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KTjazz - the great life overhaul

Hello everyone :hello:,

I've decided to join quite a few of the others on here and start a diary. (I hope I keep it up to date...) There is so much in my life that I want to change and being honest, the journey has already begun. The main things are my debt, my career, my weight/body shape and my procrastination and laziness. I am the only person who can change any of it, so here goes...

A little about me
I am a 25 year old girl who this time last year was signing the paperwork for the mortgage for my first ever flat.

I have a great boyfriend who, as much as I love him, is rubbish with his money at the moment, but is getting better. :love:

I volunteer for Samaritans.

I play bass trombone in an orchestra. music.gif

I knit. knitting.gif

I am fluent in British sign Language and am working towards it being my career.

I currently work as an analytical chemist.

I wrote a '100things to do before I'm 30' list and have a very long way to go with it...

I am pretty sure anyone who knows me even a tiny bit has now positivly identified me...:o

What I want to change...

My debt is not huge. I have never been in the position that I can't pay towards it. That doesn't mean I don't want it gone though. I'd love to be debt free and with enough savings to finish my flat and finish my before 30 list. There are things I am paying for that are not on my signature though...:rolleyes:

I am in the process of gaining more qualifications in British Sign Language (BSL) woth the hope of it being my main career in 2009 sometime. One problem, these qualifications cost money, and a lot of it, and that is before you add the cost of books and DVDs and a webcam...:eek:

I am unhappy with how I look. I am overweight and unfit. I have a gym membership that I use sporadically (I know, shoot me now...). I have a new plan that should keep me interested past the 8 week barrier I usually get stuck at. if I don't say I am exercising please pester me. I will also be making huge improvements to my current diet.

As for my procrastination and laziness, I am hoping that the diet and exercise changes will give me more energy. I need to get organised to make the being less lazy plan much easier...


'The Big Clearout' is an ongoing project to rid my life of much of the rubbish I am hoarding just now, be it to charity shop, or sold or in some cases just binned.

I best go while some of you are still awake...

KTjazz
:hello: - Proud to be dealing with my debts!:j DFW nerd No. 1011!
I'm back, and this time I mean business!
If you need to talk to someone confidentially call Samaritans on 08457 90 90 90 or email jo@samaritans.org
My heart knows me better than I know myself so I'm going to let it do all the talking.
«13456760

Comments

  • redsquirrel80
    redsquirrel80 Posts: 12,457 Forumite
    Lots of luck with all your plans - sounds like you've got lots going on and a really positive attitude to it all :T
    Debt@16.12.09 £10,362.38, now debt free as of 29.02.2012.
    "I cannot make my days longer so I strive to make them better."
  • PercyPig
    PercyPig Posts: 162 Forumite
    Hi KT - I will look forward to reading your diary - you sound very positive so I am sure you will achieve all 100 things on your list :j

    Percy
    Dealing with my debt and my weight :D
    Debt at LBM 22/12/08 £33,270
    Debt now £30,100 (9.5% paid off)

    £2 coins saved and banked = £210
  • Sounds like you've got a plan.
    Best of Luck
    df
    Making my money go further with MSE :j
    How much can I save in 2012 challenge
    75/1200 :eek:
  • KTjazz
    KTjazz Posts: 688 Forumite
    redsquirrel80, PercyPig, dancingfairy - thanks for replying so quickly!

    It just feels like the time has come...

    as for the before 30 list Percy, I'm not sure I will complete it. There is some travel on there I have no idea how I'll ever pay for... I have done two of the most dificult things though - buy property and volunteer for Samaritans. I'm going to give it a bloomin' good try though!

    I might post the list on here some time actually. Much of it is very silly indeed.

    Thanks for your support! I hope I don't let you down. icon7.gif

    KT.
    :hello: - Proud to be dealing with my debts!:j DFW nerd No. 1011!
    I'm back, and this time I mean business!
    If you need to talk to someone confidentially call Samaritans on 08457 90 90 90 or email jo@samaritans.org
    My heart knows me better than I know myself so I'm going to let it do all the talking.
  • Wow I am 25 as well. I think maybe I need a things to do before 30 list as well- fab idea.
    df
    Making my money go further with MSE :j
    How much can I save in 2012 challenge
    75/1200 :eek:
  • You don't sound lazy at all! You sound like a really busy and interesting person with lots of different interests - so what if one of them isn't going to the gym- you're definitely not alone there!
    I was reading in the Daily Telegraph on Saturday a small graph to show the benefits of mortgage overpayments (small print on your policy permitting) and even a relatively small amount like an extra £50 per month made a big difference to the term of the mortgage and to the total amount of interest paid aver the term. I'll try and find a link for you. I'm a bit dense so don't hold your breath!
    Love LD x
    Up Jacob's Creek without a paddle!
  • Ola just a goodluck on the diary front and hey its so interesting hearing about other folk!
    Total debt 26/4/18 <£1925 we were getting there. :beer:
    Total debt as of 28/4/19 £7867.38:eek:
    minus 112.06 = £7755.32:money:
    :money:Sleeves up folks.:money:
  • andan
    andan Posts: 2,110 Forumite
    Hi KT, loving the diary. Also feel less embarassed about my wish list now, that i commented on yesterday's things to do today thread!!:o

    Wish you the best of luck with your diary and hope you achieve all that you set out to. Will read with interest and luck forward to following you on your journey.:T
    :j Live on £4500, £2531/£4500:T 101 in 1001 (52/101):j:beer::j


  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    KT what an inspiring and interesting person you are! I can't wait to read the next installment of your diary. :T

    Clearing out is good for you mentally and physically so you should find many other aspects of your life falling into the right place. I think you should post your 100 list up here to inspire the rest of us too :D

    One small thing.......there does appear to be a lack of dots in your diary, have you given them up?

    Piq
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • KTjazz
    KTjazz Posts: 688 Forumite
    Piquant wrote: »
    KT what an inspiring and interesting person you are! I can't wait to read the next installment of your diary. :T

    Clearing out is good for you mentally and physically so you should find many other aspects of your life falling into the right place. I think you should post your 100 list up here to inspire the rest of us too :D

    One small thing.......there does appear to be a lack of dots in your diary, have you given them up?

    Piq

    I have not and never will give up my dots. :dance: I was just needing to get the information on the page first. I'm thinking I might go back and do a dot addition edit...
    :hello: - Proud to be dealing with my debts!:j DFW nerd No. 1011!
    I'm back, and this time I mean business!
    If you need to talk to someone confidentially call Samaritans on 08457 90 90 90 or email jo@samaritans.org
    My heart knows me better than I know myself so I'm going to let it do all the talking.
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