Making Small Changes to Create A Big Difference

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  • CathT
    CathT Posts: 7,115 Forumite
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    Hi Yukkibear, glad I found your new diary. Hope the news on the 1st isn't what you fear. I think OP's are hard at the moment, life generally seems to be incredibly expensive. Big holiday sounds fab though and something to look forward to.
    Apr 2024 - part 1 - £30,337 part 2 - £24,811 Total - £55,148 43 months to go!
  • yukkibear
    yukkibear Posts: 5,556 Forumite
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    Well some big news, and more big news from me today. Two big life changing things are happening in the next few months, and whilst I should be a little terrified, I am excited and looking forward to a change in direction and speed of life.

    - I will no longer be employed, but self employed laying out my own destiny from August.
    - We are welcoming a four legged friend into our house around the same time.

    Budgets have been created, and I am hoping there will still be plenty of opportunity to OP the mortgage, albeit in perhaps smaller chunks for a while.
  • yukkibear
    yukkibear Posts: 5,556 Forumite
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    Well here we are two months later. Life is *I think* starting to take it's new shape. Lots has been happening over the last eight weeks.

    - We've had a massive holiday to Disney World
    - I am now self employed rather than employed.
    - We have a four legged addition to the home.

    The budgets have been set and I've been monitoring them for the last couple of months. I can see trends already where the budget has been set too low / high and where we are over spending etc.

    I know already that overpayments will be smaller, but that to achieve the dream then every effort needs to be put into living the life and saving where we can.

    I have started entering competitions again, and my eye is firmly on the ball for bargains and deals to be found.
  • Goldiegirl
    Goldiegirl Posts: 8,805 Forumite
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    It sounds like an eventful time, but all good:)

    In the last few days I've been doing competitions. I've quickly found out that mass competition entries are quite hard work, so I think I'll probably just do a few from time to time when I'm in the right mood.

    A few years ago when I did some comps I did have the odd win, so it is worth doing, if it's something that you enjoy
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
  • BookWorm
    BookWorm Posts: 2,465 Forumite
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    Hey Yukkibear - just stopped by to have a read of your thread.

    What sort of 4 legged friend is the new family member?

    All op's are good whether big or small ;) so don't be too hard on yourself.

    BW
  • newgirly
    newgirly Posts: 8,942 Forumite
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    Hi yukkibear, just spotted your new diary and wanted to wish you luck, I have to ask though what type of pet did you get? :D
    2022 MFW 67 - 33 month challenge to clear mortgage, month 17 completed and and extra 2 knocked off 🙂MFI3 No.12
  • yukkibear
    yukkibear Posts: 5,556 Forumite
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    We've got a Black Labrador, she's so lovely. Mad, but lovely :D
  • lilmissmup
    lilmissmup Posts: 6,884 Forumite
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    Hi YB!

    Best of luck on your goals, I am very determined just not sure we have the funds to do what we want to do.

    Hope you had a fab holiday!
    Now a SAHM trying to earn some spare pennies each month
  • CathT
    CathT Posts: 7,115 Forumite
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    Hi YB, hope the holiday was as fab as it sounds. God luck with self-employment, hopefully you can have that work-life balance. Remember, all OP's make a difference and that is money you NEVER have to pay interest on again!
    Apr 2024 - part 1 - £30,337 part 2 - £24,811 Total - £55,148 43 months to go!
  • yukkibear
    yukkibear Posts: 5,556 Forumite
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    The electric and gas came in £44 under budget for July, so have sent that as an OP today.

    Did the food shopping and Morri's were giving out packets of Disney playing cards for a spend over £40. DD wasn't looking so that's in the present box to start the stocking bits and pieces.

    Oh and I won a bbq :j:j
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