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  • FIRST POST
    • SnowBallBunny
    • By SnowBallBunny 25th Nov 17, 1:03 PM
    • 32Posts
    • 68Thanks
    SnowBallBunny
    Financial Freedom + Self Care
    • #1
    • 25th Nov 17, 1:03 PM
    Financial Freedom + Self Care 25th Nov 17 at 1:03 PM
    Hello everyone,

    I want to pay off my debt and move forward with my life. I'm a young woman with no children and I'm capable of addressing this, I can change things for the better now.

    I thought I'd seek support and encouragement here as this whole process can be so stressful. And although a lot of people are in debt, it's a taboo subject, no one talks about it. I'll be logging my progress here at least once a week. I plan to complete Dave Ramsey’s Baby Steps 1 – 2 by the end of 2018.

    Baby Step 1 – Save £1K Emergency Fund.
    Baby Step 2 – Pay off debts smallest to largest.

    At the moment I am temping at a University as an Administrator until mid February 2016 - while looking for a permanent role or contract role (12 months+). I would like to be self employed as a Project Management Officer and retrained late last year in order to do this work. The market is slow at the moment, and I've been approached about roles but haven't secured anything yet. I can make my company dormant for a year or two while I work at a permanent/contract role and pay off the debt.

    I'm an Artist at heart but pursuing my creativity is part of the reason that I'm in debt now so I'd like to earn more money and perhaps find time (either weekends or holidays) when I can do something creative just for myself. Once I've paid off the debt my mind will be clearer. I also considered starting a small side-business this year selling hair care products as I make them for myself but I just feel so stressed by this debt, it's hard to think about anything else.

    It's hard to not obsess about the debt and the stress has affected my sleep. I've slept 4 hours a night each night over the past two weeks. I bought some herbal sleeping pills and will do more to calm myself down and practice self-care:
    Aromatherapy - I already have oils have and know how to blend oils so this won’t cost me anything.
    Meditation – Free and there’s a Buddhist Centre near work that I can go to as well as a Chapel I can visit to relax and be still.
    Walks – I can walk at lunch time and part of the way home to begin with, 30 mins a day doesn’t feel like much but it’s a start.
    Swimming - I can swim for free on weekends within my local area.

    I find myself regretting so many decisions that I've made. I could have saved so much money while I lived at home and made better decisions. I worked so hard and didn't save, instead I got into debt. I didn't feel like I could tell anyone for ages or get any help and I've felt so stuck, defeated and alone.

    My sister is the only one who knows about the debt and I don't want to stress her out or to burden her with what I'm feeling. I don't feel like I can tell any friends or other relatives. Also I haven't seen my friends for ages and felt so isolated at my previous workplace that I really need to socialise - for free. I'll be volunteering at a local homeless shelter today.

    In five years my aim is to work as a Business Analyst. I am studying for a Business Analysis qualification and will save up for the exam as soon as I can afford to. I have the textbook and reading it is free so I think that's the best thing for me to do right now, simply study at home.

    I am budgeting and watching every penny. As I'm working as a temp, I'm getting paid per hour and receive money weekly. So I have weekly and monthly budgets as my hours can vary slightly.

    Week One Summary
    Task: Use my Debit Card only.

    I have had to use CC 1 for travel and food over the past few weeks as I was waiting to get paid, through my Debit account. As I got paid yesterday I can now switch to my Debit Card and move forward using that one card. This will stabilise the debts on the other cards moving forward.

    Debts
    Credit Card 1 £6,000/£5,944.34
    Debit Card 2 £5,000/£4,899.63 (Using this account to pay bills so it’ll fluctuate)
    Credit Card 2 £1,200/£1,186.48
    Accountancy Bill £144 (Last Payment in December)
    Tax Bill £750 (Monthly instalments December 2017 – May 2018 / £150 per month)
    Total £12,924

    Week Two Goal
    Put £200 in Energy Fund - Unexpected expenses can arise so my aim is to set aside £200 for an Emergency Fund. I’m temping so I want to set aside a 1 month Emergency Fund of £1K by January just incase something happens with this contract. Then I’ll move to Baby Step 2 and pay off the remaining debts from smallest to largest.

