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  • FIRST POST
    • ladymay
    • By ladymay 15th Oct 17, 10:13 PM
    • 666Posts
    • 3,202Thanks
    ladymay
    Starting over...
    • #1
    • 15th Oct 17, 10:13 PM
    Starting over... 15th Oct 17 at 10:13 PM
    Hi all!

    It's been a while since I've used this website and forum, largely because I've been living abroad for a few years and BOY have I missed it! For the record, there's nothing remotely like MSE in Ireland and if I was much cleverer I would have loved to have started something similar.

    The reason I'm rejoining the MSE clan is because in 12 weeks time (82 days to be exact) I'm moving back to Devon And while I'm really excited, I'm also extremely nervous to be starting over. I run a successful business here in Ireland that I'm hoping to bring over (but realistically it'll take at least 12 months to get to the same level - I'm a wedding singer if anyone needs one ), and the thought of being a 30-something who is going back to live with her mother is nauseating...

    Financially I have no savings and £1700 on a credit card - I've put all my money into my business, so the plan is to save as much money as I possibly can before I move. I have a lot of work coming up but my day job is also self-employed so budgeting can be difficult while I wait for invoices to be paid.

    I work mostly in the afternoons and evenings so I'm on the hunt for a temp morning or night time job for the next few months, but I'm also looking online for ways to earn a bit extra. I still have my UK bank account so I'm looking at doing the gambling websites using Top Cashback (I hate gambling so stopping after the minimum bet to get the cash back won't be an issue), and I write a bit in my spare time so I might try some of the task-based websites too.

    Well, I think that's it for now. Wish me luck!
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
Page 2
    • DebtFreeDuo
    • By DebtFreeDuo 26th Oct 17, 11:15 AM
    • 452 Posts
    • 2,261 Thanks
    DebtFreeDuo
    It would be great if you could clear your debt ready for when you move then you will be really be starting completely fresh! Have a lovely day.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • ladymay
    • By ladymay 29th Oct 17, 8:04 AM
    • 666 Posts
    • 3,202 Thanks
    ladymay
    You're totally right DFD, the sooner I can get that debt off my shoulders the better!

    I was so tired last night that I slept for 12 hours another three gigs today, along with 7.5 hours of driving to get to said gigs - another 12 hour sleep may be required tonight!
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • ladymay
    • By ladymay 30th Oct 17, 11:43 PM
    • 666 Posts
    • 3,202 Thanks
    ladymay
    Enforced day off today woke up with a migraine and by the time I realised it was too late to take my medication and I couldn't keep anything down. I had a fun day of lying in a dark room trying not to move... I'm trying so hard to get money sorted, but my migraines are brought on by stress and I really can't take on any more work this year than what I have penned in.

    Had my last gig with the band last night and the ferry to come home is booked - it's starting to feel like I'm really coming home!

    I've had a terrible few days with the car, which might end up being a bit spendy - on Friday an idiot driving with full beams on a country lane smashed my wing mirror, on Saturday the car in front of me had to emergency stop to avoid running over someone who stumbled into the road and I ploughed into their tow bar (minor damage to my car, none to theirs), and yesterday the assistant at the garage filled up my car only to lose my fuel cap! I can cope with the smashed mirror for now but it'll need to be replaced soon enough, along with a new fuel cap

    Anyway, now I'm awake and starting to feel much better. Plan for tomorrow in between work:

    - try and reschedule the work I missed today
    - batch cook a nice veggie stew for the next couple days
    - invoices for next week
    - make shopping list for later in the week
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • ladymay
    • By ladymay 31st Oct 17, 3:47 AM
    • 666 Posts
    • 3,202 Thanks
    ladymay
    Tomorrow is going to be a loooong day...
    Still awake. Because I was resting/sleeping most of the day with my migraine, I can't sleep and my sleep pattern is going to be all over the place for the next couple of days. Add in a touch of PMS and I'm pretty sure I'll be a monster by the middle of the week

    I've had a spendy weekend with snacks and drinks on the road, and I think it's because I have issues with organisation and energy levels. I'm tired pretty much constantly atm, and when I get tired I struggle to do money saving stuff like cooking dinner from scratch. I got a tip from the wedding couple on Thursday so the overspends have been covered, but if I want to clear my debt, start setting up the business AND try to save some money in the next 10 weeks, I really need to knuckle down.

