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First Steps to Solvency

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  • katsu
    katsu Posts: 5,022 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    @alt80 I've thought of you a lot today and I hope you can talk to the pros. Really talk about your weekend, why you felt you needed it and how you can live your best life.  Not just exist in a joyless struggle or evade your life and your feelings by using substances to blot out feelings/fears.

    You deserve a good home life, you and your son and your wife. I really think you need to get advice on how to best secure that.

    We are worried for you but people are here for you. 
    Debt at highest: £8k. Debt Free 31/12/2009. Original MFD May 2036, MF Dec 2018.
  • getmore4less
    getmore4less Posts: 46,882 Forumite
    Part of the Furniture 10,000 Posts Name Dropper I've helped Parliament
    I had a longer post but have toned it down to one main point as some others have been covered already..

    Your druggy head got you again.

    Every day you should be waking up thinking, what can I do today to be a better dad. 

    You are lucky you have a business where you could be there all the time for your lad when he is not at school or with his mates.



  • Grumpelstiltskin
    Grumpelstiltskin Posts: 5,493 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Alt I have been quiet for a while and you know I say things as I feel them.

    Read  back your latest post and count how many times you said 'I'.

    Is it your addiction or do you really think it is all about you?

    I have never had an addiction so I don't know if it is that but you do seem only to think about yourself and not about your family.

    Don't you see you should be putting them before yourself?

    The world doesn't revolve around you.
    If you go down to the woods today you better not go alone.
  • poppy811
    poppy811 Posts: 540 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    So now we start having the come down .... "pity me, pity me".  Grow up, grow a pair, dust yourself off and admit you've ducked up instead of trying to gain sympathy, because I suspect you won't get much from this board.

    Admit you have an addictive personality, drugs, work, spreadsheets, figures, thats what you need to manage.   

    Your business profits are soaring yet you are getting no benefit from it - ridiculous, what's the point?   Withdraw some money from your business, pay yourself some well earned dividends and pay your debts off, stop thinking you have to grow the business and by doing that it means you can't take a penny out of it!  Thats the debt addiction sorted out.  Reap the benefits of your hard earnings, at present you're not, you're busting your balls and getting nothing in return, you're burning out.

    Start getting another addiction, showing your son about life, what is outside of the NG postcode?  Where has he been for holidays? What countries has he seen, to me it seems like Centre Parts and Greece.    You seem to think if you can put the money into private education he will get the life education he needs - wrong!  It is the schools responsibility to educate a curriculum that every child has, but as a parent it is your responsibility to teach them and show them life and to show them how to be a good adult!

    Aren't you supposed to be going to Greece in the half term/summer? Start planning that!  You earn the money hire a boat and crew for the day, take your family snorkelling.  Plan some island visits, trips, days out occupy your mind that way.

    As for the drugs only you can sort that out, but just remember its your son who will be supporting your wife at your funeral, I am sure it's not a memory you want him to have or maybe the junkie inside doesn't care about that?

    There is a big world out there Alt about time you appreciated it and showed it to your son, instead of thinking "a great weekend" is in a pub snorting a line!  Had to laugh at that you sounded like a right down and out, but I bet you felt like a real big man that night.

    Only you can do this
    Absolutely. Well said
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,062 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I am not sure this diary is about someone trying to get on top of their finances any more so will be reporting this to the forum team on the recommendation it is closed. I hope the OP gets the help they need. 
    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
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  • alt80
    alt80 Posts: 4,641 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    @enthusiasticsaver thank you. I tried to delete earlier but could only edit. 

    Tbh I’m not well at all. I do want to sort my finances and for a time was getting somewhere but I won’t whilst I’m like this, I know that much. 
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