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  • FIRST POST
    • doingitanyway
    • By doingitanyway 14th Jan 16, 5:50 PM
    • 1,879Posts
    • 8,535Thanks
    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/September 2017=6,448
    MORTGAGE FREE 25/07/16
Page 85
    • doingitanyway
    • By doingitanyway 7th Sep 17, 8:27 AM
    • 1,879 Posts
    • 8,535 Thanks
    doingitanyway
    Another tip is to put a sheet over a door to dry/air.
    Originally posted by beanielou
    I will do that. Thank you.
    JANUARY 2016/SECURED DEBT=24,822/September 2017=6,448
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 7th Sep 17, 8:30 AM
    • 1,879 Posts
    • 8,535 Thanks
    doingitanyway
    debt reduction :)
    I made a payment to debt of £200. It felt good to make debt payments outside of my payday

    Have a good day reader
    JANUARY 2016/SECURED DEBT=24,822/September 2017=6,448
    MORTGAGE FREE 25/07/16
    • JoJoC
    • By JoJoC 7th Sep 17, 1:29 PM
    • 1,193 Posts
    • 3,709 Thanks
    JoJoC
    That's awesome! Well done you

    It's nice to see that debt figure come down, especially when it's somewhat unexpected.
    CC1: 3,774.32/4,200 | CC2: 5,077/5,393 | Loan: 7,430/15,000
    Total: 16,292.57/20,032 Paid since Feb17: 3,739 or 18.66%

    Mummy of two boys - Working hard to make better financial choices!
    *My debt busting and savings diary*
    • beanielou
    • By beanielou 7th Sep 17, 3:24 PM
    • 47,244 Posts
    • 169,845 Thanks
    beanielou
    Great news on another payment
    You will be in the 5's before you know it
    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 7th Sep 17, 3:39 PM
    • 1,879 Posts
    • 8,535 Thanks
    doingitanyway
    That's awesome! Well done you

    It's nice to see that debt figure come down, especially when it's somewhat unexpected.
    Originally posted by JoJoC
    Thanks JoJo, the extra money came from the private classes I nearly gave up until you gave me a new plan of action
    Great news on another payment
    You will be in the 5's before you know it
    Originally posted by beanielou
    I know! I will! So exciting. Thanks Beanielou
    JANUARY 2016/SECURED DEBT=24,822/September 2017=6,448
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 8th Sep 17, 8:53 AM
    • 1,879 Posts
    • 8,535 Thanks
    doingitanyway
    goal-less
    Good morning Campers

    I had a bad afternoon at work yesterday and then I did not have a good hospital visit last night so I went to sleep stressed. I woke up feeling upset and negative and ruminating on past events I cannot alter.

    I caught myself in time and changed the direction I was heading in. Literally. I got on a train at 6.30am and went for a coffee and then I bought some iron as my iron and B levels may be contributing to my state of mind. I popped into Lid1 too for green veg. Last night I got lots of YS protein, reduced from £4.15 to £1.00. I stocked up my freezer but there were no veggies to be had.

    I now have an insulated bag with me in case I need to purchase YS items when I am not heading straight home. This seems a bit sad. I’d rather have Chanel no 5 in my bag or a passport in case an exciting opportunity presents itself

    The weather is gloomy so I have lit a candle and added fairy lights to the room I will be working in today.

    A new private work opportunity has arisen. I don’t want to be overcommitted. This would have been perfect if it was next year when I could drop my working days. Life happens at its own pace with little regard for my plans. I will need to think about it.

    I am meeting a friend tonight for coffee and catching up with another for a call too. I might talk it through with them.

    I need to take some action on the house in some way. I will set new goals over the weekend.

    Have a good ending to your week reader
    JANUARY 2016/SECURED DEBT=24,822/September 2017=6,448
    MORTGAGE FREE 25/07/16
    • JoJoC
    • By JoJoC 8th Sep 17, 9:49 AM
    • 1,193 Posts
    • 3,709 Thanks
    JoJoC
    Sorry to hear you had a bad day yesterday - i'm so glad you managed to pull yourself out of your negative feelings though and distracted yourself with activity. Feeling a bit better now I hope?

    Wow - look at you! So in demand! I know it feels overwhelming but you're doing the right thing taking your time to consider it and talk it over with a friend. Also, i think you should take a moment to really look at what you have achieved so far and appreciate that these opportunities have only come your way because of the hard work that you've put in. You should pat yourself on the back!

