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  • FIRST POST
    • MistyMountainTop
    • By MistyMountainTop 2nd Nov 16, 4:27 PM
    • 425Posts
    • 1,385Thanks
    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
    • 2,965 Posts
    • 7,773 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
    • 4,299 Posts
    • 12,922 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: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • MistyMountainTop
    • By MistyMountainTop 21st Mar 17, 9:01 AM
    • 425 Posts
    • 1,385 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
    • 2,823 Posts
    • 23,982 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
    • 7,002 Posts
    • 37,513 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/£232.22
    • MistyMountainTop
    • By MistyMountainTop 21st Mar 17, 5:02 PM
    • 425 Posts
    • 1,385 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
    • 425 Posts
    • 1,385 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
    • 2,965 Posts
    • 7,773 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
    • 7,002 Posts
    • 37,513 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/£232.22
    • Purplemumof2
    • By Purplemumof2 22nd Mar 17, 1:36 PM
    • 4,299 Posts
    • 12,922 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: £8300.00 Overdraft: £2750.00


    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
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