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  • FIRST POST
    • doingitanyway
    • By doingitanyway 14th Jan 16, 5:50 PM
    • 1,015Posts
    • 4,154Thanks
    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 £21,822

    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; 15-03-2016 at 12:08 PM.
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
Page 41
    • Tinkerbelle2000
    • By Tinkerbelle2000 13th Oct 16, 11:06 AM
    • 467 Posts
    • 1,483 Thanks
    Tinkerbelle2000
    That's some list DIA, but so organised. I think I might be pinching a few of those ideas.

    All sounding very positive.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57
    DEBT 1 = £179.53/£35.60 DEBT 2 = £1181.80 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1065.66
    DEBT 7 = £1324.59 DEBT 8 = £6325.00 DEBT 9 £2774.49
    • doingitanyway
    • By doingitanyway 13th Oct 16, 5:22 PM
    • 1,015 Posts
    • 4,154 Thanks
    doingitanyway
    adjusting the budget
    Hello reader
    My day can be divided as follows...

    Drudgery
    Made stock
    Washing on and drying outside X1
    Chicken seasoned and in fridge
    Swept and dusted bedroom
    Washing-up X3

    Money
    My budget isn’t working. I am taking money out of the ‘home repairs’ fund every month. I am out by £156 since I increased my debt repayment by £156. I am going to reduce my debt overpayment. I will be cutting this additional payment to a more realistic £75 from next month. I feel a little disappointed but I still intend be DF by the end of 2017 I will just have to find another way

    A NSD

    3 good things
    Yesterday, I asked the man on customer services for some change for a trolley and he gave me a trolley token instead.

    I opened a letter from HMRC tentatively, but it was to say they owed me just over £10

    I made fab soup from my stock. Lentil, courgette and turnip with a handful of lentils plus brown miso, fresh ginger, garlic and the pickings of chicken from a carcass. Gorgeous…

    The week is drawing to a close. We made it!

    DIA x
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Orange Ena
    • By Orange Ena 15th Oct 16, 11:22 PM
    • 1,060 Posts
    • 2,597 Thanks
    Orange Ena
    Loving the winter prep list DIA, I think you've thought of everything

    I had a look at that paint colour you mentioned, Damson Mousse, and wow, it is lovely, I can see why it gave you a lift. Colours are so important for mood I think. My lounge has what I think is gorgeous wallpaper, Serena by Laura Ashley, and it makes me feel good to look at it. It's bright but not too garish and I never tire of looking at it. My new bedroom is grey and plum and looks classy. I could never never live in a magnolia house now

    Hope you're having a lovely weekend
    Ll0yds CC £3180.05 £2779 / H@lifax CC - £1490 £0
    Nati0nwide CC - £558 £0 / Barcl@ycard CC - £890.80 £0
    Debt Apr 15 £6895.44 / Jul 15 £6330.30 / 5th Jan 16 £5217.26 / 4th Feb £4340 / 5th Apr £3505
    Every penny is a prisoner
    • Jumblerina
    • By Jumblerina 16th Oct 16, 4:09 PM
    • 184 Posts
    • 545 Thanks
    Jumblerina
    Your soup sounds delicious DIA also loving the winter preparation list, preparation has been my downfall this week so I'm feeling very inspired by how organised you are

    Jumblerina xxx
    • doingitanyway
    • By doingitanyway 17th Oct 16, 6:57 PM
    • 1,015 Posts
    • 4,154 Thanks
    doingitanyway
    my mojo
    Where I was focused on the debt before, for the past few weeks I have lost interest a bit. The debt is still being reduced and agreed payments made but my debt busting mojo has gone.

    The handyman hasnít started and I dipped into the funds for the work he will be doing. I paid the dental hygienist with house renovation money. It will be made back up but it shows my budget isnít working well.

    I found out I am very low in iron and that can make you feel tired and listless. I am remedying this now and have started supplements, but the results take time. At least I am on the path to increased energy.

    I finally have a new hot water bottle. Joy of joys. I love it. Instead of £8.99 I paid £3.99

    Back to work tomorrow

    I hope your day went well

    DIA x
    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 17th Oct 16, 8:48 PM
    • 4,060 Posts
    • 22,739 Thanks
    in need of direction
    Make sure you up your fibre intake when you start the iron supplement
    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.
    • Jumblerina
    • By Jumblerina 18th Oct 16, 2:35 PM
    • 184 Posts
    • 545 Thanks
    Jumblerina
    Hey DIA,

    I'm sorry to hear you're feeling unwell, no wonder your mojo has temporarily gone missing. It will come back, most important thing is to take care of yourself and get better. When your energy levels are back up, you'll be back on track with the debt busting

    Good to hear about your hot water bargain you're still having an impact on your debts by the good choices you make every day.

