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  • FIRST POST
    • doingitanyway
    • By doingitanyway 14th Jan 16, 5:50 PM
    • 1,659Posts
    • 7,533Thanks
    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; 01-02-2017 at 10:05 PM.
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
Page 76
    • RosaBernicia
    • By RosaBernicia 10th Jul 17, 11:42 PM
    • 3,181 Posts
    • 8,114 Thanks
    RosaBernicia
    Heroic frog busting - so glad to hear things were easier than you thought, I hope things will stay better

    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 10th Jul 17, 11:46 PM
    • 1,659 Posts
    • 7,533 Thanks
    doingitanyway
    Heroic frog busting - so glad to hear things were easier than you thought, I hope things will stay better
    Originally posted by RosaBernicia
    Thanks Rosa. I hope so too.
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 11th Jul 17, 8:26 AM
    • 1,659 Posts
    • 7,533 Thanks
    doingitanyway
    frogs jumping all over the place
    I had to submit some creative work to an organisation. The deadline was Friday. I did it yesterday and gave my excuses. It was another frog. I am beginning to feel worn out at facing up to difficult stuff. My workman comes tomorrow morning. He will be putting up a blind in my kitchen and a few other jobs. I will be picking his brains too. I hope to get some contacts from him.

    On Sunday I was out and about at IK3A with a friend. We also went to a car boot sale. I had a great day but it was a day the house was ignored so my home is a disgrace. I am off work today so I will improve this situation.

    This is a busy week work-wise so I need to keep up. I think I will get my case out and begin packing so I am not in a mad rush when I go away

    I tried to open a new account but they wanted a phone number before I could make an appointment and I still don’t have a phone. I am thinking of a credit union account but I found it hard to access my money last time and if there was an emergency it might be an issue. My existing bank has savings accounts but when I use them it is too easy to access the funds. I need to think about this…

    Dave Ramsey says £500 or £1,000 but I think I will try and keep £100 in cash in the house as a mini emergency fund too

    I don't know why, but my £8,800 debt figure is annoying me. It has only been a few weeks at that level but I am ready to see it drop again.

    I have healthy food in. I have fruit, veggies, soups, natural yoghurt and salad stuff. I am therefore eating well

    I have a lot on this week so I need to be organised but all is well so far

    I hope your week is going well too
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
    • in need of direction
    • By in need of direction 11th Jul 17, 8:46 AM
    • 4,420 Posts
    • 24,700 Thanks
    in need of direction
    I keep £200 in Bank of England notes in the house just in case. It was so useful when dd was sent to London to look after DS when he broke both wrists. The fact that it was spent eating out in places like wahaca is neither here nor there. You never know when bank systems might fail so a small amount of cash is good.
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • parsniphead
    • By parsniphead 11th Jul 17, 9:37 AM
    • 1,984 Posts
    • 12,701 Thanks
    parsniphead
    Keeping an amount of cash in the house is a great idea. It's something I don't do but will change. You never know.

    I have a credit union account which does transfer money electronically but it's done the next working day which is a bit of a pain but stops frivolous spending. It's a pain to pay money in. It's either cash over the counter or electronically with a £10 max deposit, what use is that. Good luck with finding the right account for you.

    Your debt is coming down amazingly well and your mortgage free. Don't forget you inspire us lesser mortals.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • beanielou
    • By beanielou 11th Jul 17, 9:42 AM
    • 46,547 Posts
    • 165,435 Thanks
    beanielou
    Yes, CU has pros and cons.
    I currently have two quid in mine
    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***
    • in need of direction
    • By in need of direction 11th Jul 17, 2:00 PM
    • 4,420 Posts
    • 24,700 Thanks
    in need of direction
    i just opened mine with £50 to get the life insurance cover
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • doingitanyway
    • By doingitanyway 11th Jul 17, 5:57 PM
    • 1,659 Posts
    • 7,533 Thanks
    doingitanyway
    reflective mode
    Thanks people, so helpful. I will be keeping an emergency account in the house. A small amount in the credit union (I will check for the life insurance INOD) for now and then this will be used to build my 3-6 month savings at a later date. I will use one of my own bank's savings accounts but I will be changing my attitude to dipping in when it is not an emergency!

    An edgy day for me so I haven’t achieved much. But hey ho, every day cannot be about achievement.

    I have been listening to Dave Ramsey whilst I pottered. He makes sense. I need to get my emergency savings in place. I do.

    I am going away for my Oxford residential course soon and I am wondering how I can stretch my money that week as evening meals will have to be purchased. It will be fine, but it has made me realise I have been struggling financially for such a long time.

    I have attended some great things, but I have worried about purchasing an outfit. Or I have been to events where I have been hungry and insisted I was fine with a coffee whilst others ate around me.

    I’m not feeling sorry for myself. I am very lucky to have had so many invites to so many great things. I am just realising I will soon(ish) be debt free and then for the first time in decades I will be able to go somewhere nice and not worry about clothes or transport costs or food and drink.

