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  • FIRST POST
    • in need of direction
    • By in need of direction 30th Dec 13, 8:05 PM
    • 4,064Posts
    • 22,750Thanks
    in need of direction
    Trying to get on track
    • #1
    • 30th Dec 13, 8:05 PM
    Trying to get on track 30th Dec 13 at 8:05 PM
    I've been browsing for some time and am mightily impressed by all that is achieved by the members. In some ways, I'm incredibly fortunate with both me and my OH being in reasonably secure, reasonably well paid jobs. Apart from a credit card that we generally clear ten months of the year, we have a mortgage that has just dipped below £120k for the first time. The issue for us appears to be that as our disposable income increases, so does our spending. I haven't made any pension provision for a number of years, we don't have savings and, at 45, I realise that the plan to be on track with mortgage pension and savings by age 40 isn't going to happen. I have also had various health issues over the past 5 years and want / need to draw a line in the sand and tackle things moving forward. Today, inspired by various threads, I gathered up various pots of change from around the house, rounded up and made a £40 overpayment to my mortgage. I also decided it was time to stop lurking and to go public with my plans, progress or lack thereof. Over the next month, I hope to crystallise my thinking and to start setting some targets. Until then, be prepared for the ad hoc drivel. Thanks for taking the time to read.
    Last edited by in need of direction; 30-03-2014 at 12:41 PM.
Page 89
    • Munchin
    • By Munchin 19th Sep 16, 7:57 AM
    • 1,886 Posts
    • 5,434 Thanks
    Munchin
    Hi INOD

    Have a wonderful relaxing holiday

    M
    • Seasidegal58
    • By Seasidegal58 19th Sep 16, 11:24 PM
    • 499 Posts
    • 2,494 Thanks
    Seasidegal58
    Hi INOD

    I've been off the boards for some time but have just read your diary from the beginning of the year. I am so sorry about your sister - you've had such a rollercoaster time but things seem to be looking up now.

    I'm glad to read that you are utilising "Couch to 5k" Keep it up! I've had the app on my phone for some time now and all I do is stare at it...............

    Have a great holiday x
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 2/15
    • in need of direction
    • By in need of direction 20th Sep 16, 11:02 AM
    • 4,064 Posts
    • 22,750 Thanks
    in need of direction
    Thanks for the good wishes. I'm currently en route to holibobs as we speak with the usual last minute gallops. Part of my plan while away is to work on future finances as it's too easy for drift to creep in. Today's bombshell was an email to say a staff member had resigned. However, work mode is being switched off, it'll all be there when I get back.
    Today I am grateful for
    Dd's safe return from ny
    Friends
    Good health throughout the family
    Mortgage at 01.01.14 £119,481.83 today £86,391.14 yr1 target met 11.57% cleared
    Current target pay £26,805.30 by 31.12.2016. more than £14660.82 54.69% paid to date

    Emergency fund £3.8k & £200 cash. Mortgage offset fund £6237.54.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • doingitanyway
    • By doingitanyway 20th Sep 16, 11:31 AM
    • 1,044 Posts
    • 4,238 Thanks
    doingitanyway
    Have a good holiday INOD. Put work and any other issues aside and come back refreshed and ready to do battle
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 20th Sep 16, 3:09 PM
    • 44,888 Posts
    • 155,585 Thanks
    beanielou
    Love today's grateful list.
    Happy holibobs
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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***
    • misstara
    • By misstara 20th Sep 16, 7:44 PM
    • 1,901 Posts
    • 12,567 Thanks
    misstara
    Enjoy your holiday INOD
    Debt at LBM Jan 2014 £10458.09 Now £485.11 (95.4% paid)
    New flat debt Nov 2016 £1252.44
    Mini Targets
    Exercise target - 2/12. Groceries target £25.59/£135. NSD target 4/15.
    • in need of direction
    • By in need of direction 4th Oct 16, 9:26 PM
    • 4,064 Posts
    • 22,750 Thanks
    in need of direction
    I'm back. The holiday was good but not as good as expected. Weather was poor and a few other things didn't live up to expectations. Overspent but avoided excess baggage charges by the skin of our teeth. Got home on Saturday to news of a bereavement, followed by another on Sunday and a third today. Hopefully that's the three that things allegedly come in.

