Finally seeing the right track getting closer

MuffinTops

miggy wrote: »

That pumpkin pie looks delicious.

Well done on the bank account - it does indeed sound very professional and business-like and I'm delighted it's all sorted. A very big step to getting your dreams up and running!

How is your Mum? Any news? Waiting is so difficult. {{hugs}}

Were the little teeth marks in the pie from you Miggy?

I'm so happy about the bank account. The man I initially spoke to phoned me to let me know which was great as I thought I'd have to wait for a letter. But now I can get my advertising plan set up and start moving things forward.

Thank you for the hugs. Hugs are always appreciated.

MuffinTops

Life seems to be on the up at the moment. After doing many tests and an MRI scan they found a number of little clots on my Mum's lungs. This isn't great news, but she was given a good sign they were there and she's good enough to get it looked at straight away so it's not particularly bad news either. They allowed her to leave the hospital today is she's prepared to inject warfarin into herself, which was so much easier than I thought it would be (I had visions of her with a tourniquet trying to find a vein!!). It's a simple stab into the abdomen with the needle and then slowly release the warfarin in. She's on this until she's told otherwise, so an unspecified time. I brought her home a few hours ago and she's very glad to be back in normal surroundings. I'll call her tomorrow and am taking her out for a couple of hours on saturday. I don't want to take her out for too long or too far as her lungs don't need to be put under unnecessary pressure of me dragging her around. I checked with the nurses and they're happy with a few hours out so that's great.

In other news, I've not done a great deal with my personal account (ooh, get me distinguishing between personal and business accounts now!!!) as I've taken today and yesterday off to be around if my Mum needed anything or if they were going to let her out without much notice and to visit her during the day when others can't so she had a lunchtime visit and the normal evening visitors. Tomorrow morning I shall get back on top of checking my account to pay anything that's still outstanding and have managed to get a print out from my account today too.

I also had a very nice date last night with A after checking all was good with my Mum during the day. He and I met up in London in the evening once he'd finished his work and we went out for dinner, which was lovely. He's such good company and fun to be with that I just didn't want the evening to end. It was also a great stress release being out and he does give me some very nice attention. I could get used to that! Ha ha, although I'm only looking at it all at face value as I have a tendency of letting my head run away with itself, making silly assumptions, panicking about those non-factual assumptions and then acting like a looney!!!! But I'm bringing a little more maturity this time. Some of that is actually thanks to having this diary and reading the support and advice some people are good enough to give me, and also reading how "normal" people are with relationships in their diaries!

A few nights ago, the friend that dropped me recently (as his girlfriend doesn't like our contact) phoned me. His number flashed up on my mobile and I wasn't sure what to do as I was really scared it would be his girlfriend wanting words with me or to check we've had no contact. But I did answer, and it was him. I had to say hello 3 times before he spoke and then he very hurtfully said "who's this? sorry, I think I have the wrong number!". I just said "ok" and hung up even though I could hear him still muttering something. I'm proud of myself for doing that and not grabbing onto the contact like I would have done in the past. He's never accidentally called me before in all the time we've known each other and how can you make a call not realising who you're calling when using an iPhone? He has a weemee picture that he created of me so that picture alone would take up the whole screen along with my name in large white letters and the word "mobile" underneath that! So I found the "who's this? sorry wrong number" statement too offensive to react to. I've heard nothing from him since!

So, fairly eventful for a few days, but all has turned out well, so that feels very good.

This bank holiday weekend is about getting back on track with the clutter clearing, internet selling and I also need to do some business launch brainstorming as it's serious now and I know that all the hurdles are cleared and plans can now be made. Such exciting times.

It's Friday tomorrow! Wooh! The good news just keeps on coming! I hope everyone is having a great week and looking forward to a lovely long weekend. xx

debtfree2015_2

Hi Muffin

Glad your mum is ok, and your date went well!

It could be re that 'friend' that his gf was having a nose down his phone and questioned who it was. IF he thought she was going to kick of he may have insisted he didnt know who it was hense the muttering.

My ex bf was very jealous, and he pulled up my best friends number who was male, I told him he was my friend etc, but in all honesty i caused so much agro, it did cross my mind to do what your 'friend' did just to get him off my back, though Id like to think I would have got intouch with my best friend after to explain what happened.

Is the bank holiday this monday? I had no idea! I would have turned up to dd's nursery on monday and wondered why no one turned up:rotfl:

MuffinTops

Things are feeling back to normal now. I'm in work, Mum's home and I've updated all my finances as I would on any normal day! It's a nice feeling.

I've spoken to my Mum and she has a friend coming to visit her at lunchtime and is having some work done indoors so she's got people with her most of the day. I know she's ok now and that the hospital wouldn't let her go if they were in any way concerned, but it's still reassuring for me to know that she has someone on hand if she doesn't feel right.

