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  • FIRST POST
    • AlexLK
    • By AlexLK 8th Mar 15, 11:07 PM
    • 5,692Posts
    • 29,350Thanks
    AlexLK
    Renovations and Repayments.
    • #1
    • 8th Mar 15, 11:07 PM
    Renovations and Repayments. 8th Mar 15 at 11:07 PM
    Hello and welcome to visitors familiar with my journey thus far and are surprised to see me on such a sensible board and a further warm welcome to the new faces wondering what they've let themselves in for.

    Let me begin by clarifying a few points: the first one is I am not sure whether I'm actually serious or not about clearing my mortgage and the second is the fact my house needs quite a bit of work doing to it. This work I do myself and in the time my wife and I have lived in the house we've learnt all kinds of new skills. The current project involves renewing the windows and I am making the frames myself, two are done and I'm pleased to say look great.

    I plan to use this mortgage free (how very grown up) diary to document the renovations and my savings activities, out of which overpayments may or may not be made. However, I am fully committed to long term saving and making as much money as possible. A long term goal of mine is to add to the BTL portfolio I shall one day inherit and am already becoming more involved in which is perhaps a good reason to pay my mortgage off and make my current property into an investment.

    Aside from the recent interest in moneysaving I have a four year old son, run my own company, play and teach the violin and piano whilst studying for my own interest. Oh and don't mention the cars.

    Those familiar with my debt-free diary will know I'm not exactly great at record keeping but am trying to improve, so please don't expect the detailed financial updates others seem to put on here. To kick things off, I suppose I ought to confess the mortgage debt is a total of circa £185,000 and I have no real timescale or plan in mind to pay it off.

    Sorry if this is not a particularly articulate introduction, as I seem to be at a loss how to tailor it to both those who've read my debt free diary and to new readers frequenting mortgage free.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
Page 155
    • AlexLK
    • By AlexLK 25th Jun 17, 12:35 AM
    • 5,692 Posts
    • 29,350 Thanks
    AlexLK
    June Targets:

    Organise Summer holiday: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3. This is getting closer by the day. I don't even know where the weeks are going at the moment, I seem not to be able to manage my time well and days / weeks are passing me by.
    Debts: Pay £1,500 from the balance (£6,500 ). Paid.
    Total Grocery Spend: £255 / £400.
    11.30pm bedtime: 3/20 Really struggling with this. Was not asleep until past sunrise, managed only to fall to sleep because I was so tired.
    Meditation: 5/21.
    Spreadsheets / Money tracking: Managing to keep on track with this. Still doing well with this aspect.
    De-clutter and Sell: / 3 items.
    Books read for pleasure: 3 / 2, target exceeded.
    Learn something new or refine a skill: 1. Continue learning and applying new knowledge to create more sophisticated and streamlined spreadsheets. 2. Learn a new piece of repertoire.

    I really don't know what's happening to me at the moment. I'm really struggling with time management and establishing any semblance of routine. However, I'm not in a bad place mentally and most things apart from the above are rather good. On the positive side, the one thing I am managing well are the finances / spreadsheets. It seems to have now become a habit and I'm not as concerned about the debt as I was because every time I open Excel I see £1,500 paid for June which I am rather impressed with. Next month will not be so high as we've more expenses to cover but if we can see £1,000 cleared from the card I'll be happy with that. Which reminds me I will update re. fixtures and fittings. So far we are really pleased with it.

    hope your mum is ok Alex!

    My dad bought himself a maserati last year, I don't even know if its petrol or diesel he spends most days driving my mums mini as it's easier! I said he should have got a little red Nissan micra now he's a pensioner
    Originally posted by newgirly
    She's OK. My father isn't, he's concerned that she needs to "slow down". I am too. She's terrified about getting older and told me she'd rather die being active than face becoming confined to a room or two. I understand that but she can be so stubborn and has started taking on things when she knows it would be better to pass on because she (I think) wants to prove to herself she can still do it. I suppose it's probably a common issue with older people who are still physically able.

    Re. your father. However, I find some cars much easier to drive than others. Can't say I'm particularly good with the brakes on a lot of modern cars, on the occasion I drive something new which isn't a Defender I have to really think about not almost putting my passenger through the windscreen. School friend let me have a go in his 430d when he and his girlfriend were up in Bakewell. Girlfriend: "I thought you'd be a good driver having all those old cars" ... that was just after I accidentally pressed the brake pedal as if it were non-servo assisted. I was seriously impressed by the performance for what it was, though. What model is the Maserati, NG?

