£7k in 7 months...I hope!

Ceniza

jtr2803 wrote: »

Just checked and.....

Estimated Total Remaining Debt £6652.58 Estimated Completion Date December 2012
Getting there!!:j

WOW - go you!!

Glad the trainers went down well I think most people are going away because there are a lot of deals to be had at the moment as the travel opperators have a lot of holidays they've not sold so you can pick up some really good deals

Kepp

jtr2803 wrote: »

Just checked and.....

Estimated Total Remaining Debt £6652.58 Estimated Completion Date December 2012
Getting there!!:j

:beer: Well done!!!!!! :beer:

jtr2803

Hi everyone.

Had yesterday off work to spend with DD, she had no idea what she wanted to do so we just ended up walking round local garden centre then baking two lots of cakes, playing monopoly (which I won ) and then watching Goonies . My mum has gone off to Vegas, she had a 5 hour delay going out but I got a text at 6am with a pic of the hotel so I know she got there safe.

Think I am having an off day or two, I feel what I can only describe as 'restless' if that makes sense, I feel so bored of life in general, I can't concentrate on things and feel like I am just bumbling along (and now I'm rambling as well :rotfl:). I have this awful urge to go travelling, on the practical side at the moment it's just impossible with Debt, DD and my job but another old school friend is off to see the world. I really feel like I am missing out by not doing this . I don't even think I could once debt is paid off, I am being primed to take over my bosses job in the next 2 years and while I think they would let me take a sabbatical, I wouldnt be able to return to the job I do now, let alone a promoted position. Add to that the fact I can't see my OH remotely wanting to up and go for 6 months, he has been with his employer for over 12 years now and is also hoping to get promoted too.

My fish tank is causing me some issues too at the moment and I am desperately trying to keep everything alive. I am working 2-6pm today so got to go and get ready soon, then I will come home and try and sort out the fish tank. Feels almost like a vicious circle but I know I should be grateful for my job, having somewhere nice to live, food in my belly and a lovely OH.

x

LittleMoog

Hi Jody,
Sorry to hear you're feeling a bit down atm. I went through a phase a few months ago of feeling quite restless and dissatisfied, not because i'm unhappy, but because it felt like nothing was going to change. DH didn't really get it, but we took some time off and made a plan for the next few years, including things like hols, moving house, predicted dfd, babies etc, so I could see where we're heading. It made me feel better about things. Maybe something like that would help?

Sounds like you had a lovely day with dd though

jtr2803

Thanks Jules, it's nice to know I haven't completely lost my marbles :rotfl:. I think you hit the nail on the head, I am not unhappy by any stretch of the imagination but I just feel like I am stuck in a rut, I suppose that explains the inexplicable need to go travelling or do something extreme.

We have lived in this flat for 18 months now and we have lived together since pretty much day 1 so I guess at this stage of our relationship most people would just be making plans to move in together but we have already had all those shennanigans. I've been where I work for 4 years now and have been doing my current job for just over 2 years, there are plans for my role to change by the end of this year so maybe that will help. The Debt is obviously restrictive in this sense as us buying our own house is realistically quite a few years off yet .

I haven't said anything to OH about it as I don't want to think I am bored of him because that is totally not true. We are total opposites in that I like to have a 'plan' and know where I am heading long term but OH is very much a 'here and now' type of person, he doesn't give much thought to what he is doing over the next week let alone the next few years. I don't think children are really going to be on our long term agenda and I don't see us getting hitched any time soon either. Holidays come under the unknown as that depends on money. I want to try and make more effort to go out and see people and do things but again, it's money dependant and also work in the pub dictates my whole weekend and I have to work round that. In short I feel like I work, clean, sleep, work, clean, sleep...you see where this is going .

I really need to try and hold out until the end of this year as that's when things could all change and hopefully I wont be so restricted. That's the 'plan' for now anyway

kavics17

Oh, I hate having plans:) though I'm really organized and usually have one anyhow:). OH is completely the opposite, he nags me constantly about what's the plan for the future? stuff, not like I know! It gets a bit too much sometimes as he really wants to plan it month by month but than it never happens the same way...like we wanted to buy a house next year but after seeing this one, we bought it within a month of seeing it, IYKWIM. Try to be more relaxed about things and see the good side, it will cheer you up a bit!

Eastbourne was awful on Friday, it was so rainy so good that you couldn't make it:D. Saturday was a much better day but gosh, airshows can be so boring! I only liked the Red Arrows:). I would insert pictures if I could but I can't:o, sorry.

jtr2803

Good Morning All,

Sorry to hear about the airshow and the rain, quite glad I didn't go now! Can't believe summer seems to be over, I woke up absolutely freezing yesterday morning, brrrrr :rotfl:.

