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  • FIRST POST
    • doingitanyway
    • By doingitanyway 14th Jan 16, 5:50 PM
    • 2,089Posts
    • 9,669Thanks
    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; 05-11-2017 at 7:25 PM.
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,490
    MORTGAGE FREE 25/07/16
Page 72
    • doingitanyway
    • By doingitanyway 11th Jun 17, 12:10 PM
    • 2,089 Posts
    • 9,669 Thanks
    doingitanyway
    daring myself
    I deliberately planned a weekend of nothing to combat all the stress this week. So a slow morning so far just a few catch up calls to friends in other parts of the world.

    So, time to think.

    I came across a holiday (not had one abroad in 2 years) It is from just before Christmas to just after new year. I really dislike Christmas for difficult reasons I won't bore you with. Then add in sitting in more, the cold, too much TV, the duty of the season...I could go on. It is great with little ones around but that is not my reality.

    Anyway, I saw a holiday walking in the mountains of Portugal (Algarve) The idea of walking and being outside and starting the new year healthier really appeals. I could avoid the whole Christmas/New Year season and have a new experience. I have never holidayed alone but this is with a company specialising in walking holidays so there would be other people in the group I could get to know. I could be mountain walking on Christmas day instead of watching The Wizard of Oz with the windows closed and the heating on.

    It would be nice to field all the Christmas invites by saying 'I can't, sorry, I'll be walking in the mountains in Portugal'

    I'm kind of daring myself to do it...

    It would set my DF date back by a month. It might be worth it?

    Just thinking...

    I hope you are enjoying your Sunday
    Last edited by doingitanyway; 11-06-2017 at 11:10 PM. Reason: daring myself
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,490
    MORTGAGE FREE 25/07/16
    • Fortune Smiles
    • By Fortune Smiles 11th Jun 17, 4:12 PM
    • 2,570 Posts
    • 21,136 Thanks
    Fortune Smiles
    That sounds amazing DIA - Portugal gets my vote

    Fortune x
    Mortgage: 2.02% paid House Deposit Contribution: 84% Emergency Fund: 43%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • parsniphead
    • By parsniphead 11th Jun 17, 4:30 PM
    • 2,239 Posts
    • 14,227 Thanks
    parsniphead
    One month is nothing. If you want to do it then go on.

    It would be a wonderful experience and you would start the year refreshed.
    My August to Christmas challenge:.
    Pay off £2500 debt - £1088/2500 43.52%
    Completely declutter the house by Christmas day...all of it.

    Nothing gets better until you get better.
    • hex2
    • By hex2 11th Jun 17, 7:20 PM
    • 4,683 Posts
    • 79,669 Thanks
    hex2
    Another vote for Portugal. We went years ago when DS1 was in a rucksack and walked a lot near Estoi. It was lovely. Indeed the only 'us' photo on display in this house is one of OH, baby and mountain side from that (spring 2004) holiday.
    'If you have a garden and a library, you have everything you need' Marcus Tullius Cicero
    • beanielou
    • By beanielou 11th Jun 17, 7:56 PM
    • 48,483 Posts
    • 178,345 Thanks
    beanielou
    Go for it.
    As life is way too short not too.
    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***
    • JoJoC
    • By JoJoC 11th Jun 17, 9:03 PM
    • 1,241 Posts
    • 4,012 Thanks
    JoJoC
    Do it! You must!

    That sounds like an amazing experience and it gets you away from a difficult time, so I say book it before you change your mind!
    CC1: £3804.52 / £3704.32 £100.20 paid | CC2:£5027.53 / £4927.48 £100.05 paid | Loan: £15,000 / £13,932.24 (£1067.76 paid)

    July debt total: £23,832.05 | New debt total: £22,564.04 | Total debt paid: £1,268.01 (5.3%)
    *My debt busting and savings diary*
    • ada-or-ardor
    • By ada-or-ardor 11th Jun 17, 9:52 PM
    • 131 Posts
    • 528 Thanks
    ada-or-ardor
    Totally, just do it. I so get you on the Christmas thing. I always spend it with OH's family (who I adore) but sometimes the emotion of Christmas just makes me dream of being able to spend it somewhere alone, completely away from the pretense and forced happiness....! One month is nothing in the grand scheme of things :-)
    • erin_transport
    • By erin_transport 11th Jun 17, 10:01 PM
    • 322 Posts
    • 1,534 Thanks
    erin_transport
    Sounds amazing!
    Why suffer the terrible tv, Brussel sprouts and bitter cold rain when you can have a fabulous adventure!!!
    On a mission!
    • doingitanyway
    • By doingitanyway 11th Jun 17, 11:27 PM
    • 2,089 Posts
    • 9,669 Thanks
    doingitanyway
    not so crazy after all
    Thank you all

    You have helped make up my mind. It isn't a crazy idea after all.

