Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • ladymay
    • By ladymay 15th Oct 17, 10:13 PM
    • 666Posts
    • 3,201Thanks
    ladymay
    Starting over...
    • #1
    • 15th Oct 17, 10:13 PM
    Starting over... 15th Oct 17 at 10:13 PM
    Hi all!

    It's been a while since I've used this website and forum, largely because I've been living abroad for a few years and BOY have I missed it! For the record, there's nothing remotely like MSE in Ireland and if I was much cleverer I would have loved to have started something similar.

    The reason I'm rejoining the MSE clan is because in 12 weeks time (82 days to be exact) I'm moving back to Devon And while I'm really excited, I'm also extremely nervous to be starting over. I run a successful business here in Ireland that I'm hoping to bring over (but realistically it'll take at least 12 months to get to the same level - I'm a wedding singer if anyone needs one ), and the thought of being a 30-something who is going back to live with her mother is nauseating...

    Financially I have no savings and £1700 on a credit card - I've put all my money into my business, so the plan is to save as much money as I possibly can before I move. I have a lot of work coming up but my day job is also self-employed so budgeting can be difficult while I wait for invoices to be paid.

    I work mostly in the afternoons and evenings so I'm on the hunt for a temp morning or night time job for the next few months, but I'm also looking online for ways to earn a bit extra. I still have my UK bank account so I'm looking at doing the gambling websites using Top Cashback (I hate gambling so stopping after the minimum bet to get the cash back won't be an issue), and I write a bit in my spare time so I might try some of the task-based websites too.

    Well, I think that's it for now. Wish me luck!
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
Page 1
    • Happierdays
    • By Happierdays 16th Oct 17, 8:10 AM
    • 153 Posts
    • 451 Thanks
    Happierdays
    • #2
    • 16th Oct 17, 8:10 AM
    • #2
    • 16th Oct 17, 8:10 AM
    Best of luck ladymay!
    • LadyP01
    • By LadyP01 16th Oct 17, 8:50 AM
    • 84 Posts
    • 220 Thanks
    LadyP01
    • #3
    • 16th Oct 17, 8:50 AM
    • #3
    • 16th Oct 17, 8:50 AM
    Hi lady may wishing you luck on your journey. There's a diary on here Iv forgotten her name but the title has something to do with £60,000 debt. I found her diary very inspirational but she would be perfect for you as she runs her own buisness and had the same issue with waiting for invoices to be paid so she started to give herself a wage. Highly recommend seeking that diary out for yourself.

    Good luck x
    • LadyP01
    • By LadyP01 16th Oct 17, 8:51 AM
    • 84 Posts
    • 220 Thanks
    LadyP01
    • #4
    • 16th Oct 17, 8:51 AM
    • #4
    • 16th Oct 17, 8:51 AM
    Me again... i just found the thread, it's done by a lady called treadingonaymobil and it's called something like £67,000 is a frightening number x
    • ladymay
    • By ladymay 16th Oct 17, 4:30 PM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    • #5
    • 16th Oct 17, 4:30 PM
    • #5
    • 16th Oct 17, 4:30 PM
    Thanks for the good wishes and the recommendation, I'll check that one out

    Stuck under Storm Ophelia today, we've had no power for several hours and we're not meant to leave the house so in addition to losing my gig today I have a touch of cabin fever... I want a cup of tea SO BADLY right now!!

    On the upside it's an enforced NSD...
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • beanielou
    • By beanielou 16th Oct 17, 9:53 PM
    • 48,483 Posts
    • 178,345 Thanks
    beanielou
    • #6
    • 16th Oct 17, 9:53 PM
    • #6
    • 16th Oct 17, 9:53 PM
    Happy shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • ladymay
    • By ladymay 17th Oct 17, 11:08 AM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    • #7
    • 17th Oct 17, 11:08 AM
    • #7
    • 17th Oct 17, 11:08 AM
    LadyP01, I found the diary you suggested. I haven't had chance to read it yet because of the power cut yesterday but I will - thanks for the heads up!

    So yesterday was a barrel of laughs... stuck indoors, cancelled gig, no power, no tea, and because I'm in a temporary living situation I have one book with me that I finished quick sharp! If it wasn't so dangerous I'd have loved to have gone to the coast to see the moodiness of it all...

