Trials and tribulations of a Debt Free Wannabee!

savingholmes

clearmydebts wrote: »

Hi SavingH,

Sounds like a good idea but I don't think it is an expense you want to spend until you get another job

I mostly agree with you but....

Me and the kids would be happy with the wii fit for now but he isn't... perhaps an interim solution would be for him to join on his own? That would cost around £275 at cheapest price I think....

I am reading my coaching books again at the moment - trying to get inspiration! and to clarify my thoughts on what to do next.....

hypno06

For what its worth, I don't think you should spend £800 right now - you and the children are happy with the Wii, which is essentially free. You don't have an income coming in, and you don't know what it is that you want to do in the future yet, so have no idea what level of income will continue coming in.

You also have other variables still ahead of you which, if they go the wrong way, could make a big difference. For example, your mortgage changes in the summer, and you are hoping it will go down each month - but what happens if in 6 months interest rates start to rise again? You need to be ready for that sort of change, considering the potential income changes/study costs etc that you have.

£800 is a lot of money - if OH can join on his own, at £275, then that is £525 difference, which is a huge amount of money if you are "happy enough with the Wii".

clearmydebts

I agree. Is there no way your OH can go running/swimming until you get a regular income. Even £275 is a lot of money when you don't know the outcome of your accident claim and you don't know when you will get a job.

My OH was making some noises about us joining the gym but I said no straight away. I am on stat maternity pay and we are taking a big drop in wages. A few years ago I would have justified it but now but answer is that when the loan is paid off we can join the gym and then not worry about the money.

savingholmes

Hi CMD and hypno

Some good advice there - and I know you are right - it is still tempting tho! Thanks for taking the time out to respond.

I wrote 2 longer replies but both times lots network connection!

I will try and gently encourage OH to delay any gym membership moves.

I applied for a job about 20 miles away today - only 5-10 hours a week but if they paid a decent hourly rate that would probably secure our essentials - then could pursue other parts of dream to make the rest of the money we need. Life could certainly get interesting - I could end up with what Charles Handy years ago called a "portfolio career" where I earn money from lots of different sources. Since I like variety and hate being bored that could suit me down to the ground!

coldstreamalways

Portfolio career is the way forward SH, much more interesting!! Can't wait til I can afford to have one!! BTW got loads of stars on Woohoo!! It's addictive!!

starnac

hi saving. i like the idea of a portfolio career. i hate being stuck in one place all the time. at my last place of employment it was such a big company that i could do all my contracted hours at my normal place of work then pick up extra hours at other service areas. i loved that. the company i work for now only has 2 service areas so that's not an option for me and i'm starting to get very bored now after working there 12 months. i like variety.

savingholmes

hi csa and starnac

Well today I spent most of the day at the library

I read one minute entrepreneur and brought a few books home with me too. DS has gone to a friends and DD is at an after school drama group. I am working through some exercises in a coaching book called "Making the big leap" by Suzy Greaves. There's a lot to think about.

I have packed and unpacked the dishwasher and had a cappucino in town. I think being in the library is quite a constructive place for me - so may try and make it a regular hangout.... Gets me away from looking at my cluttered house and my excuses not to act on my dreams!

I have had an email back from the management consultancy role I applied for - and they are interested enough to want a telephone chat with me - so need to follow that one up! Interesting!

savingholmes

I just got rung up about the 10 hour job - just hope I didn't quote too low a wage....

hmmmm.... life could get interesting !

lunar

Sounds like things are exciting for you on the job front, ill keep my fingers crossed for you.

I know what you mean about working in the library, I always concentrate so much better in there than at home, and there is always a helpful librarian in the hospital libraries to help out when I get stuck trying to find a journal.

lucielle

Fingers crossed on the job front.
L