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  • FIRST POST
    • doingitanyway
    • By doingitanyway 14th Jan 16, 5:50 PM
    • 2,178Posts
    • 10,140Thanks
    doingitanyway
    Dancing in the Rain
    • #1
    • 14th Jan 16, 5:50 PM
    Dancing in the Rain 14th Jan 16 at 5:50 PM
    Four years ago I was transitioning from freelance creative work to being an employee. I had rising debts because my outgoings exceeded my rubbish freelance income and I couldn't find a job. My home had repairs I couldn’t do. I felt as if my life was in a downwards spiral.

    There have been/will be changes good and not so good and these changes have prompted my new diary.

    GOOD CHANGES:

    I’ve made some progress on emergency repairs and now have a wonderful new boiler (so I am warm!)

    I work for a brilliant charity and have done for the last 3.5 years. I know I could earn more, but I enjoy my work, I do something worthwhile and it fits in with other things I want to achieve that are equally important to me. They are now agreeing (from March 2016) to me working full time with 2 days working from home. This is a work balance that will allow me to be creative, and improve my income so I can achieve my 2016 goals

    This is the year I become mortgage free.

    NOT SO GOOD CHANGES:

    My debt has increased from £12,000 to £24,822

    After much thought I have realised what my priorities should be for 2016. I want a dog and a small car and a trip to New York but those are WANTS that I can’t have, at least not this year…

    I have set goals for 2016 and these goals work towards my overall plan for 2020. Each year there will be an overarching priority and 2016 my priority is HOUSE. I have a schedule of works from which I will set house goals


    House, decluttering,creativity, social, house, health, finances, nurturing, environment, organisation and future self

    I will also do a weekly, how I saved money this week update on Fridays

    I sound frighteningly organised don’t I? This is me getting serious…but I have a real problem dealing with workmen and having them in them in my home!!!! so I'm also bit of a coward-custard deep down too

    This isn’t always going to be fun, I get that. But no more putting my head down and waiting for the storm to pass. As often as I can I will get out there and dance in the rain!

    Come and support me when you can
    Last edited by doingitanyway; 27-11-2017 at 9:52 PM.
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
Page 101
    • beanielou
    • By beanielou 5th Dec 17, 10:41 AM
    • 48,999 Posts
    • 181,846 Thanks
    beanielou
    Enjoy your day without feeling guilty
    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***
    • redofromstart
    • By redofromstart 5th Dec 17, 11:27 AM
    • 612 Posts
    • 3,472 Thanks
    redofromstart
    Your curry sounds lovely.
    • doingitanyway
    • By doingitanyway 5th Dec 17, 6:17 PM
    • 2,178 Posts
    • 10,140 Thanks
    doingitanyway
    £1 a day for 2018
    Yet another post as my mood is slipping and I need to motivate myself. I took the day off today so I can get back on track.

    Achieved today:

    Decluttered a bag to the CS

    Gave a coat to Salvation Army and asked them not to sell it but to give it to someone who is street homeless as the coat is pure wool and very warm. She said they have a special box to do just that. Who knew? Worth asking…

    Washing done and drying.

    Christmas cards sent ( A 1st class stamp is now 70p!!!!!70p!!!!!)

    A healthy meal made

    Rubbish sorted

    Dishes and packing away X3

    A ‘reaching out’ text sent to make contact X2

    Lunch packed for tomorrow

    A new subscription set up (for supporting creative work)

    New £1 a day savings set up for CU account for Christmas 2018

    Ordered Christmas fizz from Ald1 (free delivery and £5 a bottle to take when visiting over Christmas)

    A good day for me. I hope you had a good day too.

    Work tomorrow. Onwards and upwards
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 5th Dec 17, 7:04 PM
    • 48,999 Posts
    • 181,846 Thanks
    beanielou
    Seems like you had a good day
    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***
    • doingitanyway
    • By doingitanyway 6th Dec 17, 7:27 PM
    • 2,178 Posts
    • 10,140 Thanks
    doingitanyway
    Pure glamour
    A good day.

    I went to bed on time last night and awoke refreshed.

    I worked well and enjoyed my colleagues today.

