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Hypno's "me, me, me, me, me," diary.....

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Well, the time has come......over 4000 posts in my last diary, coinciding nicely with entry into a new decade - a decade that is to be MY decade......and so it seems appropriate to start the latest chapter in my debt free journey.

The thing is, though, I can think of nothing witty or interesting to say in my opening post, so you will have to be content with the most dullest of dull entries on a dull day in dullsville and provide the wit and wisdom yourselves :rolleyes:

The last 10 years have been a bit crappy, one way or another - in 1999 we discovered the house needed major structural work - the dominant cause of our debt and the beginning of 10 years of immense stress. It has also seen several bouts of serious illness for my daughter, who is now thankfully fit and well, and the death of my dad at the tender age of just 55, which devastated me, but which actually became the turning point in my life and the point at which we really started looking ahead and truly tackling our debts.....which in turn has brought its own delightful stresses and strains.

BUT.......we are getting there. From owing £100k+ at the worst, we now owe under £20k, and are on target to have this cleared in the coming year......:D

This has a cost, though, and that is the amount of stress we put ourselves under in order to make the payments that we do, whilst trying to ensure our children don't miss out on their big trips. OH works all the hours he can, in pretty lowly paid jobs, and I work full time (and then some) in a fab, but very very intense and stressful job. Although my salary is good, OH earns very little, so between us we are still only on an average income, meaning that we need to look further for the income we have needed. This has been by way of taking on extra jobs, cutting back, making the most of the loopholes we find on MSE, and having students stay with us for the last 5 years.

This stress is not good for our health, our mental wellbeing, or our family life.

2009 was the year we started to change things, as each credit card/loan has cleared, we have had that bit more room to breathe. We took the decision, for example not to have a student this year - meaning a loss of net income of £4000, but giving us our home back.

Personally, I need to hold on to my job - I will not find another one like it where we live, and in order to do it well I need to be fit - emotionally, physically, and mentally, and this is the area that I need to work on.

I am very good at allowing clutter into my life on every level - I am working on clearing that clutter, both in my head, and in my home/office/car etc to try and reduce the stress that is unnecessary, and giving me the additional energy (again, physical, emotional, and mental) to do my job to the best of my ability, in the most efficient way possible.

That in turn, will hopefully leave me with more energy to be a good wife and mother, and to create the home space that I so long for - ie a tidier house and a garden we can enjoy.

I am hoping that it will be a positive spiral I am embarking on, a spiral that will take me happily into the next decade, leaving the bleakness and unhappiness of the last 10 years behind.

My immediate priority is to focus on Me........a friend pointed out to me recently that I am the lynch pin of this whole outfit, and although no-one is indispensible in any situation, I do bear the burden of keeping things going/held together, including earning the lions share of the household income, yet I neglect to keep myself in good working order......ultimately that could result in the whole thing seizing up or falling apart, so the focus needs to shift.

So, I know that there are many who have said this before, and it is a theme that comes up on numerous threads on MSE, but I will be starting 2010 with the acceptance that I am important, and I can pay attention to myself in exactly the same way as I pay attention to other areas of my life.

So, I am hoping that this diary really does become all about me me me me me, but not in a self centred sort of way (if that makes sense!).....and that in turn, I can actually keep on top of this bloody housework, get some sleep in from time to time, and be debt free within the next few months.

Sorry it has been such a waffly load of drivel.......:o I'm relying on you lot to liven it up :rolleyes::rotfl:
Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
Life begins at the end of your comfort zone (Neale Donald Walsch)
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Comments

  • benbenandme
    benbenandme Posts: 12,349 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    am I first?? :D
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • Swinstie73
    Swinstie73 Posts: 2,897 Forumite
    Hi Hypno,

    I've seen your other diaries but they've been huge so not had time to read everything, but will keep up with your shiny new one. Great first post *subscribes*
  • benbenandme
    benbenandme Posts: 12,349 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Yay, I was!! :j :j Kettle on?? :D
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
  • ZTD
    ZTD Posts: 24,327 Forumite
    hypno06 wrote: »
    The thing is, though, I can think of nothing witty or interesting to say in my opening post, so you will have to be content with the most dullest of dull entries on a dull day in dullsville and provide the wit and wisdom yourselves :rolleyes:

    :naughty: What you say is always interesting...
    hypno06 wrote: »
    This stress is not good for our health, our mental wellbeing, or our family life.