    Anyway, today is another day and my to-do list is very dull:

    - email a hotel manager to confirm a gig
    - look at TopCashback - I wonder whether I have to be a UK resident to qualify?
    - clean costume jewellery
    - washing
    - clean make up brushes
    - clean bedroom
    - clean bathroom
    - throw out my hoarde of batteries
    - Sort out all the carp and work gear in my car
    - put together set list for wedding on Saturday
    - put together set list for gig tomorrow
    - reply to emails
    - try not to let Netflix scupper my to-do list

    It should be a personal NSD but I have to fill up the car. Just waiting on a few cheques to clear tomorrow and then I can hopefully put a bit of money in my savings to go towards rent next month.

    79 days till I move back home!
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • ladymay
    • By ladymay 17th Oct 17, 8:41 PM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    • #8
    • 17th Oct 17, 8:41 PM
    • #8
    • 17th Oct 17, 8:41 PM
    - email a hotel manager to confirm a gig
    - look at TopCashback - I wonder whether I have to be a UK resident to qualify?
    - clean costume jewellery
    - washing
    - clean make up brushes
    - clean bedroom
    - clean bathroom
    - throw out my hoarde of batteries
    - Sort out all the carp and work gear in my car
    - put together set list for wedding on Saturday
    - put together set list for gig tomorrow
    - reply to emails
    - try not to let Netflix scupper my to-do list

    It's been a pretty rough day...

    Just over three months ago, on our fourth anniversary, my ex proposed to me. 11 days later, he changed his mind, decided he didn't love me and that was that. I had to leave the house and we were done. He has a very well-paid job, and I gave up my own to move to Ireland and be with him. For the past two years I've felt secure enough to put all my money into the business instead of saving (with the idea being that I can save later). I have my own anxiety issues with money that I'm working on, but I'm [I]so angry[I] with him for not only leading me on and dumping me, but for pushing me off a cliff, leaving me to free fall financially, mentally and emotionally.

    And today I found out his sister had a baby. I knew before my ex - his sister was my best friend over here before the break up - with the exception of their mum I knew before anyone that she was pregnant. I minded her daughter, my ex's niece, so she could go to work. I really felt a part of her family. And I don't know how to explain it other than I just feel so sad: about not being part of that fold anymore, and about the fact that that won't happen to me for years now.

    And the whole#metoo thing is bringing up some bad memories...

    I know this is nothing to do with DFW or anything, it's just easier to put all this down when you're anonymous.
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • DebtFreeDuo
    • By DebtFreeDuo 17th Oct 17, 8:47 PM
    • 447 Posts
    • 2,162 Thanks
    DebtFreeDuo
    • #9
    • 17th Oct 17, 8:47 PM
    • #9
    • 17th Oct 17, 8:47 PM
    I'm so sorry to read this, how awful of him to go as far as to propose to you just 11 days before he was going to call everything off. I've had lots of awful experiences when it comes to the world of dating and I'm currently feeling like I just want to be single forever (so not me). You can post anything in your diary, we all have bad days and feel safe to vent to the wonderful anonymous people here.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • ladymay
    • By ladymay 17th Oct 17, 10:15 PM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    Thanks DFD just one of those weeks where everything's getting on top of me...

    I'm being good to myself and giving up on today, Netflix is on and I'm going to try and get a good night's sleep - minus the nightmares

    List for tomorrow:

    - gig
    - figure out if I can claim on Top Cashback while non-resident
    - throw out old batteries (I feel this requires an explanation - I use a cordless mic for a lot of my gigs, so I get through a lot of batteries!)
    - put together set list for Saturday
    - learn new song
    - clean costume jewellery
    - clean bedroom
    - clean bathroom
    - book car hire for UK trip next month (hopefully I'll find a discount code!)
    - research Fiverr - is it worth signing up for?
    - look at other income stream
    - clean out car
    - put filthy, filthy car through car wash!

    It's going to be a fairly spendy day, but four cheques clear tomorrow which will more than cover everything, I filled the car today which will last me at least a week, and with the exception of going to a friend's on Friday for wine and ice-cream I shouldn't have any more outgoings except milk...

    I'm going to bed in a better place than where I woke up
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • DebtFreeDuo
    • By DebtFreeDuo 18th Oct 17, 8:07 AM
    • 447 Posts
    • 2,162 Thanks
    DebtFreeDuo
    Yes always be kind to yourself when you need to be. Top cashback states 'Sorry but TopCashback is for UK residents only, who are registered and living in England, Scotland, Wales or Northern Ireland. Please DO NOT join if you are not a UK resident (even if you use a UK proxy server) as payment WILL NOT be issued.'

