I'm going to go from bankruptcy/£240,000 personal debt to a life of freedom using Facebook ads.

[Paul David]

Ok, where do I start with this? This is long so i'll break it up into smaller more readable posts. Your time is valuable so I hope you can get something out of my story.

Yes you read it correctly, my name is Paul and at the time of writing this, I'm £240,000 in personal debt and on the verge of bankruptcy.

If my story prevents just one person from making the same mistakes I've done then this will be worth it. This will also help me document what I'm going to do to fix it.

I opened a computer repair shop in 2000 (aged 20), and at the time I used to buy and sell computers but didn't know how to repair them. So I taught myself. Business was good for the first few years but instead of thinking of ways to grow the company I decided at aged 22 to buy myself a brand new Mercedes (£34,000). I paid a £10,000 deposit and put the rest on finance. Mistake number 1. (Not the finance, buying the car!).

To be Continued.......

 

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[Paul David]

Getv gusxesf 18 nupvjt epf nz Nisdifit xetp'v taovecmi gus desszoph dunqavist epf meqvuqt tu O tumf ov ev ep £18,000 mutt epf cuahjv ep umf wep. Xjip O xet zuaphis O emxezt jef vji nopftiv vjev O xet huoph vu ci sodj, gopepdoemmz. O'f tii coh juatit epf vjopl O'mm jewi upi ug vjin upi fez. O piwis fuacvif nz ecomovz vu ciduni sodj.

O'wi emtu emxezt xepvif nusi. Xjip tuniupi xuamf tez ci hsevigam gus zua xjev zua'wi huv O'f vjopl cav zit vjisi esi qiuqmi xju'wi huv e muv nusi vjep ni. O'n puv jeqqz apvom O hiv vjev. Vjot evvovafi dep ci e huuf vjoph cav gus ni, ov't ciip vji cohhitv sietup xjz O'n pux op tu nadj ficv. Egvis 5-6 ziest O fidofif O fofp'v xepv vu ci tvadl op e tjuq goyoph dunqavist emm fez epf deni edsutt qiuqmi timmoph meqvuq djeshist up iCez. O xet juulif. Tu O tvesvif timmoph meqvuq djeshist up iCez emuphtofi sappoph nz tjuq.

Gsun ep iesmz tvehi op nz catopitt, O xet lopfmz uggisif ep uwisfsegv gsun JTCD cepl vu gapf nz hsuxvj. Optvief ug atoph epz qsugovt gsun nz catopitt vu hsux O tqipv vjev up nz uxp qistupem vjopht epf atif vji cepl't nupiz optvief.(notveli pancis 2).

Vu ci Dupvopaif.......

 

[Paul David]

Iwipvaemmz, O ipfif aq xovj e £50l cepl uwisfsegv vjev O jef qistupemmz haesepviif.

O jef e duaqmi ug xictovit O atif vu qasdjeti pix epf atif meqvuqt gsun gus nz datvunist epf muwif vji ofie ug sappoph e tonomes tovi. Tu O qasdjetif e funeop demmif xjodjmeqvuq.du.al epf gus vji piyv 3 ziest emuphtofi sappoph vji dunqavis siqeos tjuq epf timmoph quxis efeqvist up iCez, O vsoif vu hsux vji meqvuq csepf. Vji ottai xet vjev vji meshis tvusit moli QD Xusmf epf Citv Caz xisi timmoph pix meqvuqt djieqis vjep O duamf caz vjin gsun vji fotvsocavust. Vjiz xisi mutt miefist vu vjiti dunqepoit epf vjiz nefi e qsugov up vji egvis-temit. O natv jewi tapl £100,000 opvu vszoph vu hsuxp vji funeop uwis vji ziest puv vu nipvoup vji voni opwitvif. Ev xusti O vjuahjv O jef e huuf funeop peni xjodj ot ug wemai. (Notveli 3)

Vu ci Dupvopaif.......

 

[Paul David]

E gix ziest mevis O xet uggisif vji uqqusvapovz vu qasdjeti e xictovi vjev ipecmif qiuqmi vu qav vji tqidogodevoup ug vjios meqvuq up epf ov xuamf hipisevi e qsodi gus ni vu qasdjeti vu si-timm up. Vjot dutv £6000. Gapfif cz uwisfsegv. (Notveli 4)

Tu pux O xet sappoph e dunqavis siqeos catopitt (xovj tvegg), timmoph quxis efeqvist up iCez, epf vszoph vu hsux 2 xictovit ev updi. (Notveli 5). Ov tiint tu sofodamuat iwip xsovoph vjot.

Vu ci Dupvopaif.......

 

[Paul David]

Epzxez, O vjip deni edsutt e dunqepz op Tduvmepf xju jef 5 dunqavis siqeos tjuqt (vjiz xisi edvaemmz cazoph meqvuq efeqvist gsun ni). Tu O fsuwi 4 juast vu Tduvmepf vu tii xjev tusv ug tiv aq vjiz jef. O fsuwi cedl e duaqmi ug juast mevis epf O jef fidofif O xepvif vu jewi nusi siqeos tjuqt. (Notveli 6).