    I'm doing as much as my energy levels will allow, but it doesn't seem to be enough...
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • ladymay
    • By ladymay 31st Oct 17, 9:01 PM
    • 666 Posts
    • 3,202 Thanks
    ladymay
    Evening all!

    So after a night of no sleep, I got through a volunteer shift, five hours of driving, a gig, and the batch of stew I made was amazing and now the whole flat smells of rosemary

    With regards to my to-do list:

    - try and reschedule the work I missed today I managed to reschedule one, the other cancelled but I got two more comforted today so that's my schedule for the rest of the year and I'm slightly up on where I was
    - batch cook a nice veggie stew for the next couple days And it was goooooood! I ate two bowls which isn't so MSE
    - invoices for next weekJob for tomorrow
    - make shopping list for later in the weekI've started, I'll finish it tomorrow and do the shop on Thursday or Friday

    I'll make my to-do list in the morning, I'm going to bed with Once Upon A Time (current obsession )

    Night!
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • ladymay
    • By ladymay 1st Nov 17, 8:24 AM
    • 666 Posts
    • 3,202 Thanks
    ladymay
    Good morning,

    Two gigs this afternoon, another 4.5 hours of driving

    To do list today:

    - invoice for next week
    - update finances
    - chase late payments
    - tidy up
    - boil eggs and make packed lunch
    - fill up car
    - get flu jab and buy prescription migraine meds (don't want to get caught out again!)
    - save information off website
    - make PAD
    - attempt some form of exercise

    When I paid for the ferries I dipped into my buffer so I need to get that back up before I start ordering stuff for the new business logo, website, business cards, flyers, banners - I'm hoping I can get everything done for under €500 and I want to hit the ground running so I want it all ready to go by the end of November... fingers crossed!
    Last edited by ladymay; 01-11-2017 at 9:00 AM.
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • DebtFreeDuo
    • By DebtFreeDuo 1st Nov 17, 9:05 AM
    • 452 Posts
    • 2,261 Thanks
    DebtFreeDuo
    Don't push yourself too much when feeling ill/tired, just do what you can. We all have our down days but I think as long as you get right back on it when you're feeling better then you're definitely on the right track. Maybe long term you could give yourself a pot that you can dip in to for when you're feeling like you need to treat yourself, this way you won't feel guilty and you won't have to adjust your budgets.

    Sounds like you have had a nightmare with your car but you sound like you're feeling much better and you are right back on it which is great. If you can keep focused then I have no doubt you will be able to save in the last 10 weeks.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • ladymay
    • By ladymay 1st Nov 17, 11:32 AM
    • 666 Posts
    • 3,202 Thanks
    ladymay
    Thank DFD, I'm really lucky that my anxiety and migraines tends to only last a day at a time which make them pretty manageable and the treat pot is a lovely idea! If all my vouchers go through for my ferries I'll have spent half what I thought I would so that'll be extra on my CC, and I'll keep a bit back for Christmas fun and presents

    The car's going in for a service on Monday so I'll be able to get a quote for the wing mirror and fuel cap - it'll probably mean dipping into my emergency buffer again but needs must...
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • doingitanyway
    • By doingitanyway 1st Nov 17, 2:04 PM
    • 2,099 Posts
    • 9,704 Thanks
    doingitanyway
    I have migraines too. You need to pace yourself if you are anything like me as they knock you down when you are doing too much.

    Be kind to yourself. The debt is going down so you are winning
    JANUARY 2016/SECURED DEBT=24,822/November 2017=4,525
    MORTGAGE FREE 25/07/16
    • ladymay
    • By ladymay 1st Nov 17, 10:42 PM
    • 666 Posts
    • 3,202 Thanks
    ladymay
    doingitanyway you're right, I just pushed myself way too hard last week.

    My to do list took a big dent today:

    - invoices for next week Done
    - update finances Done but I need to figure out my upcoming business costs
    - chase late payments Done - three invoices have been sorted, one didn't get back to me by end of business
    - tidy up Done
    - boil eggs and make packed lunch Done, but I didn't make it big enough so ended up buying a protein bar on the road
    - fill up car Done - €73.25
    - get flu jab and buy prescription migraine meds (don't want to get caught out again!) I had to book it in advance so I'm booked in on Monday
    - save information off website Done, website has been taken offline
    - make PAD Done, only a quid but still...
    - attempt some form of exercise Oh, how she laughed!

