Thursday, 13 November 2008

Glass half empty or half full?


Oh blast it! I've been trying not to write about the crummy credit crunch but I'm one of those people who hovers on the sidelines for ages and then just dives into the deep end.
We are feeling it and feeling it BAD. The banks are not easily coming up with the finance we need to extend our little B&B enterprise. (We need to expand it so the guests even get a look in...our little family has enlarged so as to occupy all the rooms. At this rate we will be living in a caravan and the guests will be the ones living in luxury...)
Under normal market conditions it would be an absolute doddle. I know this because I've been on the other side of the lending line. "Grr. %£*@#@~**********!!!!" As Captain Haddock would so nicely put it. (Blistering ba(nk)rn(deb)acles!)
So here we are now feverishly working on business plans, looking at spreadsheets and pulling out our rapidly greying hair. We seem to spend an amount equivalent to the GBP (Freudian Slip)/ GDP of a small island, The Isle of Man say, (mind you it feels like the Isle of Dogs right now!) every month. We do not live like kings, queens, emperors or even celebrity footballers. More like the Gipsy Kings. Time to get to work with Ebay, boot fairs, recycling, growing our own veg., trying to turn the heating down (aagggh!)...
'Tis a shame I cannot dig up some Roman buried treasure...now where did Dad put his metal detector?
(P.S. Will keep you posted on how this all turns out.)

21 comments:

rosiero said...

I think everyone is having to make adjustments at the moment. I can recommend ebay - I managed to sell quite a lot of extraneous household stuff (old toys and clothes) to put towards Kay's expedition in the summer. Am going to keep going. Do wish you luck for your B&B, though.

The Dotterel said...

Well, there's always Minimus! (PS: that drink looks tempting...)

Dumdad said...

And it's only going to get worse. Oops, sorry, didn't want to depress you! Actually, this crisis will pass as they always do. Hold on and think of England, or something like that. Everyone is being affected one way or another.

Time to sing the Monty Python song Always Look on the Bright Side of Life:

http://www.youtube.com/watch?v=jHPOzQzk9Qo

Maggie May said...

It is affecting us all. Everything is so expensive because of it.
Get out the metal detector quickly. Give me a call if you find anything & I will come up with mine!!!!!

Lindsay said...

Just hang on in there - these times will pass.

nappy valley girl said...

Times are hard, it is very true. I hope it works out.

If you need something mindless to take your mind off it, there is a new series of I'm a celebrity get me out of here starting next week...!

Suburbia said...

If you keep drinking those you might forget it all for a while!!

I hope you get what you want in the end. It's going to be a tight Christmas this year, but hey, there's so much to look forward to,
over cooked sprouts to name but one!

French Fancy said...

Oh Hadriana, things always seem gloomier in the early winter as well. Credit crunches seem to go with the gloom and dark evenings. Nobody talks about them mid-July.

I'm sure a few years back I went to Hadrian's Wall for a long weekend with an ex-admirer. I think it was a youth hostel - but we stayed in the house with the family. Is that anywhere near you?

Expat mum said...

Yes, get digging. They've just discovered a new pyramid in Egypt so there's bound to be a helmet or shield somewhere around there.

Hadriana's Treasures said...

ebay, yes, must investigate it, Rosiero. You are so right. Thank you for your good wishes. When we get the website ready (finally) I will reveal where we are.

The Dotterel, yes, Minimus, is part of the grand plan. So hopefully...nil desperandum et al.
(The drink,as you might have guessed, is a Pimm's. The evocative scent of that heady five-day-Summer!)

By gosh, dumdad, must start singing that! Will have a look!!! (Love it.)

Maggie, we could do some hunting together...You never know...

Thank you, Lindsay, for your encouragement. I am hopeful we can get out of this conundrum.

Nappy Valley Girl, thank you again. Sounds just the ticket!

Suburbia, we are going back to basics this Christmas as well. I am turning into Mrs. Scrooge. (Bah humbug to life in general - not you!!)

French Fancy...there is a youth hostel just down the road from us. Could you give me a few more clues? I might be able to pinpoint it for you. We are very close to Thirlwall Castle, The Roman Army Museum and, not forgetting, the Wall itself, in all of its claggy (muddy) glory!