I've reconciled my bank account with my app and have paid most of my bills now too. Just one to pay this evening when I get in. Or tomorrow as I'm out this evening and may not be back until very late. I've also credited my business account with £100 as they requested just to get it activated. I need to put more in there as I have an advertising budget and I'll need it to go into the business account and be paid from there to keep my accounts clean and clear.

All is looking good financially this month, so I'm happy to see that it really is in control. My next step is going to be writing down a full spend diary for the daily budget I use so that I can see what I'm actually spending my money on. I got that idea from LondonGirl - thank you!

This bank holiday has come at a great time after the last month really with being away, being poorly and worrying about my Mum. I'm out this evening with one of the Partners who used to work at my company. We met in quite an obscure way at work where he pretended to need an application I'd built, but we really hit it off so we became good friends and even now we make sure we meet up at least once every 6 months. It used to be much more regular but I'm very bad at keeping on top of contact so I need to work on that. I think it's because he tends to email a personal account I hardly use but refuses to keep chopping and changing where he emails when he thinks I should just log into that persoal account to see if he's written! A little stalemate there I think . My phone works great with other email accounts, but this one it tends to freeze out a lot! But I'm really looking forward to seeing him as he does make me laugh. Not always deliberately but we still have a fun night out together when we do meet up.

Tomorrow I'm taking my Mum out for a few hours to get her some fresh air. The nurses said it's ok for a short time out and we will stop and rest a lot so she'll be fine. She wants to get some wool for a tea cosy she's going to knit and I think she wants to make a warm cardi too. We've found a very reasonably priced wool stall where we're going tomorrow so she can stock up and then it won't matter if she is stuck indoors for a while as she'll have things to keep her occupied. The tea cosies she's knitted so far look fantastic and then she just takes them out with her to show her friends and very quickly someone asks if they can buy it from her. I mentioned to her to speak to some local family run shops to see if they'll stock them, but she said she prefers to just knit as and when rather than put any pressure on herself to create some stock and get them sold which is more than fair enough. But she does initially knit them to take to the boot sales we keep planning but so far haven't happened!

Sunday and Monday will be to work out business plans and get my house into some sort of shape as housework has been a bit frantic lately. I need to give my house a much needed blitz and also get some things ready to put up for sale over the weekend. General organisation really.

I have a huge, very heavy and well made chest of drawers that I'd also like to clear out and put that up on ebay too. I'm tempted to put it up for 10 days with a start price of 99p so that I get it cleared out and someone out there has a chance of getting a bargain. I could put it on freecycle, but I'd like to replace it with a dressing table as I currently sit on the floor with a mirror on a box when drying my hair and putting on makeup, so anything I can get for the chest of drawers would help towards the dressing table. My only worry is someone getting it down my stairs without ruining the hall or stair walls as I've only recently had it decorated. I'll have a think about it but it would be great to clear the space.

So, that's my week! I hope everyone has had a great week and have a fantastic bank holiday weekend. xx

MuffinTops

Is it really Sunday evening already?

Well, yesterday I took my Mum out for a few hours to get her out. I think we stayed out too long as she really looked shattered by around 2pm. Luckily we were almost home by then.

I didn't spend much money other than a new baby daughter card for my colleague and some balloons and banners etc for my boss who has a big birthday coming up. I only spent £10 but managed to get a lot for that. That's also my contribution to the proceedings done so others can worry about cakes and other bits and pieces now.

Today I had a long list of things to achieve, but I've had such a mentally tiring week that I've only completed half of that list. I did manage to clean my kitchen, sort out the hallway, tidy the living room and put in 2 loads of washing. I've also put some items up for sale on ebay and have uploaded my shop and scan with receipts. Someone with a number near mine won the £100 draw. I thought it was me for a second! Oh well.

I'm currently trying to psyche up enough energy to blitz the bathroom before I decide I'm finished for the day. I'm not doing great but I've put the radio on so I can feel a little energy boost starting!

Tomorrow I'm hoping to actually get out of 2nd gear and up to 4th if possible. I also need to eat something green! My diet is SO bad still. Why can't I pull out of that rut? Will try again tomorrow.

I also want to put more things up for sale tomorrow afternoon so that I stagger the arduous task of packaging everything up. It does mean more trips to the post office, but that's better that having a massive bulk of things to package up and send.

I can't see my Mum being well enough for a boot sale for some time, although I am thinking that maybe I can take her car and her stuff and do the boot sale on my own for once to help her out. She has so much she needs to clear and I'm able bodied, so I'll think about that depending on the weather. She can sit back and relax at home while still earning money and getting rid of her clutter! Ha ha!