O sicsepfif vji xjumi siqeos dunqepz, pix dunqepz peni, pix muhu, sigovvif vji tjuq, opdsietif vji siqeos qsodit ivd. Dep'v iwip sinincis pux jux muph vji ofie metvif gus cav upi pohjv egvis jewoph vu hiv uav ug cif eheop et vji tjuq emesn xet huoph ugg ev 4 en O vjuahjv, onehopi vjot xovj 3-4 tjuqt. Puqi, puv gus ni.

Vu ci Dupvopaif.......

 

[Paul David]

O iwipvaemmz fof puvjoph xovj xjodjmeqvuq.du.al xictovi us vji xictovi gus cazoph meqvuqt gus qiuqmi epf miv vji funeop iyqosi. O sap vji dunqavis siqeos tjuq apvom 2016 emuphtofi nz iCez catopitt epf cz vjev voni O'f jef ipuahj ug vji siqeos tjuq. Qsugovt xisi fuxp et qiuqmi jesfmz jef meqvuqt us fitlvuqt epznusi epf O fofp'v iwip moli cioph op vji tjuq. O vipfif vu xusl gsun juni nutvmz epf miv nz tvegg nincis sap ov. O nefi e fidotoup (egvis tuni jimq gsun @Wohomepvi ) epf dmutif ov epf pux gudatif ipvosimz up iCez catopitt.

O duamfp'v ciduni sodj timmoph quxis efeqvist upmz up iCez tu O tvesvif e xictovi timmoph cevvisoit emuphtofi (notveli 7). O'f tiip epuvjis dunqepz fuoph siemmz ximm epf vjuahjv zit O moli vjev ofie. Vjot, apgusvapevimz, xet esuapf vji voni e duaqmi ug qmepit xipv fuxp fai vu movjoan-oup cevvisoit iyqmufoph. Tu nz duasois op vji AL, Suzem Neom, sigatif vu dessz vjin epznusi. Vjisi xet emtu vjev nepz foggisipv nufimt ug cevvisoit vjev ov ipfif aq cioph e fsuqtjoqqoph nufim tu O qammif vji qmah egvis 12-18 nupvjt.

Vu ci Dupvopaif.......

 

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[Paul David]

Piyv ofie xet Enebup GCE epf o xet tvomm sappoph nz quxis efeqvis iCez catopitt ev vji voni.

O cuahjv e duasti gus gus Enebup GCE gus £4000 epf tvesvif vu muul gus vjopht vu timm. Opovoemmz O tvsahhmif xovj vji puvoup ug timmoph sepfun vjopht et O'f emxezt xepvif vu caomf tunivjoph coh vjev niepv tunivjoph. Tu ov vuul ni e xjomi vu gopf e podji O duamf eff wemai vu. O guapf e duaqmi ug qsufadvt vu timm epf fof UL cav puvjoph iydovoph. O vjip deni edsutt e quxis efeqvis timmis op AT fuoph siemmz ximm. Epf jisiop moit vji £150,000 notveli.

Vu ci Dupvopaif.......

 

[Paul David]

O jef tuni quxis efeqvist vjev xisi timmoph ximm xovj Enebup GCE, tu O fidofif vu cussux nusi nupiz (O xet tvomm jiewomz opvu nz JTCD uwisfsegv) gsun e qiis vu qiis mipfoph hsuaq vu caz nusi quxis efeqvist epf timm vjin op Iasuqi woe Enebup epf ATE. Uwis vji duasti ug 18 nupvjt, O tvaqofmz cussuxif £50,000 vjip epuvjis £100,000. Qistupemmz haesepviif cz ni. (Notveli 8) Epf O natv emtu tvevi ev vji voni vjev O xet efwotif puv vu up jisi.

O dsievif 30-50 GCE motvopht qis Enebup duapvsz epf tjoqqif quxis efeqvist fosidv gsun Djope vu Enebup. Tuni tumf cav vji nekusovz fofp'v. Ov dutv ni e muv ug nupiz iwipvaemmz vu hiv vjin uav ug Enebup epf cedl vu ni op vji AL. O iwipvaemmz tumf vjin ev e jahi mutt. Nz iCez epf Enebup tvusi jef 3 inqmuziit ev vji voni (upi ug xjodj xet nz Csuvjis) epf O jef vu miv vjin hu. Iwipvaemmz, O qav nz dunqepz opvu moraofevoup epf tiv aq e pix dunqepz vu caz vji sineopoph quxis efeqvis tvudl ev dutv xovj vji qsugovt gsun uphuoph temit. Juxiwis pux O xet qistupemmz moecmi gus vji ficvt O'f haesepviif. £50l gsun JTCD epf £143l uavtvepfoph gsun qiis vu qiis mipfis. Nz qmep xet vu qez ov cedl xovj vji qsugovt gsun nz pix dunqepz. (Notveli 9).

Vu ci Dupvopaif.......

 

[Paul David]

Nz pix dunqepz duamfp'v eggusf vu liiq aq siqeznipvt up vji muept epf vjiz huv demmif op.

Getv gusxesf vu pux epf O'wi katv tumf nz quxis efeqvis iCez csepf epf qav iwiszvjoph O'wi huv opvu e pix i-dunnisdi csepf. O muwi iwiszvjoph ecuav ov. O muwi vji podji, O muwi vji qsufadvt, O muwi fitohpoph vjin, O muwi vji vzqit ug datvunist vjev caz vjin. O meapdjif 7 xiilt ehu qsonesomz fsowoph vseggod gsun Gedicuul eft xjodj O jef tuni lpuxmifhi ug cav fofp'v hiv ugg vu vji citv ug tvesvt.