    Not being a car person Alex I'm not sure I'd know if a Maserati was disguised or not . As for diesel engines, well if I see them cruising down the paseo I'll listen out . (Not sure I'd know the difference )

    Hope your mum's wrist is ok with a bit of a rest - fair play to her though .
    Originally posted by gallygirl


    You don't have to be a car person to be able to hear.

    Mother is OK, still needs to rest at the moment. We are cooking roast tomorrow and my father is making dessert with my son which should be nice. Tonight my son sent my father a recipe on the iPad and they had a brief conversation via message but it appears the rot is starting to set in as he asked if he could have one (iPad).
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • AlexLK
    • By AlexLK 28th Jun 17, 8:51 PM
    • 5,692 Posts
    • 29,350 Thanks
    AlexLK
    June Targets:

    Organise Summer holiday: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3.
    Debts: Pay £1,500 from the balance (£6,500 ). Paid.
    Total Grocery Spend: £290 / £400.
    11.30pm bedtime: Since I last posted, I've been going to bed very early (10.00pm and reading until 10.30pm).
    Meditation: 5/21.
    Spreadsheets / Money tracking: Managing to keep on track with this. Still doing well with this aspect.
    De-clutter and Sell: / 3 items.
    Books read for pleasure: 4 / 2, target exceeded.
    Learn something new or refine a skill: 1. Continue learning and applying new knowledge to create more sophisticated and streamlined spreadsheets. 2. Learn a new piece of repertoire.

    Managed a few early nights which have been good for me.

    Can't quite believe Saturday will mark the 1st July and almost another school year over. My son will be going into Year 2 in September and seems to be growing fast at the moment. He's taken two music exams this week and performed very well, just waiting for the results now.

    No money news as we are just trying to pay the 0% debt off ASAP.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • A Frayed Knot
    • By A Frayed Knot 28th Jun 17, 9:13 PM
    • 2,027 Posts
    • 9,229 Thanks
    A Frayed Knot
    You are doing so well, what a turn around ! ! ! You must be sooooo pleased

    And your son, hope (I'm sure) he will have done very well in his music exams, you must remember just how young he is, although growing up so fast. Time passes very quickly for us (adults), but as I seem to remember when young - couldn't wait to be all grown up.

    Your food budget - I seem to remember you saying something like - you couldn't manage on any less - now just look at it

    I'm Still harping on about
    http://www.boots.com/tisserand-sweet-dreams-aromatherapy-roller-ball-10ml-10085639
    and there is other similar

    10/10 all round
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £2422.71 + Phantom o/ps 2017 -£1367.81 so far
    • shangaijimmy
    • By shangaijimmy 28th Jun 17, 9:27 PM
    • 2,000 Posts
    • 8,495 Thanks
    shangaijimmy
    I'm with you on time flying by. My boys about to leave yr 3 and foundation, when I'm sure we only had them last year!!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • kelpie35
    • By kelpie35 28th Jun 17, 11:35 PM
    • 1,437 Posts
    • 4,467 Thanks
    kelpie35
    I am so pleased that you are getting to bed earlier, I am sure you do feel the benefit from this.

    You should be so proud of yourself regards the shopping budget. Remember any monies left over can go to your debt.

    Hope your son will be pleased with his music results. You and your wife must be so proud of all his achievements.

    Take care
    • armchairexpert
    • By armchairexpert 29th Jun 17, 1:30 AM
    • 503 Posts
    • 3,292 Thanks
    armchairexpert
    My eight year old has been telling me for at least two years that she is the only person in her whole class without an iPad, and yet she seems to survive. (It's also not true!).

    Year One is so young to be sitting exams! I'm sure you'll be proud of him no matter how he does, and with a teacher like you I'm sure he'll do fine.
    MFW diary here. 1 Feb 2017 $229,371 - MFD Feb 2043 aiming for May 2028
    1 June 2017 $221,986.42
    1 July 2017 $223,199.76 - bit of a backslide: leaving the June total here for inspiration!
    • AlexLK
    • By AlexLK 29th Jun 17, 7:11 PM
    • 5,692 Posts
    • 29,350 Thanks
    AlexLK
    June Targets:

    Organise Summer holiday: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3.
    Debts: Pay £1,500 from the balance (£6,500 ). Paid.
    Total Grocery Spend: £310 / £400.
    11.30pm bedtime: Since I last posted, I've been going to bed very early (10.00pm and reading until 10.30pm). Another early night last night and will be going to bed early tonight.
    Meditation: 6/21. Used it to sleep last night rather than getting up.
    Spreadsheets / Money tracking: Managing to keep on track with this. Still doing well with this aspect.
    De-clutter and Sell: / 3 items.
    Books read for pleasure: 4 / 2, target exceeded.
    Learn something new or refine a skill: 1. Continue learning and applying new knowledge to create more sophisticated and streamlined spreadsheets. 2. Learn a new piece of repertoire.