    I also got the shopping done with the aim of getting a couple of NSD's under my belt...

    All in all, a productive day!
    Last edited by ladymay; 01-11-2017 at 10:48 PM.
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • ladymay
    • By ladymay 2nd Nov 17, 9:26 AM
    • 666 Posts
    • 3,202 Thanks
    ladymay
    Goooood morning,

    Well, my days off have disappeared into meetings and rescheduled gigs. I did have six, I now have two

    Now the shopping is done, I have more than enough frozen and cupboard goodies for the next 10 days or so. Hopefully that means I can just do top up shops of milk, bread, fruit and veg until I use my last money-off voucher for Mr T to buy the last of my smellies (which are all now 1/3 off until the end of the month ).

    All the immediate moving costs have been covered now

    To do list for today:

    - make a PAD Done, £7.53 on the CC
    - NSD
    - Tidy car
    - Work out (come on, I can do this!)
    - Look into survey sites
    - Put together schedule for carol singing for musical society
    - Sort set lists for next couple of weeks
    - Make packed lunch
    - Read a few DFW diaries for inspiration
    Last edited by ladymay; 02-11-2017 at 9:45 AM.
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • DebtFreeDuo
    • By DebtFreeDuo 2nd Nov 17, 9:39 AM
    • 452 Posts
    • 2,261 Thanks
    DebtFreeDuo
    Go on get that work out done, you will feel so much better for it and then you will smash your whole to do list!
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • ladymay
    • By ladymay 2nd Nov 17, 10:45 AM
    • 666 Posts
    • 3,202 Thanks
    ladymay
    Go on get that work out done, you will feel so much better for it and then you will smash your whole to do list!
    Originally posted by DebtFreeDuo
    You're so right, just did legs for 20 minutes! In addition to completely overhauling my life, I'm trying to get fit as well
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • DebtFreeDuo
    • By DebtFreeDuo 2nd Nov 17, 11:08 AM
    • 452 Posts
    • 2,261 Thanks
    DebtFreeDuo
    Well done! I'm currently decluttering, I really should be studying.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • ladymay
    • By ladymay 2nd Nov 17, 8:23 PM
    • 666 Posts
    • 3,202 Thanks
    ladymay
    Today has been good and productive and I'm shattered

    To do list for today:

    - make a PAD Done, £7.53 on the CC
    - NSD Done!
    - Tidy car Half done haha, I'll finish it off tomorrow
    - Work out (come on, I can do this!) Done! Thanks DFD for the kick up the a$$ this morning! Did you get your studying done?
    - Look into survey sites Not even close! Realistically I don't think I have the time to spare before Christmas
    - Put together schedule for carol singing for musical society Done, now onto sorting the set lists which will be a gradual process because I'm waiting on a bunch of people to get their backsides in gear
    - Sort set lists for next couple of weeks Not done, I've run out of energy and it doesn't need to get done today
    - Make packed lunch Done, and it was big enough today haha!
    - Read a few DFW diaries for inspiration After my shower, this shall be my reading for the evening

    Last job of the day is to make my to-do list for tomorrow. I'm shattered!
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • DebtFreeDuo
    • By DebtFreeDuo 2nd Nov 17, 8:40 PM
    • 452 Posts
    • 2,261 Thanks
    DebtFreeDuo
    Wow look how much you got done! Glad I could help give you a kick, I did a little studying, not as much as I really should have though.

    Survey sites are great if you have an hour or two to spare, I signed up to Swagbucks in around May/June, I barely did anything in September and October and so far my earnings are £208. Prolific is also good although its been quiet for me recently but earnings there are £50 in about a month for very little work.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • ladymay
    • By ladymay 2nd Nov 17, 10:14 PM
    • 666 Posts
    • 3,202 Thanks
    ladymay
    Thanks DFD, I'm soooooo ready for bed now! And I'm glad you got a bit of studying done, a bit is better than none

    I might have a look at survey sites when I get the chance, but it seems every time I think I'll have a free day it gets taken up with something more important.

