Tag Archives: unlucky

Did I run over a Leprechaun or something??

Well well, after writing my previous blog post about my concerns for November, it just got worse!  Seriously, I have run over a leprechaun or let a posse of black cats cross my path?  As days go, yesterday was not a great day.

Started badly, had a minor toothache for days which increased to the point of emergency dentist visit time.  I hate the dentist anyway but sadly, I couldn’t eat on one side of my mouth so had no choice.  One X-Ray later, absess above a tooth in my jaw.  Oh joy, and the tooth is infected too.  So, this tooth is being removed next week but now I have a bill for the injection and removal, and antibiotics.  Not budgeted for this at all but I need to eat, although ironically I may not have much money left for food!

We move on…..

Knock on the door, cheery postman awaits with a parcel and an apology. “Sorry mate, just pulled your gate off the wall by mistake”.  Brilliant, so my front gate is now hanging off.  Had a look at it, yep it’s totally knackered so need a new iron gate and 2 new holes drilled in the solid brick to fit it.  That can wait though, just means animals can now wander into my front garden at will.

My car was struck from behind at the end of July, finally picked up yesterday.  I was supposed to get a high end car as a replacement however it is a small car.  A very small car.  Sucked this up but went out yesterday evening to a friend’s house and when I left I made a fateful decision.  Rather than take the motorway, I decided to go the back rounds over the hill back to mine.  Decision was based on the fact there had been a minor accident so I went the other way.  Came over the hill and got flagged down by a policeman, apparently I was doing 40 in a 30 zone.  Really?  I didn’t think that car did over 30.  The joke didn’t go down well so I got a fine and speeding points.

Got home, one of the cats has been sick over my fresh bedding.

What is going on eh?   My luck appears to be on a downward spiral, not entirely sure why.  The problem with being in debt is everything seems worse when it happens.  If I wasn’t in debt, a broken gate / dentist bill / speeding ticket would be something you could suck up.  But when you are already struggling, new bills seem 10 times worse.

I love this quote:

The only good luck many great men ever had was being born with the ability and determination to overcome bad luck.

Still trying to remain positive but, come on, give me a break!

making money through luck and persistance

So how can you increase your cash flow, in times of crisis?  Well, as you can imagine I investigated every method possible from selling blood, to male escorting, to playing the lottery and so on.   Of all the things I tried, and had to use, to try and relieve my dire situation one has been quite successful.   Entering competitions..

I started doing this following a chance conversation with a friend of mine, who’s mother had made thousands of pounds from entering competitions and selling the prizes.  I scoffed, as many of us would, because “nobody every wins those things”.  Well, evidently they do!

Here is where I got lucky, I tried a couple of competitions and then amazingly won the first one I entered – a hamper of food.  Well………that saved me a week’s shopping money!   I then won more and more things, the first year I won so many kids toys the cupboards were full ready for Christmas.  I think in the first year of serious debt I saved a fortune of kids toys at Christmas, birthdays and other kids birthdays.  I also won some nice home appliances that I could either keep or sell.  In summary, it worked.

It’s hard work, hour every evening and dedication but what else did I have to do?  Remember I had been kicked out of my home on a ‘trial seperation’.  This was possibly the silver lining, I had so much time on my hands in the evenings and rather than sit there and worry about my marriage and money, I entered competitions.  Hundreds of them.

My most wins was 13 in a month, and the most I made from selling things was just over £1000.   Any amount went to pay off debts.  If I had no debt, my home would be full of the latest items, but they had to go.

It is a pity I wasn’t more dedicated.  Hardened ‘compers’ go the extra mile to win the best things, like cars.  They travel for miles for entry forms, get very creative in competitions that require hours, even weeks, of work.  I just didn’t have the gumption but really, it could win you a car.  Imagine that, a new car you could sell for £7-£10,000.  What a wedge of the debt to pay off!  I actually someone who won a car, by kissing it the longest.  They were allowed a 5 minute break every hour, she did it for 6 days flat.  Fair play, it was a nice car too, a Renault Clio I think, brand new.

I would recommend this though, entering competitions.  Why?  well…they are free to enter with 100% reward.  Yes you may rarely win, but occasionally you win a few at once and even more occasionally they are worth a fair bit of money.

Try it fellow debtors, it really works.

Where did this debt come from?

This will prompt some sneers, “surely this man knows how he got into this hole?”.  Well…partly, genuinely I know some of the history and can see some of the origin of the mountain.  But, equally genuinely, I didn’t see the rest coming…

My first debt is the obvious one, credit cards!  Everyone had credit cards, they were easy to get, and paying the minimum off each month seemed ‘logical’.  I had 2, I still have 2!   The problem is, once you have a credit card you are always behind with money.  You’ve already spent it, but you don’t want to pay it all off or it eats into your pay.  Very immature outlook, but too late to moan about it now, I will just use the experience to discourage my children from having them.

So here is some irony, between 2000 and 2008 I had 3 large bank loans, 2 to buy a car and 1 for a house extension.  I say large, two were under 3k and 1 was 9.5k.  Why the irony, well I not only paid them off, I paid them off early!   Can I get a loan nowadays, nope, not even £500!   I think the loans were a challenge and pride for me, I wanted to pay them off.  I don’t know why I viewed the credit cards differently, probably because they were so flexible.  The loan was a set amount and you HAD to pay it.  And I did.

My debt has built up through 4 reasons:

1. Bad decisions

2. Other people’s bad decisions

3. bad luck

4. HMRC (see blog 2)

The second debt was HMRC, we will explore this many many times.  Built up through inexperience on my part as someone who was self employed, some honest mistakes, some errors from an accountant and some errors from the HMRC.  Either way, it has been left to me.

The third debt, it’s to people I know.  Cue the horrified looks, but these people helped me.   I am still paying them back and they are my priority.  What it showed here was faith.  You see, you are desperate, you try the bank and other lending entities.  You outline your problem, and how you can pay it back.  I think they are already writing NO on the form when you walk through the door.

I will explore each of the 4 reasons above fully in the weeks to come.