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First Steps to Solvency

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  • getmore4less
    getmore4less Posts: 46,882 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    I hadn't pick up earlier you may be back to eating terrible food again.

    if that is the case no wonder you can't do anything but sit in a chair staring at a screen.

    Prioritise the family things and if nothing left drop the work, a lot you do is not productive anyway.


    I think you may have got into the trap your parents suffered from with their business.
    They could not manage the transition that could have scaled their business,  so ended up just working longer hours for little or no reward.

    Working harder/longer is not the solution it makes it worse and slower.


  • satchmo1
    satchmo1 Posts: 3,225 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    How about the three of you going along to your nearest parkrun, which is every Saturday at 9am (08.50 for briefing, particularly useful for newcomers). It's a 5k course, which you don't have to "run" you can walk, or walk and run, and there's a great atmosphere. There are always "tail runners" who walk behind the slowest person, so no-one is ever left behind.

    They are usually in parks. I used to go until ill health struck. It's a great way to meet new people. Yes, the first one's home are super quick, but my time used to be around 36 minutes and I wasn't the last one home. When I tail-walked it was usually 1hr 10 minutes. I've known 80 year olds, new mums with buggies, blind runners (with a guide), youngsters with autism, a chap recovering from a heart attack, a chap who'd previously broken his back. One parkrun begins the briefing with a poem (Ormskirk), where there's a cafe, loads of people get together afterwards for coffee while the results are being tallied. You get your results by text that day.

    It used to set me up for the day, no matter what the weather.
    What would you get if all you got was what you were thankful for?
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    good luck mate. the slog is hard, but you get used to it and you learn to enjoy the stuff you do and you learn to enjoy more stuff that doesn't tic the boxes right now. I think it was quite early in the diary that I posted about Raymond Chandler - author of the Philip Marlowe detective novels - all set about 70years ago. The quote is about alcohol (this character RW was a black out alcoholic) but I think its true about money saving as well ie replace drinking in the first line with spending
    ― Raymond Chandler, The Long Goodbye:

    RW "Maybe I can quit drinking one of these days. They all say that, don't they?"
    PM "It takes about three years."
    RW "Three years?" He looked shocked.
    PM "Usually it does. It's a different world. You have to get used to a paler set of colours, a quieter lot of sounds. You have to allow for relapses. All the people you used to know well will get to be just a little strange. You won't even like most of them, and they won't like you too well.”

    Maybe you should try reading for a bit of peace and quiet - I like Marlowe strong characters (men and women) but cares for the little guy trying to make it through. But don't use it to isolate - jut chill with your family - a beach trip is always cool - the gower or norfolk beaches - you may need to spend something, but tbh unless you are in Brighton there is only so much you can buy at the seaside
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    you got this - for sure its dark at the moment, but there is always a light at the end of the tunnel, and its not always a train
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • alt80
    alt80 Posts: 4,641 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    Well Monday not been the best start was awake 6am but didn’t get up my boy thinks I’m unwell and is worried about me if I didn’t feel bad enough already. Had to laugh at the mention of scaling my business on here I don’t even care about making more money anymore tbh I don’t spend and I don’t see the point beyond giving my wife more to spend and tbh I’ve not got the energy if she wants to !!!!!! and find someone doing better in life I get that, it’s fair enough really. Do have fleeting thoughts about working towards a new home but most of the time don’t even see the point in that. Scaling up just seems more responsibility to more people and rn seems I’m responsible for too many. Tbh everyone tells me how ‘well’ I’m doing purely because I’m coming up to a year off the coke but my mental health is shredded, life completely !!!!!! empty all I can think about is ensuring I stay away from situations and avoiding shops. 

    I know I needed to stop spending like an absolute !!!!!! madman and couldn’t just carry on refinancing assets indefinitely but where I am rn being the consequence of that fml times I think might as well just relapse have some fun if I didn’t have responsibilities to far too !!!!!! many people.
  • RelievedSheff
    RelievedSheff Posts: 12,691 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    That's just your addiction talking.

    Don't let it beat you!
  • alt80
    alt80 Posts: 4,641 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    @RelievedSheff I can’t let it beat me mate too many people rely on me. 

    Think it was you who said you might earn less but you’re happier and you’re not a debt ridden cokehead too !!!!!! true that ha.
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