    Hope you feel better soon

    Jumblerina xxx
    • Tinkerbelle2000
    • By Tinkerbelle2000 18th Oct 16, 10:25 PM
    • 467 Posts
    • 1,483 Thanks
    Tinkerbelle2000
    Hi DIA. I hope you're feeling a bit better. Guinness is good for iron so the doc told me. Can't stand the stuff myself lol.

    I hope once you're feeling better your debt busting mojo comes back. Get snuggled in bed with your hot water bottle and relax.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57
    DEBT 1 = £179.53/£35.60 DEBT 2 = £1181.80 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1065.66
    DEBT 7 = £1324.59 DEBT 8 = £6325.00 DEBT 9 £2774.49
    • doingitanyway
    • By doingitanyway 20th Oct 16, 8:33 PM
    • 1,015 Posts
    • 4,154 Thanks
    doingitanyway
    hunting down my mojo
    Thanks guys. INOD I have upped my fibre. Jumblerina and Tink thanks for your support

    When I got home from work there was a cheque for me for £100 from the rubbish bank in response to my complaint. This time I was not stressed when I got their letter saying I owed them money, I sprang into action instead and now I am £100 better off

    The funny thing is I ‘stole’ £100 from the house account this month, but now I can put it back.

    I will recalculate my budget tonight and get back on track

    I threw away my flask as it was leaking so I ended up buying coffee out and a flapjack as I hadn’t had breakfast. I need to buy a new flask at the weekend.

    I took lunch in today. It was a bit of a hotchpotch lunch in a jam jar but I saved money.

    I need to take in more food as I had a rumbling tummy. My train was delayed so it got worse but I came in, warmed some home made soup, then I made up a platter of veggies and smoked mackerel.

    I began looking at the bullet proof journal (thanks Tink for alerting me to this) I am going to use this system to get organised and then I am going to hunt down my mojo

    I hope you had a good day reader
    DIA x
    Last edited by doingitanyway; 20-10-2016 at 8:36 PM.
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 20th Oct 16, 8:44 PM
    • 44,824 Posts
    • 155,252 Thanks
    beanielou
    Great news on the £100.
    Is it all resolved now then?
    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***
    • doingitanyway
    • By doingitanyway 20th Oct 16, 8:51 PM
    • 1,015 Posts
    • 4,154 Thanks
    doingitanyway
    Great news on the £100.
    Is it all resolved now then?
    Originally posted by beanielou
    Thanks beanielou.
    So they say, but they said that last time didn't they. Ah well, if anymore letters come I will repeat the process again and hopefully be £100 better off again. I will however check my credit file to see if this has been affected as I don't trust them.
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • Tinkerbelle2000
    • By Tinkerbelle2000 20th Oct 16, 10:28 PM
    • 467 Posts
    • 1,483 Thanks
    Tinkerbelle2000
    I am so made up you are going to start using a bullet journal, I have never felt so organised. I spend so much time on youtube looking at the videos which are so lovely but mine is just quite plain with a few journaling cards in it. I also keep my finances in it too (copies of my spreadsheets) lol.

    You'll have to let me know how you get on with it, I'm sure it will help with your mojo.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57
    DEBT 1 = £179.53/£35.60 DEBT 2 = £1181.80 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1065.66
    DEBT 7 = £1324.59 DEBT 8 = £6325.00 DEBT 9 £2774.49
    • doingitanyway
    • By doingitanyway 21st Oct 16, 9:16 PM
    • 1,015 Posts
    • 4,154 Thanks
    doingitanyway
    more budget rejigging
    Iím still feeling pants but I need to get back in the game because the truth is unless I do it debt wise it simply wonít get done.

    Iíve tackled my budget AGAIN FOR THE ZILLIONTH TIME. Do you ever get sick of looking at the same figures over and over? Anyway, Iím not going to reduce my debt payments after all as I canít bear to move my DF date beyond 2017.

    I can do this. It just means I have to be super organised. To make matters worse I am joining fat club on Wednesday so that expense will have to come out of my £25 food shop and pocket money. So, £20 a week will be hard but possible, especially as I am doing budgeting for a big(ish) online shop once a month in addition.

    At the moment I donít have zumba energy but I should be able to manage yoga so Iím going back to that.

    Iíve been reading about a new organisation system called bullet journaling. Iíve yet to start and will probably use a rough notebook before using my lovely more expensive notebook, but looking at blogs on bullet journalling is inspiring me. I think like you Tink mine will be simple. Thanks for the encouraging words

    I guess Iím feeling I want change and weight is an outward projection of that. Iíve been looking about 106 for these past few weeks. Fat, tired and in debt. Guess what? Iím not accepting any of those, so Iím working on them all.