Sunday eve in the pub was B O R I N G, think all the cutomers were hungover from the big do on the saturday and it was so dead. Still taking my brother to work at the moment but mum comes back tomorrow lunch time so I only have one more morning run to do hopefully.

Not much else to report, paid a wadge of cash into the bank yesterday and that's gone into savings but you will have to wait till next Wednesday for the grand savings total . Might go to the zoo this Friday with DD but I already bought the tickets so it will be a cheap day out, work is busy at the moment though so it depends how the rest of this week goes. Still spending a fortune on feeding my fish, MUST get my own food cultures going, if I don't use them all I can sell them .

Hope everyone is well, I will attempt to pop on and catch up over the course of the day!

x

OrangeFairy

Well done on the savings!

I can't wait to start saving rather than have to use all our money for either wedding bits or overpayments!

I hope you have a great day.

Fingers crossed work goes okay so you can manage to take DD to the zoo.
Both OH and i are off on thursday so if it is raining we are going to go to the cinema and then pizza express or if it is sunny we will take them out to Crealy Adventure park or Pennywell Farm - both of which we have vouchers for.

Have a great day x

Kepp

Hey Jody,

Just catching up with everyone.

Sorry to hear that you’re feeling a bit down.

Don’t think you’re losing it at all, just think you sound completely normal!:)

It’s easy to end up feeling a bit stuck, especially when money restricts so much of what you do. Whether it’s because you can’t afford something, you have to do something the complicated way to save money or you have to turn down something fun because you’re working. And of course you’re only working to pay the debts! I think that’s why sometimes it can feel like debt has taken your life over and that you’re stuck going nowhere. Especially when you’re tired (again from working and thinking bout debts!) it can make things seem so much worse.

I’m maybe the wrong person because I definitely would suggest travelling! Obviously I wouldn’t suggest doing what I did (going while still in debt and making the debt worse!) but I still think it’s something you definitely consider. For me each time I’ve been has been an amazing experience, I’ve had so much fun, learnt so much, put so much in perspective and even the scary or bad moments all worked out. I know that all sounds so over the top but for me it was like having the best day of your life – over and over again!

My OH didn’t want to go travelling either so I went on my own! If you want something, you should just go. I was always very attached to the things I owned and the security of stuff till the first time I went which when I came prompted me to do the six months I came back from in March. Now I’m busy planning when me and my boyfriend go for our years travelling – that’s prob still bout three years away but it’s something to really aim for. And when I go I’ll do the same as last time – sell my stuff and get rid of my flat again. An idea like that before scared the hell out of me – now I love the idea of not letting things tie me down. As someone I met travelling told me (he’d sold his business, house and all his possessions and was travelling indefinitely) it’s all just things, you can own them all again if you need to. I really thought about that one, especially looking at how he had given up his entire life like that and only had the bag of clothes he had with him. Sorry, I am probably boring you with my philosophical ramblings!

I know money wise you wouldn’t be able to go now but it does take a long time to plan and book these things anyway – there’s no harm in looking. I find it really picks me up when I do that – I know I can’t do any of it now but rather than that depressing me I actually find it a real lift and very motivational that there is so much out there in the world, and yes right now I can;’t do it, but I know that one day I will.

I’ll stop going on bout travelling now and boring you! All hyped up with it again I think after spending all weekend with people I met out there!:D

Hope you’re ok and still plodding along with stuff, as hard as it is to see sometimes, the end is just around the corner and it all will come together.

xxx

jtr2803

Well it looks like I should be able to take Friday off :j, don't forget my pig if you go to pennywell tomorrow Kel .

Thanks for your post Beccie, a lot of it made total sense. I used to be quite materialistic but I agree in that whatever I have now can be bought or got again should I ever decide to up and leave! The only problem really is my job, whilst I am sure I could get another one I have very good long term prospects here and am also tied in with share options which I really don't want to lose. I had a very informal chit chat with my line manager at lunch yesterday and off record the bottom line is that if I wanted to go travelling for maybe 3/4 months then they should be able to keep my job open for me but any longer then that it just isn't feasible. The reason for this is that my job involves a calculation of highly important data for the bank every quarter - it's blinking complicated and only me, my boss and the chief finance officer know how to do it :eek:.

Anyway....all that waffling aside, I suggested that rather than do an extended period of time (as I don't think that would suit OH) perhaps I could have a couple of 3 week periods of annual leave. That way we would have enough time to visit 3/4 different places and it wouldn't cause too much of a problem at work, boss agreed :T. The only problem at the moment is that I haven't mentioned any of this to him indoors :rotfl:. if I brought it up now I expect the response to be 'let's talk about it once you have paid your debt off', so that's what I am planning to do, doesn't stop me planning my first trip though .

Was busy busy busy last night, I cooked dinner for once and then set up new fish food cultures, put the washing away and moaned at OH for leaving his coffee cups in the bedroom :mad:.

Only a week till payday now :j