    Went into an absolute !!!! storm in work that's giving me itchy feet again. OH believes I should quit but I'm so torn. I received another series of sainsbobs weekly vouchers so have taken advantage of one that means I owe £9 to the mortgage. I also wombled £1 from an abandoned trolley which went into a savings pot.

    I returned to my jog club on Monday and tomorrow have my second last counselling session. I'm trying to stick with the "improvement activities". Fingers crossed that things improve as they feel decidedly unsettled at present. Must go and look at my on line credit card transactions. May need to stock up on Kleenex first.
    Mortgage at 01.01.14 £119,481.83 today £86,391.14 yr1 target met 11.57% cleared
    Current target pay £26,805.30 by 31.12.2016. more than £14660.82 54.69% paid to date

    Emergency fund £3.8k & £200 cash. Mortgage offset fund £6237.54.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 4th Oct 16, 9:32 PM
    • 44,888 Posts
    • 155,585 Thanks
    beanielou
    Why are you torn?
    What do you like about job?
    What do you dislike about the job?
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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***
    • Seasidegal58
    • By Seasidegal58 7th Oct 16, 9:54 PM
    • 499 Posts
    • 2,494 Thanks
    Seasidegal58
    I think beanie's idea of making some lists re. pros and cons of your job is a very good idea...................

    Keep up with the jogging!
    Finally Debt Free! - July 2016
    Scrimpy Goal - Emergency Fund - £10,000
    Currently: £6027.22 (25/11/2016)

    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"

    NST: December 2016- NSDs: 2/15
    • beanielou
    • By beanielou 7th Oct 16, 10:03 PM
    • 44,888 Posts
    • 155,585 Thanks
    beanielou
    Hope you have had a good week & enjoy your weekend
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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***
    • giblet1979
    • By giblet1979 9th Oct 16, 11:55 AM
    • 846 Posts
    • 3,398 Thanks
    giblet1979
    Hi INOD - really sorry to hear that you're having such a tough time, and that your holiday wasn't as good as expected
    Maybe a pros/cons list is a good idea for your job - sometimes the right thing doesn't come up until you're ready to 'move on' mentally
    Gib x
    Debt remaining:
    Mortgage - £122,780 (of £134,600)

    Work overpayment and home improvement loan paid back (£19200)


    • doingitanyway
    • By doingitanyway 12th Oct 16, 7:47 PM
    • 1,044 Posts
    • 4,238 Thanks
    doingitanyway
    You haven't posted much lately although you pop over to my diary sometimes. Anyway I wondered if you are feeling any better. I hate that limbo when I know I need to make a change but can't/haven't done it. It leave me feeling edgy and unsettled. You might be feeling the same? Anyway, thinking of you. Hug. DIA x
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Buffythedebtslayer
    • By Buffythedebtslayer 12th Oct 16, 8:18 PM
    • 14,787 Posts
    • 47,204 Thanks
    Buffythedebtslayer
    Just checking in Lovely, hope all is well XXXXXX
    Saving all the money.............really I am !
    • giblet1979
    • By giblet1979 12th Oct 16, 9:03 PM
    • 846 Posts
    • 3,398 Thanks
    giblet1979
    Thinking of you and sending good vibes x
    Debt remaining:
    Mortgage - £122,780 (of £134,600)

    Work overpayment and home improvement loan paid back (£19200)


    • beanielou
    • By beanielou 12th Oct 16, 9:26 PM
    • 44,888 Posts
    • 155,585 Thanks
    beanielou
    Missing you.
    Hope all as well as it can be at this moment in time.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 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***
    • in need of direction
    • By in need of direction 13th Oct 16, 7:43 AM
    • 4,064 Posts
    • 22,750 Thanks
    in need of direction
    Omg, you lot are so so lovely. Thank you

