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  • FIRST POST
    • in need of direction
    • By in need of direction 20th Apr 17, 3:59 PM
    • 4,631Posts
    • 26,025Thanks
    in need of direction
    A whole new world, for now
    • #1
    • 20th Apr 17, 3:59 PM
    A whole new world, for now 20th Apr 17 at 3:59 PM
    So, hereís the new thread Iíve been promising myself for a few months. My old one, that served me so well, is http://forums.moneysavingexpert.com/showthread.php?t=4855808

    A potted history of me. Iím 49, live in NI with OH, DD and dog and DS is London based.
    Have been in debt for a lot of my life and came here post personal debt but with the aim to clear my mortgage. I believe DFD to be the right place for me as a lot of whatís outstanding on the mortgage related to consolidation of other debts. The rates were lower and I just didnít consider the payback period.
    Having been a wage slave for some 30 years, I recently jacked in my well paid and secure job for a number of reasons. While I love what I do, I hated the environment in which I did it. I regularly travelled 6 hours a day, on my own time and had to ask others to do likewise. That was the downside about caring for my clients. While I continued, and got others, to deliver at the expense of my home life, my health and my finances, the firm continued to let me. I decided that Iíd sooner have some self respect than stay there. We also had an unexpected and untimely family bereavement last year which sparked the whole ďlifeís too shortĒ train of thought. The downside is this is the first time since I was 17 that I donít have an income and itís a big adjustment.
    To address this, Iíve decided to go the self employed route, for now (hence the title). One problem though is timing. We have booked a holiday in May for OHís big birthday and Iíve decided that is set in stone. We will be travelling half way round the world for two weeks to initially see pandas and then the delights of Tokyo. Weíve only been together just over 10 years so this is really our first landmark birthday to be properly celebrated, we were still bedding in last big date.
    So, work wise, Iíve created my website, taken out a separate mobile contract and opened a business bank account. Iíve also registered with HMRC to keep things tidy.
    Otherwise, since being unemployed, Iíve had a parking ticket refunded, gained a free overnight stay following a complaint to a hotel that disappointed and have signed up for a new loyalty card for my local Co-Op. I also switched to a cheaper mobile service and got my boiler serviced which restored the hot water! First world pleasure that is so easy to overlook. I've donated two bikes to a local charity, done a number of strolls to offload donations to charity shop, claimed topcashback, £20 from PA, £5 swagbucks voucher and am trying to declutter. My last car went with the job so I realised what a paucity of local shops there in despite being only 15 mins by bus from the city centre.
    The lack of car was proving to be an issue for family and other reasons so today we get a PCH car delivered that we have committed to for 4 years. This takes us into the realm of needing to use the mortgage off set savings to fund expenses. It also gives me a minimum level of income to achieve as eating into savings bothers me.
    So, whatís the plan?
    I lodged £2000 in my business bank account at the start of March and most of it is still there. By September, Iíd like to have this repaid to either the savings or the mortgage or to have secured an income stream that will enable that to happen shortly thereafter. Iíd also like a £1k buffer in the business account to make sure that I can take advantage of opportunities as they arise.
    I have applied for a few part time consultancy type posts, been unsuccessful at interview for the first, but will actively seek out these opportunities. Iíve provided associates with my contact details but come June, I will start more actively promoting myself. Iíve sought input from my LA business support services but to little avail so far. Iíve attended a few courses and networking events and will continue with these to keep some kind of a profile and, post holiday, will be creating an event that will hopefully income generate and/or build profile.
    I will continue to seek out vouchers and deals and will try to live cheaply but donít feel I can ask this of the others in the house as giving up the job was down to me. I will also get rid of extraneous items, for cash where possible.
    What I can see is that despite living semi frugally, or so I believed, we wasted A LOT!
    Today my outstanding mortgage is £83,478.58. By 31 Dec, based on just making standard payments, this will be £78,900. My target is for this to be £75,000.
    Today my available off set pot is £3,415.43. By 31 Dec, Iíd like this to be at £5,500.
    The truth is Iíd like the first figure to be a lot lower and the second to be a lot higher but I need to start somewhere.
    We still have our emergency fund intact and hopefully enough in the current account to address our living expenses shortfall at least to the year end. Spends for the holiday are ringfenced with any left overs going on extras for all.
    I have to confess to having what Iíve heard described as an internal Verucca Salt! When I want it, I want it now. I need to learn some restraint both in terms of shopping and also sugar consumption. Itís weird but one thing |I really struggle with is what to have for lunch.
    Anyhow, now that the car is here, Iím off to the dry cleaners and to pick up some groceries as I have a £5 voucher off a £25 shop. I may also buy a new toilet brush!
    Today I am grateful for
    The support I have consistently received from here

