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  • FIRST POST
    • MuffinTops
    • By MuffinTops 16th Jul 15, 4:30 PM
    • 2,020Posts
    • 6,010Thanks
    MuffinTops
    My Journey To My Pot Of Gold
    • #1
    • 16th Jul 15, 4:30 PM
    My Journey To My Pot Of Gold 16th Jul 15 at 4:30 PM
    Hello!

    I've had a few diaries on here and am at the stage where I've made plans, things are going well and I feel focused on my goals. Usually when I get here, I leave my diary and, left to my own devices, things slowly fray and unravel, so now I'd like to document my path to where I'd like to be.

    A quick bit of information about me. I'm 44 years old, female and single. I live alone, am mortgage free and am "debt free". I've put that in quotes as I have a credit card that's on 0% and has a debt on it, but I have more than the total debt in savings. I will update my signature soon to reflect all of my finances.

    My pot of gold is about everything in my life. I want to be the best version of me and create an external environment that fits with what's in my heart.

    Firstly, I need to set up a decent amount of savings for a financial buffer. My company sounds like it could be heading towards a few redundancies and if I'm on that list then I need to make sure that whatever the package is, I can afford a breather to regroup and work out what I really want to do - and then head down that route. If I'm not on that list then I still need a finance buffer to give me some breathing space as I'd like to head off in a slightly different direction to what I'm currently doing.

    Secondly, I need to totally declutter my house. I'm a (carpet seeing) hoarder. I'm nowhere near as bad as the people you see on TV, but they all had a trigger to send them over the edge, and I'm at a point where the amount I own is scaring me and the amount I have just wouldn't be able to cope with it getting worse (if I had an edge tipping trigger). I've been down the route of selling online and at boot sales, but a lot of my stuff is just "stuff" and selling is taking too long. I need to detach myself from the emotional attachments I feel to inanimate objects and get things cleared out. Charity shops will be doing well out of me. Ideally I'd like to be quite minimalist, and that's my long term aim.

    I'm really happy with my personal life. I do enjoy being single, I love the freedom and do genuinely have a bit of a phobia to commitments, however I have such amazing friends that they're making me see that having someone in my life could also be a good thing. I could easily deal with each of my close friends on a permanent basis, so maybe I can extend that to someone on a romantic level? Who knows but I am open minded about it!


    I think that's enough for now!!!

    Oh, I'm also addicted to emoticons!!!!
    Last edited by MuffinTops; 16-07-2015 at 4:34 PM.
    Credit Card Debt: £740.22 - Almost there!!!
    ======================
    Savings: £10,032.64

    Pot of Gold = £9292.42
Page 33
    • bellevie
    • By bellevie 24th Sep 16, 12:22 PM
    • 438 Posts
    • 1,678 Thanks
    bellevie
    Your colleague sounds like a real gem

    Glad to read you are well MT

    xx
    2016 Savings target....
    Sept 2016 - 43%....better get a move on
    • MuffinTops
    • By MuffinTops 26th Sep 16, 7:45 AM
    • 2,020 Posts
    • 6,010 Thanks
    MuffinTops
    Hello bellevie. Lovely to see you.

    He is a real gem and so thoughtful. MTxx
    Credit Card Debt: £740.22 - Almost there!!!
    ======================
    Savings: £10,032.64

    Pot of Gold = £9292.42
    • MuffinTops
    • By MuffinTops 26th Sep 16, 7:50 AM
    • 2,020 Posts
    • 6,010 Thanks
    MuffinTops
    The weekend went by in a blur again and I'm getting quite upset that I've still not found the time to get my home in order to get it back on sale. It's going on the website again this weekend and I've decided to clear the weekend to get as much as possible done.

    I went to Bicester village on Saturday to meet a friend. It was great that I got some birthday present bargains for friends, but I still spent more than I should have. I get paid on Friday and I need to really put a realistic budget together to stop this happening every month.

    Other than that it's still really busy at work, although I have kept a couple of evenings free to do some overtime to catch up with bits and pieces that I'm stressing about. I'm also going to phone my Dr and Bupa today to see if I can get a private referral as I'm getting stressed on health issues too as my symptoms feel like they're getting worse and I feel a bit alone with it all.

    I have to start selling things again too. Even if I put up one thing a day that's still 100% more than I'm currently doing!!!

    Happy New Week everyone!

    MTxx
    Credit Card Debt: £740.22 - Almost there!!!
    ======================
    Savings: £10,032.64

    Pot of Gold = £9292.42
    • moneyonmymindsam
    • By moneyonmymindsam 26th Sep 16, 11:18 PM
    • 1,067 Posts
    • 3,024 Thanks
    moneyonmymindsam
    Happy new week
    I think that Bupa is a good idea if it will relieve some of your worry.


