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  • FIRST POST
    • helsbell
    • By helsbell 26th Aug 17, 9:23 PM
    • 148Posts
    • 786Thanks
    helsbell
    Finding Strength and Balance
    • #1
    • 26th Aug 17, 9:23 PM
    Finding Strength and Balance 26th Aug 17 at 9:23 PM
    Hi guys

    I've been lurking on these boards for years and I think it's finally time I made myself accountable. I've been wanting to get rid of the debt for years but I didn't really do anything about it until last year. (I guess I just hoped it would disappear in a puff of smoke one day). Even now I haven't been very focussed about it so I'm hoping that posting here and taking part in some of the challenges will help with that.

    There's me and 2 kiddiwinks to think of while I'm doing this, so I won't be going for a 'batten down the hatches' approach. I do want to show my 2 girls that we can be happy and have lots of fun without running up huge amounts of debt, though. A balanced approach, you might say

    And the 'strength' part of my thread title? Well, 'strength and balance' sort of became my motto last year when my OH and I split up. I am certainly a lot stronger than I was then, and I'm finding that being in control helps a lot with balance (although I may still be working on balancing out my rampaging control freak ).

    Anyway, that's things here. All advice is welcome: if I growl at you initially it probably means you're rightso try not to take it personally. I'll try to remember to thank you when it all works out just like you said it would
    SPC 11, No. 062

    August 2017 B'card £5006.83 BoS £1086.59 DFD November 2020
Page 4
    • helsbell
    • By helsbell 23rd Oct 17, 8:05 AM
    • 148 Posts
    • 786 Thanks
    helsbell
    Thanks both, I'm sure Mum and I will sort each other out Wish I could stay longer but hopefully they will make it here for Christmas.

    Today I have the dentist - new patient appointment. I haven't been for at least 8 years so I'm expecting to be told I need a lot of things doing. I'm assuming its covered by my prescription tax credit exemption, although I have no idea why I think that, must check.

    Then a couple of hours later I have my blood tests. That will be a big anticlimax while I wait for the results

    Have a good day everyone
    Last edited by helsbell; 23-10-2017 at 1:13 PM.
    SPC 11, No. 062

    August 2017 B'card £5006.83 BoS £1086.59 DFD November 2020
    • helsbell
    • By helsbell 23rd Oct 17, 1:20 PM
    • 148 Posts
    • 786 Thanks
    helsbell
    Well, I've survived the dentist! No telling off, just some appointments with the therapist (same as a hygienist?) to dig out all the dirt so we can see where we are Oh, and a filling that needs replacing.

    He also raised the topic of sorting out the mess (my words, not his!) of unaligned, overbiting ugliness that is my teeth. I was just about to ask, but he beat me to it. I'm really keen on getting it sorted as I've never been happy but as I would need to do it privately I have to think quite hard about it. Even an initial consultation with the specialist would be £150, but at least I would know what all my options are. I know I want to do it, just need to save the money.
    SPC 11, No. 062

    August 2017 B'card £5006.83 BoS £1086.59 DFD November 2020
    • helsbell
    • By helsbell 24th Oct 17, 10:27 PM
    • 148 Posts
    • 786 Thanks
    helsbell
    The dietitian and I agreed this morning that things are going well, and that any further tweaks should be left until the GP and I have worked out the sleep/ tiredness angle.

    I've also confirmed that my balance transfer has gone through, so just over £1000 is still attracting interest, the rest is at 0%.

    Babysteps
    SPC 11, No. 062

    August 2017 B'card £5006.83 BoS £1086.59 DFD November 2020
    • helsbell
    • By helsbell 29th Oct 17, 8:54 PM
    • 148 Posts
    • 786 Thanks
    helsbell
    Well, after a few days visiting my parents, I came back home on Friday night. It was great catching up with them, mostly pottering and eating, but I think mum and I both benefitted from a bit of a chinwag

    Yesterday and this morning felt productive, and I feel in a position to start getting back on top of things. Although its not even 9pm yet and I'm in bed (again) with a stinking headache (again), so who knows. It's funny, I haven't felt this way all week, but the closer I get to going back to work the worse I feel. Must be the toxic atmosphere

    In better news, the grocery budget looks like it will come in under budget for October so that's an overpayment waiting to happen
    SPC 11, No. 062

    August 2017 B'card £5006.83 BoS £1086.59 DFD November 2020
    • 117pauline
    • By 117pauline 31st Oct 17, 10:07 AM
    • 462 Posts
    • 5,644 Thanks
    117pauline
    Hi helsbell

    It's good you enjoyed your time with your parents. Perhaps you needed the downtime without the additional responsibility for the girls.

