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First Steps to Solvency

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  • warby68
    warby68 Posts: 3,135 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    The long post above is amazing and testament to how far you've come. 

    Sorry about the sleep - I know what its like. I suspect sometimes you still keep using your second wind instead of catching the first sleep. Maybe no devices after a certain time might help. You usually post here quite late. My tip from experience is to know when you're a bit wrecked from lack of sleep and factor it into what you do and decide the day after rather than trying to power through. If it means postponing decisions or certain tasks so be it. It helped me a lot to accept the days I wasn't 100%.

    Glad to hear you're back in the saddle for business progression and using your contacts again. Its a cliche but you really are and must feel like a new man. Right from the start of your diary it was obvious business was your saving grace - something you never quite messed up even if you got close. That and your family turned you back from the brink many people would just have slipped over. THAT's why we keep telling you you are deserving of your future - you're earning it back and have done a lot of good things even when times were bad. 

    Time will do its thing with how you see yourself, the more good days you accumulate, the more the bad will fade. 

    Day 200 round the corner, cheering you on.
  • ladyholly
    ladyholly Posts: 3,934 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Even if you dont have a pension in the convential sense I hope that you have insurance that will provide for your wife and son (while hes young) in case anything happens to you. She would also need to have help with investments etc so that any pay out would not get frittered away. I am assuming in this that her parents are no longer around.  This is not to get you worried about your health again but accidents happen. If your wife worked as most women do these days I wouldnt bring it up but from what you say she would struggle to have any kind of career.  Sorry to appear gloomy but I tend towards pessimism and like to be prepared for what may come.
  • Alt  Grandma here,         book your booster now, today. There are plenty of places in the city you don't have to go back to where you had your first two jabs.

    I tested positive last month six days after I had my booster. OK the Covid infection was mild but since then I have been in agony with muscular pain, it is not nice,
    If you go down to the woods today you better not go alone.
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @alt80 you are doing fantastically well; don't beat yourself up about what happened previously because you've learnt from it.  You are an inspiration to people who are struggling with so many different issues, even if they look different on the surface.

    Re your wife's exploitative 'friends' she is doing brilliantly too.  Agree with cutting them out but maybe it would help her self-esteem and embed the changes she's making if she had one conversation to explain the profound changes you're making? Maybe it could spark a light bulb moment for them?  Unlikely perhaps but if she gets something out of it towards her own journey, it's worth it?


  • alt80
    alt80 Posts: 4,641 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Thanks all, my sleep patterns are a joke tbh and not helping me in the slightest. Ultimately I do think it’s the whole not going to bed at the right opportunity, being tired at like 9pm I just think !!!!!! that when I should just maybe go to bed and allowing myself to start things that aren’t sleep that I get engrossed in. Own stupid fault and not getting myself stressed about it although I’ll be completely whacked by about 4pm this afternoon. Working from home so make the most of the morning / early afternoon and might just have to call it a day there.

    @Grumpelstiltskin haha can remember actually writing on here you’re like my NG grandma fml I did mean it in a nice way I’m actually really thankful for some of the things you’ve suggested def given me a push to get out into nature with my family and love hearing about the local history. For all its faults around here, only place that’s really ever been home for me since I decided to settle after uni. Thank you re jab: I do need to get it sorted 100%, certainly not something I’m avoiding and can do without a dose of the omnicron.
  • Get on the booking page and get that booster booked. The sooner you have it the sooner you will get more protection from Omnicron. 
  • stymied
    stymied Posts: 656 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    How did mates parents react to the news about their son? Had they suspected / known for a while. Glad you’re back in touch with them, they sound great.
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    stymied said:
    How did mates parents react to the news about their son? Had they suspected / known for a while. Glad you’re back in touch with them, they sound great.
    Agree.  They must know already; has he tried to contact you since you talked to his parents?
  • theoretica
    theoretica Posts: 12,691 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I don't know if this sketch is your flavour of humour - I have had nights exactly like this
    Your Brain when you're Trying to get to Sleep | Foil Arms and Hog

    For me, thinking about the future is about maximising my options, because I rather expect what I enjoy doing and see as worthwhile will change over time.  I don't know when or how. This sounds like what you are discussing now and makes a lot of sense to me.



    But a banker, engaged at enormous expense,
    Had the whole of their cash in his care.
    Lewis Carroll
  • alt80
    alt80 Posts: 4,641 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Day 196

    no way I should be awake at this time and shouldn’t have taken my phone to bed but I have. Will respond properly tomorrow had a really dark afternoon/ evening but have managed to also reflect on small successes- the dark thoughts not leading to self destructive stuff apart from not sleeping again I suppose. Have managed to look through my finances and smile - done what I said I would with my personal money these past six months for first time in my life really. I’ve made loose plans before, not been serious more when I’ve thought I need to do something and never got anywhere really but this time idk why I’m sticking to plans and not just constantly craving the next level !!!!!! myself for it. Still struggle with that generally but haven’t been letting it get too far. 
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