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First Steps to Solvency
Comments
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I have faith, you are seeing major progress, a lot of the extreme thinking has settled and much better balance all-round especially on the finances.
You have crossed the boundary where you want the better future, now you can see it, a lot more than the past that will keep you on track with the help of the pros as you are seeking that help when needed.
One thing I learnt is always be in passive recruitment mode, on the lookout for good people, you can grow faster into a bit of capacity, good people are not always available when capacity is maxed out and it also uses up too much of your time filling in.
Weekend ok dodging around the rain.
Today looking like another variable rain day.
I have a mix of inside and outside jobs to pick off the list.
Steak dinner....
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Obviously just here for the bantz....especially as I called you a secret milk float lover (and was right!). I am really happy that you do like it though and it has opened up your mind to different options. You aren't seeing it as a failure now or as a step back like you were.
Congratulations on your progress too. Paying off that much money is impressive and so is your days.
Kids play up. My DD does the same and if she detects weakness then she goes for the jugular. It's hard but he will see as the days go on.
Have a good day.
September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x2 -
Day 66. Woke up very late, my wife often leaves me to sleep in at the weekends but I wasn't up until 11am today haha. Day of getting jobs done round the house dodging the rain £0 spent.
Went out in the Range Rover I still love the thing know people on here think it's ridiculous and I have to admit the EQC is an amazing car but I still love my Range Rover. Love them both in different ways ha. Mrs not too keen on me buying another fast sports car, she likes the MG we share driving it and not really going to get anyone into trouble I have thought about a XJS maybe when my debts are paid but it's not a desperate problem. My wife wasn't much a fan of my F-type tbh I bought it because it was !!!!!! mentally quick, had same engine as my Range Rover and no other reason. She and the BMW didn't have the greatest of bonds either but she loves the Range Rover, the little MG and the EQC. Tbh I do too best fleet I've owned and not one I put together myself ha.
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I love that you love the milk float.
Its also fine that youlove the RR- it's now become that you're moving towards it being a reasonable affordable expense rather than a huge monthly money sink.
Don't worry about your son playing up, keep all your boundaries and expectations for me solid. My daughter is brilliantly behaved, but she will still have a few hours every few months where she gently ramps up bad behaviour- she's testing whether all our boundaries are still there and once she's pulled up and I have a talk with her she settles back down to normal.Bottom line;
£49k paid off
Car HP paid off
Debt Free!
Saved Escape fund and moved out.
Current focus; saving Emergency fund0 -
I don’t think anyone thought you were ridiculous for loving the RR but what was crazy was the amount you were spending on cars each month meaning you were going into debt to live. Now your outgoings on cars are more aligned in your budget and you still have access to 3 cars so win win. Tbh the only car envy I have is for your EQC but I am not a petrolhead and just really think of cars as means of getting from A to B. It has to be reliable and comfortable and those are my main priorities.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/£80002 -
Day 67 falling into the getting tripped off because I’m completely !!!!!! whacked. Kind of accept it on day 1-7 but fml I’m on day 67 now and not been doing it that much over the whole of this year really. Ok amount of sleep and managed to get a good hour working this morning but I’m so !!!!!! tired all the time. Just had to stop myself looking at getting a body scan done haha yeah not going down that road. It’s really !!!!!! weird tbh was responding to people on here and almost fell to sleep last night. Get through working day and I can’t do anything wife lecturing me I need to take some time off but had the long weekend and that did !!!!!! all. Incredibly triggering tbh. Anyway rant for the day over, won’t be spending any money today apart from food.Son can be weird maybe I’ve been reading too much into it but I convince myself it’s because of how I am. Trying to work with the literature but life doesn’t always work that way know that. Thanks to those on here with kids who say theirs kick off too - I do start wondering if it’s me and because he effectively falls into the child of a cokehead category keep !!!!!! reading all sorts of !!!!!! horrible stats relating to that and every time he kicks off I start wondering if I’ve damaged him beyond all !!!!!! repair though tbh my sister and I were !!!!!! nightmares sometimes. Idk I am a bit paranoid about it tbh.1
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Well done on getting to Day 67. You are doing amazing.
We don't have children but we do know from the sister in laws 5 children that they do some weird stuff at times and kick off for seemingly nothing at times as well.
Children test boundaries. It is part of growing up and learning what the boundaries are.
You are doing a great job with him. Stop panicking all the time. He will grow up just fine he has had an amazing start in life1 -
Well done on reaching day 67. Another one in the children kick off camp, it’s just what they do sometimes with no proper reasoning lol. I have what I consider quite a well behaved, well mannered daughter but when she kicks off she kicks off 😂😂, they like to push boundaries. Keep putting ur time and effort in and the rest will fall in place but it’s probably not as a result of anything you have done or are doing1
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Totally agree, kids push back to test boundaries all the time.
if you’re tired all the time have you looked at upping your iron rich foods ?Sealed pot challenge 822
Jan - £176.66 :j4 -
dawnybabes said:Totally agree, kids push back to test boundaries all the time.
if you’re tired all the time have you looked at upping your iron rich foods ?
I do think that Alt is eating more than just chicken salad these days2
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