    And won’t that be nice

    I hope you had a good day reader
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
    • parsniphead
    • By parsniphead 11th Jul 17, 6:34 PM
    • 1,984 Posts
    • 12,701 Thanks
    parsniphead
    Yes, it will be wonderful and you will deserve every moment of it.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • in need of direction
    • By in need of direction 11th Jul 17, 9:43 PM
    • 4,420 Posts
    • 24,700 Thanks
    in need of direction
    just make sure you let us live vicariously and tell us about it
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • doingitanyway
    • By doingitanyway 12th Jul 17, 5:09 PM
    • 1,659 Posts
    • 7,533 Thanks
    doingitanyway
    a positive day
    Awww, thanks INOD and Parsniphead

    I had a workman come today. As he was due I tackled the yucky cupboard under the sink. I have avoided this cupboard for a year! Now it is clean and sparkly

    He charges £25 an hour which I think is expensive, but just for 1 hour suits me as I can put up with him 1 hour. He is very good and works well. He put up a blind in my kitchen. It will be nice not to be looked in at. He also put up a mirror with a small shelf in the loo. He checked the pipes under my sink. The waste pipe needs a new collar apparently so I will add that to the list for a plumber when I eventually get one

    The whole experience was stress free.

    I had my teeth cleaned by the hygienist. Twenty minutes for £54! But cheaper than implants so I choose to look at it that. I had a good report that my teeth and gums have improved. I have changed my toothbrush to an automatic round head and begun adding interdentals dipped in water with a few drops of tea tree oil. I told the hygienist and she said whatever I am doing it is working so keep doing it. I am dropping to 4 months now instead of 3 saving £54 a year

    Treated myself to a cup of tea and £10 meal deal. Frozen most of the meal. I always get potato rostis and freeze them as they are delicious for a weekend brekkie with and egg on top and a giant mushroom

    I walked to save 2 bus fares

    A good day for me where I did what I said I would and all went well

    I hope you had a good day too reader
    Last edited by doingitanyway; 12-07-2017 at 5:11 PM.
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
    • parsniphead
    • By parsniphead 12th Jul 17, 5:29 PM
    • 1,984 Posts
    • 12,701 Thanks
    parsniphead
    Thats good DIA if he did all those jobs for £25. Its a great idea to keep in mind for future.

    Well done on the sparkly cupboard.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • beanielou
    • By beanielou 12th Jul 17, 7:22 PM
    • 46,547 Posts
    • 165,435 Thanks
    beanielou
    Great news on the man who does jobs
    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***
    • in need of direction
    • By in need of direction 12th Jul 17, 10:29 PM
    • 4,420 Posts
    • 24,700 Thanks
    in need of direction
    i'm not a fan of rosti at all. think it might be due to my love of potato bread
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • doingitanyway
    • By doingitanyway 13th Jul 17, 10:15 PM
    • 1,659 Posts
    • 7,533 Thanks
    doingitanyway
    i'm not a fan of rosti at all. think it might be due to my love of potato bread
    Originally posted by in need of direction
    I love potato bread but not I can't eat bread
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 13th Jul 17, 10:18 PM
    • 1,659 Posts
    • 7,533 Thanks
    doingitanyway
    an ending approaches
    I made it through a tough day at work and then I taught my evening class. It all went well. I am thankful. It seems like the other day I was considering whether I could do it and now it is almost over…Roll on the end of the month when the college pays me

    I got food wrong after all my planning. So after a salad at 1pm and no breakfast and no supper it is nearly 10pm and I am eating almonds and a piece of smoked fish. Guess who will be sleeping badly after that?

    I wrote my official letter of the week and posted it. This one was to complain about my garden waste not being picked up.

    I checked my bank balances. Not good news I had a few expensive outgoings in July: An Ocad0 shop/renewing garden waste service/some new clothes/A few IK3A items/train tickets. It all adds up…

    I am going to watch QT and then hopefully sleep. One more day to go and then I can breathe out

    I hope your day went well reader
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 13th Jul 17, 10:24 PM
    • 46,547 Posts
    • 165,435 Thanks
    beanielou
    Well done on first official letter of week.
    Cant believe that your evening classes are nearly done.
    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 13th Jul 17, 10:26 PM
    • 1,659 Posts
    • 7,533 Thanks
    doingitanyway
    Well done on first official letter of week.
    Cant believe that your evening classes are nearly done.
    Originally posted by beanielou
    Thanks beanielou. I can hardly believe it myself...
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
    • in need of direction
    • By in need of direction 13th Jul 17, 10:37 PM
    • 4,420 Posts
    • 24,700 Thanks
    in need of direction
    There's one brand of potato bread, possibly sunblest or ormeau that is gluten free.
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • doingitanyway
    • By doingitanyway 13th Jul 17, 10:42 PM
    • 1,659 Posts
    • 7,533 Thanks
    doingitanyway
    There's one brand of potato bread, possibly sunblest or ormeau that is gluten free.
    Originally posted by in need of direction
    I will check it out. I might try and make a loaf using buckwheat flour and potato. How I miss good bread...
    JANUARY 2016/SECURED DEBT=24,822/June 2017=8,800
    MORTGAGE FREE 25/07/16
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