    Week Two Budget
    Earnings £458.28
    Bills Broadband £18.99
    Credit Card 1 Payment £150
    Travel £15
    Food £15
    Total: 259.29

    I'm not going out, socialising or doing anything fun that's not free of charge. Hopefully I can go to a free art exhibition or something like that sometime soon. The stress I've been feeling has been so draining. The University has a free telephone counselling service, I called last week and spoke to someone lovely. I'll try to call again more regularly. My minimum payments and bills are being met and now I will have some additional money to fund Baby Step 1.

    I don't drink alcohol or smoke so that's not an issue, as Dave says's I'm eating Rice and Beans, Beans and Rice until this is taken care of.

    Thanks for reading and all the best with your debt-free journeys.
Page 2
    • doingitanyway
    • By doingitanyway 3rd Dec 17, 8:19 PM
    • 2,212 Posts
    • 10,224 Thanks
    doingitanyway
    Great goals and positive steps. Have a good week
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,475
    MORTGAGE FREE 25/07/16
    • SnowBallBunny
    • By SnowBallBunny 3rd Dec 17, 8:21 PM
    • 32 Posts
    • 68 Thanks
    SnowBallBunny
    Thank you! Have a lovely week too.

    Also, you're signature is inspiring, well done for making so much progress and for being mortgage-free!
    Last edited by SnowBallBunny; 03-12-2017 at 8:23 PM. Reason: Left out a comment.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1,200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17) Tax Bill £600 (Monthly instalments 15.12.17 - 15.5.18 / £150 per month) Debt Snowball Baby Step 1 Emergency Fund: £200 Total £12,187 (Emergency Fund £200)

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 6th Dec 17, 8:34 PM
    • 32 Posts
    • 68 Thanks
    SnowBallBunny
    Update
    Update: Went to a recruitment agency this morning. Half way there got stuck in traffic for almost 30 minutes, I persevered and went and did my best. Got to work later than expected so I worked late to make up the time. I have an another appointment at another agency next week.

    Spoke to a counsellor yesterday. They encouraged me to take small steps towards resolving things. It was a good reminder that change happens over time.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1,200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17) Tax Bill £600 (Monthly instalments 15.12.17 - 15.5.18 / £150 per month) Debt Snowball Baby Step 1 Emergency Fund: £200 Total £12,187 (Emergency Fund £200)

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 7th Dec 17, 6:43 PM
    • 32 Posts
    • 68 Thanks
    SnowBallBunny
    Update:


    Tomorrow is payday but I won't have time to update you all tomorrow so I'll do it today instead. Thanks for continuing to join me on this journey.

    Snowball: £250

    I decided to pay £100 into last week's Snowball instead of £200 due to unexpected expenses. I'll have more to contribute this week, £150 instead of £50! This is because I spent so little this week and I was able to work a bit of overtime - that opportunity is rare where I work. I'll be applying for part time work this week.

    Unexpected expenses:

    Felt ill today, couldn't go to work. I get paid hourly so I didn't want to miss out on that money but I couldn't go. I know that stress is causing this so I need to relax and have faith in myself and that this situation will improve. I'll go in tomorrow and do some calming aromatherapy tonight.

    £79 Online Business Analysis Course - I haven't been reading much, I've been obsessing about debt and need to make progress on my studies so that I can sit the exam in the New Year and put myself in the position to make more money. I got a discount on this course and this course will provide me with a discount on the exam itself. I really thought long and hard about this purchase. I also have another meeting with a recruitment consultant this coming week who may ask me about the course.

    £15 Web hosting - I run an art group once a month and use a website to secure members. I make a small profit on workshops so I decided to keep up the web hosting and start doing workshops again in the new year.

