Enter The Dragon.... lionheartedgirl starts to roar!

LittleBoots

Have sent you a wee PM

lionheartedgirl

thanks, reply sent love the sound of the Big Dreams Fund! :j

lionheartedgirl

I'm currently parked on the sofa feeling very washed out, 2nd day off work. I've felt it coming for ages, really achey especially round my neck so when I got home after walking the dogs yesterday and sat on the bed and couldn't get up again, I decided to go with the flow. Not much on at work anyway so I've not felt that guilty about it.

I've just been on and sorted out a loan to clear a couple of my cards - everything was needing BTing again and I had been umming and ahhing about a loan for ages.

I got a good rate, 6.1% over 5 years. The interest over the full term is a bit sickening but as soon as the house sells, the loan will be paid off anyway. The interest bill over 6 months is approximately what I'd pay in BT fees anyway so makes sense and I am thoroughly relieved as I can close 2 credit cards (less post and less filing yay!). I'll keep one open for dire emergencies, it has a huge limit but I will get that reduced right down to minimise any potential damage :rotfl:

So once all is tidied up, I'll have a £15k loan and £11.5k on a single credit card at 0%.

I feel really relieved - everything will just tick away on its own as the DDs go out, and anything extra will pay things off further as and when I can.

Sun's out here, it's exhausting being a bit under the weather but gradually things are coming together.

My harp room is now tidy and looking great, just one more pair of curtains to iron and hang, and then it will just need de-junking. I'm looking forward to having much tidier files for my financial stuff as all the closed card statements can just go in a box out of the way.

The weekend should be fairly calm - good as I can't manage much else. Teaching a couple of lovelies tomorrow, and then a wedding fair at a posh hotel I've always wanted to go to on Sunday. That will give me some more cash in the pot.

I rang the estate agent at last :eek: :j and she is coming next Thursday. My living room, hall and landing should all be done by then so I just need to ask her opinion on whether to do new carpet and pull the shed down, or leave things as they are. I think for the sake of completeness, it would be nice to have new floors down - will make the place look finished and glam and more appealing to [STRIKE]buyers[/STRIKE] I mean the new owners Plus I will get to enjoy my last few months in this wonderful house.

Can't believe I just said that - it really is feeling real now. I've been hunting on rightmove and seen some lovely houses, and I'm getting really excited about moving on. I'm having little random giddy (in a good way!) moments and these are hugely enjoyable

LittleBoots

Its sooo exciting! My friend is flat hunting just now and I'm a bit jealous at all the newness and excitement. But not at all the mortgage fiasco. I guess I probably will sell up and move somewhere else in a few years but just have to get the equity down

Ahh the Big Dreams Fund...this is for a trip to South America I'm [STRIKE]hoping to[/STRIKE] definitely doing next year. A lot to save but it'll be worth it

lionheartedgirl

South America will be incredible - it's top of my list for a harp trip if I can sort one - met an awesome Colombian harpist on the jazz course I did and he was inspirational. The rhythms and styles are so different but completely addictive. I've been to Brazil and would love to go back some time!

weekend has been good - my little pupils are ace and I am really excited about the concert coming up on Sunday. Some of them are playing for the first time in front of an audience - and the lovely vicar has sent a fab press release to the local papers so we could be in for a good turnout. It's the first one I've ever organised on my own - but rather than being nervous I am fit to burst :j

I've not done any decorating yesterday's wedding fair really pasted me but should get a bit done in the evenings this week.

I spent out on a chinese last night but I've hardly bought anything else so it's OK it was goooood!

Man news - Mr P has resurfaced.... reckons he is coming for a visit in a couple of weeks :eek: ... I am playing along, trying not to hope too hard and will be enjoying a weekend of no harp stuff and spoiling myself if he doesn't come. Which he most probably won't. But you never know.

MrsMoo2U

Just catching up and wanted to say congratulations on your move to Glasgow and the new life!. Hope that the work thing transpired too for you.

With the house, do you want/have to sell or could you rent it out. I am renting out my flat and get a bit more in than I pay out so that helps me to put money towards other things. Might be worth asking the agent's thoughts on that. It seemed obvious to me but only after an agent pointed it out!!!! Of course, if you want to buy in Glasgow rather than rent then this wouldnt work.

lionheartedgirl

Thanks MrsM

I need to sell the house to clear the outstanding debt, plus I would barely cover the mortgage now if I rented it, let alone if the interest rates start going back up. I would not be able to stand it financially if there were a couple of empty months. And I am after a completely clean break.

