Jumping aboard!

downsizer3

That's really kind cathy - thanks for that. Can't believe I'm an inspiration to anyone these days but I guess I'm living proof that you can get through anything - eventually!!

The ebay frenzy starts again.
Spent the holiday clearing out cupboards and clothes I don't wear - I now have 3 enormous bags of stuff for ebaying. A duanting task but I'll just tackle it one bag at at time. Royal Mail will do well this quarter.........;) Charity shops did well too - quite nice to declutter and what a lot I had!
Moving from a 6 bedroom house to a two bedroom house fairly shows you what you've collected. And most of it it junk. Why do we keep it eh?

downsizer3

A bit of activity on ebay and gumtree - all a bit tedious but it'll be worth it in the end - for decluttering reasons if nothing else.
The reality of joblessness is starting to hit home - on one hand I'm looking forward to a bit of time - full time working and single mum status don't give much space in life. But no income of course. Savings will last me 6 months. Gulp.
Can't really apply for benefits till I go so I just have to hope....

Mortgage statement not arrived but I called and I'm at £28,500. With the £5,500 I have coming in Sept I would have got it to £23K which was my target for now but of course I may now need that money to help keep me afloat if no job comes along. I'll still make wee OPs though whatever the circumstances - if at all possible.
Applying for jobs - no responses yet. Sigh.
Oh yes - and the lottery is a waste of time. Knew that of course!

wantabetterlife

Sorry to hear about the job downsizer..hopefully something will turn up. Thankfully your mortgage is small and you have savings built up.

downsizer3

The good news about being self employed is that I saw this coming a couple of years ago - hence the downsizing / debt paying off/saving.
A lesson learned there about keeping a savings pot! Phew.
Time to look at the jobs pages again......ho hum.

downsizer3

Yikes. I have an interview on 30th. Not done this for a long long time - eeeeek.
Must prepare and stop trying to work out what the salary would give me every month..................;)

downsizer3

Less focused on OPs these days than getting a job etc. Keeping up with my OP schedule though.
Savings pot at 3K and adding a whopping £850 in Feb. Just hoping I don't use it all until I get a job but if its there I'll feel a lot better.
If I do get a job - its getting kept in its ISA for the future.
Its fab having no debt. My available money goes on saving and in the future it'll be into a pension pot - how ever I decide to do that. Hoping to get a job with a decent pension scheme of course!
Doing prep for my interview next week. :eek:

skint_spice

Fingers crossed for the interview

downsizer3

Thanks S-S - am trying to remain calm...........;)
So out of practice at this - last interview was soooooo long ago. Gulp.

downsizer3

Another meeting with my business partners today - more doom and redundancies no doubt. Can't wait to get away from all this negativity. Being out of work is pretty negative too of course - but there is at least the potential to move on rather than stagnating in here which is what I've done for about 4 years now. Cursed recession.
Still got a good lump in my business capital but very hard to see what will be left when I go. If there was enough I'd be tempted to pay off my mortgage all together - and that is a possibility - and would save me £227 in outgoings a month. If its not quite enough there maybe isn't any gain in paying it off - better to live off it and still OP perhaps. I'll worry when I know the final figures.
Obviously I wouldn't get benefits if I got a lump sum of any significance but I could reduce my outgoings but the largest of my bills. Worth the peace of mind I recon.
Of course - if I get a decent sum out AND get this job, I'll be mortgage free and earning. Now there's a thought! Pension gets priority obviously but I had always wanted to build that wee extension...............which would need a new mortgage of course.....;)

thriftylynny

Waaay too late to be wishing you a happy new year DS Seems like my life's just one big merry go round these days & boy is it hard hard to get off!! So much happening to you at the moment & just want to wish you all the best for the interview next week,i am so sure you will give it you're best shot , just remember that those interviewing will be nervious aswell & to think of them in their undies thingy !!:) Have a bottle of something nice chilling in the fridge for afterwards also ! I'm still plodding on down here,frugally living from payday to payday,putting bits away whenever i can (yes bits!), if i won that lottery i'd never go back to my hell hole workplace ever again i have to say :rotfl:Good luck DS i'll be thinking of you