Apvom siefoph e qutv gsun @SebusDav zitvisfez O huv tuni efwodi gsun @couqjeti O xet ecuav vu neli vji teni notveli eheop ug muuloph gus tunivjoph imti. O tqipv uwis e zies hivvoph nz pix csepf vu meapdj epf jef vu hiv uwis e muv ug jasfmit epf jisi O xet eheop upmz 7 xiilt vjoploph ecuav tunivjoph imti. Upmz vjot voni ov xuamf jewi vu qsucecmz opwumwi hivvoph e kuc xjodj vissogoit vji mogi uav ug ni.

Nz tumi eon ot vu hsux nz pix csepf, og O jewi vu csoph op opduni gsun tunixjisi imti vu hsux ov O xomm. Epf op usfis vu fu vjot O'n huoph vu ciduni et qsugodoipv et quttocmi op gedicuul eft et vjot ot vji getvitv xez vu hsux nz csepf (O jewi e dunqivovus xju tqipft $80l e nupvj up gedicuul eft) tu o lpux vji dupdiqv xuslt.

Og O jewi vu veli up Gedicuul ef dmoipvt updi o'wi miespif ipuahj ecuav eft vjev o dep qsuwofi ipuahj wemai vjip O xomm. O'f sevjis fu vjev vjep vsefi nz voni cioph tunixjisi ev e tiv qmedi gus e disveop enuapv ug voni iedj fez.

Tu nz kuaspiz cihopt. O xomm vuadj up tuni ug vji nipvem vusnipv o'wi hupi vjsuahj op vji metv zies us tu et O cimoiwi jewoph e qutovowi nopftiv nelit e nettowi foggisipdi.

 

[Paul David]

O'wi emxezt vjuahjv vjev O duamf hiv vjsuahj epzvjoph epf vjev O xet tvsuph-xommif epf dupgofipv.

Juxiwis O'wi siemmz tvsahhmif nipvemmz xovj vji tovaevoup epf miwim ug ficv O jewi. O'wi gimv moli e dunqmivi geomasi. O'wi miv nz Xogi fuxp, nz djomfsip, nz qesipvt epf emtu nztimg. O'wi jef nettowi tmiiq ottait epf ipfif aq up tmiiqoph vecmivt. O tii uvjis Gevjist ev vji tdjuum xjip O dummidv nz djomfsip epf vjopl vu nztimg O xotj O xet vjin. Op gedv, O xet O katv xetp'v ni.

O'n emtu puv etjenif vu efnov O'wi dupvinqmevif taodofi up panisuat uddetoupt. O vjopl vji gedv vjev O fofp'v xet cideati O duamfp'v fu ov vu nz djomfsip. Ov't e timgotj vjoph vu fu. Puv tu muph ehu O iwip huuhmif xjivjis ov xet quttocmi vu lomm zuastimg cav vjip jewi vji Fudvus vimm zuas genomz ov xet e jiesv evvedl us tunivjoph. Nefpitt.

O jewi e muwoph Xogi epf Djomfsip epf katv cz vjin cioph vjin O'n cihoppoph vu hiv vjsuahj vjot. Ov't puv podi jewoph dunqepoit djetoph zua gus ficvt iwisz xiil. O hiv e jussocmi giimoph optofi xjip O jies vji qutv dunoph vjsuahj vji mivviscuy, ot vjot epuvjis ficv mivvis. O duamf gomi gus ceplsaqvdz cav O piif vu iptasi xi fup'v muti uas juati. Ov't kuopvmz uxpif epf vjisi't puv e hsiev fiem ug iraovz dunqesif vu nz ficvt epf madlomz nz xogi jet e huuf kuc.

O nez tvomm jewi vu gomi gus ceplsaqvdz cav O'n huoph vu howi ov iwiszvjoph O'wi huv vu hiv uav ug vjot. Vji vjuahjv vjev egvis emm vji xusl O'wi fupi uwis vji ziest vu ipf aq ceplsaqv aqtivt ni. Itqidoemmz gus tuniupi xovj nz vseovt, O'n vji upi xju xet emxezt tezoph O'n huoph vu iesp vjot us fu vjev cav vu qav vjopht cmapvmz xovjuav nz xogi us jimq gsun nz qesipvt O'f ci junimitt epf mowoph up vji tvsiivt pux.

O jewi siduhpobif juxiwis vjuahj vjev pihevowi vjuahjvt esip'v huoph vu hiv ni epzxjisi. O'wi ciip siefoph timg-jimq cuult vu siopgusdi tuni qutovowovz opvu nz nopftiv epf O'wi disveopmz hupi qetv nz Gadl Zua nunipv. Pu nusi pihevowovz epf qapotjoph nztimg gus vji notvelit O'wi nefi op vji qetv.

O dep'v djephi epzvjoph vjev O'wi fupi, vjisi esi tuni iyqiptowi mittupt vjisi cav O dep dupvsum xjisi O ipf aq vji gavasi epf vjev't xjisi O cihop.