    £15 Train ticket to see relative - Basically, this whole situation has caused me to reflect on a lot of things. I've forgiven people and would like to make an apology myself. There's a relative I want to make an apology to and if I don't go this weekend, I won't have the space to do it before New Years. I just want to make the move now. We are on good terms I just want to do this and let the situation go.

    Received an update from a Recruitment Consultant regarding a Project Management contract role I applied for, a very well paid one. It's been placed on hold and the client has my CV. So even though it's on hold, it felt so good to get an update from someone because I've been making calls and chasing up opportunities. It only takes one contract. If I get one well paid contract, I'll clear this debt so quickly and then I'll be able to think clearly and to make my next best move career-wise and in relation to other areas of my life.

    It's a race between whether I secure a well paid contract for a few months or a permanent role that doesn't pay as much but it would be permanent/stable which would allow me to clear my debt - over a longer period of time.
    Last edited by SnowBallBunny; 07-12-2017 at 7:33 PM. Reason: Added additional section at the bottom.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1,200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17) Tax Bill £600 (Monthly instalments 15.12.17 - 15.5.18 / £150 per month) Debt Snowball Baby Step 1 Emergency Fund: £200 Total £12,187 (Emergency Fund £200)

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 7th Dec 17, 7:39 PM
    • 32 Posts
    • 68 Thanks
    SnowBallBunny
    Also I received my remaining refunds for the subscription I was incorrectly charged for so the total on that card is lower now - thankfully.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1,200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17) Tax Bill £600 (Monthly instalments 15.12.17 - 15.5.18 / £150 per month) Debt Snowball Baby Step 1 Emergency Fund: £200 Total £12,187 (Emergency Fund £200)

    A SnowballBunny, hopping my way to Financial Freedom.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Dec 17, 7:56 PM
    • 2,269 Posts
    • 10,927 Thanks
    HairyHandofDartmoor
    You are young enough to turn your situation around Snowball. I was in debt from when I was 18 until I was 53 . You can imagine how many regrets I have .

    However it's never too late to change. Once you get a full time job you will be able to pay off your debts more quickly and then start saving for your future.

    Try not to concentrate on too many things at once or you could become overwhelmed.

    Seeing friends and family, exercising, looking for higher paid work and paying off your debts should be your main focuses imo.

    Good luck you can do it .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • SnowBallBunny
    • By SnowBallBunny 7th Dec 17, 9:12 PM
    • 32 Posts
    • 68 Thanks
    SnowBallBunny
    You are young enough to turn your situation around Snowball. I was in debt from when I was 18 until I was 53 . You can imagine how many regrets I have .

    However it's never too late to change. Once you get a full time job you will be able to pay off your debts more quickly and then start saving for your future.

    Try not to concentrate on too many things at once or you could become overwhelmed.

    Seeing friends and family, exercising, looking for higher paid work and paying off your debts should be your main focuses imo.

    Good luck you can do it .
    Originally posted by HairyHandofDartmoor
    Your message was so thoughtful and kind. You're right, it is never too late to make a positive change. And it is best for me to focus on a small number of priorities including family and friends. Thanks for taking the time to leave such a lovely message.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1,200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17) Tax Bill £600 (Monthly instalments 15.12.17 - 15.5.18 / £150 per month) Debt Snowball Baby Step 1 Emergency Fund: £200 Total £12,187 (Emergency Fund £200)

    A SnowballBunny, hopping my way to Financial Freedom.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Dec 17, 9:19 PM
    • 2,269 Posts
    • 10,927 Thanks
    HairyHandofDartmoor
    You're very welcome .

    That's why we're all here on this forum, to help each other and keep each other motivated. It's very easy to get down when dealing with debts, but other people can often see your situation more clearly than you can .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • SnowBallBunny
    • By SnowBallBunny 9th Dec 17, 3:08 PM
    • 32 Posts
    • 68 Thanks
    SnowBallBunny
    Unexpected expenses update: £15 Train ticket to see relatives was actually £25.60 as I had to buy a return and get a cab (£6) to my relatives place as I arrived at a time when I couldn't be picked up - due to work schedules. I made my apology and it was accepted. It was a good and humbling experience. I was told that I'd already been forgiven years ago but I just had to take the time to express myself and let things go.