    Company from the dog

    E Mail
    Mortgage at 01.01.14 £119,481.83 today £79,993.50, target £75,000 by 31/12/17 Offset fund today £4,035.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 6/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
Page 19
    • Seasidegal58
    • By Seasidegal58 5th Oct 17, 8:54 PM
    • 895 Posts
    • 4,712 Thanks
    Seasidegal58
    You OH sounds rather like my dad - my mum used to look after all the bills as he didn't have a clue! Hard for you though. Look after yourself and I hope you enjoy lunch with your friend.

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • in need of direction
    • By in need of direction 6th Oct 17, 9:44 AM
    • 4,631 Posts
    • 26,025 Thanks
    in need of direction
    Lunch is still on which is good. It also provides a deadline after which I will be unavailable to assist with the bid which will hopefully focus the other party. I'm meeting one of their partners on Monday so we need to chat through each other's expectations.
    Yesterday we got caught in traffic jams causing a fifteen minute journey to lengthen to over an hour. Was so frustrating.
    Today I will draw down my expenses. I'm so protective of my unfed baby business account but I really need the money. I also have to pay my credit card bill.
    Anyhow, dog is whimpering as she wants some company so better go have a chat to her.
    Mortgage at 01.01.14 £119,481.83 today £79,993.50, target £75,000 by 31/12/17 Offset fund today £4,035.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 6/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 6th Oct 17, 6:09 PM
    • 47,707 Posts
    • 173,037 Thanks
    beanielou
    Have a good weekend
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • doingitanyway
    • By doingitanyway 6th Oct 17, 8:34 PM
    • 1,977 Posts
    • 9,025 Thanks
    doingitanyway
    I love your dog
    JANUARY 2016/SECURED DEBT=24,822/September 2017=5,250
    MORTGAGE FREE 25/07/16
    • in need of direction
    • By in need of direction 7th Oct 17, 11:15 AM
    • 4,631 Posts
    • 26,025 Thanks
    in need of direction
    Everybody loves my dog. She is so smiley and friendly. So, today I will draw down my expenses. I'm also using gift vouchers to take advantage of a mons00n offer and am treating myself to things I really want. I will need to add around £40 to it, will get £10 back in cashback and OH has said he will make up the shortfall. Lunch was good yesterday, my friend is looking well and her hair has started to grow back. One work opportunity I was seeking has gone but there will be others. Did a major shop at sainsbugs using a £9 off a £60 spend which was good. I also got coupons for extra nectar points which are the sum total of my Christmas shopping this year.
    Today will be a house based day though, given it's dry, there may also be a bit of a garden tidy up. Fingers crossed I can even persuade OH to get a few more items onto the bay. Also, meeting scheduled to sort out further aspect for big project. That'll happen on Thursday. Anyhows, today I am grateful for
    Free scones
    Opportunities starting to emerge
    Friendship
    Mortgage at 01.01.14 £119,481.83 today £79,993.50, target £75,000 by 31/12/17 Offset fund today £4,035.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 6/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 7th Oct 17, 1:23 PM
    • 47,707 Posts
    • 173,037 Thanks
    beanielou
    Free scones, opportunities starting to emerge and friendships all sound good to me.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • in need of direction
    • By in need of direction 8th Oct 17, 11:12 AM
    • 4,631 Posts
    • 26,025 Thanks
    in need of direction
    Well yesterday's plans went out the window. Instead we had the laziest of days with dd and dog out all day. We lazed about, read, browsed, chatted caught up with phone calls and, happily, ate from the stores. Days like this are always a take away risk! Today, I have had an indulgent time reading diaries but have also made a list which I am about to get cracking on.