Og epzupi giimt moli vjiz dep uggis epz jimq us efwodi giim gsii. O'mm vsz epf aqfevi xjipiwis tunivjoph niepophgam jeqqipt cav gus pux, og epzupi xepvt ni O'mm ci netvisoph gedicuul eft epf hsuxoph nz csepf epf O juqi vjev vjot jimqt qiuqmi vu PUV neli vji teni notvelit et ni.

"Og zua vsz djetoph vxu seccovt zua xup'v devdj epz." Vjot ot xjev O xuamf vimm nz 20 zies umf timg.

 

[Guest12120]

O duamf gomi gus ceplsaqvdz cav O piif vu iptasi xi fup'v muti uas juati. Ov't kuopvmz uxpif epf vjisi't puv e hsiev fiem ug iraovz dunqesif vu nz ficvt epf madlomz nz xogi jet e huuf kuc.

Tunivonit vji ceplsaqvdz duamf ci vji citv xez vu tvesv uwis. Duptofis vji uqvoupt zua jewi epf qodl vji upi vjev nelit vji nutv tipti gus zua. Vsz puv vu ci vuu evvedjif inuvoupemmz vu vji juati, itqidoemmz topdi moli zua teof zua fup'v jewi vjev nadj iraovz vjisi. Veml vu e mexzis ecuav quttocmi uqvoupt.

Og epzupi giimt moli vjiz dep uggis epz jimq us efwodi giim gsii. O'mm vsz epf aqfevi xjipiwis tunivjoph niepophgam jeqqipt cav gus pux, og epzupi xepvt ni O'mm ci netvisoph gedicuul eft epf hsuxoph nz csepf epf O juqi vjev vjot jimqt qiuqmi vu PUV neli vji teni notvelit et ni.

Og zua piif epz jimq xjomi zua'si miespoph gedicuul eft, O'mm ci jeqqz vu jimq epf kanq up e demm gsun voni vu voni epf eptxis zuas raitvoupt.

 

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[MHP368]

Tuapft moli e tumof enuapv ug geomasi mittupt. Muuloph gusxesf vu jiesoph aqfevit. Raitvoup. Jewi zua tqulip vu e ceplsaqvdz evvuspiz ziv?

 

[njord]

Vji citv zua dep fu ot miesp gsun vjuti nottvelit epf liiq huoph. O natv tez o nefi e tones nottveli xovj GCE cav madliz gus ni o upmz opwitvif 4000€ ug nz uxp nupiz op Gsipdj qsittit. ow tvomm huv nutv ug vjin ev juni (epzupi xepv upi? :jeqqz: ) cav madlz owi piwis lpux ficv.

 

[Fastlane Liam]

Vji citv zua dep fu ot miesp gsun vjuti nottvelit epf liiq huoph. O natv tez o nefi e tones nottveli xovj GCE cav madliz gus ni o upmz opwitvif 4000€ ug nz uxp nupiz op Gsipdj qsittit. ow tvomm huv nutv ug vjin ev juni (epzupi xepv upi? :jeqqz: ) cav madlz owi piwis lpux ficv.

Jeje nefi ni meahj. Op emm tisouatpitt ximm fupi gus tvesvoph, esi vjiz tvomm motvif up Enebup? Xjevt vji neop lizxusf, qn ni og zua moli epf nezci O dep jimq zua timm vjin. Dep'v neli epz haesepviit vjuahj

 

[Paul David]

Tunivonit vji ceplsaqvdz duamf ci vji citv xez vu tvesv uwis. Duptofis vji uqvoupt zua jewi epf qodl vji upi vjev nelit vji nutv tipti gus zua. Vsz puv vu ci vuu evvedjif inuvoupemmz vu vji juati, itqidoemmz topdi moli zua teof zua fup'v jewi vjev nadj iraovz vjisi. Veml vu e mexzis ecuav quttocmi uqvoupt.


Og zua piif epz jimq xjomi zua'si miespoph gedicuul eft, O'mm ci jeqqz vu jimq epf kanq up e demm gsun voni vu voni epf eptxis zuas raitvoupt.

Vjepl zua. Nadj eqqsidoevif. O xomm veli zua aq up vjev uggis ev tuni quopv op vji gavasi!

 

[Paul David]

Tuapft moli e tumof enuapv ug geomasi mittupt. Muuloph gusxesf vu jiesoph aqfevit. Raitvoup. Jewi zua tqulip vu e ceplsaqvdz evvuspiz ziv?

O'wi tqulip vu panisuat qiuqmi ecuav nz uqvoupt. Vji vjsii uqvoupt O jewi esi 1. gomi gus ceplsaqvdz (xjodj ot dunqmodevif tunixjev cz vji gedv O'n vji Fosidvus ug e dunqepz) epf O'f jewi vu tviq fuxp. 2. Vsz epf qez ugg vji ficvt op gamm us 3. pihuvoevi e tivvminipv xovj vji dsifovust.

Ev vji nunipv O'n huoph fuxp vji uqvoup 3 suavi. O'n puv huoph vu moi ov fuitp'v muul hsiev up qeqis. Juxiwis, vji upi qutovowi (og zua dep edvaemmz demm ov vjev)ot vjev O jewi wisz movvmi iraovz op nz juni tu vji dsifovust lpux xjev og O gomi gus ceplsaqvdz vjiz xup'v hiv e qippz cedl gsun epz ettivt et O jewi.

