Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • MistyMountainTop
    • By MistyMountainTop 2nd Nov 16, 4:27 PM
    • 459Posts
    • 1,480Thanks
    MistyMountainTop
    Climbing the Mountain
    • #1
    • 2nd Nov 16, 4:27 PM
    Climbing the Mountain 2nd Nov 16 at 4:27 PM
    Hello! I have decided to start my own diary after being a long-time lurker. The inspiration on this forum is just lovely, maybe one day I can inspire someone too!

    I do not have any debt, but I have not a bean in savings, pensions, an ISA, equity in property, etc. I currently work part time and qualify for some benefits but am looking for a new or additional job that will bring in a higher wage. I am also looking for new ways to bring in money from the internet, I currently do online surveys and competitions but am not yet seeing much of a return for the amount of time I have put in, so I am not sure if I will continue. I am very good at pinching the pennys so increasing my wages is probably the best way forward.

    My main goal is to buy my very own property. I have been renting for decades, and now feel ready and excited to take on the challenge of saving as much as possible for a house deposit or even to buy something with cash. I would love to move to the wilds of Wales where I could live on the top of a misty mountain, but at my age, a retirement flat in Rhyl may be more practical. I am tempted by Ilona's lovely life in North Lincolnshire, so I will keep my options open for now. As long as I have a chimney and a wood burning stove, the animals and I will be happy!

    Thank you for stopping by and please say hello!
    ------------------------------------------------------------------------------------

    Updated with 2017 list of goals so I can see them and edit as the year goes along.

    1.Bring in extra £600 a month minimum, increasing income month on month
    2. Actively explore new ways to achieve above
    3. Finish the big de-clutter properly - anything sold, transfer money over to savings after bills are paid so it doesn't get spent
    4. Keep a spending diary in handbag, update after every purchase, review at end of each month
    5. Clean entire house thoroughly and set up a regular cleaning schedule, possibly join flylady
    6. Make and stick to Meal Plans / shopping lists / food budget
    7. Schedule No Spend days/weeks
    8. Transfer odd change to savings account every day
    9. Wombling
    10. Keep Debt-Free diary updated
    11. Budget – make and stick to
    12. Eat proper breakfast/lunch mainly fruit and veg, eat smaller portions for dinner, less carbs/sugar, puddings on special occasions only
    13. Cook most/all meals from scratch
    14. Meatless meals twice a week, increasing as we find recipes we love
    15. Bake once a week
    16. Get off laptop and live in the real world, severely limit online time wasting
    17. Lose 10lbs a month until reaching ideal weight, then maintain it
    18. Take at least 3 long walks a week
    19. Find a local yoga class and give it a try
    20. Figure out how to get a good nights sleep during the change
    21. Build up immune system/personal health
    22. Think before buying, is it really wanted/needed/useful/going to ruin my diet?
    23. Read all books I already own before buying/borrowing more
    24. Ziffit all unwanted books/games/DVDs
    25. Learn a new craft/skill i.e. knitting, quilting, or needlework
    26. Be more present in life, make a point of really listening when people talk
    27. Save for a week away with the family in a secluded holiday cottage in the country
    28. Save up and keep £500 in emergency fund, replenish if spent
    29. Keep on top of filofax planner and spend 10 minutes going over my calender/goals/lists every morning or possibly even the night before.
    30. Have a weekly de-clutter day or half day
    Last edited by MistyMountainTop; 31-12-2016 at 12:46 PM.
Page 15
    • Purplemumof2
    • By Purplemumof2 9th Mar 17, 12:07 PM
    • 4,346 Posts
    • 13,094 Thanks
    Purplemumof2
    Small steps hun.

    The weather is gorgeous, wish I was at home rather than in the office. Enjoy the sunshine


    Hope I don't bore you too much over the move.....xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8150.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • EssexHebridean
    • By EssexHebridean 9th Mar 17, 3:44 PM
    • 7,107 Posts
    • 37,813 Thanks
    EssexHebridean
    You flipping well HAVE done some of the things on that list - and you've started on others until the ill health got in the way!

    weather here is also gorgeous - and like PM02 I also wish I was out in it not at my desk!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£276.01
    • MistyMountainTop
    • By MistyMountainTop 9th Mar 17, 8:03 PM
    • 459 Posts
    • 1,480 Thanks
    MistyMountainTop
    Thanks both - I did get two small things done that I've been putting off for a while, and have a job planned for tomorrow as well. I need to get back into the habit of goal setting every day, I haven't opened my filofax in weeks.
    Current Weight Loss: 2/ 96
    • MistyMountainTop
    • By MistyMountainTop 10th Mar 17, 11:13 AM
    • 459 Posts
    • 1,480 Thanks
    MistyMountainTop
    Along with the non filofax use, I've realised that I haven't been posting on my diary daily or twice daily as I used to. Posting my daily goals made me feel accountable and more often than not I was able to complete or exceed whatever I wanted to do for the day. I have a very busy weekend but on Monday I am going to try to start posting daily again. I'm sure getting back into the habit of completing little goals will start the motivation rolling...

