DreamerHelen's New Diary - "Ad Astra per Aspera"

DreamerHelen

Upsidedown_Bear wrote: »

All good here thank you

Doing your best is all you can do but it does help to have realistic targets

I think my target today is drink more tea. Now that's realistic :cool:

Glad to hear that you are doing well hun....

Thank you for the not so subtle poke about realistic Targets I know I need to be realistic but at the same time I DO have things that HAVE to be paid so I struggle to find the balance....

Today has been okay....

My Grandad is not very well at all and we're expecting bad news very soon....so, not sure what is happening there....but it's all very sad....

I'm logged on for the next few hours....So we'll see what that brings....

Feeling slightly more positive....but only slightly....Going to keep going....I just have to....

Upsidedown_Bear

I could be even less subtle if you want

Sorry to hear about your Grandad :grouphug:

Hope work goes well and you make whatever realistic target you have set yourself :p

DreamerHelen

Upsidedown_Bear wrote: »

I could be even less subtle if you want

Sorry to hear about your Grandad :grouphug:

Hope work goes well and you make whatever realistic target you have set yourself :p

LoL You make me laugh....I DO know that I have to start setting realistic Targets for myself....Just not sure where or how to start!! But I'll get there slowly....It'll sink in eventually!! :rotfl:

Managed to get some Sleep....had weird dreams about living on a Barge in London....That would be soooooooo cool except that I'm kinda frightened of Water...so maybe not....

Thank you for your well-wishes about my Grandad....I hope he will be okay but we'll see....I'll keep you all informed....

I'm going to be Working this Afternoon from Midday for several hours....not sure for how long....but I'm going to be getting some sleep later on so that I can do the Night Shift....

Catch ya'll later xXx

Upsidedown_Bear

Hope you are okay
I found this for you.

DreamerHelen

Upsidedown_Bear wrote: »

Hope you are okay
I found this for you.

Yep.....I will be spending some time this Afternoon trying to figure out a REALISTIC Budget for myself....It's hard but I guess that's just the way it is....

I went to see Mum this Afternoon which was really nice....was good to spend some time with her....AND I got a free Tea out of it...bless her....You know the only time I get a decent home-cooked meal is when I go to my Mum's house!!

I've done some Work tonight and now I'm off to bed for a couple of hours....Got another Supervision this morning....that's going to be quite boring but I've just got to get through it....And then I've got a Workshop tomorrow at College which is an All-Day thing...which is incredibly annoying cause I'm going to have to Work all night!! So I'm not sure how I'm going to get through that....but I'll do my very best....And that's all I can do...

Right....Going to get a couple of hours sleep now I think....See ya'll later xXx

DreamerHelen

Morning Everyone....I expect most people are well tucked up in bed right now....I'm the nutter that's awake!!

I'm logging on at 2am....

I've not done very well with regards to Work this Week...nowhere near my Target....Really annoyed with myself....See, I start the Week with such good intentions but by midweek it all goes downhill....I just wish I knew what to do in order to motivate myself!! :mad:

But I have no one to blame by myself....All I can do is try again next Week but it DOES have to be realistic and I know that now.... I can't try and earn £600-£700 when I know I can't get there!!

Right now everything seems just a little impossible....I'm not sure how on earth I'm going to pay for everything next Week....I still need another £60 and I've only got until 6am and then from 7pm tonight until Midnight to earn it....and it just depends on whether it's busy or not....But I'll keep my fingers crossed....

I'm on a Workshop all day today and I HAVE to go to that because it's all been paid for....and not going will waste £75 and I'm NOT going to do that!! But the Central Line is down which is REALLY annoying and means that I have to catch the Bus AND the Tube....Ah well, never mind....

I guess I just have to keep my head held high and Work as much as I can over the next 4 hours....and just do what I can do....at the end of the day that IS all I can do!!

kittycatfan

Hi dh oh poor you not getting targets but there is only so much you can do , do you get help with your mortgaga rent etc ,i hope bus and tube werent to bad today

Upsidedown_Bear

The Upsidedown Bear Guide to setting targets.

This is just for you. If you want to post anything about it I'm happy to comment of course.

This is what I would do if I was setting myself work targets.

What you need to know to help you set a realistic target for your earnings.

Earnings:
How much do you get paid per hour/minute/call - however you are paid.

What did you earn last year and how many hours is that? What about the years before? This will tell you how many hours you have actually worked so will give you a good idea about how many hours you can realistically work. You're self employed so you will have this for your tax returns.

How much do you need to put away for tax and NI?

Time:

There are 168 hours in a week.
Most people sleep 6-8 hours a night so 42-56 hours per week sleeping.

So that's between 112 and 126 hours left for everything else.

What commitments do you have next week - college, placements, socialising, shopping etc. Don't forget to include travelling time.
Eating, showering etc aren't commitments but they do take up time.

How many hours left now?

Money:

You need to fill in a SOA and be 100% honest and realistic with it.

How much money do you owe and to whom? You were planning to work this out in December - have you done it?
What's happening with the pay day loans?

I would suggest keeping a spending diary if you don't already. Write everything down. They are an eye opener!

From what you've previously posted you seem to base your life around having a weekly income of £650 plus.
Doing a very quick "back of an envelope" calculation based on what you say you have actually earned you would need to work something like 100 hours a week to earn that.
If you did work 100 hours a week and sleep for only 6 hours a night that leaves you with 26 hours a week for everything else.

So, what's your realistic target for next week?

That's all for now folks...:wave:

DreamerHelen

Thank You Kitty....I'm doing the best I can...

Upsidedown Bear...you're a star...you really ARE and I think you need to know that!! I really appreciate everything you've said in your Post....And I'll take it into account when working on a REALISTIC Budget....

But at the end of the day there ARE things that HAVE to be paid....and I HAVE to make the money to pay for them...so I have to take that into account too...

Mum pays my Rent and I pay her....because they wouldn't let me get a Private Tenancy Agreement with my Credit History....but lately I have been paying her £25 here and there...and she has been footing the bill for my Rent...THIS IS NOT GOOD ENOUGH...and she needs to be paid every Week...I am making this top Priority!!

With regards to the Payday Loans....I have 2 outstanding that I'm paying off - One to Wonga which I pay £34 every Week until August and one to QuickQuid which I will be paying 4 lots of £122.50 until it's paid but they would rather take it monthly so I'll save an amount each Week for that. So that's sorted and I WILL NOT be taking out anymore Payday Loans no matter how bad things get...

Then there is food, Oyster Card (Tube Travel), Therapy (a Course Requirement Weekly)....and my other Debts....

It all mounts up.

But if I'm truly honest with myself - And this hurts to say - I have not been putting in the hours....part of it is because I'm not a very well person and I have extreme tiredness/fatigue due to my Medication....but that's partly excuses....when sometimes it is sheer laziness that means I don't work...And I am ashamed to say that.....

I AM turning things around....and no more borrowing from people....no more not paying Rent....or my other Debts....I WILL get there....I just have to be realistic about it at the same time....So, work out what MUST be paid and work out what I can live without....if that makes sense...

I won't blame you all if you decide to stop reading and stop supporting me....But I hope you will continue to stick with me....

So that's my honest assessment of how things are right now...And here I am, prepared to make that change....and make things right....

The_Dragon

You know what needs to be paid, you have decided against more expensive credit - get those payday loans paid ASAP, get the council tax arrears/current done and make sure you are paying enough to your Mum, if it isn't the full rent amount make a note of what you owe her and then when you have paid a debt include that in the weekly payment to her until the rent debt is cleared as well