    MSE
    Breakfast, lunch, apples and nuts taken into work.
    Into the office so electricity and gas saved (no fares as already had a travel card)
    Returned clothes for refund as ‘liked’ but did not ‘love’ them
    Resisted picking up a bottle of wine after work
    Got 2nd class stamps without being forced to buy a book of 12 or 6

    Not so MSE
    Coffee and cake at lunch time £5.20

    Getting organised to avoid overspending
    Used before work time to go to Post Office and go to MnS to exchange thermals
    Came straight home from work to avoid stopping off at the supermarket
    Updated my bullet journal

    I am WFH tomorrow so I am planning to make:
    Thai veggie curry with fried sea bass and celeriac rice
    Curried lentil, courgette and coriander soup

    I plan to leave a Flylady worthy kitchen tonight and sort out the bins
    Oh, the glamour of my life
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • Cumbria lass
    • By Cumbria lass 6th Dec 17, 7:57 PM
    • 884 Posts
    • 4,521 Thanks
    Cumbria lass
    I wish I was feeling that organised, everything seems a chore at the minute . Loving the sound of the soup.
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • doingitanyway
    • By doingitanyway 7th Dec 17, 2:45 PM
    • 2,178 Posts
    • 10,140 Thanks
    doingitanyway
    WFH today :)
    Hello Campers
    MSE
    Instead of £1 a day I set up a S/O for £7 a week to save for Christmas 2018. It will go straight to my CU account. If I do it weekly and I am running short I can always stop it and make up the shortfall the following week.

    My wine order came today. Free delivery from Mr A. and very nice Cava in a festive gold bottle for £5 each. Total bargain

    Soup, cooked turtle beans and Thai veggies made, cooled and stored in fridge. Decided not to fry sea bass fillets. I will be steaming them instead.

    Wearing thermals and keeping heating off. LOVE my thermals. So warm

    Drudgery
    Dishes X4
    Cleaned kitchen hob/sides/swept floor
    Bed made/swept floor/clothes put away in wash bag

    I did not make my kitchen fylady worthy last night I admit.
    However, I’ve done it today instead.

    I’ve been so slow getting my bins sorted out that it is collection time again. I haven’t in brought them in since last week

    Decluttered
    Batteries
    A light fitting
    Old plant

    Taking care of myself
    2 texts sent out following up on Christmas get togethers with friends I don’t see often
    Burning geranium oil to lift my spirits
    Booked a dental hygienist’s appointment
    Fairy lights on. They make me smile

    I hope your day is going well reader
    Last edited by doingitanyway; 07-12-2017 at 2:56 PM.
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • JoJoC
    • By JoJoC 7th Dec 17, 6:38 PM
    • 1,275 Posts
    • 4,158 Thanks
    JoJoC
    A productive day, all round Hope you start feeling better within yourself soon. J
    CC1: £3804.52 / £3554.32 £250.20 paid | CC2:£5027.53 / £4829.43 £245 paid | Loan: £15,000 / £12,369.24 (£2,631.76 paid)

    July debt total: £23,832.05 | New debt total: £20,752 | Total debt paid: £3,080 (13%)
    *My debt busting and savings diary*
    • doingitanyway
    • By doingitanyway 8th Dec 17, 1:24 PM
    • 2,178 Posts
    • 10,140 Thanks
    doingitanyway
    fake it till you make it
    A productive day, all round Hope you start feeling better within yourself soon. J
    Originally posted by JoJoC
    Thanks JoJo. I am fighting the low mood by feeling one way but acting another. So I wake feeling down and wanting to pull the duvet over my head but I get up and get on with it and it seems to be working to a degree. Luckily for me I am WFH a lot this month. Hopefully the low mood will disappear of its own accord.

    I am eating a steak for lunch as an energy/iron boost. It was YS from 8.70 to 2.30. Who on earth can afford nearly £9 for a steak. What if they are a family. It is crazy. Or is it me?

    Today so far...