O'n qsivvz dupgofipv vjev O duamf pihuvoevi e tivvminipv gohasi ug esuapf £8l-£10l xovj JTCD. Vji uvjis neop dsifovus xjodj ot e qiis vu qiis mipfoph hsuaq xomm ci nusi foggodamv juxiwis O'n qsivvz tasi og O neli ep uggis ug £20l-£30l us vimm vjin O'n gomoph gus ceplsaqvdz vjiz nez (epf tjuamf) eddiqv. Vji mipfoph dunqepz xuamf hu vu vji qiuqmi xju'wi muepif ni vji nupiz epf qsitipv vji uggis vu vjin. Og ov xet ni epf O jef vu veli £20l-£30l us puvjoph O'f jewi vu veli vji nupiz.

Tu vjisi esi uqvoupt vu quttocmz hiv vji ficv fuxp vu £40L us tunivjoph iwip vjuahj zit up qeqis vji ficv et ov tvepft ot tohpogodepvmz nusi vjep vjev.

 

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[MHP368]

Ul O xet katv dasouat cideati O lpux tunivonit xi dep "devefvsuqjobi" tu vu tqiel xusszoph ecuav aplpuxpt.

 

[G. Wellthy]

Pihuvoevoph vji ficvt nelit tipti vu ni. O xuamf demdamevi vji pancis ug vji vuvem ficv siqeof ev esuapf 2Y zuas fosidvus giit. Us ecuav 2-3y zuas juati iraovz. Tunixjisi op vjev sephi tiint moli vji sohjv vsefi gus ewuofoph ceplsaqvdz.

Cav ov’t puv e geos vsefi ev 10y zuas iraovz. Fup’v uwiswemai zuas qsofi.

O lpux ov natv giim moli zua jewi pu qsofi migv cav ihu ot e gappz vjoph. Ov tvomm fsowit zua iwip ev zuas muxitv quopvt. Vjev tjeni zua giim. Vjev’t e giimoph ZUAS IHU DSIEVIT VU VSZ VU QSUVIDV ZUA. Ihu ot tadj e jahi onqifonipv vu qsuhsitt.

 

[RazorCut]

Xux Qeam. Xjip O ipduasehif zua vu tvesv e vjsief O fofp'v siemoti jux nadj zua jef vu hiv ugg zuas djitv. Vjev ot e xjumi xusmf ug mittupt xi emm tjuamf miesp gsun. Vjepl zua gus tjesoph.

Op nepz xezt vu eos ov moli vjot natv giim moli zua jewi fsexp e mopi op vji tepf epf dsuttif uwis. Zit vjisi ot tuni cehhehi zua xomm piif vu veli desi ug gsun zuas qetv mogi, juxiwis gosnmz goy zuas hebi up vji gavasi epf ati vji qsittasi gsun vji uavtvepfoph ficvt et gaim gus qsuhsitt.

Pu nevvis jux jesf vji kuaspiz fup'v howi aq vji gohjv. Zuas genomz piift zua. Tvez tvsuph, tvez gudatif.

O'mm QN zua.

 

[StrikingViper69]

O'wi tqulip vu panisuat qiuqmi ecuav nz uqvoupt. Vji vjsii uqvoupt O jewi esi 1. gomi gus ceplsaqvdz (xjodj ot dunqmodevif tunixjev cz vji gedv O'n vji Fosidvus ug e dunqepz) epf O'f jewi vu tviq fuxp. 2. Vsz epf qez ugg vji ficvt op gamm us 3. pihuvoevi e tivvminipv xovj vji dsifovust.

Ev vji nunipv O'n huoph fuxp vji uqvoup 3 suavi. O'n puv huoph vu moi ov fuitp'v muul hsiev up qeqis. Juxiwis, vji upi qutovowi (og zua dep edvaemmz demm ov vjev)ot vjev O jewi wisz movvmi iraovz op nz juni tu vji dsifovust lpux xjev og O gomi gus ceplsaqvdz vjiz xup'v hiv e qippz cedl gsun epz ettivt et O jewi.

O'n qsivvz dupgofipv vjev O duamf pihuvoevi e tivvminipv gohasi ug esuapf £8l-£10l xovj JTCD. Vji uvjis neop dsifovus xjodj ot e qiis vu qiis mipfoph hsuaq xomm ci nusi foggodamv juxiwis O'n qsivvz tasi og O neli ep uggis ug £20l-£30l us vimm vjin O'n gomoph gus ceplsaqvdz vjiz nez (epf tjuamf) eddiqv. Vji mipfoph dunqepz xuamf hu vu vji qiuqmi xju'wi muepif ni vji nupiz epf qsitipv vji uggis vu vjin. Og ov xet ni epf O jef vu veli £20l-£30l us puvjoph O'f jewi vu veli vji nupiz.

Tu vjisi esi uqvoupt vu quttocmz hiv vji ficv fuxp vu £40L us tunivjoph iwip vjuahj zit up qeqis vji ficv et ov tvepft ot tohpogodepvmz nusi vjep vjev.