    Going back to work after time off is always a bit of a worry, isn't it?

    Have you made any plans for November? I can't believe how much colder it has suddenly got. Some beautiful sunsets though.

    I hope yesterday wasn't too bad.

    Keep posting, take care
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • helsbell
    • By helsbell 2nd Nov 17, 9:14 PM
    • 148 Posts
    • 786 Thanks
    helsbell
    Hi helsbell

    It's good you enjoyed your time with your parents. Perhaps you needed the downtime without the additional responsibility for the girls.
    Originally posted by 117pauline
    I think you're spot on there

    Going back to work after time off is always a bit of a worry, isn't it?
    To be honest, it's been a rubbish week. I really enjoy my job, which makes it all the more frustrating when other people do everything they can to make it a nightmare for everyone. There are more resignations and sickness than I've ever seen, all from really good staff, too

    Have you made any plans for November? I can't believe how much colder it has suddenly got. Some beautiful sunsets though.
    I haven't made any plans yet, but I do need to. Must arrange a weekend with my friend on the other side of (our tiny) country.

    Keep posting, take care
    Pauline
    I think there's only you and me here But I will, I will

    Yesterday I went to buy milk so I could treat my girls to hot chocolate. Unfortunately, I took them with me so I came out with milk, oranges, apples and triple chocolate muffins Can't really blame them, they weren't badgering me much. I think I was just in that kind of mood.

    Today, on the other hand, was an NSD Oh, and I did make amends yesterday by doing YNAB Wednesday properly for the first time in ages. I also claimed a £5 Amazon voucher from SB and set up a Circle account, allowing me to claim a little over £20 from PA today

    Slightly frustrated at spending 20 minutes being screened out of every survey on Earth tonight but ho hum. I'm sure PA will keep trickling in.

    I hope everyone is well, and enjoying their week, in spite of any obstacles being put in their path.
    SPC 11, No. 062

    August 2017 B'card £5006.83 BoS £1086.59 DFD November 2020
    • helsbell
    • By helsbell 2nd Nov 17, 9:15 PM
    • 148 Posts
    • 786 Thanks
    helsbell
    Oh, and my youngest came and told me that she had seen the most beautiful sunrise this morning when she was getting ready. We must all be on the same wavelength!
    SPC 11, No. 062

    August 2017 B'card £5006.83 BoS £1086.59 DFD November 2020
    • doingitanyway
    • By doingitanyway 2nd Nov 17, 10:49 PM
    • 2,195 Posts
    • 10,175 Thanks
    doingitanyway
    Be proud that you have raised a child who can appreciate a sunrise. It bodes well
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • 117pauline
    • By 117pauline 2nd Nov 17, 11:08 PM
    • 462 Posts
    • 5,644 Thanks
    117pauline
    Sometimes you just have to take the monetary wins as they come.

    Bringing up a child to recognise beauty is priceless. It's things like that comment which will sustain you.

    Things at work sound tense. Some people just seem to enjoy causing upheavals just because they can. Are you able to escape at lunchtime? A walk in the fresh air used to do me good.

    Take care, nearly the weekend
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • helsbell
    • By helsbell 3rd Nov 17, 7:18 AM
    • 148 Posts
    • 786 Thanks
    helsbell
    You're right, appreciation of natural beauty is a wonderful thing. And her comment made my morning.

    Work is generally OK, my department is slightly shielded from the majority of the bs so we can just get on with things. But this week we have staffing issues which, added to the general morale, brings home how unnecessary it all is.
    Last edited by helsbell; 03-11-2017 at 6:41 PM.
    SPC 11, No. 062

    August 2017 B'card £5006.83 BoS £1086.59 DFD November 2020
    • redofromstart
    • By redofromstart 3rd Nov 17, 10:21 AM
    • 621 Posts
    • 3,508 Thanks
    redofromstart
    I hate work politics, just want to keep my head down and get on with my job. How frustrating about the overtime, the attitude would really annoy me.
    • helsbell
    • By helsbell 5th Nov 17, 9:53 PM
    • 148 Posts
    • 786 Thanks
    helsbell
    Yesterday was a very spendy day. I've mentioned before that I'm finding the weekends that my DDs are with their dad I can get very down and achieve absolutely nothing! Well, I was determined not to let that happen this weekend. I went into town as I need some new clothes anyway, and it's a long time since I had a potter round there.