    Smolly, if you are reading this, I really miss seeing you on the board!
    Current Weight Loss: 2/ 96
    • EssexHebridean
    • By EssexHebridean 13th Mar 17, 1:05 PM
    • 7,107 Posts
    • 37,813 Thanks
    EssexHebridean
    I was wondering about Smolly too - really hope everything is OK there.

    I suspect you're right about being able to re-spark the motivation by feeling like you're getting stuff done in the first place.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£276.01
    • MistyMountainTop
    • By MistyMountainTop 13th Mar 17, 7:55 PM
    • 459 Posts
    • 1,480 Thanks
    MistyMountainTop
    So much for my diary postings today - I forgot I had an appt that took a good chunk of the day and while I was out I did other errands.

    So the plan is now to get back on track tomorrow.
    Current Weight Loss: 2/ 96
    • EssexHebridean
    • By EssexHebridean 14th Mar 17, 11:32 AM
    • 7,107 Posts
    • 37,813 Thanks
    EssexHebridean
    C'mon then....where are you?!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£276.01
    • MistyMountainTop
    • By MistyMountainTop 14th Mar 17, 2:04 PM
    • 459 Posts
    • 1,480 Thanks
    MistyMountainTop
    *hangs head in shame

    I am actually sorting out lots of paperwork and was trying to stay offline so I didn't get distracted. I still have at least an afternoon's worth of sorting left so will leave it there for today.

    The house is a mess so will concentrate a bit more on that later in the week but sorting the paperwork is my top priority at the moment. It feels good to be getting something done, and I do feel more motivated and determined to get on with it. I have more energy too but that could be down to the 5 cups of coffee
    Current Weight Loss: 2/ 96
    • Scott_Weiland
    • By Scott_Weiland 14th Mar 17, 3:05 PM
    • 270 Posts
    • 467 Thanks
    Scott_Weiland
    5 coffees good luck �� sleeping later x
    Debts 16349.33
    • EssexHebridean
    • By EssexHebridean 14th Mar 17, 3:23 PM
    • 7,107 Posts
    • 37,813 Thanks
    EssexHebridean
    Yeah 5 cups of coffee would do it! Mind you I think I'd need that to tackle a day of sorting out paperwork, too!

    Motivation and energy though - good stuff!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£276.01
    • Purplemumof2
    • By Purplemumof2 14th Mar 17, 3:24 PM
    • 4,346 Posts
    • 13,094 Thanks
    Purplemumof2
    *hangs head in shame

    I am actually sorting out lots of paperwork and was trying to stay offline so I didn't get distracted. I still have at least an afternoon's worth of sorting left so will leave it there for today.

    The house is a mess so will concentrate a bit more on that later in the week but sorting the paperwork is my top priority at the moment. It feels good to be getting something done, and I do feel more motivated and determined to get on with it. I have more energy too but that could be down to the 5 cups of coffee
    Originally posted by MistyMountainTop

    Nothing to be ashamed of hun

    Do you want to sort all my paperwork out when you've done yours? lol
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8150.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • MistyMountainTop
    • By MistyMountainTop 14th Mar 17, 5:11 PM
    • 459 Posts
    • 1,480 Thanks
    MistyMountainTop
    I've switched to tea now and have put the paperwork away to finish tomorrow. I got a fair lot done though and am pleased with the progress.

    Hopefully I won't have too much trouble sleeping, generally I'm ok as long as I don't have any caffeine after 5:00pm. I don't normally drink that much coffee but it did keep me awake and focused on the work. I went out for a quick walk after lunch and was able to get back to my faster pace, I suppose this may have been the coffee too but I just felt good in general, no aches or pains and quite energetic. It seems a long time since I've been able to say that! I'm sure the warmer weather is helping, too.
    Current Weight Loss: 2/ 96
    • EssexHebridean
    • By EssexHebridean 15th Mar 17, 9:49 AM
    • 7,107 Posts
    • 37,813 Thanks
    EssexHebridean
    That's excellent then Misty - and yes I totally agree about the warmer/brighter weather making a difference. Lighter evenings too - and not long now until we change the clocks so even MORE useable daylight!

    Good luck with getting through the rest of the paperwork today!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£276.01
    • MistyMountainTop
    • By MistyMountainTop 15th Mar 17, 9:58 AM
    • 459 Posts
    • 1,480 Thanks
    MistyMountainTop
    I slept well, thankfully! I'll try not to drink more than 2-3 cups of coffee today. 5 was a bit much.