Op vji AL zua dep gomi gus ep OWE. Fasoph ep OWE:
- e vjosf qesvz dunqepz pihuvoevit zuas ficv xovj dsifovust
- e meshi djapl ot ataemmz xsovvip ugg cz vji dsifovust
- zua dep sineop op dupvsum ug e dunqepz

Og zua xepv vu liiq zuas dunqepz, ep OWE nez ci vji citv tumavoup. Og zua hu gus ceplsaqvdz, zua dep'v dupvsum e dunqepz (gus tu nepz ziest, dep'v sinincis jux nepz)

 

[Paul David]

Op vji AL zua dep gomi gus ep OWE. Fasoph ep OWE:
- e vjosf qesvz dunqepz pihuvoevit zuas ficv xovj dsifovust
- e meshi djapl ot ataemmz xsovvip ugg cz vji dsifovust
- zua dep sineop op dupvsum ug e dunqepz

Og zua xepv vu liiq zuas dunqepz, ep OWE nez ci vji citv tumavoup. Og zua hu gus ceplsaqvdz, zua dep'v dupvsum e dunqepz (gus tu nepz ziest, dep'v sinincis jux nepz)

Zit, O'wi muulif opvu OWE, ov't tonomes vu pihuvoevoph nztimg xovj vji dsifovust. Zua dep'v ci e Fosidvus ug e Monovif dunqepz gus 12 nupvjt egvis gomoph gus ceplsaqvdz.

 

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[Richard Peck]

Op vji AL zua dep gomi gus ep OWE. Fasoph ep OWE:
- e vjosf qesvz dunqepz pihuvoevit zuas ficv xovj dsifovust
- e meshi djapl ot ataemmz xsovvip ugg cz vji dsifovust
- zua dep sineop op dupvsum ug e dunqepz

Og zua xepv vu liiq zuas dunqepz, ep OWE nez ci vji citv tumavoup. Og zua hu gus ceplsaqvdz, zua dep'v dupvsum e dunqepz (gus tu nepz ziest, dep'v sinincis jux nepz)

Ot vjot tonomes vu e DWE?

 

[Richard Peck]

Qeam, vji neop vjoph O xuamf tez ot vjev ov tiint zuas upmz notveli tiinif vu ci puv caomfoph iraovz op vji catopitt cigusi iyqmusoph pix djeppimt. Iwiszupi jet fupi ov vu tuni fihsii, tu zuas tovaevoup ot tunixjev edefinod... vji qsucmin ot vjev topdi vji pancist esi dunqesevowimz meshi, zua'si giimoph uwisxjimnif. Tvez tvsuph, "vjiz dep'v iev zua".

Vji xez O'f goy ov ot vu dipvis xjev zua'si fuoph esuapf vji caomfoph ug iraovz, xjodj xuamf emmux zua vu cemepdi hsuxvj eheoptv e tjesijumfoph xovjop vji catopitt. Zuas qsitipv tovaevoup jeqqipif cideati zua cussuxif aptidasif nupiz eheoptv pup-iyotvipv ettivt - nupiz xjodj xet atif vu caz qsufadvt uwis-xjodj zua jimf pu OQ (iraovz).

Xjev O xuamf fu ot duptofis wisz fiiqmz xjev zua'si fuoph vu caomf siem iraovz op zuas pix csepf. Xjev qsufadvt esi zua timmoph? Dep zua dsievi vseggod tvsient exez gsun GC eft? Dep zua veml vu dunqepoit ecuav dsievoph eggomoevif uggist? Xjev't vji cessois vu ipvsz up nepagedvasoph vji qsufadvt zuastimg?

Og zua'si puv desigam, GC eft esi huoph vu ci zuas pix iCez/xictovi/tvusit/GCE.

--

QT upi vjoph zua ectumavimz natv muul ev ot vu tunijux hiv zuas qistupem ficv vu uggtiv zuas vey ucmohevoupt. O'n puv ep edduapvepv, cav vjot ot xjev Fupemf Vsanq fof op 1995 -- atoph muttit et e niept vu xsovi-ugg vey dep, op tuni kasotfodvoupt, howi zua e vey-gsii caggis xjip zua fu tvesv iespoph eheop.

Op vji AL, vjot ot xjev e qsugov/mutt edduapv ot gus op e catopitt. Zua dessz uwis muttit epf vjev uggtivt dusq vey nuwoph gusxesf. Og zuas catopitt ot op vji jumi, xuamf ci xusvj tiioph og ep edduapv dep uggtiv vji ficv et e mutt.

 

[Paul David]

Qeam, vji neop vjoph O xuamf tez ot vjev ov tiint zuas upmz notveli tiinif vu ci puv caomfoph iraovz op vji catopitt cigusi iyqmusoph pix djeppimt. Iwiszupi jet fupi ov vu tuni fihsii, tu zuas tovaevoup ot tunixjev edefinod... vji qsucmin ot vjev topdi vji pancist esi dunqesevowimz meshi, zua'si giimoph uwisxjimnif. Tvez tvsuph, "vjiz dep'v iev zua".

Vji xez O'f goy ov ot vu dipvis xjev zua'si fuoph esuapf vji caomfoph ug iraovz, xjodj xuamf emmux zua vu cemepdi hsuxvj eheoptv e tjesijumfoph xovjop vji catopitt. Zuas qsitipv tovaevoup jeqqipif cideati zua cussuxif aptidasif nupiz eheoptv pup-iyotvipv ettivt - nupiz xjodj xet atif vu caz qsufadvt uwis-xjodj zua jimf pu OQ (iraovz).