    Back at the homeless shelter this evening for a short shift, helping everyone to set up.

    Hoping to sort out my sleep and get back into a regular pattern starting this evening. I've let my usual healthy eating regime slide a bit lately and I think that's part of what's affecting my sleep and general energy. I usually drink so much water so I've started getting back into that habit, I'll start small and get back to my usual 2 litres a day soon.

    It's a time of transition and change for me, really reflecting on my life, my career path, relationships, the kind of future I want. I need to worry less and just trust and have faith in positive things. Something good can always happen.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1,200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17) Tax Bill £600 (Monthly instalments 15.12.17 - 15.5.18 / £150 per month) Debt Snowball Baby Step 1 Emergency Fund: £200 Total £12,187 (Emergency Fund £200)

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 9th Dec 17, 3:50 PM
    • 32 Posts
    • 68 Thanks
    SnowBallBunny
    Food for thought & Goals.
    I watched a Youtube video by an American woman called Stacey Flowers who is paying off $208,453.27 debt - again. She's keeping a vlog of her experiences and she said something that really made me think. She said something like, "The reason we don't reach our dreams is because we are still paying off some other dream that we invested in e.g. going to Uni, owning a home etc."

    I know that paying off this debt will feel freeing and be part of me letting go of a dream and doing things in a better way. Her video really gave me food for thought. She has more debt to pay off that I do but it just goes to show that no matter the amount, it can feel so heavy.

    Career-wise I'm pursing something sensible rather than something creative that I'm passionate about. I want a stable, higher paid job. If I can add creative skills (that will make me money) to that, like Marketing, then I'm open to that.

    Better get ready for the homeless shelter, need to find some comfy practical clothes.

    This thread has had £1K views! Amazing. Thanks to everyone who has contributed and to the kind 'lurkers'. I was a DFW lurker for a few weeks and I'm glad I started this thread.

    Goals this week:
    • Set smaller Snowball goals for myself, unexpected expenses happen. When I can overpay it, I will. Snowball payment is £100 this week bringing me up to £200. And I'm OK with that. I'm doing my best.
    • Improve my sleep.
    • Do breathing exercises to relaxing sounds/music.
    • Be kinder to myself.
    Last edited by SnowBallBunny; 09-12-2017 at 8:10 PM. Reason: Snowball note
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1,200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17) Tax Bill £600 (Monthly instalments 15.12.17 - 15.5.18 / £150 per month) Debt Snowball Baby Step 1 Emergency Fund: £200 Total £12,187 (Emergency Fund £200)

    A SnowballBunny, hopping my way to Financial Freedom.
    • Lauralozzle
    • By Lauralozzle 10th Dec 17, 5:55 PM
    • 476 Posts
    • 4,321 Thanks
    Lauralozzle
    You’re doing your best and that is all you can do. I personally think your are doing fab, you are making the payments, it will go down. Sometimes you’ll be able to pay more than other times and that’s just life. We all have unexpected things that crop up.
    December grocery challenge £136.56/£250 | December NSD 4/15
    Credit Card 1: £145 (0%) | Credit Card 2: £2,256.06 (0%) | Credit Card 3: £787.60 (0%) Car Finance: £7,865 (7.9% APR) | Mortgage: £111,363 (3.99% APR)
    • SnowBallBunny
    • By SnowBallBunny 10th Dec 17, 6:32 PM
    • 32 Posts
    • 68 Thanks
    SnowBallBunny
    First Tax Bill instalment paid. £750 - £150 = £600 remaining

    Will cook some food tonight for lunch. I've bought my food shopping down to under £12 per week.

    Usually, I keep things to myself but this situation is encouraging me to open up to supportive people. Will spend some time with my Mum later this week, either in person or a long phonecall. I've also been referred for (free) counselling through the Uni.