    I will be paid in 2 weeks and if the holiday is still available I will book it. If I had a credit card I would have booked it today. Then again if I had a credit card my debt would not be the lowest it has been in in 6 years.

    I hope my courage doesn't fail me while I wait to be paid...

    Have a good week everyone
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,490
    MORTGAGE FREE 25/07/16
    • in need of direction
    • By in need of direction 11th Jun 17, 11:48 PM
    • 4,699 Posts
    • 26,472 Thanks
    in need of direction
    I'm with you on the cleaning and decluttering but have big plans for tomorrow.
    Mortgage at 01.01.14 £119,481.83 today £79,389.12, target £75,000 by 31/12/17 Offset fund today £4,055.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 8/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • doingitanyway
    • By doingitanyway 12th Jun 17, 9:37 AM
    • 2,089 Posts
    • 9,669 Thanks
    doingitanyway
    let's start the week
    OK, stairs and landings all hoovered and decluttered. Manky bathroom mat in the washing machine. Making veggie soup. All dishes clear

    Yellow sticker bargains from MnS yesterday

    Scallops 14.30 to 3.60
    Free range
    chicken fillets 5.00 to 1.25
    Minced beef 4.25 to 1.10 X2
    Strawberries 3.00 to 1.10
    Mussels in
    sauce 5.00 to 1.50


    £35.70 for £9.65

    Also got 2 beautiful mugs reduced from £12 to £3. They wrapped them in tissue paper and gave me 2 gift bags that have ribbons and are beautiful. These will be nice presents for colleagues at Christmas

    Confession? The shop where I got the mugs is where I went back for the duvet cover as there were only 3 left and I knew I would regret it if they were gone. SUPER EXPENSIVE I know…

    I seem to be in a spending, wanting touches of luxury mood when I need to be in a cleaning mood.

    INOD, Have you ring fenced today for mass cleaning?You seem to be making good progress, as are you Parsniphead

    I have a full coffee card (so free) so going to make time to use it today with a book

    The plan is to get my gym kit today too as I’ve been talking about this and getting nowhere FOREVER

    Happy Monday everyone.
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,490
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 13th Jun 17, 6:56 PM
    • 2,089 Posts
    • 9,669 Thanks
    doingitanyway
    Gratitude
    Gratitude thoughts...

    A new bank statement came for my debt today and I expected to feel pleased about seeing the total go down but it so nice to see the interest go down too

    I found a sweatshirt on sale 50% off that I can wear to go to the gym that will also do for gardening too

    Sunshine

    Earl Grey Rooibos tea

    The house is a state and needs LOTS of work. BUT, it is still wind and weather proof and I thank it for holding on until I can afford to give it some love

    I go into my office 9 days a month. I am grateful for being allowed to WFH so often

    I have a good job

    I have good health

    My debt is going down

    However your day went, I hope you have found things to be grateful for today too
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,490
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 13th Jun 17, 10:36 PM
    • 48,483 Posts
    • 178,345 Thanks
    beanielou
    Liking your gratitude post
    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***
    • parsniphead
    • By parsniphead 13th Jun 17, 10:46 PM
    • 2,239 Posts
    • 14,227 Thanks
    parsniphead
    Yes, the gratitude post was nice.

    Its too easy to miss the good when worrying about other things.

    Im very impressed with the yellow sticker shop. Well done.
    My August to Christmas challenge:.
    Pay off £2500 debt - £1088/2500 43.52%
    Completely declutter the house by Christmas day...all of it.