    This morning I am going to do more paperwork, then start work on sorting out the mess in the house in the afternoon. It's gone back to being a bomb site and will take a few days or more to get back to how it was before Christmas. I have a healthy dinner planned with all ingredients already in the fridge so aside from a mid day walk, I won't be leaving the house.

    I decided it was time to bit the bullet and weigh myself. I have gained 10lbs which is so disappointing, I've been eating fairly healthily, though not really paying much attention while I was sick. The lack of exercise must have played a big part, some days I barely moved off the sofa. It feels good to have finally faced up to it, and now I can concentrate on doing something about it.
    Current Weight Loss: 2/ 96
    • MistyMountainTop
    • By MistyMountainTop 16th Mar 17, 9:17 AM
    • 459 Posts
    • 1,480 Thanks
    MistyMountainTop
    I've got paperwork and coffee planned for this morning, then a quick walk and an hour tidying up the house when I'm back.

    I need to spend some time this afternoon on a project I committed to before I had to sell my equip, mainly trying to find someone who will let me borrow or cheaply rent me theirs. I still haven't been able to come up with a plan to replace it and without the extra money coming in from new jobs, everything we earn is going on basic bills, etc, in fact I'm not even bringing in enough to cover those at the moment. I'm going to have to have another root around and see what else I can sell on evilbay...

    I have no plan for dinner yet, so best get that sorted this morning!

    Even though things are tight again at the moment, being able to get up and move around with some energy and very little pain is wonderful and has put me in a more optimistic frame of mind. I'm going to have to be much more careful about not doing too much, I'd like to avoid another setback like the last one if it's at all possible!
    Current Weight Loss: 2/ 96
    • MistyMountainTop
    • By MistyMountainTop 17th Mar 17, 10:59 AM
    • 459 Posts
    • 1,480 Thanks
    MistyMountainTop
    I have a few errands to do today so will walk into town and count that as my daily walk. Aside from that I'm mainly doing housework, boring but I can finally see a teeny difference in the mess after yesterdays tidying up.

    I'm working tonight, I'm going to ask if there are any extra hours going. I still haven't found a solution to my lack of equipment, I called a rental place who would charge me more to rent what I need then the job would bring in. The only things I have of real value to sell are more bits of equipment that I need for the jobs, so there is no point selling them unless I decide to jack in the whole project. I don't want to though, it's something I enjoy and I was just starting to bring in some money from it, it could eventually turn into a full time job which would be amazing.
    Current Weight Loss: 2/ 96
    • Purplemumof2
    • By Purplemumof2 17th Mar 17, 12:17 PM
    • 4,346 Posts
    • 13,094 Thanks
    Purplemumof2
    Hi Misty,


    Hope you enjoy your walk, it's always nicer in the sunshine


    No advise over the quandry, I'm sorry but if you can get a permanent position out of it, I can understand your reluctance to sell the items xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £8150.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • MistyMountainTop
    • By MistyMountainTop 18th Mar 17, 12:57 PM
    • 459 Posts
    • 1,480 Thanks
    MistyMountainTop
    Yes I definitely want to keep what I do have, I really enjoy the work which I cannot say about my present job and it pays much better too. I just need to find a way to bring in around £500 to replace what I sold ASAP.

    I worked extra hours last night because someone went home ill, aside from sickness there are no more hours available. I'm shattered today, the house is a bombsite but I am too tired to do anything about it. I'm going to sit in my chair, drink tea, watch telly and maybe have a little nap.
    Current Weight Loss: 2/ 96
    • MistyMountainTop
    • By MistyMountainTop 20th Mar 17, 9:20 AM
    • 459 Posts
    • 1,480 Thanks
    MistyMountainTop
    I'll be mainly concentrating on the house this week, I plan to clean/sort/declutter until at least 1:00 each day, go for my walk and in the afternoons list things on ebay, complete surveys, etc. Whatever I can find to bring in some money. I've still not got a plan to replace the things I need but I know there is an answer out there somewhere. I did put a cheeky wanted post on freecycle but as the items are quite specialised, it's unlikely many people would have them and even more unlikely that they would give them away.

    Dinner is sorted so will be a NSD, aside from my walk I'm not planning on leaving the house.
    Current Weight Loss: 2/ 96
    • MistyMountainTop
    • By MistyMountainTop 20th Mar 17, 3:28 PM
    • 459 Posts
    • 1,480 Thanks
    MistyMountainTop
    I cashed out £30 from Panelbase! I'm putting it straight into my savings account to start the fund to replace the equipment.

    I've done everything that was planned so far, including a walk in the pouring rain. It was lovely - no one else was about so very peaceful. I was wrapped up well so didn't get soaked. All that's left to do now is a bit more laundry and to make dinner. I'm feeling good today
    Current Weight Loss: 2/ 96
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

346Posts Today

1,919Users online

Martin's Twitter