Thanks guys
Didn't think I'd get time to come on here as having a major breakdown at the minute. Not completely, but am heading there if some of the pressure doesn't lift soon. Felt that it might help to come on here and write it all down and then maybe that will put things into perspective.
House
Got a call last night to say that we have a cash buyer putting in an offer, we accepted, very pleased.
My Parents have £50k in the house and we've had a few conversations with them previously where they've said that they don't want all of it back immediately (my house has fallen in price and we cannot afford it). So was really upset today when my Dad called querying what we were looking at and telling me how they were struggling money wise (we suggested paying them £30k and then £5 per year for 4 years or, if that didn't suit, more per year, but £30k initially) Now I am under major stress, so could have done without Mum/Dad calling me at work to say they want to talk about money. Our buyer wants to exchange by 16th July (we don't want to lose them) so we are looking for something quickly, so I have a lot on my plate.
I told my Dad I thought that he was being a little unfair as we'd discussed this already. He is concerned that I won't be able to afford to pay the amounts each year if we have a family, but I told him I'm not planning on closing the business that I've set up! It does employ people - I won't be shutting a company down because I get pregnant.
Anyway, there's more to it than that, but I resented him saying things like 'I thought you were downsizing' when we our house is worth £200k and we're looking at houses at £150k because I think is a considerable down size!!! I think he was hoping we'd get something at £120k and give them all the money, but we have 3 cats, 1 dog and we want a family soon - we can't move into a flat!
My Parents are very supportive, but I think that was insensitive because I am under an inordinate amount of pressure right now. Dad was very adamant that they don't want to stress me out etc... I have suffered from depression and anxiety in the past and so they are very quick to make sure they don't add to it. I know it's not malicious and they are very generous and after my Dad assured me that they don't expect all the money back, but the damage was done because, after all, wasn't that why he called in the first place? They are very sensitive because I've been stressed, but sometimes I feel like they think I'm an ineffective coper. It's not that I don't cope well it's that I have more stress than most people (I think anyway).
Work
2 major clients are slow on paying their invoices to the sum of over £10k and I need that money. So for the last week I have been frantic. I now employ 2 people, with one more starting next month, so I cannot afford to get so low on cash and I've had to apply for an overdraft. That was taking ages to come through and I was working on a shoe string, panicking that I'd not be able to afford things. Thankfully this morning the O/D showed, so that calmed things a little.
With all of this going on I've used it as an excuse to not focus on the diet. I've done no exercise and I've eaten comfort foods. So that is getting me down. Then I got an infection in my finger when I got bit by my Parents dog (play fight, he wasn't being nasty, but he caught my finger and it was quite deep). So I'm on antibiotics. I also forgot my depo injection and ended up being late with it, so am praying that I've not fallen pregnant.
To top it all off I've been trying to sort out a mortgage today, as we have to find and offer on a house this weekend (that bit doesn't bother me - would rather get it all done quickly). However, when calling my existing mortgage company I've found that as a limited company director who owns more than 20% of the company I have to provide 2 years worth of accounts. I have one year's worth of accounts. I have 2 year's of business, but the Accountants normally do year end accounts after 6 months or so. So I've had to call them to ask them to do it immediately, only to find my accountant is away till Monday. Hopefully not the end of the world and he can do it quickly, but now I'm panicking thinking what if I don't get a mortgage? I can't see why I wouldn't, but it's not so cut and dried when you pay yourself unguaranteed dividends. The house will all fall through without a mortgage, although I suppose we could rent.
ARRGGHHHHHH. Sorry, just felt the need to scream. Then (sorry, am rambling probably) just after dealing with mortgage, financial advisors, estate agents, the person buying this house pitches up outside wondering if he can have another look! He said he didn't want to impose if I was busy, but you can hardly turn them away can you? Plus the house is a tip. Oh well.
Maybe this would all feel a lot better if I was a size 10. One of my people at work has taken to constantly commenting on how slim another colleague is and 'hasn't she got a lovely figure' and I just feel like saying STFU!!!!
Will now catch up with diaries. If you've got to the end of this thanks for reading and sorry if I've depressed you xx
