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  • FIRST POST
    • MistyMountainTop
    • By MistyMountainTop 2nd Nov 16, 4:27 PM
    • 603Posts
    • 2,065Thanks
    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 25
    • EssexHebridean
    • By EssexHebridean 6th Sep 17, 10:34 AM
    • 8,132 Posts
    • 42,815 Thanks
    EssexHebridean
    Hmmm...it seems surprising that age could be a factor - as you say the lack of up to date experience will have a bearing though so a good plan to try to fix that. The interview will have been good experience in itself though.

    Absolutely get what you mean about wanting to get back to a routine too - I LOVE how busy my summers are but it must be said by this stage in the year I'm starting to feel that honestly, I just need things to get back to a slightly slower paced routine now!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£632.77 (20/11/17)
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    • MistyMountainTop
    • By MistyMountainTop 7th Sep 17, 1:47 PM
    • 603 Posts
    • 2,065 Thanks
    MistyMountainTop
    I'm trying a slightly new way of doing things... when I first wake up, I'm focusing on figuring out what will get me closer to my goals each day, and doing that thing first. I've found that if I sit down to answer emails, do housework, make phone calls, etc. that my day ends up being completely filled and while I've done stuff that needed doing, I haven't made any progress towards what is important.

    I'm also severely limiting the time I spend online, and giving myself a deadline to get certain things done (for example 30 mins to answer emails and make phone calls, 45 mins for housework) because if I don't have a time set to stop and move on to something else, I will either get the thing done but in an unhurried manor, or I will just keep going on my to-do list without any real thought about which things are the most helpful and end up feeling like a drudge. I know I have more than enough time to get everything that is needed done, I'm just not using my time very effectively. I'd like to get this way of doing things ingrained asap so when I start working full time, things don't fall apart. It's working pretty well so far - I got more done this morning than I did all last week.
    Current Weight Loss: 2/ 96
    • MistyMountainTop
    • By MistyMountainTop 11th Sep 17, 11:14 AM
    • 603 Posts
    • 2,065 Thanks
    MistyMountainTop
    I'm still clearing out things and selling on ebay - I usually go with a buy-it-now price but thought I'd take some advice and try starting auctions at .99p to see where they go. Unfortunately a large amount of things ended up selling for exactly that - .99p. Once the fees are taken into consideration, I'll end up making about .50p on each item. I would have been better off selling them at a car boot. I really don't understand how ebay can justify an "ending fee on postage", it's such a scam. Lesson learned, never again!

    I'm planning on taking a break from all internet for a month or two except for checking emails. Life is very stressful at the moment, so I'm stripping back everything that isn't absolutely necessary before I have a breakdown! I've already cut way back over the last few months but when I get stressed I tend to use browsing the internet as an escape and don't get the things done that need doing, which only adds to the stress. I'll be back in November if I can hold out that long. xx
    Current Weight Loss: 2/ 96
    • Purplemumof2
    • By Purplemumof2 11th Sep 17, 11:31 AM
    • 5,243 Posts
    • 18,365 Thanks
    Purplemumof2
    I'm planning on taking a break from all internet for a month or two except for checking emails. Life is very stressful at the moment, so I'm stripping back everything that isn't absolutely necessary before I have a breakdown! I've already cut way back over the last few months but when I get stressed I tend to use browsing the internet as an escape and don't get the things done that need doing, which only adds to the stress. I'll be back in November if I can hold out that long. xx
    Originally posted by MistyMountainTop


    It's always good to have a step back and a refocus. Hope everything is ok? Big hugs lovely lady xxx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
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    • EssexHebridean
    • By EssexHebridean 11th Sep 17, 11:57 AM
    • 8,132 Posts
    • 42,815 Thanks
    EssexHebridean
    Hope you're ok - and that you see the last replies to this before you go!

    Remember - baby steps. You can do anything for 15 minutes. And the end result is sometimes more important than the steps you take to get there. See you when you return! xx
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£632.77 (20/11/17)
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