    Drudgery
    Washing-Up, drying and packing away X3

    Finances
    Made a transfer
    Checked balances
    Set up new S/O payments for CU account

    Frogs
    A difficult personal phone call made

    I hope your day is going well reader
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 8th Dec 17, 5:42 PM
    • 48,999 Posts
    • 181,846 Thanks
    beanielou
    Well done on todays frogs
    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***
    • doingitanyway
    • By doingitanyway 9th Dec 17, 11:17 PM
    • 2,178 Posts
    • 10,140 Thanks
    doingitanyway
    drinking and spending
    A late night post as I have had a spendy day and I want to take stock of exactly how much I have spent so I can get back on track

    A round of drinks £22

    Flowers for my line manager £10

    Fares £10

    Contribution to my manager’s present £14

    A book for a present £6.50

    £8 in YS bits and bobs

    £1 coffee

    So, £71.50 in one day. I can hardly believe it.

    Not great but it is the lead-up to Christmas. I managed to avoid the Christmas ‘do’ so I guess I will suck this up…

    I have £89 left in my account. I am owed £30 I will receive (hopefully) on Monday but that is all I have until pay day. This week I have had 3 NSDs thank goodness.

    I must not forget I received a lovely present and had a few glasses of wine myself too.

    I hope you had a good Saturday
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 10th Dec 17, 12:24 PM
    • 2,178 Posts
    • 10,140 Thanks
    doingitanyway
    my type of sunday :)
    Sunday is the one day I can wake up and not have to do something or be somewhere.

    I had an international phone catch up for an hour on the phone, then a catch up with another friend for an hour. Then Corrie catching up on the omnibus.

    Had leftovers for breakfast, as I had run out of eggs, but it was a late breakfast so it was fine.

    The house is a complete wreck but I am planning to stay home today and listen to podcasts and clean and sort.

    I am having a NSD day today after spending too much yesterday.

    I just lit the last of a posh candle.

    Feeling chilled today as I am having the kind of Sunday I like to have.

    I hope you are too
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • Cumbria lass
    • By Cumbria lass 10th Dec 17, 2:53 PM
    • 884 Posts
    • 4,521 Thanks
    Cumbria lass
    DIA my kind of Sunday definitely. Been in my pjs all day . Enjoy the rest of your day at home .
    Nov 2017 CC1 £3329 CC2 £600

    Debt Free Nov 2019: earlier if I have my way
    • beanielou
    • By beanielou 10th Dec 17, 4:19 PM
    • 48,999 Posts
    • 181,846 Thanks
    beanielou
    Glad that you are enjoying your Sunday
    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***
    • RosaBernicia
    • By RosaBernicia 10th Dec 17, 5:52 PM
    • 3,260 Posts
    • 8,376 Thanks
    RosaBernicia
    Eek to work spends. Are you able to plan these in advance, DIA, or are they last minute?

    Well done on your frogs and hurrah for lazy Sundays.


    Rosa xx
    Debt free May 2016... MFW progress 2.3%


    • doingitanyway
    • By doingitanyway 10th Dec 17, 6:31 PM
    • 2,178 Posts
    • 10,140 Thanks
    doingitanyway
    Eek to work spends. Are you able to plan these in advance, DIA, or are they last minute?
    Well done on your frogs and hurrah for lazy Sundays.
    Rosa xx
    Originally posted by RosaBernicia
    You are right to raise the eek spending Rosa. I did not plan for it. If I had a proper budget I would have PRESENTS and SOCIALISING set up as expenditure and all would have been accounted for.

    Over the next few weeks I am going to work on a budget. Not YNAB by the way, even you have issues with it so for me it is a no go.

    I am also going to set up a separate account for spending and keep one for bills and standing orders

    Thanks for keeping me accountable.

    I hope you had a good Sunday
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • RosaBernicia
    • By RosaBernicia 10th Dec 17, 7:35 PM
    • 3,260 Posts
    • 8,376 Thanks
    RosaBernicia
    You are right to raise the eek spending Rosa. I did not plan for it. If I had a proper budget I would have PRESENTS and SOCIALISING set up as expenditure and all would have been accounted for.

    Over the next few weeks I am going to work on a budget. Not YNAB by the way, even you have issues with it so for me it is a no go.

    I am also going to set up a separate account for spending and keep one for bills and standing orders

    Thanks for keeping me accountable.