    I have listed some things and have had some sales - Just the dreaded posting to do tomorrow now :P


    Thinking of you - try not to put too much pressure on you as sounds like your doing an amazing job as always.


    Sam x
    Yep the same Sam who is at 3 stars and apparently a SERIOUS money saving fan
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • MuffinTops
    • By MuffinTops 3rd Oct 16, 8:57 AM
    • 2,020 Posts
    • 6,010 Thanks
    MuffinTops
    Thank you Sam. I've brought in my BUPA details today so will hopefully get it set up soon.

    How's the listing going now? Still a bit listless???

    You're a very serious money saving fan. You broke through your debt in record time. Inspirational.

    MTxx
    Credit Card Debt: £740.22 - Almost there!!!
    ======================
    Savings: £10,032.64

    Pot of Gold = £9292.42
    • MuffinTops
    • By MuffinTops 3rd Oct 16, 9:08 AM
    • 2,020 Posts
    • 6,010 Thanks
    MuffinTops
    Well the weekend was pretty productive. I painted the dodgy wall (dodgy as I'd missed so many bits before) and I also managed to paint the skirting boards and door frame in the living room without causing too much mess. I think it's looking much fresher but the carpet looks even more tired now. I think a nice colourful rug may be needed now to spruce it up a bit?

    I've also managed to put my furniture back to how it should be in the living room and I gave the dining room a good clean. So I now need to put furniture together for that show home look. I'm going to literally throw everything into the spare box room so that every other room looks immaculate and then I have everything to organise in one small room. It looks awful, but I think if everywhere else looks great and fresh then it won't put too many people off buying the house.

    I also did a 2 hour show yesterday morning which was nice as I just chose mellow songs to ease everyone into the day. Then the guy taking over from me put on some sort of trance music! It was such a shock from the calming songs I'd played straight to things like "firestarter"!!! Eek!

    I desperately need to sell so many things. I'm considering doing a few boot sales on my own to get rid of as much as possible. I have a clear weekend so I'm wondering if I should just go for it. If I'm organised with my things then it should go quite well and would be a little extra money for me too.

    I hope everyone has a lovely week! Can't believe how fast weekends go now I'm full time. Still not used to it, if I'm honest. Although the extra money is lovely and will be going up this month, hopefully!

    Happy New Week everyone!

    MTxx
    Credit Card Debt: £740.22 - Almost there!!!
    ======================
    Savings: £10,032.64

    Pot of Gold = £9292.42
    • jodles16
    • By jodles16 3rd Oct 16, 1:24 PM
    • 1,240 Posts
    • 3,605 Thanks
    jodles16
    Hey MT! Sounds like you have done an amazing job on your house, personally one room that needs TLC would not put me off a house at all! Well done you!

    Haha great clash of music it sounds like! Bet the listeners had a bit of a moment with the change over...

    With regard to health stuff, do whatever it is you need to do to ensure that you are being looked after properly and that you are getting all you need!

    Jodles
    MFW2016 #25 6969.57/3820
    MFiT #66
    Overall aim 8106/21,743 (£156,000)
    2016- Jan-£177,472, Apr-£173,195.04, July- £171,417.47 Oct- 169,366
    2017- Jan- Apr- July- Oct-

    • doingitanyway
    • By doingitanyway 3rd Oct 16, 5:39 PM
    • 1,037 Posts
    • 4,218 Thanks
    doingitanyway
    MT, you are achieving a huge amount especially as you are transitioning back to F/T.
    A car boot sale sounds like a good idea too, but don't overextend yourself. It's important to look after yourself when you health is not 100%
    Take care x
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • RosaBernicia
    • By RosaBernicia 3rd Oct 16, 9:26 PM
    • 3,043 Posts
    • 7,567 Thanks
    RosaBernicia
    Hi MT

    All sounding good! If you are going to put all your stuff in one room, I'd suggest putting it in boxes or covering it with dust sheets. Nobody will look inside and it will seem you're getting ready for your own move!


    Rosa xx
    Proud to be dealing have dealt with my debts - DEBT FREE May 2016
    DFW Diary - Balancing not just the budget
    http://forums.moneysavingexpert.com/showthread.php?t=4398229
    • Tinkerbelle2000
    • By Tinkerbelle2000 6th Oct 16, 1:18 PM
    • 486 Posts
    • 1,531 Thanks
    Tinkerbelle2000
    Hi MT. The car boot sounds like a great idea and if you are lucky you might not have too much left in the spare room. I also agree it wouldn't put me off and as Rosa said it would just look like you are being prepared.