    I got a new pair of trousers and new shoes, both mostly for work and desperately needed. I declined a sales assistant's offer of new jeans for £122 I bought some wool so I can knit a scarf in the evenings to help me relax. I chose the wool at £3 a ball, rather than the fashionably packaged, locally sourced £16-a-ball wool.

    Not quite so necessary were the coffee shop lunch, the coffee (at a separate time from the lunch), and the brow wax and tint

    I'm sure I should be feeling guilty about all of that, but to be honest it's quite rare for me to spend money on myself, especially all in one day so I'm OK with it. I can make it all fit within the budget, with a bit of re-jigging of various 'fun' categories.

    What I do feel guilty about is that today was a bit of a write off I was awake early enough, probably around 7am, but I just found loads of reasons not to get moving: "oh, I'll just catch the news on the radio", "oh, I wonder if there's anything different in the Guardian app", "oh, I could just watch some telly while I have something to eat". And before I know it, it's 3 in the afternoon and I need to dash out to do the food shop before it closes, which I haven't done a menu plan for, let alone written a list so I came back without half the stuff we needed

    Anyway, the point is that only one day this weekend was a total write off. In previous weeks, it's been both days. So progress has been made I did manage to do some of the things that I've been meaning to do for ages, even if there are others that I didn't get to.

    Redo, work politics is draining isn't it? I just don't understand how people can think that treating other people like sh!! is going to get the job done better. There's no point in being in power/charge of a sinking ship, surely? It seems to make more sense for everyone to support each other. Anyway, next week is a new week so hopefully a better one.

    May the odds be ever in your favour, reader.
    SPC 11, No. 062

    August 2017 B'card £5006.83 BoS £1086.59 DFD November 2020
    • Honeysucklelou2
    • By Honeysucklelou2 6th Nov 17, 12:34 AM
    • 510 Posts
    • 1,897 Thanks
    Honeysucklelou2
    Sounds like a productive day yesterday...well done. The knitting project sounds great and just right for the colder weather.
    paydbx #90 £475/£10,000.
    Loan £17k - paid off in Aug 2017. Home improvement loans £3342 March 2017. £3206 in Oct 17
    • helsbell
    • By helsbell 6th Nov 17, 10:06 PM
    • 148 Posts
    • 786 Thanks
    helsbell
    Sounds like a productive day yesterday...well done. The knitting project sounds great and just right for the colder weather.
    Originally posted by Honeysucklelou2
    Thanks, yes I got a few frogs eaten

    The knitting is going to have to wait a few more days, as I hasn't noticed I need a circular needle and I don't have any. I've ordered one and it should be here in a day or two.
    SPC 11, No. 062

    August 2017 B'card £5006.83 BoS £1086.59 DFD November 2020
    • 117pauline
    • By 117pauline 6th Dec 17, 7:46 PM
    • 462 Posts
    • 5,644 Thanks
    117pauline
    Just a quick hello.

    Hope all is well

    Take care
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • doingitanyway
    • By doingitanyway 6th Dec 17, 7:50 PM
    • 2,195 Posts
    • 10,175 Thanks
    doingitanyway
    What I do feel guilty about is that today was a bit of a write off I was awake early enough, probably around 7am, but I just found loads of reasons not to get moving: "oh, I'll just catch the news on the radio", "oh, I wonder if there's anything different in the Guardian app", "oh, I could just watch some telly while I have something to eat". And before I know it, it's 3 in the afternoon and I need to dash out to do the food shop before it closes, which I haven't done a menu plan for, let alone written a list so I came back without half the stuff we needed
    Originally posted by helsbell
    I have days like that sometimes, not often and they don't sound often for you either so just put it behind you. I tell myself a nothing day is sometimes required even if you don't know it...
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
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