    2009 was the year we started to change things, as each credit card/loan has cleared, we have had that bit more room to breathe. We took the decision, for example not to have a student this year - meaning a loss of net income of £4000, but giving us our home back.

    Personally, I need to hold on to my job - I will not find another one like it where we live, and in order to do it well I need to be fit - emotionally, physically, and mentally, and this is the area that I need to work on.

    That in turn, will hopefully leave me with more energy to be a good wife and mother,

    I'm not going to point out the implication in that sentence... :naughty:
    hypno06 wrote: »
    and to create the home space that I so long for - ie a tidier house and a garden we can enjoy.

    I am hoping that it will be a positive spiral I am embarking on, a spiral that will take me happily into the next decade, leaving the bleakness and unhappiness of the last 10 years behind.

    My immediate priority is to focus on Me........a friend pointed out to me recently that I am the lynch pin of this whole outfit, and although no-one is indispensible in any situation,

    That's not actually true...most times if the indispensable one goes, the situation has to change. Sometimes *everyone* is indispensable...
    hypno06 wrote: »
    I do bear the burden of keeping things going/held together, including earning the lions share of the household income, yet I neglect to keep myself in good working order......ultimately that could result in the whole thing seizing up or falling apart, so the focus needs to shift.

    So, I know that there are many who have said this before, and it is a theme that comes up on numerous threads on MSE, but I will be starting 2010 with the acceptance that I am important, and I can pay attention to myself in exactly the same way as I pay attention to other areas of my life.

    That's good news.
    hypno06 wrote: »
    So, I am hoping that this diary really does become all about me me me me me, but not in a self centred sort of way (if that makes sense!).....and that in turn, I can actually keep on top of this bloody housework, get some sleep in from time to time, and be debt free within the next few months.

    Sorry it has been such a waffly load of drivel.......:o I'm relying on you lot to liven it up :rolleyes::rotfl:

    Happy new diary... :kisses3:
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
  • what a great name for a diary! i was going to start one on here and even contemplated a similar name :D

    I just wanted to say, GOOD FOR YOU. I have had a very full on 2009, and while I dont work as many hours as you or juggle as big a debt or any children, I have promised myself a year of pleasing myself a lot more and not feeling so obliged to everyone or so guilty if I cant fit in with what they want.

    I also recognise the need to look after myself a bit better, its just me paying the bills and minding the house etc and no one else to take care of me so best I get on and do it myself. Being stressed about things is getting me nowhere so this will be the year where I take lots of deep breaths and work out what/who is important and direct my energies appropriately.

    the rest of them can go whistle.

    good luck and happy happy new year! a brand new year just for us hurrah! :T
  • A new diary, a new decade and a new approach, sounds excellent Hypno, you need to take care of yourself for definite, you have worked hard enough long enough.

    Love Buffyxx
    Nevertheless she persisted.
  • I could always bring the smutty brigade over Hypno ;)..but in all honesty you don't need livening up as you are a major source of inspiration for us all. Roll on 2010!

    Happy New Diary..*brings over lucky lump of coal* :)
    Blackadder: Am I jumping the gun, Baldrick, or are the words 'I have a cunning plan' marching with ill-deserved confidence in the direction of this conversation?
    Still lurking around with a hope of some salvation:cool:
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI hypno - picked the right day to catch up again on your diary! I am so pleased that you are going to nurture yourself this year. It is the one job we can't afford to leave to others - nurturing from others should be seen as a bonus not a substitute for looking after ourselves -that way we can appreciate others for who they are rather than what they can do for us - if that makes sense! Anyway - congrats on the next phase!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • rictus123
    rictus123 Posts: 2,560 Forumite
    1,000 Posts Combo Breaker Name Dropper
    Lol brilliant post. You have helped me out around the forum. To me, that is priceless, enjoy hogmanay, make your dreams happen in 2010 :D
    Work in progress...Update coming July 2012.
  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Yay, I was!! :j :j Kettle on?? :D

    Yup, and Christmas chocolates still needing decluttering.....:D
    ZTD wrote: »

    Happy new diary... :kisses3:

    Thank you, oh wise one!
    little_h wrote: »
    the rest of them can go whistle.
    An attitude I am very much looking forward to adopting :cool:
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
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