    I hope this helps cross one off your list, I'm not sure if it works where you have to cash out thought so potentially you could cash out once you do have a registered address here?

    Batteries - could you buy rechargeable? You can get these quite cheap, I'm sure I bought a charger and 4 batteries for around £15 and they were a good brand and better for the environment.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • ladymay
    • By ladymay 18th Oct 17, 11:09 AM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    Thanks for the info DFD - seeing as I'm moving back in the new year I can save the cash back incentives for then and re: the batteries, rechargeables aren't powerful enough and cause feedback issues when they're used for microphones. I tend to buy in bulk or when they're on special offer at Mr T.

    - gig
    - figure out if I can claim on Top Cashback while non-resident
    - throw out old batteries (I feel this requires an explanation - I use a cordless mic for a lot of my gigs, so I get through a lot of batteries!)
    - put together set list for Saturday
    - learn new song
    - clean costume jewellery
    - clean bedroom
    - clean bathroom
    - book car hire for UK trip next month (hopefully I'll find a discount code!)
    - research Fiverr - is it worth signing up for?
    - look at other income stream
    - clean out car
    - put filthy, filthy car through car wash!

    I'm really chuffed with the car hire deal I got. I found the cheapest 5-door with unlimited mileage and then went on live chat to book through a human, and he gave me a £20 which paid for almost all of my car hire excess didn't even ask for the discount!

    Right, I'm on a roll so back to the list!
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • ladymay
    • By ladymay 18th Oct 17, 9:14 PM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    Well, today has been a lot more positive!

    I got a load of vouchers from Mr T today - all €10 off a €50 spend. That's way over my weekly budget but I might see if I can fill the cupboards and buy all the toiletries I need for the next eleven weeks. I buy a crazy amount of body lotion for my stupid skin so it could save me a fair bit by stocking up.

    I've had a look at Fiverr and I'm still slightly undecided but I'm going to make a profile tomorrow for basic admin and give it a go - database entry, research etc. If that goes well once I set up my bedroom studio after I've moved I can start with session singing and voice over work.

    Task list for tomorrow:

    - chase late payments
    - last round of emails to book final couple of dates left for November and December
    - contact friend who I stored my boxes with and check when I can pick them up, so I can finalise dates for moving
    - invoices for next week
    - create Fiverr account
    - finish catching up with emails
    - throw out batteries - they're all together in a bag in the car ready to recycle next time I go to the supermarket, which hopefully won't be till Monday
    - gig
    - meet with the Musical Society to discuss plans for the Christmas concert

    Busy busy!
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • ladymay
    • By ladymay 19th Oct 17, 1:29 PM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    - chase late payments I got a cheque for one of them through the post today waiting on a call back from the other venue
    - last round of emails to book final couple of dates left for November and December I've decided to scrap that - I'm already bordering on too much singing and the last thing I need is to get sick
    - contact friend who I stored my boxes with and check when I can pick them up, so I can finalise dates for moving He's around on my date of choice - perfect!
    - invoices for next week
    - create Fiverr account I've put up that I'm offering data entry, research, admin and support, let's see if I get anything. Fingers crossed
    - finish catching up with emails
    - throw out batteries - they're all together in a bag in the car ready to recycle next time I go to the supermarket, which hopefully won't be till Monday I'll get this done today because I've run out of tea bags and milk
    - gig
    - meet with the Musical Society to discuss plans for the Christmas concert

    I got an email today saying I have to renew the domain name for my website in two weeks, which I won't bother doing because I have to rebrand under a different name in the UK; a bunch of British wedding companies already use my business name . I get very little traffic from my website anyway - it's mostly social media - but I'm a bit sad to start wrapping up the business here. Ireland has been really good to me, and the break up notwithstanding I've really enjoyed my time here...

    If I get time today I'll make up a batch of veggie bolognese so my dinner are sorted for the rest of the week, and I'm going to do an inventory of all my beauty products and groceries so I can see what I need to buy on my big shop on Monday.