    Picked up a bit of non-singing event work for Saturday night, which is great - easy work looking glam and helping people find their seats, that sort of thing - but I now have to find cover for my volunteer shift and nobody is answering their emails Nothing seems to be simple at the moment! I'm aware I'm at risk of getting frazzled. November is normally my quietest month of the year but until I head to the airport on the 18th I'm flat out! I also have a ton of stuff to do in the UK, but I might spend the first couple of days catching up on sleep haha. The main thing for me is that my mood is good, which means I'm super productive.

    To do list for tomorrow:

    - prep for meeting with wedding couple on Sunday - the church they're getting married in will only allow sacred music and they're worried, part of my job is reassurance and giving them options so I need to check I'm covering all bases
    - find swap for volunteer shift on Saturday
    - email new client to set up invoicing account
    - sort set lists for next week
    - rejig finances
    - start sorting songs for carolling
    - make a PAD
    - NSD (unless I see cheaper diesel)

    And if I get time:
    - clean bedroom
    - clean bathroom
    - start creating UK potential client database
    - work out

    Along with a gig 90 minutes away, it's another full day...

    64 days to the big move!!
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • DebtFreeDuo
    • By DebtFreeDuo 3rd Nov 17, 9:32 AM
    • 452 Posts
    • 2,261 Thanks
    DebtFreeDuo
    Sounds like an extremely busy day for you today, good luck finding a swap. Why don't you try and get yourself into a routine with working out? I find if I do it first thing then it really sets me up for the day and I get so much more done because I am feeling more positive. I am now going to take my own advice and get myself on the treadmill right now instead of being lazy and telling myself '5 more minutes'.
    LBM 20/9/17 5101.55/5690.50 = Loan: 1923.70/2207.38 Car Loan: 2166.87/2419.64 0% CC: 1010.98/1063.48 DFD Oct 18.
    SPC 586
    • ladymay
    • By ladymay 3rd Nov 17, 9:54 AM
    • 666 Posts
    • 3,202 Thanks
    ladymay
    Financial update 03/11

    Incomings

    Owed on invoices - €1480
    Rest of Nov. - €1100
    December. - €3225

    Refund due. - €550
    Current buffer. - €450
    In purse. - €100

    Total: €6905

    Outgoings (to 05/01/18)

    Rent - €0 - paid to rest of year
    Groceries - €212.28
    Insurance - €184.05
    Breakdown - €14
    Fuel - €568.29
    Mobile - €66.06
    Car service - €200
    Ferries - €330.25
    The rest - €447.94

    Total - (2022.87)

    UK

    Current a/c - £170.00
    Credit Card - (£1716.52)

    Total - (£1546.52)

    Total surplus. - £4345.10 (at current exchange rate)

    Working in two currencies is SO CONFUSING!!! It's hard to be exact with figures when I'm relying on a stable exchange rate. But these are my thoughts...

    Looking at my budget for the rest of the year:

    Groceries - this might be a struggle, but I'm doing small bits like trying lower-brand items, quite enjoying the experiment! Turns out the cheap tea in @ldi is just as nice as the premium brand. I need to allocate time to batch cook once or twice a week.
    Fuel - should be fine. I average €70 a week on diesel which is a crazy amount of driving. I'm looking forward to moving to a more densely populated country
    Mobile - might be a little under...
    Car service - I really hope it's a simple service and this will cover at least part of the wing mirror cost
    Ferries - My Mr T vouchers are still in my account, if they all go through I can transfer this money over to the misc category at the end.

    I have no business or emergency funds atm.... BUT I think I can pay off my card and save over £2000 by the time I head back!

    Now for the hard work!
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
    • ladymay
    • By ladymay 3rd Nov 17, 9:59 AM
    • 666 Posts
    • 3,202 Thanks
    ladymay
    Sounds like an extremely busy day for you today, good luck finding a swap. Why don't you try and get yourself into a routine with working out? I find if I do it first thing then it really sets me up for the day and I get so much more done because I am feeling more positive. I am now going to take my own advice and get myself on the treadmill right now instead of being lazy and telling myself '5 more minutes'.
    Originally posted by DebtFreeDuo
    Swap found!

    I used to be so good with the exercise, just starting to get back into it now after the break up. I think I'll put some clothes on and get it done go DFD! Hope you have a good workout
    [COLOR=Navy]Debt 14/04/12: £15736.77
    Debt 09/12/14 ZERO POUNDS
    Debt 15/10/17: £1714.40
    Debt 14/11/17: £1631.61
    Moving back to the UK 05/01/18
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