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  • FIRST POST
    • MistyMountainTop
    • By MistyMountainTop 2nd Nov 16, 4:27 PM
    • 534Posts
    • 1,809Thanks
    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 16
    • Dolly Rocker
    • By Dolly Rocker 20th Mar 17, 3:53 PM
    • 3,243 Posts
    • 9,082 Thanks
    Dolly Rocker
    Well done on your cash out.

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • Purplemumof2
    • By Purplemumof2 20th Mar 17, 9:51 PM
    • 4,713 Posts
    • 15,069 Thanks
    Purplemumof2
    Hi Misty,

    Well done on the payout, that's great.

    Really good to see you are positive again, small steps remember xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £400.00 Overdraft: £2750.00

    Lunches to work 7/20 ~ £10pw 3/4

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • MistyMountainTop
    • By MistyMountainTop 21st Mar 17, 9:01 AM
    • 534 Posts
    • 1,809 Thanks
    MistyMountainTop
    Thank you both!

    Today I am going out to do some errands this morning as it is supposed to rain this afternoon, I'll walk into town and count it as my daily walk. This afternoon I'll get back into the housework and possibly if I get enough done, spend an hour reading a book before starting on dinner.

    I am feeling much more positive, being able to get back outside and get my heart rate up a little bit has done wonders.

    I have decided to sell some things that have been sitting around for a long time - they should bring in the money I need for the new equipment for the side business. Sorry I'm not coming right out and saying what all these things are, I'm not trying to be mysterious but some of the things are quite specialised, and I would rather stay as anonymous as I can.

    Anyway this is a large collection of items that was my main hobby for decades but it all was put away when I became ill. I've been planning to get back into it and selling it never crossed my mind until late last night. It was weighing up what was important and thinking about my friend who lost everything in the fire. If I can replace the equip I've already sold, I can put my efforts into the side business and build it up until it's a full time job. The hobby things can be replaced at some point in the future, if I still feel I want to get back into it. Being able to have a full time job that I love and has the potential to be fairly lucrative takes priority.

    I feel a bit remiss as the hobby bits should have been the things I sold instead of the business equipment but it honestly never crossed my mind. The hobby bits need some work to clean them up and make sure everything is working as it should, but I expect to be able to sell them within the next few weeks, by the end of April at the latest. I know this is the right decision, and it feels great to know I will be able to move forward in a positive direction.
    Current Weight Loss: 2/ 96
    • maddiemay
    • By maddiemay 21st Mar 17, 9:37 AM
    • 2,915 Posts
    • 25,279 Thanks
    maddiemay
    Great news about the payout and the hobby items for sale, sometimes the obvious does not stare us in the face, but hopefully you are now on the road to being able to replace the work items.

    Pleased that your energy is coming back too, mine was awakening, but I got hit with a stinker of a cold which has knocked me for six, but coming out of it now and the sun is shining. OH tells me it is very cold, but will wrap up well later and do some errands even if the rain has come, like you I have "the right clothes" so don't mind it as long as my feet are dry thank goodness for Goretex trainers

    Enjoy your day
    • EssexHebridean
    • By EssexHebridean 21st Mar 17, 1:09 PM
    • 7,439 Posts
    • 39,048 Thanks
    EssexHebridean
    Yay - SO glad to see your mojo has found its way back to you! Good work also on coming up with a solution to your dilemma!

    I had a sneaking feeling that if you were able to get back into a routine of walking again it would in itself perk you up just from the fresh air and daylight perspective!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£412.21
    • MistyMountainTop
    • By MistyMountainTop 21st Mar 17, 5:02 PM
    • 534 Posts
    • 1,809 Thanks
    MistyMountainTop
    Thank you Maddie and EssexH! I'm glad you're on the mend Maddiemay, I've been wondering how you've been.

    The sunshine and fresh air has helped enormously, I've also taken to heart that I can't do everything at once and there will be days when I need to pace myself and not feel guilty if it's a slow day where I need to rest.