    It's really dark and miserable outside today, but I'm trying really hard to stay positive!!
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • ladymay
    • By ladymay 19th Oct 17, 11:37 PM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    I got a phone call today to say that three invoices have been paid by BACS, so that should reach my account tomorrow or Monday, and another two have been paid today by cheque, so I'll have that money in my account next Friday. Which will mean I'll have my €500 emergency fund in my account, my rent will be ready to go in my savings account, and the rest can go towards getting the ferries booked

    I'm not in a position to concentrate on my credit card debt at the moment, but I'm going to try the payment a day challenge to feel better about myself. £1.82 went onto my card just now doesn't feel like much, but I guess if it's too small to notice it's best used paying off debt.

    I'm trying to not get too anxious about the weekend - I'm so busy with work, friends and volunteering there's no point in making to-do lists. And that's makes me nervous because it's a coping mechanism of mine for when I'm feeling stressed. I might just make a little one for tomorrow...
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • DebtFreeDuo
    • By DebtFreeDuo 20th Oct 17, 8:33 AM
    • 447 Posts
    • 2,162 Thanks
    DebtFreeDuo
    Small payments add up over time so just do what you can for now, making small changes now will help prepare you for when you're more settled. Also if to do lists help you then go ahead and write them, life is difficult enough without trying to do without our coping mechanisms.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • phizzimum
    • By phizzimum 20th Oct 17, 9:29 AM
    • 1,640 Posts
    • 8,918 Thanks
    phizzimum
    Hi Ladymay

    A few weeks ago there was a programme on Radio 4 about the growing trend of having a professional singer at funerals. Not sure how you’d feel about that but it could be a way to diversify your business.

    Was a very interesting programme, wonder if it’s still available to listen to.
    weaving through the chaos...
    • ladymay
    • By ladymay 21st Oct 17, 12:19 PM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    Well yesterday was fun! Gigs with two of my regular nursing home clients, one of my ladies (she's in her 80's) told me "the best way to get over a man is to get under another one" and then I wet to a friends for wine and ice cream - both reduced, of course! I didn't get chance to put in my cheques but the BACS payment went through, so rent for next month is sorted, emergency fund is full and every other penny can start heading to my UK account.

    DFD You're right on both counts - put another quid onto my CC this morning!

    phizzimum thanks for the head up, it's something I'll look into! I'm sure there are agencies that cater for that.

    I made my inventory of stuff to buy while I have my money off vouchers for Mr T, I'll get a big shop done on Monday and another the week after. Hopefully after that point it'll be top-up shops until I move.

    Another nursing home gig this afternoon and a wedding reception this evening. I'm going to watch some Netflix and relax for a bit before work
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • ladymay
    • By ladymay 24th Oct 17, 11:39 AM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    What a busy few days! Very tired, but after my volunteer shift tonight I can get back to a regular sleep pattern for a while

    I managed to get a big shop done and have stocked up on a ton of stuff, I decided to split it into two shopping trips because I have another voucher to use in a couple of weeks. I rearranged the cupboards and definitely have space for some more dry goods!

    I had a look at all my incomings and outgoings in the lead up to my leaving:

    Earnings

    Currently owed on invoices: €1035
    Rest of October: €1000
    November: €985
    December: €3225

    Refund on wedding fairs: €550

    Savings: €460
    Current Account: €590

    Total: 7845


    Outgoings

    Rent: €493
    Groceries: €300
    Car Insurance: €247 (including cancellation charge)
    Breakdown cover: €21
    Fuel: €700
    Mobile: €120
    Car service and misc: €200
    Ferries: €600
    Holiday/ ents/ misc: €600


    Total after outgoings : €4564

    I'm sure I've missed out things but it's good to know I don't have to panic too much about money.

    I have around £1750 on my CC, I just put my data into the minimum repayment calculator and if I pay it back by New Year instead of just my MR standing order, I'll save over £11K in interest So I'll definitely be doing that! It'll mean the new year will be super tight, but I'm moving in with mum already, I may as well make the most of it financially.

    It's a crazy busy week with Halloween gigs and Cork has an international Jazz Festival - roll on 4th November, my next day off!!
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • ladymay
    • By ladymay 26th Oct 17, 11:09 AM
    • 666 Posts
    • 3,201 Thanks
    ladymay
    Hair is in rollers old-school style singing at a wedding drinks reception later today, then helping set up for the Jazz festival and heading out to Pizza Express - I'll buy a glass of wine but I've used some of my club card points for a little pizza boost!

    Only other spends today will be for a new water bottle, mine broke yesterday - full of water of course
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

257Posts Today

1,114Users online

Martin's Twitter