Right. Decision time. Early night and then a housework attack tomorrow or blitz the bathroom now. What to do!

Well I hope everyone is having a fantastic long weekend. xx

MuffinTops

debtfree2015 wrote: »

Hi Muffin

Glad your mum is ok, and your date went well!

It could be re that 'friend' that his gf was having a nose down his phone and questioned who it was. IF he thought she was going to kick of he may have insisted he didnt know who it was hense the muttering.

My ex bf was very jealous, and he pulled up my best friends number who was male, I told him he was my friend etc, but in all honesty i caused so much agro, it did cross my mind to do what your 'friend' did just to get him off my back, though Id like to think I would have got intouch with my best friend after to explain what happened.

Is the bank holiday this monday? I had no idea! I would have turned up to dd's nursery on monday and wondered why no one turned up:rotfl:

Hello DF,
I thought that could be the case too. Either that or he was trying to guage the reaction he'll get from me, but he hasn't been in contact since so I guess he really wasn't looking for contact. Maybe she was there and he was trying to prove how distant we are now. He certainly proved that to me.

Yes, bank holiday this weekend. I'm glad you read that rather than getting to the nursery and worrying about it being closed! I hope you're having a great weekend. x

MuffinTops

A nice quiet but productive day today. I did spend money on some food shopping, but that was within the daily budget. I do need to attempt some NSD's this week. As many as possible really.

I've also put 4 more things on ebay with a 7 day finish and 1 for a 10 day finish. So I currently have 9 items up and 2 have bids. I need to put more books and things up on Amazon soon too!

I've got a full weekend's work in 2 weeks and it hit me that when I get paid that I should have enough to pay up my default debt! I really hope so as getting onto the MFW track would be great.

I have to make an appointment to see my bank manager this week or next to discuss my mortgage. I want to rent my house out, but my mortgage interest rate is so good that I can't afford to lose that, but I need to know what my options are. A friend of mine just had a charge to pay to allow them to rent their home out, but with my interest rate I doubt they'll be so amenable.

If that doesn't go well then I have a mortgage advisor to speak to and then I'll at least have specific figures to work on. I'm desperate to get my mortgage paid off as soon as I can but can't make firm decisions without knowing actual monthly amounts, interest rates penalties.

Housework is nicely up to date now too. I could do with another day off to be honest, but I'm pretty sure everyone is feeling like that!

At least it's a 4 day week. I hope everyone is having a great bank holiday. x

MuffinTops

Bank account was checked this morning and I'd forgotten about a £100 transfer I had to make from my main account to be replaced from the unexpected income account. So I need to replace that money as soon as possible. I forgot my bank cards today though so I'll either sort that tonight or tomorrow.

Once that money is back in my account then all will be well and financially healthy again. I've also started making a note of money I spend on day to day frivolities of my daily budget and I'm intrigued to see what I fritter away on, or if I'm blindingly good!!! I could actually be blindingly good!!! But I seriously doubt it!

I'm going to pop into the bank on my way home and set up a meeting with their mortgage advisor to work out my options regarding renting my house out.

I've eaten much better than normal today and am already feeling the benefits. Hopefully that will be good motivation to continue.

I managed to put a couple more things on ebay today. They're duplicates so was easy to just add a similar item without needing the pictures etc. I've got a few more things to put on today. I took lots of pictures yesterday so I think I have about 8 more things ready to go.

It looks like it may rain again later. I really hope not as I'm bored of being soggy this last month or so!

Knitting_Nora

Hellooooooo, MT!

Golly, I take some time away and you get up to all sorts. So glad your mum is coming along well; and how cool are you with your personal and business accounts...I'm officially jealous of you - I have account-envy!!

You've also inspired me to get back on the ebay wagon - I have so much stuff...I swear, it breeds when I'm not looking...

Sun has just come out here in Essex - after lots of rain this morning, admittedly. But I kinda like it that way round - makes everything look all fresh and bright, doesn't it?

Take care,

Nora.x

miggy

MuffinTops wrote: »

I've got a full weekend's work in 2 weeks and it hit me that when I get paid that I should have enough to pay up my default debt! I really hope so as getting onto the MFW track would be great.

MuffinTops wrote: »

Once that money is back in my account then all will be well and financially healthy again.........

I've eaten much better than normal today and am already feeling the benefits. Hopefully that will be good motivation to continue.

You are doing an amazing job (I have a feeling I've said this before ) - you've turned things round in what seems like a very short time.

Are you going to let us know when you switch from DFW to MFW (as if you wouldn't ) so we can have a party?

I agree with you about eating properly:not easy to do but very rewarding.