See, this is why midwife is insane to advise me that I should be giving up work in good time for the baby to arrive - to prepare me for the exhaustion of labour.
This year is sucking big time financially.
It's the end of november - in order to pay my invoices on time, I have to have enough money in the bank tomorrow to pay them.
My daily takings are not up at all in order to (in fact, they were so low in October, I had no reserves at all) - I have no spare money.
I have to pay 24% interest on the credit card, and that means that although I only spent £200 on it last month, I owe a further £180 in interest (from previous months' balances), and my minimum payment this month is £240.
Which I don't have spare, because all of the christmas stock arrived in October, which means I have to pay it in november, even though I haven't sold any of it yet .
So, I'm putting money in my personal account so that I can build up a balance record so that the bank will give me a loan at 8% (so that I can reduce my monthly payments - ie pay off the credit card with the loan and then pay the loan off monthly), but that means that I'm having to use my personal account to pay business bills, which means I'm not building up enough of a balance to use towards the credit card payment.
on top of this, those people who are buying, are paying by card, so that's going into my business bank account, which is fine, but it means I can't touch it, and I need the cash so that I can put it in my personal account to build up the balance.
And MW says I shouldn't be working.
I think I've already moaned about this..... Who knows when this baby will come! It could be days (in which case, we're fine and covered) but it could be another fortnight! So the suggestion seems to be that I have to employ someone (at this short notice too???) for god knows how long a length of time , which of course makes me soooo less stressed, because God knows where their wages would come from!
then this morning I get a letter from the landlord moaning that they haven't received payment for the buildings insurance, which they insist was due for payment on the 10th september. I'm not entirely sure how this can be accurate because my lease year starts on the 25th october, which I would assume that buildings insurance would be due from - otherwise i'm paying insurance for 35 days before I moved in.
plus, it's a changeable cost, so I have to wait for an invoice to tell me what the amount is, which arrived at the beginning of November - so it's on my list to be paid by the end of November, like with everybody else
Plus I can't sell toys and games through amazon for the pre-christmas period because I didn't sell enough through them in September and october (those being the months when nobody bought anything at all)
So, yeah, I'm doing really well with cutting down on the stress.
