A fresh start

Seaxwyn

Thanks guys. I do feel as if I have come to the end of something. I need to sit down with some A3 paper and coloured pens and work out what I want to do. I still have horribly tangled feelings about OH.

ZTD

Seaxwyn wrote: »

Thanks guys. I do feel as if I have come to the end of something. I need to sit down with some A3 paper and coloured pens and work out what I want to do. I still have horribly tangled feelings about OH.

Don't forget the cuppa. No great decisions were made without the attendance of a cuppa.

:grouphug:

Wordsmith

Good luck.

Seaxwyn

July is nearly over and, barring any unexpected changes overnight, I should start August with £677.28 less debt than July.

I didn't expect a big drop, or even any drop, as this was the month I paid £1,000 insurance excess and £300 tax. But I got a surprise £640 child tax credits rebate.

My monthly tax credits have gone up to a huge sum as well. I daren't write how much as you will all tell me there must be a mistake. But I've given them my best estimate of our earnings for this year, so if there is a mistake it's theirs not mine and I'll wait for them to spot it.

The tax credits rebate cheered me up no end and since then a few other good things have happened money-wise.

• Today I was looking at sandals in the Clark's sale and was tempted to buy some. In the end I decided not to, but was feeling rather glum. Then my sister showed up and gave me a pair of Clark's sandals she'd bought that didn't fit her - they were nicer than the ones I'd been looking at and she didn't want money for them.
• I was worrying over what to give my mum for her birthday. OH had the genius idea of giving her two sunflowers I'd grown from seed, I've planted them outside her kitchen and she is delighted. A successful present and totally free.
• I have been wondering whether I could justify going to a third festival this summer (been to one already and booked another in August). Today I got an email offering free tickets for me and the kids in return for helping out with a few things.

So nothing major but it has all made me feel optimistic about fate giving me things I need or want if I just maintain a positive attitude.

August will be the first month of my three-day-week salary, so things will be tighter. I'll earn a lot of freelance money but that won't come through til September. I'm not going to stress about it, just trust that things will be OK.

I didn't do the working-out-what-I-want thing. That will have to wait for another time.

hypno06

Lots of good news there! And maintaining a positive attitude definitely helps!

As for the "what-you-really-want" stuff......don't leave it too long. Work it out, even if you don't act on it right away. it is good just to acknowledge it to yourself if nothing else x

chevalier

Good luck with tightening the purse strings once again. And good luck in doing the what do you want stuff. I think it is really important you don't put this off much longer. Otherwise things have a habit of happening on their own with little planning and that can be harder to cope with...

Seaxwyn

I'd forgotten about the life insurance payments which go out on the first of the month, so my 1 Aug total is £22,763.24, or £637.45 less than 1 July. I'm still pleased with that.

hypno06

It is all moving in the right direction, and is a significant improvement from a few years ago.

Happy August!

taxi73

All sounding very positive there and it's certainly going down

millionaire_in_training

Sea, good luck with the belt tightening for this month. Good luck with the decisions on your horizon. Just good luck in general