    I'm struggling with my extended week too. I'm only doing one extra day but I am so tired and not a bit well at the moment. Can't wait for payday tomorrow though. First one with extra days pay in.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • moneyonmymindsam
    • By moneyonmymindsam 6th Oct 16, 10:06 PM
    • 1,067 Posts
    • 3,024 Thanks
    moneyonmymindsam
    Hello gorgeous


    Home is sounding more up together so well done there!, I agree its crazy just where does all the time go??.


    Sam x
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • Tinkerbelle2000
    • By Tinkerbelle2000 10th Oct 16, 2:13 PM
    • 486 Posts
    • 1,531 Thanks
    Tinkerbelle2000
    Hi MT. Hope you are ok. Did you manage to get to the car boot?

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • doingitanyway
    • By doingitanyway 12th Oct 16, 7:41 PM
    • 1,037 Posts
    • 4,218 Thanks
    doingitanyway
    Hi MT I was reading another casualty's diary. He is missing you as are others on his diary and then I thought 'yes, I miss her too...' I hope you are well and everything is going okay. Hugs. DIA x
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • jodles16
    • By jodles16 17th Oct 16, 4:45 PM
    • 1,240 Posts
    • 3,605 Thanks
    jodles16
    Just wanted to pop in and say hi, hope alls well lovely and you are doing good!

    Jodles
    MFW2016 #25 6969.57/3820
    MFiT #66
    Overall aim 8106/21,743 (£156,000)
    2016- Jan-£177,472, Apr-£173,195.04, July- £171,417.47 Oct- 169,366
    2017- Jan- Apr- July- Oct-

    • Tinkerbelle2000
    • By Tinkerbelle2000 18th Oct 16, 10:38 PM
    • 486 Posts
    • 1,531 Thanks
    Tinkerbelle2000
    Hope you are ok MT. Can you be tempted back with chocs???? They have been in short supply lately.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
    • moneyonmymindsam
    • By moneyonmymindsam 23rd Oct 16, 9:58 PM
    • 1,067 Posts
    • 3,024 Thanks
    moneyonmymindsam
    Evening gorgeous - Missing you muchly.


    Take care of you


    Sam


    XX
    2016 Savings pot £3500 Health pot £100 In Credit on CC £40 Eating Out Vouchers £50




    • RosaBernicia
    • By RosaBernicia 23rd Oct 16, 10:47 PM
    • 3,043 Posts
    • 7,567 Thanks
    RosaBernicia
    *tiptoes in with pralines, leaves box open and waves lid to waft tempting scent around*

    Hope you are having fun MT (with the junior radio host? )

    Rosa xx
    Proud to be dealing have dealt with my debts - DEBT FREE May 2016
    DFW Diary - Balancing not just the budget
    http://forums.moneysavingexpert.com/showthread.php?t=4398229
    • doingitanyway
    • By doingitanyway 24th Oct 16, 4:58 PM
    • 1,037 Posts
    • 4,218 Thanks
    doingitanyway
    Tip toed in and took one (ok three) pralines from the opened box. Sorry. It was the tempting scent. Sorry again...If you don't come back MT the box may be empty....Just saying...
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • RosaBernicia
    • By RosaBernicia 24th Oct 16, 7:27 PM
    • 3,043 Posts
    • 7,567 Thanks
    RosaBernicia
    Tip toed in and took one (ok three) pralines from the opened box. Sorry. It was the tempting scent. Sorry again...If you don't come back MT the box may be empty....Just saying...
    Originally posted by doingitanyway


    Surely MT has worked out what we're like by now... *surveys box with more than three missing pralines and keeps hand behind back*


    Rosa xx
    Proud to be dealing have dealt with my debts - DEBT FREE May 2016
    DFW Diary - Balancing not just the budget
    http://forums.moneysavingexpert.com/showthread.php?t=4398229
    • Tinkerbelle2000
    • By Tinkerbelle2000 27th Oct 16, 4:37 PM
    • 486 Posts
    • 1,531 Thanks
    Tinkerbelle2000


    Surely MT has worked out what we're like by now... *surveys box with more than three missing pralines and keeps hand behind back*


    Rosa xx
    Originally posted by RosaBernicia
    I don't like pralines
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57 01/12/16 - £13062.92
    DEBT 1 = £1143.93 DEBT 2 = £1073.00 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1120.00
    DEBT 7 = £1324.59 DEBT 8 = £6325 DEBT 9 £2656.92
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