The estate agent came round last week, I still have lots to do and really need to have a good chat to myself to get stuck in again otherwise. I might need to take a hit on the price but she said the market is in better shape than when it was last up for sale.

I need to do some rearranging of furniture again, to put it back to family house layout rather than single musician/pooch palace layout but that shouldn't take long.

Money has been slipping a bit again - nothing major but the usual dreaded bit here and there and all adding up.

My pupils' concert went really well yesterday, lots of fantastic appreciative feedback so that was nice. I was very wiped out afterwards though so yesterday evening's planned decorating did not happen.

The next couple of weeks will be a real mountain to climb, and I will be very pleased to get to the top.

Had a very big wobble last week after the EA came round - jsut the financial risk element hitting home and hitting hard.

I've done lots of online house hunting and think I know where I am aiming for up north. I'm heading up there with mum mid-July and will take it from there.

I'd like to have finished work mid August but am going to need to keep going til the end of August now as I don't have as much holiday left as I would have liked.

Ideally I'd love to grab a few quiet sunny days away too but will have to see how things go finance and time wise.

I am so ready to make the move though - and very excited about the future.

Mr P is still making all the right noises about coming for the weekend. The weather is looking great so I really hope he does come. If things go well, Glasgow is much nearer for him than where I am now. So you just never know... (need crossing fingers smiley!)

lionheartedgirl

evening all, feeling a bit down and was going to do a blog post but not sure it's quite appropriate given the current mood so will pop a few thoughts down here instead.

Mr P turned up! :eek: :rotfl: :j

and we've had a really nice weekend. No idea what happens now, and therein lies the comedown. He was a complete gentleman which was a big surprise in lots of ways and actually a bit :mad: in some departments :rotfl: and it has really made me sit up and think a bit about the type of guys I've been ending up with lately.

I've had a nice 'normal' weekend where I went to the pub on a Friday night, got up Saturday, had nice breakfast and went out on bikes for a bit for a blast then a parked up by the waterfront in nearby town :cool: for an ice cream, then a fast blast home and took the pooches to the beach for the first time which was brilliant then out for dinner and cinema in the evening and a lazy lie in and catching up on lots of racing today. Can't remember the last time I did all that, let alone with someone else, and now I feel a bit sad. Pretty much a perfect weekend for me, and it has really knocked home how much I would like that more often. I know weekends aren't always like that etc but it has been SO long!

Plus it's mega TT fever at the moment, and since I've been on twitter it's even worse for racing chat :rotfl: I really am questioning whether I am making the right move here, committing myself to 4 years of college and effectively confining myself to being utterly skint forever, when the urge to settle down and maybe think about little people has hit so hard today.

One of the girls that has raced on the island and done really well has now had a baby and that was kind of always what I thought I would do - get back to racing, have a crack at the Manx GP and then see about a baby. I've always really admired her as she is very much no nonsense, all about the racing rather than being a PR machine as so many of the other racers are. Plus she is really proper fast, not even fast for a girl, but really quick :cool:

This all reminds me why stopping and relaxing is bad for me :rotfl: just ends up giving me too much time to think about stuff.

I'm not feeling sorry for myself so much as really thinking hard about everything that's going on and what's really important. For the last few days I've been wondering about heading to the doc's again as the lows are happening more than they were, and are definitely more frequent than the good times. I'm not sure how normal this is given the current circumstances.

Monday morning tomorrow though yayy :rotfl: think I will head out on my bike again! That definitely lifts the spirits!

Shoe_Gal

No advice really - just keep thinging everythign through and take care of you :A

lionheartedgirl

thanks feeling a bit better today although did have a big old sob this morning - my dog went absolutely bonkers at another dog, I'm trying so hard to keep her calm but nothing is working and it's really upsetting. So I'm hunting around to see what else I can do.

Also my bike wouldn't start today! :mad: typical Monday morning, all kitted up. So had to come back in and get changed again. Never mind.

This time in 2 weeks, most of the current sources of stress will be behind me. Lots of harp stuff coming up which will be done with on June 9th. I have a much needed week off next week so I will get on with fixing the house up, and best of all LOTS of junk clearance.

I've not had a weekend of proper relaxing fun stuff in a long time and it really did throw me. Makes you think though!