    Yesterday I achieved my daily sb target and have signed up for swago starting on Monday. We also took advantage of two circle offers so I'm 78p up while OH is up by £5.50. If anyone wants details, pm me.
    I have sent a stinking email to mons00n over difficulties placing an order. I'm not happy but will wait and see the resolution. Fingers crossed but at least there was nothing desperately needed. Worst case scenario, I will just use my vouchers in store when they next have a sale and get myself removed from their mailing list and advise family to no longer buy me their gift vouchers.
    Anyhow, am aiming to get one task out of the way by 11.30. Wish me luck!
    Mortgage at 01.01.14 £119,481.83 today £79,993.50, target £75,000 by 31/12/17 Offset fund today £4,035.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 6/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Happierdays
    • By Happierdays 8th Oct 17, 12:34 PM
    • 144 Posts
    • 360 Thanks
    Happierdays
    Good to have a lazy day sometimes!
    Hope u managed the task you were aiming for
    • in need of direction
    • By in need of direction 8th Oct 17, 1:31 PM
    • 4,631 Posts
    • 26,025 Thanks
    in need of direction
    so, was waylaid by a phone call from an old friend but have managed to pay my expenses and issue an email. gotta pop on here though as when i was checking that things have gone through, i noticed that my mortgage was just over 80k. Cue a £27.45 overpayment that included a TT and i'm now, by the skin of my teeth, in the £70s! Yay! Yay! Yay! it's been such a long time since i've seen that on a mortgage. This was funded by a PA payout which is enroute along with a donation from my OH. So so relieved. Am away to update my sig with this and my 2lb weightloss according to Mr Wii!
    Mortgage at 01.01.14 £119,481.83 today £79,993.50, target £75,000 by 31/12/17 Offset fund today £4,035.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 6/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • parsniphead
    • By parsniphead 8th Oct 17, 4:44 PM
    • 2,220 Posts
    • 14,069 Thanks
    parsniphead
    Well done on being in the 70's. That's fabulous news and so exciting for you. 2lbs down too.....it's all going the right way. Have a fab rest of the weekend.
    My August to Christmas challenge:.
    Pay off £2500 debt - £1088/2500 43.52%
    Completely declutter the house by Christmas day...all of it.

    Nothing gets better until you get better.
    • doingitanyway
    • By doingitanyway 8th Oct 17, 6:28 PM
    • 1,977 Posts
    • 9,025 Thanks
    doingitanyway
    i noticed that my mortgage was just over 80k. Cue a £27.45 overpayment that included a TT and i'm now, by the skin of my teeth, in the £70s!
    Originally posted by in need of direction
    Go INOD
    JANUARY 2016/SECURED DEBT=24,822/September 2017=5,250
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 8th Oct 17, 7:15 PM
    • 47,707 Posts
    • 173,037 Thanks
    beanielou
    2 lbs down is fab
    Great news on being in the £70's
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • in need of direction
    • By in need of direction 8th Oct 17, 9:42 PM
    • 4,631 Posts
    • 26,025 Thanks
    in need of direction
    today OH listed 3 items on the bay. another 1 already listed sold. it was just pennies but all pennies are welcome. today i spent an hour and a half in the garden. this was as close to exercise as I got this weekend. other bits and pieces got done around the house which was good. Brother called over to gift apples. coincidentally, he's very fond of an apple and cinnamon loaf that I make!
    dinner tonight had four different roasted veg in addition to potatoes. while there was only a half portion of each, these were in addition to mushrooms at breakfast and snacking on an apple. Tomorrow, I'm working in Dublin so it'll be an earlier than usual start. I'm hoping to be able to fit in a trip to aldi as this upping the veg intake seems to be working for me.

