Ultimate Challenge. 457 days / £16600!!!

Happytogetdebtfree

Hello everyone, very long time no post :O a lot has been going on in the land of happy and minimal amounts of negative wealth paid... to cut a long story short we require fertility treatment that will cost 5k a turn :O I will get an nhs go but I also need to save for private goes just incase its not successful so of course my minds been elsewhere..
I need to sit down and do my numbers eeeeek!

NinjaSavingKat

Good Day to you all....

It's been a while but I have had to do some thinking!

Firstly Happy I am sorry you have to go down the IVF route. This will be a hard but rewarding journey and I am sure you are getting all the help from family and friends regarding this. It certainly puts things into perspective and I wish you the very best in your upcoming treatment and decisions. If you want to share your journey please do!!!

So in the land of NSK I have been reading, sifting through and absorbing every sort of travel website I can get my hands on. I haven't done the whole long term travel thing so needed to make sure my mind was in the right place with reasons for travelling etc.

I have settled on a 3-4 month stint starting in Thailand next year. This wil comment in August prior to a 2 week stay with my parents. I will not be selling my bike as it's a short term "holiday experiance" and I will find storage for my bike if it is cheap enough. I will more than likely keep my current lodgings and hope she is happy enough to look adter puddy-tat but this is something I will cross when the time comes..

Puddy-tat will be sorely missed and I wish there was a way I could take her with me! It's something I have considered which would set me apart from every other travellor but there is always the case of "what if there is somewhere I want to go and can't bring her" or "what if she is caught and made into puddy-tat soup"...........

So I am kicking myself up the butt. Needing to get back on the bandwagon and back to basics in order to plan and save. I need this debt gone by the end of the year... then I plan to save save save......

Thailand, Laos, Cambodia, Burma (Maybe) and South Korea where a friend is teaching English.....

Hmmm more thinking and planning required!!!

duesouthtwin2

Hello, long time for me not posting. Hope everyone is well. Had a rough few months. Sadly split up from my 4 year relationship so been dealing with that. Slowly getting better. Has made me look at my future -esp £ wise as my whole world has been turned upside down. Right now will budget a bit for some fun times. All going well with my saving plan though and inadvertently have lost weight/saved £ on the heartbreak diet lol. Looking forward to checking in a bit more. Loving the travel talk!

NinjaSavingKat

I'm in IRELAND!!! Apparently I haven't been back since Christmas (thought it was a lot more recent than that) and it was time I returned. In keeping with every trip home when there is a faint glimmer of sunshine rays I ran off to the beach today with a friend and my family ( no pictures don't worry) and it made me realise how lovely it is to be home but then it gets annoying that I can't drive myself anywhere and I don't have my bike.. and my cat... But being in such an expanse of openness makes you think big. Try it dear reader. See how you feel outside in a park compared to indoors. It's amazing the mindset that comes with space.

Makes me wonder though where I might be without my debt. I could afford to rent a car perhaps and drive everywhere I want to instead of relying on my brother who works stupid longs hours all week and my Pa who drives for a living... kinda hard if his daughter then wants to trip around the countryside...

I might eat out more as well.. try every restaurant in my little town.. yes always about food.

So on this fair evening, when I should really be in bed yet find myself clutching a bowl of cheerios attempting to type, I have figured that I will need to include Januaries payslip in the whole conundrum of debt repayment if I am to comfortably see off this debt unless I gain an epic overtime windfall in the next 4 months....

This annoys me somewhat but it ain't much I can change as the highers that be control the OT .. I think I might change this when I go back and beg my cute little boss man for OT in my actual building instead of having to volunteer elsewhere...

I have also realised that as much as I would like to travel to Thailand by train ( it can be done ) it might take too long and cost to much and eat into my "Living in Thailand" budget however minuscule that will be. Then there might be issues with my old Chinese visa in my passport when I want to travel through Tibet. Just me thinking out loud again sorry.

Talking to a friend who told me she is debt free thus off to Canada in September makes me wonder whether I am living my life to the fullest and the best way possible..but then my friend admitted to still having an £8000 student debt that will be waylaid whilst she is in Canada for a year... guess we can't have everything and should always look forward and never back at the what-ifs.

