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    • MistyMountainTop
    • By MistyMountainTop 2nd Nov 16, 4:27 PM
    • 663Posts
    • 2,360Thanks
    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 28
    • Purplemumof2
    • By Purplemumof2 11th Jan 18, 11:54 AM
    • 5,565 Posts
    • 20,314 Thanks
    I sympathise hun, sending you lots of get well hugs xx

    Feet up, rest and keep hydrated xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6900.00 Cap 1: £467.97 BC: £6900.00

    AFD 4/14 NSD 9/17 LTW 10/17
    POAMAYC 2018 #041 PD £878.17/£4000
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • MistyMountainTop
    • By MistyMountainTop 13th Jan 18, 11:49 AM
    • 663 Posts
    • 2,360 Thanks
    Thanks PM02. I seem to have gotten even worse despite all the resting. I saw someone yesterday who said they had the lurgy well before Xmas and are just now getting over it. I'm praying it's not the same bug, I've been sitting here with my feet up making plans for the year and am itching to get on with it!
    Current Weight Loss: 2/ 96
    • Dolly Rocker
    • By Dolly Rocker 13th Jan 18, 1:21 PM
    • 3,608 Posts
    • 10,204 Thanks
    Dolly Rocker
    The lurgy has defo been much worse this year!

    Rest up and hope it passes soon.

    CWP start 16st2lbs, current 15st7lbs, lost 9lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • MistyMountainTop
    • By MistyMountainTop 16th Jan 18, 8:34 AM
    • 663 Posts
    • 2,360 Thanks
    Thanks Dolly! I'm feeling much better now but still have a cough. I'm well enough anyway to start getting on with things, I could rest for another day but things are piling up and I'm tired of looking at it.

    Today I'm hoping to get this lot done:

    Light exercise Done
    2 loads laundryDone
    Update money spreadsheet
    sort out healthy dinnerDone
    order more vitiminsDone
    change DD's sheetsDone
    read book! Done
    quick tidy outside spaceDone
    Last edited by MistyMountainTop; 16-01-2018 at 7:27 PM.
    Current Weight Loss: 2/ 96
    • enthusiasticsaver
    • By enthusiasticsaver 16th Jan 18, 8:37 AM
    • 5,190 Posts
    • 9,871 Thanks
    Both DH and I have had the lurgy since New Year and the cough is the worst. Resting doesn’t seem to make it better like a normal cold strangely.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to
    • Dolly Rocker
    • By Dolly Rocker 16th Jan 18, 9:23 AM
    • 3,608 Posts
    • 10,204 Thanks
    Dolly Rocker
    Sounds like a very productive day MMT.

    CWP start 16st2lbs, current 15st7lbs, lost 9lbs
    Debt Free 21st December 2017, £15,000 paid off in 2017
    • EssexHebridean
    • By EssexHebridean 17th Jan 18, 10:43 AM
    • 8,307 Posts
    • 44,245 Thanks
    I'll second that the cough lingers - I was lurgified over Christmas and New Year and the cough is still dangling about irritating me.

    Excellent list ticking off going on there Misty - well done! You're full speed ahead this year aren't you!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£758.45 (19/12/17)
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