    I'm ok. Things are hectic and yesterday was my last counselling session so I was kinda focused on that. I'll be back when I can manage something more than inane ramblings.
    Mortgage at 01.01.14 £119,481.83 today £86,391.14 yr1 target met 11.57% cleared
    Current target pay £26,805.30 by 31.12.2016. more than £14660.82 54.69% paid to date

    Emergency fund £3.8k & £200 cash. Mortgage offset fund £6237.54.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • giblet1979
    • By giblet1979 17th Oct 16, 11:16 PM
    • 846 Posts
    • 3,398 Thanks
    giblet1979
    Sending hugs xx
    Debt remaining:
    Mortgage - £122,780 (of £134,600)

    Work overpayment and home improvement loan paid back (£19200)


    • doingitanyway
    • By doingitanyway 18th Oct 16, 8:48 AM
    • 1,044 Posts
    • 4,238 Thanks
    doingitanyway
    Omg, you lot are so so lovely. Thank you
    I'll be back when I can manage something more than inane ramblings.
    Originally posted by in need of direction
    I'm quite partial to inane ramblings as you have probably noticed on my diary. Have a good day
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • in need of direction
    • By in need of direction 23rd Oct 16, 7:00 PM
    • 4,064 Posts
    • 22,750 Thanks
    in need of direction
    it's nearly halloween - work posistion
    and it seems like my life has been on a fast forward since august.

    thanks to all and the work related suggestions. pros and cons are summarised as below

    it's a relatively well paid job for NI.
    it provides me with a v nice co car that, for the first time in 5 co cars, i truly love.
    it's my function that i set up from scratch making apron strings hard to cut.
    i enjoy my work and most of my clients.
    i have some really good colleagues.
    change is a coming

    and the bad bits
    the environment sucks with morale at an all time low
    they take the proverbial
    the hours and pressure can be ridiculous
    the travel
    change is a coming

    a week ago, i'd truly had enough. however, since then the change talked about since May is starting to happen. i'm trying to hang in while creating some boundaries.
    Mortgage at 01.01.14 £119,481.83 today £86,391.14 yr1 target met 11.57% cleared
    Current target pay £26,805.30 by 31.12.2016. more than £14660.82 54.69% paid to date

    Emergency fund £3.8k & £200 cash. Mortgage offset fund £6237.54.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • in need of direction
    • By in need of direction 23rd Oct 16, 7:29 PM
    • 4,064 Posts
    • 22,750 Thanks
    in need of direction
    moneytalk
    so, the credit card bill from the holiday has to be paid at the end of this month and savings have been transferred to avoid any interest. i'm hopeful that between now and the year end, the savings can be upped to where they stood. in his first big effort to generate additional funds, OH opened the HSBC account. they have messed him around to the extent that he doesn't think everything necessary will be in place to effect the transfer by their deadline. not good.

    i continue to use vouchers as much as possible and am building up nectar points and some from swaggbooks, gFk surveys etc towards christmas presents and provisions. i haven't been making the mortgage OPs though as i want to sort out credit card, the quarterly gas bill but also because i donated £100 to a worthy charity. i'd sooner have an extra month on the mortgage than never getting around to making the donation.

    i claimed £40 back from a work healthcare scheme so that's a bit extra coming in too.

    yesterday i did a reconciliation of presents bought to those i need to buy for. while my two parasites are broadly covered off, bar the choc oranges, coins, etc., there's little so far for OH and quite a number of other gifts to buy.

    here's the thing though and this isn't at all meant to sound smug but, in the real world as opposed to my panicstriken planet, we both have relatively well paid jobs, dd starts back to work on tuesday, there's food in the freezer and, while household bills could be trimmed, they are affordable as is the mortgage. so i'm trying not to fret if the cash emergency fund dips.

    today i am grateful for
    a safe home that keeps out the elements
    heat and light
    the means to make a charitable donation.
    Mortgage at 01.01.14 £119,481.83 today £86,391.14 yr1 target met 11.57% cleared
    Current target pay £26,805.30 by 31.12.2016. more than £14660.82 54.69% paid to date

    Emergency fund £3.8k & £200 cash. Mortgage offset fund £6237.54.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
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