    The weather is gloomy here too - I could do with a beautifully smelling candle to perk me up but I'm in the office today so no can do.

    I hope you have a lovely weekend!
    CC1: 3,774.32/4,200 | CC2: 5,077/5,393 | Loan: 7,430/15,000
    Total: 16,292.57/20,032 Paid since Feb17: 3,739 or 18.66%

    Mummy of two boys - Working hard to make better financial choices!
    *My debt busting and savings diary*
    • beanielou
    • By beanielou 8th Sep 17, 6:47 PM
    • 47,244 Posts
    • 169,845 Thanks
    beanielou
    Just remember how far you have come
    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***
    • Eager_Elephant
    • By Eager_Elephant 9th Sep 17, 8:15 AM
    • 4,081 Posts
    • 21,904 Thanks
    Eager_Elephant
    Just catching up for the week - well done on an extra mid-month payment to the debt.

    Fingers crossed the squirrels have gone permanently - who knew a radio would be all it took??

    I walk through a park on my way to and from work and occasionally would see a squirrel, yesterday there were loads of them mainly collecting nuts but two of them were playing chase round a tree trunk - it was lovely to watch. This tree was massive, probably 10ft circumference with many undulations and these 2 squirrels were up and down, round and round for ages. They looked like they were having fun.

    Hope you have a good weekend.
    Ninja Saving Turtle No. 20 for August
    NSD - 0/18
    (up to 01/09/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • doingitanyway
    • By doingitanyway 9th Sep 17, 9:06 PM
    • 1,879 Posts
    • 8,535 Thanks
    doingitanyway
    Wow - look at you! So in demand! I know it feels overwhelming but you're doing the right thing taking your time to consider it and talk it over with a friend. Also, i think you should take a moment to really look at what you have achieved so far and appreciate that these opportunities have only come your way because of the hard work that you've put in. You should pat yourself on the back!
    Originally posted by JoJoC
    Thanks JoJo
    Just remember how far you have come
    Originally posted by beanielou
    Thanks Beanielou
    Just catching up for the week - well done on an extra mid-month payment to the debt.
    Fingers crossed the squirrels have gone permanently - who knew a radio would be all it took??
    Originally posted by Eager_Elephant
    Thanks Eager Elephant I can't normally pay off debt any time other than pay day so it did feel nice!
    Yey to the radio. I might also look for those sonic things to keep them away until the roof is fixed
    Last edited by doingitanyway; 09-09-2017 at 9:12 PM.
    JANUARY 2016/SECURED DEBT=24,822/September 2017=6,448
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 9th Sep 17, 9:32 PM
    • 1,879 Posts
    • 8,535 Thanks
    doingitanyway
    Today I went to the hospital again. My Darling niece is so sick but I feel bad admitting I find the visits stressful, but there it is. I went after a tough day at work. I even got on the wrong train home so added and extra 45 minutes to the journey...

    I feel like I am losing control with the house and gardens and there isn't time to get to grips.

    I have booked 4 days off the week after next but I don't know if I can hold on that long. I have an overwhelming desire to stop the world and get off.

    I have a personal gym session booked tomorrow but I may cancel as I just need to stop...

    I keep thinking about dropping a day next year but the sums don't add up because of all I need to do on the house. Another option is to use my leave to do a 9 day fortnight. I am then left with 2 weeks holiday and 9 public holidays. (I get fairly average pay but great holiday entitlement now I have been there 5 years )I would then book a cleaner once a fortnight to help with the demands on me, but will that be enough to keep me from having regular meltdowns?
    JANUARY 2016/SECURED DEBT=24,822/September 2017=6,448
    MORTGAGE FREE 25/07/16
    • fay66
    • By fay66 9th Sep 17, 9:38 PM
    • 579 Posts
    • 1,309 Thanks
    fay66
    I know exactly whre you r comming from but look what you have a home and debts can be solved, I wish I owned my own home etc, Im working 40 hour week and dont see anything x
    Debts: 118118 loan £1900,
    CC Marbles, 4500, Aqua £850. Ocean 350, Cap 1, £95
    Payday loans, Sunny £200 x 5 months, Sterling £135, Wage adv £135 x 2 months
    Ex bancruptcy, 6 years up Dec 17
    • beanielou
    • By beanielou 9th Sep 17, 9:50 PM
    • 47,244 Posts
    • 169,845 Thanks
    beanielou
    A nine day fortnight sounds good.
    A cleaner sounds good too & if it lowers your stress levels & makes you feel more in control then all to the good

