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    • Bobarella
    • By Bobarella 25th Jul 16, 7:16 PM
    • 10,441Posts
    • 69,775Thanks
    Bobarella
    Budget Wars - A New Hope (with apologies to George Lucas)
    • #1
    • 25th Jul 16, 7:16 PM
    Budget Wars - A New Hope (with apologies to George Lucas) 25th Jul 16 at 7:16 PM
    A New Hope is a very fitting title for my first ever DFW diary. For the first time in around 18 months I really have hope. I am one of those people who has always seen September as the start of the year. Because of back to school I suppose. And this year is the first September I can honestly say I am 100% looking forward to in years.

    My situation is complicated but to simplify, I took the enormous step to not only become self employed but to sell my family home to finance my new business in 2011. I turned my back on a very well paid career to go out on my own.
    In that period I have had many challenges. Gone to hell and back owing wages and HMRC. Dont worry the wages were paid back long ago as quickly as I could. And I repaid HMRC.
    The stress of being responsible for other peoples lives is intense if you've never been there. At my lowest point I deactivated my voicemail to avoid the energy company being able to contact me.

    At one point I owed around 40,000 all business related. Primarily on a loan, but some CC.

    Time and again I bashed my head against my mental bars and wondered if I could physically carry on. But I did. Through hell and high waters. Quite literally in fact....

    This last year has not been easy. I worked as the sole employee of my business during my entire pregnancy with DD and went into labour whilst still at work. When my baby was 4 months old I got seriously ill and spent a week in hospital. My lovely FIL was diognosed with the big C 2 months ago. And life has wobbled along precariously as always.

    The reason for my new hope is I finally made a big decision. To stop the business I am running & build another. It wont be easy but it will get me out of the hole I am in & allow me to take on paid employment around the new business. I have 4 days left of my old situation and then good night vienna!

    I love MSE. It and the people of it have been such a comfort. And now I am hoping to use this diary as a place for me to record my baby steps towards a life less stressful, adrenaline filled & chaotic.

    Bob
    Last edited by Bobarella; 25-07-2016 at 7:34 PM.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 56.58 2016-62.28 2015- 84.20)
    RYSAW17 1900 2016 2,535.16 2015 1027.20
Page 100
    • boxofpaws
    • By boxofpaws 16th Mar 18, 7:38 PM
    • 471 Posts
    • 2,130 Thanks
    boxofpaws
    First of all, sorry to all the people whose hopes I have just raised, thinking Bob has posted.

    But Bob, where are you? Please let us know how things are going. We still miss you.

    Paws
    Debt 03/01/17 = 42000
    Debt today = 27,819.22
    • Seasidegal58
    • By Seasidegal58 16th Mar 18, 8:40 PM
    • 2,036 Posts
    • 12,583 Thanks
    Seasidegal58
    Awh... I did think you were back bob.

    But thank you paws for bumping the thread.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- 10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 16/07/2018: 776.27
    MONTHS TO RETIREMENT: 34!
    My diary: Paid off the 31,0000! BUT- still scrimping!
    • Suffolk lass
    • By Suffolk lass 17th Mar 18, 6:53 AM
    • 1,995 Posts
    • 21,185 Thanks
    Suffolk lass
    Me too. Sometimes people come back with a new name. If that happens they can always PM one or two of their loyal forum-friends to tell them
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save 12k in 2018 #53 - after June 55.17% 5,517.10/10,000
    OS Grocery Challenge 2018 spent 1,288.55/3,000 including stores so far 42.95% of my annual budget at the end of June
    My DFD is here
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