First Steps to Solvency

alt80

Friday wasn't easy; usual group of staff were talking about going out this weekend, my mate's mum a bit better so had him turning up to my office unwanted wanting out. Can't take a !!!!!! hint even so tbh it's taken everything for me to not !!!!!! up Friday night or this weekend. Friday was no spends asked my wife to pick me up from office, spent the afternoon not feeling well at all tbh just came home and went to bed but hardly slept. Saturday didn't spend much just stayed home with family and hardly slept. Did get out for a few hours today tbf. Feel !!!!!! ill tbh.  

@poppy811 I did look into setting a spending limit; can do it on my current acct debit card but seems not the case on the bc card despite both being Barclays.

@katsu thank you; tbh I think she needs to do it convinced she thinks money grows on trees ha.

I'm trying to not allow myself to get caught up in spending. Try to check out of the who's buying what etc. conversations tbh it hurts and I think a few of my staff probably financially on the edge, idk only speculating but a couple I worry about a bit tbh had the I've turned boring conversation with a few. Reminders all the time and possibly some selfish reasons behind working towards changing the culture at work and how I approach people and situations. 

@RelievedSheff thanks mate. I needed to change a lot about the way I was living my life, was risking the lot and it's not worth it.

@Humdinger1 I know where you're coming from and can relate tbh. 

@getmore4less I spoke too soon re sleep unfortunately mate. Lot of times recently I've been going to bed ridiculously early think if I'm in bed I won't wind up getting up again to !!!!!! things for myself odd logic probably lol but kept me from slipping during hard times recently. Should ultimately aim for a set bedtime/ wake up I know. 

My Mrs has propped me up through some awful times and she's still here with me, means everything tbt. Sometimes winds me off the !!!!!! clock but that's life lol. Just have to look out for each other. I actually think she'd like that re plan review mate thanks, going to give that a go. She likes being involved with trips etc. didn't realise until we went to Greece last year but she's really started to take a bit of responsibility for that. 

Nice to be ahead with garden, we are ahead a bit too this year first time ever.

getmore4less

Posting now to show that it is not just you with crazy sleep patterns.

I have the luxury I can go back to bed and sleep through a bit.

If Fridays are getting tough with the "are you coming out" might be time to do 1/2 days

Good idea with the review looking at the trips, if wife can manage those budgets that would be good and if she thinks of things to do you can review together where you can squeeze some extra.

This year is probably the first where you have these plans mapped out and looking forward to them.
Are PIL doing the CP trip again this year?


Broke one of my spend freeze issues last night and paid final on a holiday a month early to get it out the way.

RelievedSheff

We spent some time in the garden yesterday as well. The weather was just right for it and the breeze had dried out the grass enough to get the first cut on it. It felt nice to be out in the garden and giving it a pre spring tidy up. Been making plans to get the vegetable seeds planted. We are not doing anything fancy this year, just sticking with what worked well last year. Mostly beetroot, carrots and chillies. 

ladyholly

Glad you got in the garden, I didnt as it was raining on and off and if I had gone out in the dry spells it woukd have started just as I got stuck in.

Iamouttheotherside

I agree with @getmore4less you need to start finishing early on a Friday.  As the sun gets warmer and nights get lighter its easy to fall into the Friday evening drinks.  
Get your wife to pick you up at midday every Friday and go and enjoy a nice lunch together, so you can both be reminded of what is important at the weekend, and also enjoy the warmer weather without putting yourself in any risk to screw everything up.

alt80

Today’s cal ‘find ways to enjoy any chores / tasks you have to do’. Not going to be too difficult today tbf. Plan to spend very little, just have food delivery which tbh I don’t really think is a ‘spend’ unless planning something particularly extravagant and way over what you’d normally spend I suppose.

@getmore4less your sleep patterns really are all over the place mate. Tbh I’m keeping my phone / iPad away from my bedroom sometimes do get back to sleep through boredom I think sometimes ha. 

Probably time for me to work from home or 1/2 day as you say. It’s far from all my staff, just a few of them most of which like more than a drink. No good for me to be around I know that 100%. 

This year definitely first we have plans mapped out and looking forward to them. Wife always liked going away I couldn’t drag myself away from home. Start to really realise what my addiction took from me tbh nothing that great around here that makes it worth staying over going away with my wife and family. She is enjoying the trip planning and I know she’d like a bit of help actually good to think of it from a budget point of view - could wind up getting more value planning ahead. Thanks mate. 

CP trip is happening again should be my turn to pay but they’ve once again refused to let me. Really looking forward to it tbf. 

Ha that’s something you do differently to me re holidays I generally pay up at the point of booking and it’s off the in principle budget and in the credit card sheet. Doesn’t matter ultimately tbf I still have the card to pay back I know. 

@RelievedSheff It’s a lovely day here again. We haven’t got much done in the garden tbh though beetroot and carrots are on our list as well as lettuce / rainbow chard, strawberries and tomatoes which I’m not sure will go well. What were the chillies like? 

@ladyholly thought the sun was always shining in the south lol. 

alt80

@Iamouttheotherside 100% agree tbh your idea of Friday sounds really pleasant wife would love it, son would like being picked up from school and tbh I’d really enjoy that too. Sat here whilst on the phone waiting on hold thinking about booking something now for Friday lunch now haha. 

Humdinger1

@alt80 ideal! Is it former  'friend' who turned up on Fri? I know you won't allow him to undermine your huge progress.  That is real success that doesn't depend on loaded parents and an entitled attitude.  Keep going you're doing wonderfully well love Humdinger x

RelievedSheff

Our chillies were great. We planted a selection from really mild to stupidly hot. 

Still got loads in the freezer!!

alt80

@Humdinger1 yeah it was him had to laugh he apparently wanted to start ‘thinking about business again’ but can only do that from the inside of a bar in town fml only time he wants to talk about business is to tell everyone who’ll listen what a !!!!!! legend he is idk see it for what it is now I’ve made a real effort to stop using the !!!!!!. Thank you, things aren’t easy but one day hope I’ll look back and think I got there in the end with some level of success.