    I chucked four old pairs of shoes today which felt good

    Sorry that visiting DN is so stressful
    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 Sep 17, 9:57 PM
    • 1,879 Posts
    • 8,535 Thanks
    doingitanyway
    A nine day fortnight sounds good.
    A cleaner sounds good too & if it lowers your stress levels & makes you feel more in control then all to the good

    I chucked four old pairs of shoes today which felt good

    Sorry that visiting DN is so stressful
    Originally posted by beanielou
    Thanks beanielou. Well done on the shoes and a good reminder that decluttering really works for me too. I need to get back to it
    JANUARY 2016/SECURED DEBT=24,822/September 2017=6,448
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 9th Sep 17, 10:03 PM
    • 1,879 Posts
    • 8,535 Thanks
    doingitanyway
    I know exactly whre you r comming from but look what you have a home and debts can be solved, I wish I owned my own home etc, Im working 40 hour week and dont see anything x
    Originally posted by fay66
    I know Fay66. I am very lucky in many ways. I do have a home and I will be debt free sometime soon. At the moment I am working in a second job on my days off quite a bit and I just feel life is out of control. Sorry for moaning and I hope your situation improves soon.
    JANUARY 2016/SECURED DEBT=24,822/September 2017=6,448
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 9th Sep 17, 10:27 PM
    • 47,244 Posts
    • 169,845 Thanks
    beanielou
    You are not moaning.
    That is how you feel.
    Don't apologise for it.
    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 10th Sep 17, 12:00 PM
    • 4,579 Posts
    • 25,643 Thanks
    in need of direction
    Are compressed hours an option? Maybe half a days leave and four and a half days over four.
    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.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Cumbria lass
    • By Cumbria lass 10th Sep 17, 1:05 PM
    • 488 Posts
    • 1,250 Thanks
    Cumbria lass
    You sound how I did a couple of years ago. I went down to a nine day fortnight, all be it I ended up looking after my DGS. Loved it so much now do a 4 day compressed week. Yes the day is longer but knowing on Monday morning that I only have to get up till Thursday is very motivating.

    See what your employers offer.
    Aug 2017 CC1 £3549 CC 2 £1000

    Debt Free Nov 2019: earlier if I have my way
    • doingitanyway
    • By doingitanyway 11th Sep 17, 8:32 PM
    • 1,879 Posts
    • 8,535 Thanks
    doingitanyway
    Are compressed hours an option? Maybe half a days leave and four and a half days over four.
    Originally posted by in need of direction
    Unfortunately we work to a rota so I am unable to do compressed hours. My employer tries to be flexible in other ways and is generous with WFH days
    You sound how I did a couple of years ago. I went down to a nine day fortnight.
    See what your employers offer.
    Originally posted by Cumbria lass
    I can only do this if I use my leave but I think I will do that. Thank you.
    JANUARY 2016/SECURED DEBT=24,822/September 2017=6,448
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 11th Sep 17, 8:35 PM
    • 1,879 Posts
    • 8,535 Thanks
    doingitanyway
    The new plan 18/19
    Yesterday I was wiped out with a massive migraine. Lost a whole day I could ill afford to lose so now I have 1 free day off instead of 2. Pressure has been building for days. The migraine has gone but it feels like a storm passed through me and I feel wiped out but calm.

    I realise I got myself into a right old state.

    What has clarified for me is I cannot afford to reduce my days.

    No one has said 2 weeks holiday and 9 public holidays in a year isn’t doable so I might go with this plan.

    If I stay on a full salary in 2018 I can get a cleaner fortnightly and a gardener once a month as these are high stress factors for me.

    Any additional private work I will use to fund a 2 or 3 month sabbatical from January 2019 after which I will have worked on the house for a year and I can then afford to officially reduce my days to 4 days a week.

    The private work opportunity that came my way last week I thought carefully about. I told her I could not do it, but would she be willing to wait to 2018 when I could accommodate her? She said yes! This will fund me for a month of my sabbatical.

    I’ve caught up on washing dishes and I am washing sheets to drape over my patio doors tomorrow (thanks Beanielou for the idea) I will have to clean the patio doors first

    I hope your week started well reader
    JANUARY 2016/SECURED DEBT=24,822/September 2017=6,448
    MORTGAGE FREE 25/07/16
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