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  • FIRST POST
    • in need of direction
    • By in need of direction 30th Dec 13, 8:05 PM
    • 4,429Posts
    • 24,770Thanks
    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 97
    • in need of direction
    • By in need of direction 12th Apr 17, 11:38 PM
    • 4,429 Posts
    • 24,770 Thanks
    in need of direction
    Stuff dropped off at old office, friend met, bumped into 3 others within 10 mins, books to charity shop, vouchers used, absolutely shattered. Where did my work time come from previously? Today I am grateful for
    Sorting out a misunderstanding with OH
    A free gift from a shopkeeper
    Contact with friends.
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • in need of direction
    • By in need of direction 14th Apr 17, 8:51 AM
    • 4,429 Posts
    • 24,770 Thanks
    in need of direction
    OH is in work today then not back until Thursday. Hopefully we will manage some us time over the break. Our lease car should be available from next Wednesday. While I'm glad to be mobile again, I'm worried about the cost and how having a car at my disposal could make it easier to spend. I'm really not coping well with no income. I know leaving the old job was absolutely right for me. I had thought though that by taking a break I'd be sorting out my head, my life and getting geared up for the next job or assignment. It looks like instead it's sending my anxiety levels through the roof and leaving me hiding under the duvet.
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • parsniphead
    • By parsniphead 14th Apr 17, 8:59 AM
    • 2,001 Posts
    • 12,814 Thanks
    parsniphead
    I guess you just have time to think. When we are working and looking after homes and families its hard to find time to breathe.

    You have done so well and inspired so many people with your journey. I hope you start to feel better soon.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • beanielou
    • By beanielou 14th Apr 17, 9:12 AM
    • 46,565 Posts
    • 165,564 Thanks
    beanielou
    I guess you just have time to think. When we are working and looking after homes and families its hard to find time to breathe.

    You have done so well and inspired so many people with your journey. I hope you start to feel better soon.
    Originally posted by parsniphead
    Agree with this. Xx
    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***
    • in need of direction
    • By in need of direction 14th Apr 17, 10:58 PM
    • 4,429 Posts
    • 24,770 Thanks
    in need of direction
    Today I gave up waiting for someone else to tackle a smallish task and did it myself. Yay! I also cleared out the shredding box and have hopefully retired it. I have a third of one submission due in next wed completed and spoke to my prodigal DS. Still need to tackle dd but knowing this she sloped off to her father's. She's on notice that we will be having the talk tomorrow when she finishes work at 6.
    Today I am grateful for
    A cheap fish based dinner from the local co op
    Starting to make a clearance
    Sorting out things with DS
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • in need of direction
    • By in need of direction 15th Apr 17, 9:44 AM
    • 4,429 Posts
    • 24,770 Thanks
    in need of direction
    So far this morning we have had demands from the dog and sulks from her owner dd. It appears that dd objects to getting out of bed to deal with her dog and so stormed out of the house early to go to work. OH is bemused but has gone to procure the ultimate treat of a cooked breakfast for us. The dog will benefit from the leftovers. I know it's more MSE to cook from scratch but we wouldn't get the variety of ingredients and this will cover lunch and the place we get it from is owned by the next door butcher who uses it to showcase his meat so it's all good. Having said that, for me it's as much about the soda and potato bread as it is about the two types of sausage, bacon, black pudding and the veg roll that OH kindly eats on my behalf. It also comes with two of my five a day.
    Today, if it stays dry for the next hour or so, I will get some of the ivy creeping up my hedge dealt with. I also need to get some groceries at some point and will complete another 3700 character box on my submission. I find things easier when OH is here. I hadn't factored in the difference between being in an office and being on my own. What a numpty!
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • in need of direction
    • By in need of direction 17th Apr 17, 10:58 AM
    • 4,429 Posts
    • 24,770 Thanks
    in need of direction
    Yesterday was a do nothing except read, cook dinner and visit mother day. So far today has been about eating the bacon and mushroom sarnies made by my OH. I do however want to get some computer based stuff and some practical stuff done. I just wish that the rain would stop. Not only does it make garden stuff difficult, it also lowers my mood. Anyhow, time's ashifting and I'm not. Need to get that sorted.
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • parsniphead
    • By parsniphead 17th Apr 17, 11:20 AM
    • 2,001 Posts
    • 12,814 Thanks
    parsniphead
    Oh INOD. Your last two post have made me very hungry. I will never be slim.

    I'm with you on the rain and gardening. Its a pain in the a#@&. I hope you get some sun soon.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • in need of direction
    • By in need of direction 19th Apr 17, 10:00 PM
    • 4,429 Posts
    • 24,770 Thanks
    in need of direction
    Went to my gp this morning. Not great, it feels like if I were a dog, I'd be put to sleep and yet I walked away from sick pay, insurances, etc.

    DD and I both did some gardening today and I called in with my mother. Tomorrow car gets delivered so an early start for a change. Today I am grateful
    That one of my sisters had to decline an invitation to here
    That DD finally got her finger out
    That I managed to access a senior person in officialdom.
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • parsniphead
    • By parsniphead 19th Apr 17, 11:02 PM
    • 2,001 Posts
    • 12,814 Thanks
    parsniphead
    But was the place which offered sick pay and insurance the right place to be? Where would you be now if you hadn't walked away.

    Sometimes we need to do things which may seem crazy but later they were exactly what was needed.

    I hope you start to feel better soon.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • in need of direction
    • By in need of direction 20th Apr 17, 4:01 PM
    • 4,429 Posts
    • 24,770 Thanks
    in need of direction
    there's probably a better way to do this but i'm off to http://forums.moneysavingexpert.com/showthread.php?t=5636785

    thanks for everyone who kept me company, hopefully I'll see you at the new place
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
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