    Knowing that I will be back in business in a month or so has cheered me up no end, it felt like such a step in the wrong direction when I sold my equipment.
    Current Weight Loss: 2/ 96
    • MistyMountainTop
    • By MistyMountainTop 22nd Mar 17, 9:49 AM
    • 534 Posts
    • 1,809 Thanks
    MistyMountainTop
    Today is going to be a fairly relaxed. I have some admin type things to catch up with this morning, then a bit of laundry before my walk. I'm still feeling very positive but am a bit achy and slow, possibly because it's turned cold again.

    This afternoon I'll do some mending at the kitchen table and then make dinner, I'm not going to push myself to get anything else done today. I'm so glad there is no work tonight, I'm looking forward to a quiet night in.
    Current Weight Loss: 2/ 96
    • Dolly Rocker
    • By Dolly Rocker 22nd Mar 17, 9:54 AM
    • 3,243 Posts
    • 9,082 Thanks
    Dolly Rocker
    Sounds like a great day my sweet.

    Enjoy.

    Dxxx
    Goals
    Debt free by Christmas 2017
    Save for Christmas 2017
    Goal weight of 10st 7lbs by Christmas
    Add to deposit savings
    • EssexHebridean
    • By EssexHebridean 22nd Mar 17, 1:14 PM
    • 7,439 Posts
    • 39,048 Thanks
    EssexHebridean
    Nice day planned there then!

    Hope the weather is allowing you to get out for a walk too - I was about to go for my lunchtime one but it's come over as black as yer hat outside so I'm none so sure now!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£412.21
    • Purplemumof2
    • By Purplemumof2 22nd Mar 17, 1:36 PM
    • 4,713 Posts
    • 15,069 Thanks
    Purplemumof2
    Hi Misty,

    Sounds like a very productive day lovely.

    Hope you manage to get out for a walk too. x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £400.00 Overdraft: £2750.00

    Lunches to work 7/20 ~ £10pw 3/4

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • MistyMountainTop
    • By MistyMountainTop 23rd Mar 17, 10:19 AM
    • 534 Posts
    • 1,809 Thanks
    MistyMountainTop
    Thanks, it was nice to have an easy day! Today isn't going to be particularly hard either - I'm walking into town to do a few errands and will count that as my daily walk. I'll do a bit more laundry, have a quick tidy up, finish a bit more mending and that's going to be it.

    There are a lot of bugs going around so I must remember to wash my hands often and gargle with salt water every morning and evening. I'm sure my immune system isn't still up to par and I am determined to stay healthy!
    Current Weight Loss: 2/ 96
    • MistyMountainTop
    • By MistyMountainTop 24th Mar 17, 10:03 AM
    • 534 Posts
    • 1,809 Thanks
    MistyMountainTop
    Today will be slightly more productive than the last two - there is some weeding and other outside maintenance that is long overdue. It's cold but sunny, so I will wrap up warm and get stuck in. Next week I will start the clean up and selling of the hobby items, it will be a big project and probably take the entire week.

    I've had a few surveys pay out - it all seems to be coming at once! But they are Amazon vouchers rather than cash, I now have £35 sitting in my account which is a rather nice feeling.

    Later this afternoon I am determined to sit down with a book and a cup of tea for an hour before starting on dinner.
    Current Weight Loss: 2/ 96
    • Purplemumof2
    • By Purplemumof2 24th Mar 17, 12:52 PM
    • 4,713 Posts
    • 15,069 Thanks
    Purplemumof2
    Hi Misty,

    Nice to see you're positivity is back

    Fancy doing my weeding when you've done yours? lol

    Love the idea of the book and a cuppa, must make more time to do that in the new house x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £400.00 Overdraft: £2750.00

    Lunches to work 7/20 ~ £10pw 3/4

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • MistyMountainTop
    • By MistyMountainTop 25th Mar 17, 8:51 AM
    • 534 Posts
    • 1,809 Thanks
    MistyMountainTop
    Thanks PMo2! I hate weeding, though does anyone like it? It makes such a difference though, it instantly turned the outside space from looking rundown and uncared for into neat and tidy. It took longer than expected though so I only managed a half hour with my book. It's funny how extravagant it feels to read for pleasure during the day - I didn't feel guilty this time and enjoyed the moment.