    I've not been very well today but hoping tomorrow will be better. I'm very concerned about my father's future and think that is not helping me at the moment. He has been handling things quite strangely, especially when mother hurt herself; not really knowing what to do and getting unduly stressed about the whole situation. Next week I have to take him to a specialist. Father has suffered from potentially life-threatening ill health before but nothing which has the potential to take him before death. Mother's wrist and shoulder are a lot better, still not ready to finish the job but she's not coping with father being referred.

    You are doing so well, what a turn around ! ! ! You must be sooooo pleased

    And your son, hope (I'm sure) he will have done very well in his music exams, you must remember just how young he is, although growing up so fast. Time passes very quickly for us (adults), but as I seem to remember when young - couldn't wait to be all grown up.

    Your food budget - I seem to remember you saying something like - you couldn't manage on any less - now just look at it

    I'm Still harping on about
    http://www.boots.com/tisserand-sweet-dreams-aromatherapy-roller-ball-10ml-10085639
    and there is other similar

    10/10 all round
    Originally posted by A Frayed Knot
    Thanks, AFK.

    I'll be pleased if my sleeping habits manage to stay this way!

    Time does pass quickly for us but summer seems to last forever to my son. He too wants to be "grow up", of course. He should have done well, I was pleased with his performance.

    Food budget is going well because we are planning and sticking with the plan. I know this was something I didn't think I could do and at times it seems hard to stick to but it is working for us both in terms of time and money.

    I'm with you on time flying by. My boys about to leave yr 3 and foundation, when I'm sure we only had them last year!!
    Originally posted by shangaijimmy
    I am yet to experience my son moving to the next class at school (R, Y1 and Y2 are all in the same class, then Y3-6 are in the same class). I think sometimes the Y3 child(ren) stays in the first class if not ready to move on but my son should be ready at the end of next year. Still, each school year is a milestone for him (and me).

    I am so pleased that you are getting to bed earlier, I am sure you do feel the benefit from this.

    You should be so proud of yourself regards the shopping budget. Remember any monies left over can go to your debt.

    Hope your son will be pleased with his music results. You and your wife must be so proud of all his achievements.

    Take care
    Originally posted by kelpie35
    Thanks, kelpie.

    I will be putting the extra £90 to the debt if we haven't spent it by the end of tomorrow.

    We are both very proud. My wife managed to come to the exam as well, so we had a nice cafe lunch together yesterday which was a treat. Both my wife and I said we enjoy things like that much more now. It means a lot to me that she's getting involved.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • AlexLK
    • By AlexLK 29th Jun 17, 7:36 PM
    • 5,692 Posts
    • 29,350 Thanks
    AlexLK
    My eight year old has been telling me for at least two years that she is the only person in her whole class without an iPad, and yet she seems to survive. (It's also not true!).

    Year One is so young to be sitting exams! I'm sure you'll be proud of him no matter how he does, and with a teacher like you I'm sure he'll do fine.
    Originally posted by armchairexpert
    He doesn't need an iPad, he has access to mine and that's enough. His intentions were quite sweet really, he wanted one so he could discuss making a dessert with my father and find recipes. My wife quizzed a little more about what else he might like to do on the iPad and he said watch the times table song. He doesn't really know about many games at the moment.

    I won't enter him if I'm concerned about the standard he's playing at so he will be fine.
    Last edited by AlexLK; 29-06-2017 at 9:56 PM.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • cazmanian_minx
    • By cazmanian_minx 29th Jun 17, 8:42 PM
    • 4,004 Posts
    • 18,413 Thanks
    cazmanian_minx

    Time does pass quickly for us but summer seems to last forever to my son. He too wants to be "grow up", of course. He should have done well, I was pleased with his performance.
    Originally posted by AlexLK
    Ooh, I have a theory about that