    Nothing gets better until you get better.
    • JoJoC
    • By JoJoC 14th Jun 17, 12:03 PM
    • 1,241 Posts
    • 4,012 Thanks
    JoJoC
    Loving the gratitude post! Inspiring, to say the least
    CC1: £3804.52 / £3704.32 £100.20 paid | CC2:£5027.53 / £4927.48 £100.05 paid | Loan: £15,000 / £13,932.24 (£1067.76 paid)

    July debt total: £23,832.05 | New debt total: £22,564.04 | Total debt paid: £1,268.01 (5.3%)
    *My debt busting and savings diary*
    • doingitanyway
    • By doingitanyway 14th Jun 17, 1:50 PM
    • 2,089 Posts
    • 9,669 Thanks
    doingitanyway
    London Town
    Taking care of present me
    I am doing intermittent fasting again for weight but also for all the other health benefits. I start eating at 12pm or 1pm and finish at 7pm or 8pm. I started this a few days ago and already not at all hungry in the morning. So far so good

    I am burning sage oil today. It is cleansing and used in many rituals in other cultures for spiritual cleansing. On a practical level it is antiseptic and it is fly season, and flies dislike it.

    Taking care of future me
    I found a Tai Chi group that meets on one of my non working days. It is not far away. I tried Tai Chi at a conference and found I really liked it. It is also recommended for stress and anxiety so I’ll give it a go…

    Food
    I’m eating vegan today. I actually craved veggies. So, I chopped up lots of fast cooking veggies and made a Thai red veggie curry. I cooked some turmeric quinoa and threw in a few sultanas to go with it. it looks beautiful even if I do say so myself

    I have some mushrooms that will not last much longer so going to do a mushroom, leek (and a handful of leftover quinoa) frittata for the fridge

    I have started to eat Lindt 85% chocolate. It only has 11grams of sugar and I find it impossible to eat more than a few squares

    After a period of poor eating good eating habits are returning

    Housework/garden
    All the usual drudgery done —dishes —washing —ironing

    Today I commit to four one hour gardening sessions. Off in to the wilderness I go. I will report back on my progress tonight!

    London Town
    I am feeling sorry for my home town. It is like a fighter that has not recovered from the last round of punches before being pummelled again. My thoughts are with all those who have lost loved ones.

    Take care MSE people xx
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,490
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 15th Jun 17, 9:51 PM
    • 2,089 Posts
    • 9,669 Thanks
    doingitanyway
    surprise development
    Just got home. A day of not eating or drinking enough due to not enough time. Weighing up a late night getting sorted for tomorrow and prepping a lunch so I eat properly tomorrow or going to bed and doing it in the morning.

    The good news is four students I am teaching are asking if I can tutor them privately. This is what I wanted to do next year when I go down to 4 days. I wasn't expecting it to come up now...I thought I would have to market myself.

    At the moment I feel I have too much going on. I don't know, but the money would help and bring me back to my debt free by the end of the year target instead of January 2018

    It's decided, going to spend an hour getting the house straight and prepping lunch and then fall asleep to Question Time.

    I hope you all in good spirits
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,490
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 15th Jun 17, 9:57 PM
    • 48,483 Posts
    • 178,345 Thanks
    beanielou
    Great boost from the students requests.
    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***
    • UncannyScot
    • By UncannyScot 16th Jun 17, 8:34 AM
    • 821 Posts
    • 4,135 Thanks
    UncannyScot
    Hiya,
    Just wanted to pop on and wish you luck with your appraisal today
    Have a lovely day
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • JoJoC
    • By JoJoC 16th Jun 17, 1:36 PM
    • 1,241 Posts
    • 4,012 Thanks
    JoJoC
    It's a nice boost that the students want you to tutor - do you have to let them know straight away? I think it's a fantastic opportunity (experience and bringing your DFD forward) but potentially not at the cost of your health?

    Worth a good long think about it, though. How much of a time commitment would it be?

    Hope you're feeding and hydrating yourself well today
    CC1: £3804.52 / £3704.32 £100.20 paid | CC2:£5027.53 / £4927.48 £100.05 paid | Loan: £15,000 / £13,932.24 (£1067.76 paid)

    July debt total: £23,832.05 | New debt total: £22,564.04 | Total debt paid: £1,268.01 (5.3%)
    *My debt busting and savings diary*
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