    Too tired now to catch up on other diaries so going to bed and will do so tomorrow

    I hope the weekend has begun well for you MSE folk
    DIA x
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 21st Oct 16, 9:20 PM
    • 44,824 Posts
    • 155,252 Thanks
    beanielou
    Don't be sad that you are working on the things that you are not happy with.
    Be positive and be proud.
    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***
    • Tinkerbelle2000
    • By Tinkerbelle2000 22nd Oct 16, 7:41 PM
    • 467 Posts
    • 1,483 Thanks
    Tinkerbelle2000
    If you keep your bullet journal simple it is so much cheaper. Some of the planners out there are so expensive. I just use an A5 journal from Asda which does the trick.

    Can't wait to hear how you get on with it. I'm in the middle of putting together a tracker.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57
    DEBT 1 = £179.53/£35.60 DEBT 2 = £1181.80 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1065.66
    DEBT 7 = £1324.59 DEBT 8 = £6325.00 DEBT 9 £2774.49
    • doingitanyway
    • By doingitanyway 22nd Oct 16, 9:42 PM
    • 1,015 Posts
    • 4,154 Thanks
    doingitanyway
    Thanks beanielou you are right. I am taking the steps that count and I am happy to be doing so
    Tink I'm still looking at examples right now but I will start soon and let you know. Your enthusiasm is catching

    Tonight I am pleased to have had my last day of work. I am looking forward to my 2 days off now. I will batch cook tomorrow. I don't have a proper menu plan but I'll be cooking/making the following tomorrow:

    Chicken, lentil and veggie soup
    Red beans, potatoes and pardon peppers
    Broccoli
    Quinoa
    Buckwheat pasta, bacon and tomato sauce (use some for chilli con carne)
    Aubergine, cashew meal and meat balls (freeze some)
    Buckwheat blinis
    Chilli con carne (freeze some)
    Cashew milk

    So that's me today, getting ready for a new week that will involve fat club and yoga

    I hope your Saturday is what you need it to be
    DIA x
    Last edited by doingitanyway; 23-10-2016 at 8:05 AM.
    JANUARY 2016/SECURED DEBT=23,322/OCTOBER 2016=15,327 or 34.5% PAID
    MORTGAGE FREE 25/07/16
    • brizzledfw
    • By brizzledfw 23rd Oct 16, 9:11 AM
    • 6,278 Posts
    • 29,922 Thanks
    brizzledfw
    Ooh....have just googled Bullet journalling.....sounds very exciting and very me...maybe what I have been looking for all this time

    Thanks folks xxxx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • brizzledfw
    • By brizzledfw 23rd Oct 16, 9:11 AM
    • 6,278 Posts
    • 29,922 Thanks
    brizzledfw
    PS. Nice menu there DIA...any room for visitors this week

    X
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    New debt: £10,000 0% ;
    Declutter 50 items before 31.12.16 xx/50 ** LSDs Target 10 for December xx/10 **AFDs xx/17
    **NSDs Target 6 for December xx/6
    • Tinkerbelle2000
    • By Tinkerbelle2000 23rd Oct 16, 12:02 PM
    • 467 Posts
    • 1,483 Thanks
    Tinkerbelle2000
    Ooh....have just googled Bullet journalling.....sounds very exciting and very me...maybe what I have been looking for all this time

    Thanks folks xxxx
    Originally posted by brizzledfw
    Hope you enjoy it half as much as I do, has made me so much more organised.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57
    DEBT 1 = £179.53/£35.60 DEBT 2 = £1181.80 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1065.66
    DEBT 7 = £1324.59 DEBT 8 = £6325.00 DEBT 9 £2774.49
    • Tinkerbelle2000
    • By Tinkerbelle2000 23rd Oct 16, 12:04 PM
    • 467 Posts
    • 1,483 Thanks
    Tinkerbelle2000
    DIA, just thought after reading your post that you could add a menu planner in as well, I have meals at the bottom of each day. Also you could record your weight loss as an incentive, I've seen a lot of people do this.

    Hope this helps.

    Tink xx
    LBM 11/08/15 - Total Debt Owing:- £10338.89 01/11/16 - £13996.57
    DEBT 1 = £179.53/£35.60 DEBT 2 = £1181.80 DEBT 3 = £253.38
    DEBT 4 = £725.02 DEBT 5 = £166.10 DEBT 6 £1065.66
    DEBT 7 = £1324.59 DEBT 8 = £6325.00 DEBT 9 £2774.49
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