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  • lucielle
    lucielle Posts: 11,495 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you have a good one. 
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • Merry Christmas I hope Rn2 goes well for
    you all. 
    Gambling Addict - Acting now before it's too late. Gambling losses well over 25k. 

    Current Situation Started Posting in Apil 24:
    Unsecured Personal Debt - June 2025
    Natwest CC 0% - £3000 (Cleared November 2024)
    Lloyds CC 0% £4500 - £1000
    Barclaycard CC 0% £12,567 - £7800

    10/6/24 - 16 MonthsGamble Free - Longest in years. Gambling is an illness. Seek help. It is not worth your life. 
  • RelievedSheff
    RelievedSheff Posts: 12,690 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Happy New Year Alt.

    Hope you all had a good one and wishing you all the best for 2025.
  • alt80
    alt80 Posts: 4,637 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    edited 5 January at 7:06PM
    @warby68 ha I’d probably be a lark if I could get to sleep in the first place. The odd day I manage to sleep before midnight I wake up at 5.30am without an alarm and ready to face the day. Unfortunately I can’t get to sleep in the first place ha.

    @warby68 @Lonelygambler @RelievedSheff  Thank you, too late for Merry Christmas but Happy New Year. We had a great day on the 26th apart from my sister and her husband trying to persuade me to pay for them to come on a trip to Italy with our parents at the same time as boasting about no longer having a mortgage on their home.

    My parents also have decided they want to go on some !!!!!! 4 week trip around Central Europe this summer and it would be ‘good for our son to experience some new countries’ with them (good for me to !!!!!! pay or it won’t happen lol).

    I was meant to not be in the office until tomorrow but I’ve been back at work since the 28th. Things aren’t great between my wife and I because I can’t face paying out of my business to give us a personal surplus of money and we were meant to be planning this coming year but I can’t face the money being spent. I know it’s !!!!!! dumb and I know it’s my fault but I can’t face it. 


  • Willowtree222
    Willowtree222 Posts: 8,194 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I think your mindset has changed significantly and that is what the difficulty is. You know what you want, your wife has a very different view, so is it the conversation and fall out afterwards (feelings of guilt) that you don't want to face? 

    Unfortunately, that conversation will happen and she has surprised you in the past, so might do again. When faced with difficult conversations, I have a script in my head snd keep reverting back to it. 
    X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • alt80
    alt80 Posts: 4,637 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    @Willowtree222 you’re probably right tbf, I don’t want to have a conversation with her just to feel ten times worse and end up where I was a few months ago. 

    FWIW I’d like to have a lifestyle too but can’t deal with the thought of not being able to put my wife and son into a good place once I’m gone. None of us know when that will be but I don’t think I will be around to see my state pension. I did go for a full body scan a few months back and none of the medical pros have told me there are any signs of significant disease. Basically told me that going back in five years would be fine and I’ll leave it two but we still don’t know. I am behind with where I need to be and chances are my wife will probably see 100 and I hope she and my son do. 
  • warby68
    warby68 Posts: 3,135 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Happy New Year @alt80

    I'm sorry you're so stuck about the disposable income. Hiding away working when you aren't even supposed to be at work is a trait of old and not great for your relationships as you know.

    Is it really beyond you to have a 'what the heck' moment for January and just split the 2k between you as a start? Its only my layperson's view but I think you might be putting a lot at risk relationship - wise after doing so well, both of you. We know she spirals when you go off like this. Can the pros help you have a discussion together - I'm not clear whether she knows the strength of your fears for the future? Whatever, I do think you need to get off the fence and engage. Do remember whatever you decide for January doesn't have to be for any longer than that. You can just try something on for size and see what it feels like compared to what you expected it to. You've pushed through similar fears on holidays and driving and engaging with your son and parents again and reaped the rewards. 

    Also you really enjoyed planning your year last time and when it comes to it, your wife chooses holidays over things which is a good sign.

    Try and get back in the game as you have before.
  • backinbusiness
    backinbusiness Posts: 916 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Hi @alt80. I've followed and subscribed to your diary for ages now. You've done so, so well and you should be proud of yourself in the way you've overcome so many challenges. I know it's not been easy. I lost my parents young - I was 14 when my father died and 20 when my mother died. And I'm a proper, functioning (sort of lol), rounded adult. It's also given me a very pragmatic approach to life, but mainly this - worrying about the future only takes from today - that's not to say some essential planning shouldn't happen of course. None of us know what's ahead of us but you have given yourself and your family the very best chance to succeed and enjoy in the here and now. Keep on keeping on - you've got this. Best wishes BiB x 
    DF :grin:
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