    I think that talking about my emotions and writing them down will help me to sleep well.

    Also exercising, eating well and getting a better paid role will help. I want to be able to have a larger and fixed monthly salary so that I can really count down this debt repayment. I also know that I just need to be calmer, this is a situation that I can turn around within this coming year.

    I know that I must practise patience and encourage myself to have a more positive outlook. I'm so positive when it comes to other people, I need to apply that to myself much more.

    Helped set up at the homeless shelter yesterday, it went well and it felt good to work as part of a team to help others.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1,200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17) Tax Bill £600 (Monthly instalments 15.12.17 - 15.5.18 / £150 per month) Debt Snowball Baby Step 1 Emergency Fund: £200 Total £12,187 (Emergency Fund £200)

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 10th Dec 17, 6:40 PM
    • 32 Posts
    • 68 Thanks
    SnowBallBunny
    You’re doing your best and that is all you can do. I personally think your are doing fab, you are making the payments, it will go down. Sometimes you’ll be able to pay more than other times and that’s just life. We all have unexpected things that crop up.
    Originally posted by Lauralozzle
    Thanks so much. Really appreciate your positive comments Lauralozzle. It's true, I am doing my best. I think it'll be good to look back on this thread (once the debt is paid) to see how far I've come.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1,200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17) Tax Bill £600 (Monthly instalments 15.12.17 - 15.5.18 / £150 per month) Debt Snowball Baby Step 1 Emergency Fund: £200 Total £12,187 (Emergency Fund £200)

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 12th Dec 17, 8:10 PM
    • 32 Posts
    • 68 Thanks
    SnowBallBunny
    It's been a busy two weeks at work. Today I caught up with some outstanding work and organised my workload. Even though I felt tired (due to lack of sleep) I did feel accomplished.

    I had a meeting with a few colleagues, one of them made an error last week and tried to blame me for it. I'd prefer to work together to avoid the same situation happening again. I stayed calm and expressed myself during the meeting. She got quite insulting, I kept it logical and constructive. I think that debt can make you feel more sensitive to these kinds of situations. It can make you feel vulnerable. But the truth is, she (or to be specific, her drama) is not important. I can't let others bring me down. I thought that maybe someone else who reads this thread might be able to relate. Everyone else at work is really nice and easy to work with.

    I have more important things to focus on. I need to recharge and practice more selfcare. I'll call my Grandparents soon too.

    Staff Christmas lunch coming up later this week. Lunch (£10) and Secret Santa (£5) and I'll wear a dress I already have and lots of layers, it's been freezing lately. I must admit I didn't want to go at first but work events like this to affect your employability moving forward. And it's Christmas, so it's once a year. I have kept things so financially lean lately that I know that this is the exception.

    Jobwise the market has slowed down. I have a short list of permanent roles, so I can work on those applications over Christmas, rest-up and search for my ideal role in the new year.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1,200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17) Tax Bill £600 (Monthly instalments 15.12.17 - 15.5.18 / £150 per month) Debt Snowball Baby Step 1 Emergency Fund: £200 Total £12,187 (Emergency Fund £200)

    A SnowballBunny, hopping my way to Financial Freedom.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th Dec 17, 8:16 PM
    • 2,269 Posts
    • 10,927 Thanks
    HairyHandofDartmoor
    First Tax Bill instalment paid. £750 - £150 = £600 remaining

    Will cook some food tonight for lunch. I've bought my food shopping down to under £12 per week.

    Usually, I keep things to myself but this situation is encouraging me to open up to supportive people. Will spend some time with my Mum later this week, either in person or a long phonecall. I've also been referred for (free) counselling through the Uni.

    I think that talking about my emotions and writing them down will help me to sleep well.

    Also exercising, eating well and getting a better paid role will help. I want to be able to have a larger and fixed monthly salary so that I can really count down this debt repayment. I also know that I just need to be calmer, this is a situation that I can turn around within this coming year.