    I hope you had a good Sunday
    Originally posted by doingitanyway

    The eeking is mostly just because to me it seems a lot, especially when you've said before that you end up contributing more than your actual share. But I may not be a very fair comparison as my work people aren't very sociable! - and have always been very good about not creating financial pressures on staff. Anyway, much easier to handle if you have an idea in advance.

    YNAB is behaving itself better now, it may just have been an issue with the revised credit card set up. I'd have been much less cross if they'd warned me it was coming. However, before I had YNAB I just used a spreadsheet and that worked fine - with a bit of effort I could probably have added in categories. So long as whatever you use works for you, it's doing it's job.


    Rosa xx
    Last edited by RosaBernicia; 10-12-2017 at 7:41 PM.
    Debt free May 2016... MFW progress 2.3%


    • doingitanyway
    • By doingitanyway 10th Dec 17, 7:57 PM
    • 2,178 Posts
    • 10,140 Thanks
    doingitanyway
    The eeking is mostly just because to me it seems a lot, especially when you've said before that you end up contributing more than your actual share. But I may not be a very fair comparison as my work people aren't very sociable! - and have always been very good about not creating financial pressures on staff. Anyway, much easier to handle if you have an idea in advance.
    Rosa xx
    Originally posted by RosaBernicia
    I must reveal more about myself than I know as you have hit the hammer on its head. I bought a round when it wasn't my turn to do so. I just act as if I have more money than I have!
    I paid for the flowers and card but told my colleagues 'not to worry' when they should have given me £5 each back and I suggested the present in the first place and then lost control of the budget so it went to £42 instead of £30. OK, a budget would have made it better but I need to take responsibility for my Lady Bountiful ways
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • parsniphead
    • By parsniphead 11th Dec 17, 8:50 AM
    • 2,244 Posts
    • 14,281 Thanks
    parsniphead
    I think you're a kind person who likes to give but it does seem like that others can take advantage sometimes. I and many others would have insisted on paying our share. Its very hard sometimes to ask for money back, but you're living on one wage and and afford to cover costs for others.

    Time to get tough.
    Nothing gets better until you get better.
    • RosaBernicia
    • By RosaBernicia 11th Dec 17, 5:36 PM
    • 3,260 Posts
    • 8,376 Thanks
    RosaBernicia
    I must reveal more about myself than I know as you have hit the hammer on its head. I bought a round when it wasn't my turn to do so. I just act as if I have more money than I have!
    I paid for the flowers and card but told my colleagues 'not to worry' when they should have given me £5 each back and I suggested the present in the first place and then lost control of the budget so it went to £42 instead of £30. OK, a budget would have made it better but I need to take responsibility for my Lady Bountiful ways
    Originally posted by doingitanyway
    Um, I am/ was the same. I've lost count of the times I bought thoughtful and expensive Christmas and birthday presents for people who have never done the same - in one case, actually losing the gift before we'd left the restaurant - and I always joined in rounds even when I knew I'd only want two drinks in the evening not the 7 that I should have if the rounds system actually worked! All while scrimping and denying myself things because I was trying to get out of the credit card hole, and all that time given up for finding the right gift and organising cards etc when doing a full time job and studying too!

    People really don't mind if you change though - I have given up regularly buying presents for all but one friend and now meet people for a nicer meal which saves either of us the stress of choosing and wrapping etc (and we split the bill, the expectation is clear because I offer the suggestion of doing that instead of presents in advance). I do still often buy things for others, but that's not in expectation iyswim - it's people who I buy presents for when I see something that suits them, and know they won't be at all bothered or even notice if I don't send a present with this year's Christmas card like last year. And it's not unreasonable to expect contributions to work gifts if it's clear and if you allow people to duck out quietly if they need to. I generally dodge rounds of more than about 3 people by just saying I'm still dithering or I'll be heading off early so don't want to confuse the system.

    Also, from the other side I noticed that it's OK to accept someone buying me a coffee etc, sometimes it looks ruder to insist on paying them back for small amounts or wandering off to a cash machine rather than accept a genuine small kindness

    But it seems I am lucky in having thoughtful and frugal colleagues and friends... maybe I've just weeded out the others by now


    Rosa xx
    Debt free May 2016... MFW progress 2.3%


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