    I think time seems to speed up as we get older because of the relative proportion of our life thus far a set period is. If you're 5, a year is 20% of your lifetime, whereas if you're 50 (as Mr Minx is tomorrow), a year is 2% of your lifetime - it's all about perception, which is why the summers always seemed so much longer when we were young
    Home: 06/08: £145,145.00 Currently: £114,428.66 Offset: £51,337.84 Amount paid off: £30,716.34 (21.2%) Paying interest on: £63,090.82
    Holiday let:
    02/17: £177,416.86 (Family loan: £129,146.86 + 0% cards £48,270.00) Currently: £175,566.86 Amount paid off: £1,850.00 (1.04%)
    Sugar days 2017: 15/26 Debt-free: 17/02/2017
    • AlexLK
    • By AlexLK 29th Jun 17, 9:59 PM
    • 5,692 Posts
    • 29,350 Thanks
    AlexLK
    Ooh, I have a theory about that

    I think time seems to speed up as we get older because of the relative proportion of our life thus far a set period is. If you're 5, a year is 20% of your lifetime, whereas if you're 50 (as Mr Minx is tomorrow), a year is 2% of your lifetime - it's all about perception, which is why the summers always seemed so much longer when we were young
    Originally posted by cazmanian_minx
    I have the same theory, Caz! Great minds ...

    Re. Summer: my son made me laugh today when he told me "The weather is being naughty." I asked why and his reply was "It's summer, if it were good it would be sunny".

    Off to bed now and hope it is a little brighter tomorrow.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • armchairexpert
    • By armchairexpert 30th Jun 17, 2:50 AM
    • 503 Posts
    • 3,292 Thanks
    armchairexpert
    I have heard that theory before as well!

    Alex, when did your son start playing - it's the piano, isn't it? My younger daughter is only five at the moment, but I thought about looking into music lessons for next year (I limit them to one extra curricular each and she's chosen hers for this year already) - I assume your son had already started by her age, would I be right?

    Also, if I do go with piano lessons, can I get away with just a keyboard for practice at home? My old piano was damaged beyond repair years ago and I no longer play, and I can't really justify buying one just for a child who may get bored of it again in a year.
    MFW diary here. 1 Feb 2017 $229,371 - MFD Feb 2043 aiming for May 2028
    1 June 2017 $221,986.42
    1 July 2017 $223,199.76 - bit of a backslide: leaving the June total here for inspiration!
    • CathT
    • By CathT 30th Jun 17, 5:58 PM
    • 5,197 Posts
    • 35,693 Thanks
    CathT
    I have the same theory, Caz! Great minds ...

    Re. Summer: my son made me laugh today when he told me "The weather is being naughty." I asked why and his reply was "It's summer, if it were good it would be sunny".

    Off to bed now and hope it is a little brighter tomorrow.
    Originally posted by AlexLK
    Thanks for posting that explains those Caz, I tried to explain it to someone recently but didn't put it as well as you.

    Lovely to read bright happy posts such as this Alex. Our children are small for such a short time and I love to take note of all the things they come out with. Their world is so literal.

    I have every confidence you will keep up with those debt repayments, first chunk gone so onwards and downwards.
    Last edited by CathT; 01-07-2017 at 7:15 AM.
    July 2017 -
    part 1 - £80,702
    part 2 - £46,583
    Total - £127,285
    • A Frayed Knot
    • By A Frayed Knot 30th Jun 17, 7:19 PM
    • 2,027 Posts
    • 9,229 Thanks
    A Frayed Knot
    I love to take note of all the things they come out with. Their world is so literal.

    Originally posted by CathT
    I once heard a little one say - after kneeling whilst playing for a long time.

    "I've got bees in my knees"

    obviously meaning "pins and needles"
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £2422.71 + Phantom o/ps 2017 -£1367.81 so far
    • AlexLK
    • By AlexLK 3rd Jul 17, 5:22 PM
    • 5,692 Posts
    • 29,350 Thanks
    AlexLK
    Somehow it's 3rd July. This month is going to be a little difficult financially but we're aiming to pay £1,000 from the debt.

    My son hasn't been well again and hasn't been to school today. The weekend wasn't as planned due to son not being well but I have carried on with the new bedtime routine, so have been going to bed early.

    I have heard that theory before as well!

    Alex, when did your son start playing - it's the piano, isn't it? My younger daughter is only five at the moment, but I thought about looking into music lessons for next year (I limit them to one extra curricular each and she's chosen hers for this year already) - I assume your son had already started by her age, would I be right?