    Today I am grateful for
    gifted apples
    an unexpected call from a friend
    overpaying the mortgage
    Mortgage at 01.01.14 £119,481.83 today £79,993.50, target £75,000 by 31/12/17 Offset fund today £4,035.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 6/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 8th Oct 17, 9:56 PM
    • 47,707 Posts
    • 173,037 Thanks
    beanielou
    Overpaying the mortgage is good.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Seasidegal58
    • By Seasidegal58 9th Oct 17, 10:43 AM
    • 895 Posts
    • 4,712 Thanks
    Seasidegal58
    Well done on reaching the 70s!. It's such a great psychological boost when you drop into the next bracket!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • in need of direction
    • By in need of direction 10th Oct 17, 9:03 AM
    • 4,631 Posts
    • 26,025 Thanks
    in need of direction
    Yesterday was a spendy day in tolls and carparking. I got to aldi and got some of their super six along with some other items. Went to jog club but didn't last the full time. I was shattered.
    Our dog pooped overnight in several places which is so unlike her. She's looking very sheepish. Happily, today was down to be an admin day for me so I shall be able to keep an eye on her. As of yesterday, dd went back to bar work. She is doing shifts on mon to Thursday as her bestie comes back from London this weekend to celebrate a birthday so they have plans.
    Yesterday a swago kicked off so I scored some extra points last night. I'm hoping for more today.
    While in dublin, I had a catch up with a client. Another few days should be coming my way which is good. He is also looking a few hours minimum every fortnight for the next few months. I am supposed to be going for dinner this evening but this is an unreliable friend so we will wait and see. If it works out, it'll be the steak night for 2 at £20. Lovely food and a cheap night out. Yesterday I managed my five a day which is getting easier. I'm thinking of booking a blood test to see how my sugars are doing. I'd love to get my 5 tablets a day reduced even a bit. Anyhow, the dog is complaining. Gotta go.
    Mortgage at 01.01.14 £119,481.83 today £79,993.50, target £75,000 by 31/12/17 Offset fund today £4,035.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 6/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • doingitanyway
    • By doingitanyway 10th Oct 17, 2:02 PM
    • 1,977 Posts
    • 9,025 Thanks
    doingitanyway
    hoping dog is okay...
    i bet your sugars have gone down, especially
    with your exercise and better diet
    JANUARY 2016/SECURED DEBT=24,822/September 2017=5,250
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 10th Oct 17, 2:57 PM
    • 47,707 Posts
    • 173,037 Thanks
    beanielou
    hoping dog is okay...
    i bet your sugars have gone down, especially
    with your exercise and better diet
    Originally posted by doingitanyway
    FRom me too
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • in need of direction
    • By in need of direction 10th Oct 17, 11:27 PM
    • 4,631 Posts
    • 26,025 Thanks
    in need of direction
    How odd. Got a call from the gp surgery today about a flu jab that I declined. I did take it as a sign so am getting my sugars checked Monday after next.
    Mortgage at 01.01.14 £119,481.83 today £79,993.50, target £75,000 by 31/12/17 Offset fund today £4,035.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 6/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • in need of direction
    • By in need of direction 12th Oct 17, 9:42 AM
    • 4,631 Posts
    • 26,025 Thanks
    in need of direction
    Yesterday I had a work meeting which one person couldn't attend and forgot to cancel. So annoyed. Today I have a meeting to kick off the tender work that I won. They want it delivered in the next two weeks so I may actually have income in November. That'd be good. I still haven't received any payments which is a nightmare.
    On the plus side, one of OH's items sold for £250 on the bay yesterday. I also called into mr a to get some parsley yesterday and came out £24 poorer but with lots of whoopsied protein. I even got the parsley I had gone in for. This afternoon I will be trying two new recipes and also making some veg soup.
    Dog has been fine for the past few days, it was probably something she ate. She is aging though and has slowed down a lot.
    Still, I need to get a wiggle on. Although there's no dramatic weightloss, it's such a relief not to panic when I need to get into the hardly worn work clothes. Although, this week there will be four work clothes days. That's the most since March! Fingers crossed I get some income before a trip to the dry cleaners is needed.
    Today I am grateful for
    Guilt tripping myself into jog club last night
    Small changes for big benefits
    That a friend's 5 year old got discharged from hospital and continues to improve
    Mortgage at 01.01.14 £119,481.83 today £79,993.50, target £75,000 by 31/12/17 Offset fund today £4,035.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 6/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
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