Life right now is for living. Not for sulking, wondering what woulda been if we were in a certain place, with someone else or rich. I will never covet what another person has because this almost expects you to covet how they got to where they are. You never know what a person has had to go through, what they have had to experience or whether their own deep seated determination to get so successful/rich.happy etc was due to a horrific up-bringing.

Be grateful for your lot dear reader, thank your lucky stars you are here on MSE thinking of, attempting to, or battling with your debt and not wallowing...

I know I am....

killerpeaty

A friend of mine is working out in Hong Kong, she did it for a year, loved it so much that she came back to the UK for 6 weeks and bounced back to Hong Kong again. You can get an eleven month working visa almost anywhere in the world but you can only get one per country, after that there are more hoops. Maybe you could try that Kat?

Best of luck with the treatment happy : )

I'm sorry to hear about that duesouth, when I first became single I spent a lot of time at friends' houses drinking tea. So much time. I don't know which made more of a difference, the friends or the tea

Hello everyone. Luffles all round.

NinjaSavingKat

Hi Peaty! Long time! Yes my cousin did the same in South Korea for two years and she was teaching English with no actual formal qualifications. I am definitely gonna have to sit sometime with no interruptions ( impossible when I am home ) and really dig deep into the research side of things. There is so much out there to experience!

It's becoming more and more apparent that my life is on hold with this loan hanging over my head. I know it is something that should be darn obvious from the get-go but when I started this blog in order to track my own progress I just wanted no debt. I had no real solid goal despite the idea of having a house deposit as being quite important in my eyes...

Now I am a little more comfortable with my deep rooted desire to travel and be a nomad over and above what society says you should have when you are 30 - a house, a husband and kids.

I have never been conventional, in that I fight against being normal ( what is more boring ) so I don't know why I was so besotted with the "normal" idea of a house etc. Yes I would like to never have to move again (rentals are never guaranteed) but that comes with it's own problems and I have seen my friends suffer. I do overtime at work because I want to - they have to do it because they have to.

SO my trip next year is more of a test. Could I be that far from home and still be happy with my own company. When I travelled on the Tran-Siberian I was very cautious. I was in Moscow / St Petersburg / Siberia / Mongolia and Beijing.. I couldn't take risks just in case although I went horse riding in Siberia with just the instructor but never ventured far from where I was staying for safety reasons.. did I have problems? None! But being on the road, for the length I desire (2-3 years) will take a different mindset.

So I have a return of £141 coming from my old landlady. Repairs etc needed took care of the rest. With this deduction I will have £4830 left.

My automatic deductions via the bank will amount to £1487.15
The deductions from my Mothers contributions will amount to £1120
This leaves me with a total of £2222.85.

I am counting Janurary's wage on the 31.12.13 as a deduction unless I get some serious overtime between now and then.

This means I NEED TO PAY £444.57 per month to be debt free in 5 months. So far I will be able to just about do this without needing overtime but I'd like to pull in a bit more if possible!

If I can make more than this I would like to leave my January's pay slip alone as that would be the money needed to take me through January thus being money belonging to the New Year..#weirdo

I think a session of begging is required. When I get back to work I will have notification of whether I have gained any overtime shifts for the rest of August. This fills me with dread if the answer is no and means September, October and November might be written off as OT months and I won't see the light of day! Suits me fine!!

Right enough now...sorry to bore...

NinjaSavingKat

Peaty - how are the driving lessons coming along? And the saving? I haven't heard from you in ages and would love an update as to your plans etc... Hope you are ok and the fibro is behaving though.. x x x

Happytogetdebtfree

Hi guys exciting news the nhs waiting list as reduced dramatically and we can start sept/October time with our fertility treatment that's amazing so im really happy:) xx

NinjaSavingKat

Happy that is amazing news! Wow tha's only a month or so away! Amazing news!!!:j:j:j

Happytogetdebtfree

Yes its very exciting so it means I need to get focused and eat healthy and slim the budget and save x