Hadriana's Treasures said...

ooh expatmum...you've crept in whilst I've been busy replying! I would absolutely adore to find something around here. That said must go and renew my membership with Vindolanda. They might let me have a look there!

Fat, frumpy and fifty... said...

LOL..very funny though true post Haddy!!
We're all in the same boat/boot! and its very glass half empty syndrome in my head, but no one would want to be in it just now!!This too shall pass..is a saying I cling onto...and I believe we can only shape our lives on a daily basis, someone else takes care of the rest...
and he's usually waiting around the corner with a baseball bat..

Sandi McBride said...

Don't know about you but around here the Celebrity footballers live better than your Queen and our Prez...whats up with that? It's a flippin' ball game! Hope the wherewithal comes through for you!
Sandi

East Anglian Troy said...

Some of the stories I've been reading about the terms, fees and rates that banks have been imposing on small businesses have been absolutely outrageous. But I suspect we are not many months away from the bottom of this cursed recession but I know that is little help to you when you have plans ready to put in action.
At least given your location, which I know only reputation rather than by visit, you should have a very healthy B&B business when things do get back to normal. I'd actually made a mental note when reading your earlier blogs, to keep an eye on your B&B developments and then make a surprise booking when travelling by on my way to the Bamburgh area. I've never actually seen the Wall in the flesh (so to speak) but have long meant to do so. I sure you'll have a virtually permanent NO VACANCIES sign showing before too long passes. The glass will soon be FULL.

Hadriana's Treasures said...

FFF...liked the last line about the baseball bat. Marvellous.

Hi Sandi, I think our celebrity footballers live better than our Queen and your Prez too. Thanks for your best wishes!

Hello Troy, thank you so much for the encouragement! Yes..I know what you mean about these flippin' banks (I would use a stronger word but only "off air"). What was that Mark Twain saying?..."they'll lend you an umbrella when it's fine and ask it back when it's raining" or something like that. Utterly and completely right.

We're working on quite a few business ideas so if "we fasten our seat belts...it's going to be a bumpy ride" (good ol' Bette Davis misquoted)...we should be fine. (Touch wood!!)

You're more than welcome to come and stay, Troy, when we're up and running...incognito or otherwise...

lampworkbeader said...

Sounds chilly up there, but it's not much better down south.

Moannie said...

l think you know where to look in the north, bout which I was talking...

Ladybird World Mother said...

Poor you. It's a bummer trying to get money out of banks...I like your Mark Twain quote... so damn true.
There is something quite noble, dont you find, in finding other ways of making money... we (my two middle children and I) have made some simply ghastly candle things, and even worse sparkly reindeers for a Christmas fair tomorrow, here at my house. We will make a grand total of £23.50 if we sell everything, but it cost about £10 to buy everything to make. Profit therefore £13.50. But I will be as thrilled as the children! Mad. Have also collected up all old coins in husband's pockets and all the coats in our downstairs loo etc and made another £9.00 Result!
Hope bank gives you loads of dosh. Sounds like you thoroughly deserve it.

Hadriana's Treasures said...

Welcome lampworkbeader and moannie to my blog! It's pretty cold up here but not too bad (don't want to put you off!)...

Thank you muchly, Ladybird World Mother, well done you on making all those lovely things. I should get the glitter and glue out as my daughter loves that. You've inspired me! (Maybe you could put a good word in for us at the bank... :-) )

French Fancy said...

me again with a bit of info that I remember about this youth hostel. The people who ran it were friends of this ex-boyfriend of mine. Her name was - wait for it - Philadelphia (years before the cheese was famous over here - her sister had an equally bizarre name but I can't recall it). I don't recall the man's name though but I guess with a name like hers, you wouldn't need to know much more.

I know this is like going to the USA and someone asks 'do you know my friend, Mr Brown who lives in London?' But you never know - that is also the case about your current situation. Something might come along completely unexpectedly to make things much better. I do hope so - you seem so lovely.

Hadriana's Treasures said...

You sound very lovely too, Frency Fancy, if you don't mind me saying so...

Philadelphia...I think that name would stand out a mile but I've not heard anyone with that moniker/nomenclature. Wish I did though! We have plenty of Ridleys, Bells, Milburns, Charltons...(all good Reiver names). Hope you enjoyed your stay. It is wild but wonderful up here.