    I know that I must practise patience and encourage myself to have a more positive outlook. I'm so positive when it comes to other people, I need to apply that to myself much more.

    Helped set up at the homeless shelter yesterday, it went well and it felt good to work as part of a team to help others.
    Originally posted by SnowBallBunny
    You have exactly the right attitude to life in this post . You will definitely succeed if you keep this up .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th Dec 17, 8:17 PM
    • 2,269 Posts
    • 10,927 Thanks
    HairyHandofDartmoor
    It's been a busy two weeks at work. Today I caught up with some outstanding work and organised my workload. Even though I felt tired (due to lack of sleep) I did feel accomplished.

    I had a meeting with a few colleagues, one of them made an error last week and tried to blame me for it. I'd prefer to work together to avoid the same situation happening again. I stayed calm and expressed myself during the meeting. She got quite insulting, I kept it logical and constructive. I think that debt can make you feel more sensitive to these kinds of situations. It can make you feel vulnerable. But the truth is, she (or to be specific, her drama) is not important. I can't let others bring me down. I thought that maybe someone else who reads this thread might be able to relate. Everyone else at work is really nice and easy to work with.

    I have more important things to focus on. I need to recharge and practice more selfcare. I'll call my Grandparents soon too.

    Staff Christmas lunch coming up later this week. Lunch (£10) and Secret Santa (£5) and I'll wear a dress I already have and lots of layers, it's been freezing lately. I must admit I didn't want to go at first but work events like this to affect your employability moving forward. And it's Christmas, so it's once a year. I have kept things so financially lean lately that I know that this is the exception.

    Jobwise the market has slowed down. I have a short list of permanent roles, so I can work on those applications over Christmas, rest-up and search for my ideal role in the new year.
    Originally posted by SnowBallBunny
    I think you handled the horrid person at work situation very well, that's exactly how I would have handled it .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • SnowBallBunny
    • By SnowBallBunny 12th Dec 17, 8:22 PM
    • 32 Posts
    • 68 Thanks
    SnowBallBunny
    You have exactly the right attitude to life in this post . You will definitely succeed if you keep this up .
    Originally posted by HairyHandofDartmoor
    Thank you Hairy! Really appreciate your kind words. You made a big change and chose to become debt free. It takes courage to make a change and I really respect that. Thank you.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1,200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17) Tax Bill £600 (Monthly instalments 15.12.17 - 15.5.18 / £150 per month) Debt Snowball Baby Step 1 Emergency Fund: £200 Total £12,187 (Emergency Fund £200)

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 12th Dec 17, 8:26 PM
    • 32 Posts
    • 68 Thanks
    SnowBallBunny
    I think you handled the horrid person at work situation very well, that's exactly how I would have handled it .
    Originally posted by HairyHandofDartmoor
    Thanks. It's been so long since I've had to deal with someone like that at work. Did my best.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1,200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17) Tax Bill £600 (Monthly instalments 15.12.17 - 15.5.18 / £150 per month) Debt Snowball Baby Step 1 Emergency Fund: £200 Total £12,187 (Emergency Fund £200)

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 12th Dec 17, 9:44 PM
    • 32 Posts
    • 68 Thanks
    SnowBallBunny
    So I called my Mum, she'd just woken up from a nap. So I chatted with her for a short time. She recently retired (very recently) but she wants to work and study and do all sorts of things. She's amazing, so thankful for her.

    I'm reaching out to old friends and contacts to reconnect. I need to socialise more.

    I have been looking into part time jobs. I think my ideal role would be working multiple shifts in one place, either near home or work - to cut down on travel costs. I'd love to do Thursday nights, Friday nights and Saturdays. A few roles stick out to me:

    Reservations Assistant at a restaurant.
    Box Office or Venue Asistant at venues, art galleries or museum - evenings and weekends.
    Weekend Office work at an Estate Agents.
    Supermarket cashier.