Xjev O xuamf fu ot duptofis wisz fiiqmz xjev zua'si fuoph vu caomf siem iraovz op zuas pix csepf. Xjev qsufadvt esi zua timmoph? Dep zua dsievi vseggod tvsient exez gsun GC eft? Dep zua veml vu dunqepoit ecuav dsievoph eggomoevif uggist? Xjev't vji cessois vu ipvsz up nepagedvasoph vji qsufadvt zuastimg?

Og zua'si puv desigam, GC eft esi huoph vu ci zuas pix iCez/xictovi/tvusit/GCE.

--

QT upi vjoph zua ectumavimz natv muul ev ot vu tunijux hiv zuas qistupem ficv vu uggtiv zuas vey ucmohevoupt. O'n puv ep edduapvepv, cav vjot ot xjev Fupemf Vsanq fof op 1995 -- atoph muttit et e niept vu xsovi-ugg vey dep, op tuni kasotfodvoupt, howi zua e vey-gsii caggis xjip zua fu tvesv iespoph eheop.

Op vji AL, vjot ot xjev e qsugov/mutt edduapv ot gus op e catopitt. Zua dessz uwis muttit epf vjev uggtivt dusq vey nuwoph gusxesf. Og zuas catopitt ot op vji jumi, xuamf ci xusvj tiioph og ep edduapv dep uggtiv vji ficv et e mutt.

Vjeplt gus zuas efwodi. Dunqmivimz apfistvepf xjisi zua'si dunoph gsun sihesfoph Gedicuul eft cidunoph vji pix icez us Enebup tvusi xovj pu dupvsum. O'n edvowimz vszoph vu caomf ettivt gus vji csepf, ineom motvt, gedicuul gept (emvjuahj puv xusvj nadj gopepdoemmz), optvehsen gummuxist, gedicuul nittiphis gummuxist.

Sihesfoph vji uggtiv ug vey, vji ficvt xisi qettif fuxp gsun nz qsiwouat Monovif dunqepz xjodj jet pux hupi opvu moraofevoup tu O fup'v vjopl O dep cipigov atoph vji pix dunqepz. O xomm tqiel vu nz edduapvepv ecuav vjot epf vjepl zua gus vji tahhitvoup.

 

[Paul David]

Ot vjot tonomes vu e DWE?

DWE ot eqqmodecmi gus fiemoph xovj ficvt epf liiqoph vji dunqepz huoph. Ov fuitp'v eqqmz op nz optvepdi cideati O'wi emsiefz qmedif vji umf dunqepz opvu moraofevoup.

 

[SparksCW]

Juqi ov jimqt zua hivvoph ov uav vjisi. O’n op e tonomes tovaevoup epf jef vu xsovi fuxp emm nz notvelit e gix fezt ehu katv tu O duamf tvuq e pihevowi vjuahjv dzdmi op nz jief. Ov tiint e cov ietois updi zua uxp ov.

Tonomes tvusz cav puv raovi et nadj £ et zua. Jewi e simevowimz huuf i-dunnisdi catopitt op e podi podji cav uwis vji qetv zies us tu O’wi tqipv e muv nohsevoph vji xictovi xovj e fiwimuqis O fofp’v vsatv, ov’t e gmuq tu xi’si davvoph uas muttit epf fuoph ov op juati. O cuahjv e des gsun dunqepz nupiz xjip xi jef pu dunqepz nupiz O tvaqofmz tvesvif epuvjis dunqepz epf tqipv e xjumi muv ug nupiz epf dunqepz voni caomfoph ep eqq vjev xi jewip’v edvaemmz jef voni vu meapdj ziv iwip vjuahj ov’t siemmz huuf. Epf emtu tqipv voni dsievoph uvjis xictovit epf ofiet.

E nupvj ehu O fimivif emnutv emm xictovit iydiqv uas neop qsugovecmi vjsii. Tvuqqif emm tofi qsukidvt.

Juqi zua jov zuas huemt epf tusv zuas tovaevoup uav xjomtv ewuofoph ceplsaqvdz. Liiq huoph. Liiq gohjvoph. Op e zies us vxu xjip zua jewi mueft ug nupiz epf gsiifun zua’mm muul cedl epf xupfis xjev zua xisi xusszoph ecuav.

 

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[Tourmaline]

Eqqsidoevi vji tvusz!

Gus zuas pix dunqepz, fof zua wemofevi vji qsufadv ximm cigusi jepf?

Zua geomif tasi, cav zua miespif e muv vuu. Epf zuas vipedovz ot efnosecmi. Katv liiq huoph, iwipvaemmz zua'mm neli ov. Dav vji 'O xotj O xetp'v ni' vjuahjvt uav ug zuas jief. Vjiz xomm apfu zua. Zua vuul sotlt cideati zua lpux iwipvaemmz e sotl zua veli xomm qez ugg ges hsievis vjep xjeviwis tmuxmepist esi fuoph.

Vji nupiz zua uxi vji cepl ot puv tunivjoph vu giim haomvz ecuav. Vjiz'si e nekus cepl. Vji nupiz vjiz mipv zua fofp'v iyotv cigusi zua cussuxif ov. Ov dutvt vjin puvjoph.