    Also, if I do go with piano lessons, can I get away with just a keyboard for practice at home? My old piano was damaged beyond repair years ago and I no longer play, and I can't really justify buying one just for a child who may get bored of it again in a year.
    Originally posted by armchairexpert
    My son started violin and piano at the age of 3 but he was very interested and we go at his pace. I want him to enjoy music. He doesn't have formal music lessons as I teach him on an ongoing and continual basis. Five / six is a good age to start, though to learn an instrument properly takes a lot of time, patience and practise.

    I have a few pupils with only a keyboard at home and whilst I would rather they had a piano, they get to play mine once per week and I try to give them opportunities to play other pianos too and it seems to work until the pupil gets to c. Grade 1 or 2 at a push.

    Thanks for posting that explains those Caz, I tried to explain it to someone recently but didn't put it as well as you.

    Lovely to read bright happy posts such as this Alex. Our children are small for such a short time and I love to take note of all the things they come out with. Their world is so literal.

    I have every confidence you will keep up with those debt repayments, first chunk gone so onwards and downwards.
    Originally posted by CathT
    It seems like ages since I've seen your name, Cath. I hope you have now fully recovered.

    I think I have enough material to write an amusing book with all the things my son and pupils say.

    I am trying to remain as positive as possible. Still get quite a lot of negative thoughts but I write down and spend ten minutes per day reflecting upon and thinking how I could have thought about the situation in another way. Sometimes it works. Also trying not to think about myself as a depressed, anxiety ridden mess. Latest one is trying to think of myself the way I would like my son and also pupils to. Yes, it's crazy but it is working and getting me to bed earlier - staying up until 2am is not setting a good example.

    £1,000 planned repayment this month. Onwards and downwards, indeed.

    I once heard a little one say - after kneeling whilst playing for a long time.

    "I've got bees in my knees"

    obviously meaning "pins and needles"
    Originally posted by A Frayed Knot
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • AlexLK
    • By AlexLK 3rd Jul 17, 5:37 PM
    • 5,692 Posts
    • 29,350 Thanks
    AlexLK
    July Targets:

    Organise Summer holiday: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3.
    Debts: Pay £1,000 (/ £4,000 to pay)
    Total Grocery Spend: £ / £400.
    New bedtime routine: 2/31.
    Meditation: 6/21.
    Keeping organised: Started to use the calendar on my iPad / phone rather than a standard diary. It is working well. I can input postcodes and it alerts when I need to leave according to real time traffic which is astonishing. My wife has used this system for a long time. Also using OneNote for a more detailed schedule / planning pupils' lessons etc. Finding OneNote better than Apple's Notes app but downloaded the app onto my iPad / phone which means I can view it at any time. Keeping organised is a bit of a revelation to me.
    Spreadsheets / Money tracking:
    De-clutter and Sell: / 3 items. Including the car I've been meaning to sell for a couple of months now.
    Books read for pleasure: / 3.
    Prep tasks for course: / 4.
    Learn something new or refine a skill: 1. Continue learning and applying new knowledge to create more sophisticated and streamlined spreadsheets. 2. Learn a new piece of repertoire.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • maman
    • By maman 4th Jul 17, 3:08 PM
    • 16,215 Posts
    • 96,791 Thanks
    maman
    Just logged on as back from my holiday. We had a great time as ever.


    I've skimmed the last page and so impressed with your early nights Alex.
    • AlexLK
    • By AlexLK 7th Jul 17, 10:47 PM
    • 5,692 Posts
    • 29,350 Thanks
    AlexLK
    July Targets:

    Organise Summer holiday: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3.
    Debts: Pay £1,000 (/ £4,000 to pay)
    Total Grocery Spend: £55 / £400.
    New bedtime routine: 6/31. A little late going to bed tonight as we've been out for the evening and enjoyed a nice pub meal and a bottle of wine. Going to bed straight after writing this, though.
    Meditation: 6/21.
    Keeping organised: Slowly getting there.
    Spreadsheets / Money tracking: Tomorrow / Sunday is update day.
    De-clutter and Sell: / 3 items. Including the car I've been meaning to sell for a couple of months now.
    Books read for pleasure: / 3. Almost through one.
    Prep tasks for course: / 4.
    Learn something new or refine a skill: 1. Continue learning and applying new knowledge to create more sophisticated and streamlined spreadsheets. 2. Learn a new piece of repertoire.

    This week has been very busy as we are coming up to the end of term. I have been to meet my new school (and class!) which I will be based in for the majority of the upcoming year. Have a few more visits there before summer too. I'm not near so apprehensive having spent a few days at the school and am sure I'm doing the right thing. Mrs. K. is a bit concerned about me but is much more supportive than she was.

    Just logged on as back from my holiday. We had a great time as ever.


