you could be envious of such a guy. I don't know how much of your pnl he is responsible for so perhaps you need to be careful about totally removing him from your life.
  • katsu
    katsu Posts: 5,023 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    He's a fiend not a friend. 
    He's messing with your head and you need to avoid him as he's toxic.  I'm 100% convinced it is a way to get your attention and stop you moving on with a clean life by having you owe him. 

    So for you, great news that the wife is now so on board. You are both waking up to live a new life. Stay that way. 
    Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    It is great to see both yourself and your wife throwing yourselves into this this time. I think you will make a great team and you will smash this.

    Your salad sounds nice.
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