    I'll have to rework my CV for these kinds of roles but I think it would be a good thing. One step at a time.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1,200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17) Tax Bill £600 (Monthly instalments 15.12.17 - 15.5.18 / £150 per month) Debt Snowball Baby Step 1 Emergency Fund: £200 Total £12,187 (Emergency Fund £200)

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 13th Dec 17, 9:50 PM
    • 32 Posts
    • 68 Thanks
    SnowBallBunny
    Christmas Lunch & Life Path
    So I had my work Christmas activity/lunch today. We did a murder mystery activity first then had lunch. I was placed in the middle of a great team and I had a real laugh with them. Everyone brought skills and ideas to the task and we cheered eachother on and enjoyed ourselves. We solved our mystery just in time and although I was reluctant to go at first, I had a great time and liked being a 'detective'. It really helped to take my mind off the debt and it was great to do something fun and different.

    During lunch, we also exchanged Secret Santa gifts. I bought mine last night and I don't think that the recipient was impressed. Lol. It was a cute mug. He wasn't impressed with the lunch either. To each their own. I felt a bit dissapointed for a moment, because for me, it was an unexpected expense to even buy a gift but he has the right to like or not like something. Also I recieved a lovely thoughtful gift from someone. A small motivational career/creativity book. I was touched.

    The unpleasant person I mentioned earlier has been avoiding eye contact with me since last week (prior to the mistake they made) and whispered to him that I bought him the gift, well I think she did. At first I thought, "What's the point in behaving like that? We're adults". But people carry themselves as they choose to - even if they choose to behave in ways that are silly and strange. She tries to avoid me even though our roles require us to communicate and help eachother. That's fine, I'll leave her be and communicate when it's related to work - no small talk.

    To be honest, I have no hard feelings. Another colleague suggested that she's acting poorly due to her own personal problems. I'll just assert myself when required and focus on my work - and there is plenty of it at the moment, which is a good thing.

    Do unpleasant or rude people annoy or irritate me? Yes, sometimes in the moment but I can learn something from the situation and move on. I can also focus on how I treat others and how I can improve as a person.

    I know that I deserve to pay attention to my situation and to improve my life. I'm someone who has worked so hard since I was 15 through paid work, volunteering, studying, interning and I deserve to have money in the bank to show for my hard work. I need to manage and take care of my money and also my own gifts and talents, because they are also a type of abundance and wealth also. I also need to stop thinking about what I should have done and could have done. As the song goes..."shoulda, woulda, coulda"...oh the song is by Beverley Knight.

    Today I turned my thoughts to the higher paid job I want, as well as lifestyle and life-path changes and decisions that I'll be making in the coming year. Those are the things that matter. I can do this. It's scary to face up to things and to make a change, be vulnerable, try a different approach. But really it's a must. I grew up in a rough neighbourhood and I can create a must better lifestyle and future for myself and my future family. I'm willing to do the work that is required to make those changes.

    Also, people I've reached out to reconnect with have started to reach out to me too. I invited two colleagues for lunch, they would both like to join me. They both have creative interests too and I'm enjoying getting to know them so I'll schedule something.

    I've been coming up with melodies on my way to work. Haven't done much creatively lately. I'd like to sing more.

    I slept for three hours last night! That might not sound like much, but for me it's a relief. I have been exhausted for a month. No sleeping pills used and I can get back to a full night's sleep in time. Thank goodness. I look forward to longer peaceful nights.

    Positive song: I Feel Good by Traces of Blue

    You can find the song on Youtube, it was a recommendation from my sister. Truly uplifting.

    As always, I really appreciate every single one of you who reads this thread. Thank you to everyone who has contributed positive encouraging comments and thanks to the lurkers.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1,200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17) Tax Bill £600 (Monthly instalments 15.12.17 - 15.5.18 / £150 per month) Debt Snowball Baby Step 1 Emergency Fund: £200 Total £12,187 (Emergency Fund £200)

    A SnowballBunny, hopping my way to Financial Freedom.
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