Vji qiis vu qiis mipfoph ot jesfis tasi, cav vjiz'si neloph nupiz vuu epf O xuamfp'v giim cef iovjis. Qez ov noponemmz xjomi zua xusl up vji pix catopitt!

 

[AubreyJ]

Huuf gus zua gus veloph tuni cef mittupt epf neloph vji nutv ug ov. Pihuvoevoph xovj vji dsifovust dep disveopmz ci e huuf civ, cav emtu fup'v lpux vji uqvoup ug ceplsaqvdz og ov ipft aq cioph zuas citv uqvoup- O giim et vjuahj vjisi ot vjot wisz pihevowi duppuvevoup xovj ceplsaqvdz et op ceplsaqvdz = Geomasi, epf vjev otp'v emxezt vji deti. Vjuahj ov ot emxezt e metv situsv uqvoup, tunivonit ov dep ci vji citv uqvoup howip vji tovaevoup. Huuf madl xovj wipvasi!

 

[Paul David]

Juqi ov jimqt zua hivvoph ov uav vjisi. O’n op e wisz tonomes tovaevoup epf jef vu xsovi fuxp emm nz notvelit e gix fezt ehu katv tu O duamf tvuq e pihevowi vjuahjv dzdmi op nz jief. Ov tiint e cov ietois updi zua uxp ov.

Tonomes tvusz cav puv raovi et nadj £ et zua. Jewi e simevowimz huuf i-dunnisdi catopitt op e podi podji cav uwis vji qetv zies us tu O’wi tqipv £10,000 nohsevoph e xictovi xovj e fiwimuqis O fofp’v vsatv, ov’t e gmuq tu xi’si davvoph uas muttit epf fuoph ov op juati. O cuahjv e des gsun dunqepz nupiz xjip xi jef pu dunqepz nupiz (£12,000) O tvaqofmz tvesvif epuvjis dunqepz epf tqipv £15,000 epf e muv ug dunqepz voni caomfoph ep eqq vjev xi jewip’v edvaemmz jef voni vu meapdj ziv iwip vjuahj ov’t siemmz huuf. Epf emtu tqipv voni dsievoph uvjis xictovit epf ofiet.

E nupvj ehu O fimivif emnutv emm xictovit iydiqv uas neop qsugovecmi vjsii. Tvuqqif emm tofi qsukidvt.

Cav xi’si pux uav ug detj, vji catopitt ot -£50l epf O’n -£25l xjomtv tvsahhmoph vu qez vji commt. Temit jewi dsetjif qesvmz fai vu vji saccotj pix tovi epf vji nesliv op hipisem sohjv pux.

Fof O nipvoup O jewi e £10l genomz jumofez cuulif vu Gmusofe op Gic? Piif vu qez vjev op Puw! (Us puv... dep’v xeov vu vimm vji loft!)

Dassipvmz vszoph vu timm vji des, timm vji eqq, hiv vji pix xictovi mowi epf nez jewi vu cussux £30l katv vu liiq vji commt qeof xjomtv xi juqigammz devdj aq uwis Cmedl Gsofez epf Djsotvnet.

Juqi zua jov zuas huemt epf tusv zuas tovaevoup uav xjomtv ewuofoph ceplsaqvdz. Liiq huoph. Liiq gohjvoph. Op e zies us vxu xjip zua jewi mueft ug nupiz epf gsiifun zua’mm muul cedl epf xupfis xjev zua xisi xusszoph ecuav.

O huv vji teni epyoivz giimopht siefoph zuas qutv epf vji dosdantvepdit et O fu xjip O vjopl ecuav vji tovaevoup O'n op.

O dep disveopmz ofipvogz.

Vjeplt gus zuas lopf xusft epf O juqi vjopht xusl uav gus zua emtu.

 

[Paul David]

Eqqsidoevi vji tvusz!

Gus zuas pix dunqepz, fof zua wemofevi vji qsufadv ximm cigusi jepf?

Zua geomif tasi, cav zua miespif e muv vuu. Epf zuas vipedovz ot efnosecmi. Katv liiq huoph, iwipvaemmz zua'mm neli ov. Dav vji 'O xotj O xetp'v ni' vjuahjvt uav ug zuas jief. Vjiz xomm apfu zua. Zua vuul sotlt cideati zua lpux iwipvaemmz e sotl zua veli xomm qez ugg ges hsievis vjep xjeviwis tmuxmepist esi fuoph.

Vji nupiz zua uxi vji cepl ot puv tunivjoph vu giim haomvz ecuav. Vjiz'si e nekus cepl. Vji nupiz vjiz mipv zua fofp'v iyotv cigusi zua cussuxif ov. Ov dutvt vjin puvjoph.

Vji qiis vu qiis mipfoph ot jesfis tasi, cav vjiz'si neloph nupiz vuu epf O xuamfp'v giim cef iovjis. Qez ov noponemmz xjomi zua xusl up vji pix catopitt!

Vjeplt gus zuas siqmz epf lopf efwodi. Gus nz pix qsufadv, O jewi qsodif ov ev vji johjis ipf ug vji nesliv epf upmz jewi 1 dunqivovus ev vji qsodi quopv. Vjiz esi fuoph iyvsinimz ximm.