    I've skimmed the last page and so impressed with your early nights Alex.
    Originally posted by maman
    Glad to hear you've had a good time. Any particular points of note?

    You're not the only one. I'm just about to submit and log out to go to bed and I can't quite believe I was just considering the idea I'm going to bed a little "late" tonight.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • maman
    • By maman 7th Jul 17, 11:16 PM
    • 16,215 Posts
    • 96,791 Thanks
    maman
    What specifically is concerning MrsK? I'm glad she's being supportive but what is it that she's worrying about?

    This holiday was all about relaxing compared with the city breaks for sightseeing that we enjoy. This year my favourite thing was probably swimming in the sea. We started with swimming off boats and enjoyed it so much we made it a daily habit. Alongside that lots of reading, eating, drinking and catching up with friends.
    • AlexLK
    • By AlexLK 8th Jul 17, 7:40 PM
    • 5,692 Posts
    • 29,350 Thanks
    AlexLK
    What specifically is concerning MrsK? I'm glad she's being supportive but what is it that she's worrying about?

    This holiday was all about relaxing compared with the city breaks for sightseeing that we enjoy. This year my favourite thing was probably swimming in the sea. We started with swimming off boats and enjoyed it so much we made it a daily habit. Alongside that lots of reading, eating, drinking and catching up with friends.
    Originally posted by maman
    Sounds like a nice, relaxing time. I enjoy sightseeing but our coming holiday will be a relaxing one. Not really much to see in southern Spain that I haven't seen already. To be honest, I'm not particularly looking forward to going away but my wife and son are, so we will still be going. I think doing the sensible thing is annoying me somewhat as I was really looking forward to going to France.

    Re. my wife. She's concerned things are going to be as they were when I previously had a "proper job" - I become consumed by it and there's a negative impact on my health. Whereas I am sure that won't be the case. I know the signs and can recognise when things are going in a downward spiral for me now. The school I'm going to be spending the vast majority of the year is very supportive to all staff, which will be good for me. My wife also has some selfish concerns about whether her dinner will be ready within 10 minutes of her getting back from work and is further concerned that during busy times / when I am involved in school concerts and parents evenings etc. that she may have to pick our son up from my cousin's occasionally. Mrs K has recently changed her mind about our son attending prep school and thinks if I find myself in a full time position for 2018-19 he should board to make things easier. I know he wouldn't cope and is settled at his current school, my cousin is happy to have him after school and he loves being there and helping so I don't think it necessary. If I'm honest I'd rather not pursue teaching beyond next year if it means my son will have to board.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
    • AlexLK
    • By AlexLK 8th Jul 17, 10:59 PM
    • 5,692 Posts
    • 29,350 Thanks
    AlexLK
    July Targets:

    Organise Summer holiday: 1. Trip to R.W. 2. Holiday. 3. Agricultural shows x 3.
    Debts: Pay £1,000 (/ £4,000 to pay)
    Total Grocery Spend: £55 / £400.
    New bedtime routine: 6/31. Went to bed after writing last night. Not been out this evening but am a little later to bed. Will be following my new routine after writing this but not going to count it towards my target as it is later.
    Meditation: 7/21.
    Keeping organised: Slowly getting there.
    Spreadsheets / Money tracking: Tomorrow / Sunday is update day.
    De-clutter and Sell: / 3 items. Including the car I've been meaning to sell for a couple of months now. Really struggling to motivate myself with this.
    Books read for pleasure: / 3. Almost through one.
    Prep tasks for course: / 4.
    Learn something new or refine a skill: 1. Continue learning and applying new knowledge to create more sophisticated and streamlined spreadsheets. 2. Learn a new piece of repertoire.

    Just had a relaxing day today. Have been walking and enjoying the weather, so not spent hardly any money. Unfortunately, I've not been as bright as for the past week or two but both yesterday and today I've had a few glasses of wine (not too much by any stretch of the imagination), perhaps it has had a bit of a negative impact, even so. My parents haven't been easy to deal with for the past few days, either. This morning when I went to the house my mother told me she had decided now is the time I need to move home. I told her it isn't going to happen and get the "look how much we've provided for you and what we can provide that you cannot for your son" lecture. We're all there for lunch tomorrow, so hoping nothing will really be said and things are a bit more positive.
    Money saved 2017: £3330. Overpayments 2017: £500.
    Saved £11,000 in 2015, £9,800 in 2016.
    From £32,000 in debt on 2/9/2013 to debt free on 12/1/2015.
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