Hi and thank you for reading!
I will make this thread a bit of an introduction to me as well and what I hope to achieve. Maybe it will some sort of therapy as well. I was going to start this in January but lets start it now to see what I can do.
First of I am married with 4 kids and the last number of years have been very trying. As result of the property market crash we have been made bankrupt last year. Our house needed a lot of work done to it and we had massive negative equity we were told that going bankrupt was our best option. We were young and naive when getting our house at the time and the companies kept saying you want more money and we said yes. We got ourselves into the position where we had no spare cash left as our mortgage was to high and when the repairs where needed we did not have the money.
We made a slight mistake with our first rented house poor landlord and massive damp but after that year there we moved again and have not firm roots in a new house for the last 10 months and touch wood will be staying in our new house for the foreseeable future. Our new landlord is very attentive and wants "very long term" tenants. Going bankrupt has been a blessing in disguise we now have no credit now!
On the work front I have as stable as a job you can get however I am not happy. My job is layered in bureaucracy and lots of office politics which I do not like. I am not the most social of people and find the social situations pretty awkward. On the internet I am fine though! Every since I started work I have always wanted to work for myself but as you know life gets in the way. I have recently got promoted and with it the yearning to get out of the rat race has increased as my increase in pay is slight but the change of job significant. I am sorry if that if that annoys anyone as know a lot of people are struggling at the moment and here is someone moaning about getting a promotion. :'( I just find the grind of day to day job working for someone else depressing and do feel I need to get out for my own sanity.
My ultimate goal is to be earning enough money to leave my current job and work for myself. Before I get there I have lots of little goals to go. I also believe you need to spend money to make to money and to save money so I am willing to put my hand in my pocket to get things done. Also it is about making my life better to. Currently we are living to each day we get money. We have no backups if something goes wrong so if we miss a payment from Tax credits or my pay check we are struggling for food etc so we need to fix that. With 4 children we cannot go on that situation so I have a plan to get that going.
Going forward the surveys and whatnot I think I get my partner to do as she would have more time to do that. My goal however is start developing a website or something of that ilk as I would need something which is more sustainable and under my control rather than relying on other people. I hope to use this diary to help me fresh out my goals and ideas and encourage everyone to come on board and yell, shout, give encouragement, call me a numpty on this thread.
I have rambled enough so far but we update how I get on and my plans. Hope I haven't bored you and you will join in!
I will make this thread a bit of an introduction to me as well and what I hope to achieve. Maybe it will some sort of therapy as well. I was going to start this in January but lets start it now to see what I can do.
First of I am married with 4 kids and the last number of years have been very trying. As result of the property market crash we have been made bankrupt last year. Our house needed a lot of work done to it and we had massive negative equity we were told that going bankrupt was our best option. We were young and naive when getting our house at the time and the companies kept saying you want more money and we said yes. We got ourselves into the position where we had no spare cash left as our mortgage was to high and when the repairs where needed we did not have the money.
We made a slight mistake with our first rented house poor landlord and massive damp but after that year there we moved again and have not firm roots in a new house for the last 10 months and touch wood will be staying in our new house for the foreseeable future. Our new landlord is very attentive and wants "very long term" tenants. Going bankrupt has been a blessing in disguise we now have no credit now!
On the work front I have as stable as a job you can get however I am not happy. My job is layered in bureaucracy and lots of office politics which I do not like. I am not the most social of people and find the social situations pretty awkward. On the internet I am fine though! Every since I started work I have always wanted to work for myself but as you know life gets in the way. I have recently got promoted and with it the yearning to get out of the rat race has increased as my increase in pay is slight but the change of job significant. I am sorry if that if that annoys anyone as know a lot of people are struggling at the moment and here is someone moaning about getting a promotion. :'( I just find the grind of day to day job working for someone else depressing and do feel I need to get out for my own sanity.
My ultimate goal is to be earning enough money to leave my current job and work for myself. Before I get there I have lots of little goals to go. I also believe you need to spend money to make to money and to save money so I am willing to put my hand in my pocket to get things done. Also it is about making my life better to. Currently we are living to each day we get money. We have no backups if something goes wrong so if we miss a payment from Tax credits or my pay check we are struggling for food etc so we need to fix that. With 4 children we cannot go on that situation so I have a plan to get that going.
Going forward the surveys and whatnot I think I get my partner to do as she would have more time to do that. My goal however is start developing a website or something of that ilk as I would need something which is more sustainable and under my control rather than relying on other people. I hope to use this diary to help me fresh out my goals and ideas and encourage everyone to come on board and yell, shout, give encouragement, call me a numpty on this thread.
I have rambled enough so far but we update how I get on and my plans. Hope I haven't bored you and you will join in!