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Moving on with things

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Comments

  • Great updates, hope you and the family have a great christmas
  • ladyholly
    ladyholly Posts: 4,091 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Have a wonderful Christmas. You and Mrs alt have made such huge positive changes in your life. I wish you all the good things for 2026.
  • Humdinger1
    Humdinger1 Posts: 2,668 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Wonderful posts @alt80.  Happy Christmas and onwards to a fab 2026.  Congratulations on your new lives love Humdinger x
  • Lovely post Alt, so glad you're Christmases are much better now for you all. Sounds like your wife's business is thriving and it's doing her confidence the world of good. 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £0
    *Total debt - £7000/£11641.17*


    Savings
    *Sinking Fund - £800/£2500
    *Emergency Fund - £1000/£1000


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • RelievedSheff
    RelievedSheff Posts: 12,725 Forumite
    10,000 Posts Sixth Anniversary Name Dropper Photogenic
    Glad you had a good Christmas. 

    We are getting so as we love a quiet Christmas just us and the dog.

    I doubt we will get that next year though. I suspect we will end up with the family at our new house now we will have room.

    We are still terrible for judging amounts of food. The freezer is full of leftovers 🤣🤣🤣
  • Scott_Weiland79
    Scott_Weiland79 Posts: 294 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    @alt80 All the best for 2026 
  • alt80
    alt80 Posts: 4,677 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    edited 10 January at 8:55AM
    Thanks all, the rest of our Christmas break wasn’t so quiet and why I’m only just wishing everyone on here a Happy New Year.
    We ended up having an unexpected holiday with my parents after they asked us if we were interested in spending New Year in Germany with them. It was fantastic, completely unplanned and something I would have refused to do historically - realise how much I’ve missed out on over the years through not being able to address my problems. My parents are determined to visit some of the places they have either been before years ago or always wanted to go now they don’t have the tie of a business. Both of them still work there 2-3 days a week but my Dad is getting older. He turns 80 this year and it’s at the back of my mind how many more years they’ll be as fit as they are. Breaks my heart how I avoided them for so many years. 

    Back to reality this week with work and school. New year is always a time for reflection; overall my last year has been a really good one. I’m more well in myself than I think that I’ve ever been. For the first time in my life even on the bad days I’ve got a sense of perspective that tomorrow can be better and I’m able to move on from the thoughts that used to rule me. Idk exactly what shifted my mindset but I spent last year fully committing to the pros, putting dealing with my mental health even above my business and family and not working so much. I’ve started to see my Friday lunchtime finish as sacrosanct. However, it is still hard for me to acknowledge my business is not the only good thing in my life anymore. I hid behind it for the many years things were really bad; everything else was falling to bits but at least I was doing alright in business. Idk I finally see what people on here, my in-laws etc were saying when they were telling me that it’s not healthy or good for my family to be like that. Spent far too many years feeling that I didn’t deserve what I always tried to give my staff. 

    Now I’ve got some conflicting priorities - still have some drive in business, want to spend time with my family, make some improvements to some of the fittings within our home (no moving(!) another round of SDLT would kill me, ha) and want to get a grip on the mortgage situation. The last one falls way down. I know that I probably shouldn’t be planning so many holidays and trips away. We still buy more nice things for ourselves than we should too over the course of the year. Most of what we spend on both should probably be diverted to paying off the mortgage I owe on our home but we won’t get time back.

    Idk I’m trying to set new personal financial goals having not really done anything last year apart from set up the overpayment which is set to pay off the additional we drew to pay for the C63 as if it were just a car HP - would have cost a lot more to go with the dealer finance so we did it this way. 2026 is probably not going to be a year I really prioritise throwing money at clearing debt at the expense of living life tbh. 
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