    I have a rare day of work - it's usually evenings only. I won't be doing anything other than making dinner when I get home and having a quiet night in.
    Current Weight Loss: 2/ 96
    • MistyMountainTop
    • By MistyMountainTop 27th Mar 17, 9:08 AM
    • 534 Posts
    • 1,809 Thanks
    MistyMountainTop
    Errands this morning, when I get home this afternoon I am planning on gathering up some of the hobby items, cleaning and photographing them and finding somewhere to list them. I suspect it will end up being evilbay but will try classified type ads first.
    Current Weight Loss: 2/ 96
    • MistyMountainTop
    • By MistyMountainTop 28th Mar 17, 9:07 AM
    • 534 Posts
    • 1,809 Thanks
    MistyMountainTop
    The afternoon didn't go as planned and I didn't get any of the items out or photograph them. Today there are other things that need doing so I am going to aim for Wednesday to start collecting the stuff together. It's hard to not feel I've failed somehow but it's a good exercise for me to face and accept that things beyond my control will happen and that does not mean the world will end etc. because I didn't get something done when I wanted to, and it certainly does not make me a failure!
    Current Weight Loss: 2/ 96
    • EssexHebridean
    • By EssexHebridean 28th Mar 17, 11:40 AM
    • 7,439 Posts
    • 39,048 Thanks
    EssexHebridean
    It doesn't mean that you've failed at all - it means that something else came along that needed to be prioritised higher in importance than the job you had in mind - and that sort of flexibility is something necessary.

    I sometimes find weeding quite satisfying - seeing the "before and after" right in front of your nose as you work can be quite rewarding. (However, that doesn't necessarily mean I do it - our little plot looks dreadful at the moment!)
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£412.21
    • Purplemumof2
    • By Purplemumof2 28th Mar 17, 12:24 PM
    • 4,713 Posts
    • 15,069 Thanks
    Purplemumof2
    As EH says, not a failure at all, just a slight detour that's all xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7650.00 Cap 1: £400.00 Overdraft: £2750.00

    Lunches to work 7/20 ~ £10pw 3/4

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • MistyMountainTop
    • By MistyMountainTop 31st Mar 17, 10:06 AM
    • 534 Posts
    • 1,809 Thanks
    MistyMountainTop
    I've had a fairly productive couple of days, but none of it has involved getting the items ready to sell.

    I've picked up a couple of sideline jobs that need to be completed by next weekend that don't involve the bits of equipment that I sold. I was talking to a friend about not doing the sideline until I had replaced the equip and he pointed out that there were still things I could do that didn't actually need it, they are lower paying but much better than doing nothing. It's another example of the answer staring me in the face and me not being able to see it. I need to learn be more creative about thinking my way around obstacles.

    I don't actually feel a failure, the hobby things will be sold soon enough and payment from these two jobs will get me 1/4 of the way towards buying what I need. It will also give me more experience, more references and more confidence to go out and get more work.

    The warmer weather is lovely, I'm nearly feeling 100% and taking very few painkillers, long may it last! I am being very mindful of not overdoing things this time and am starting to enjoy taking things a bit slower.
    Current Weight Loss: 2/ 96
    • MistyMountainTop
    • By MistyMountainTop 3rd Apr 17, 10:13 AM
    • 534 Posts
    • 1,809 Thanks
    MistyMountainTop
    I woke up late, thank goodness the postman was loud! I turned off my alarm for the Easter school break but now think this may have been a mistake.

    There is a problem with our tax credit payment - we received a letter on Friday and I gather this is happening to a lot of people at the moment. The payment we normally would have received today has not gone in, hub keeps hopefully checking but it's always in first thing in the morning on the first working day of the month. We'll need to sort this out today or tomorrow or the SWHTF in a big way.

    I have lots to be getting on with, I'm still working on the projects that are due on Saturday. After they are done I will have the time to sort out the hobby items.

    It's a lovely sunny day here, I hope it's sunny where you are, too!
    Last edited by MistyMountainTop; 03-04-2017 at 10:37 AM.
    Current Weight Loss: 2/ 96
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