Balancing not just the budget

MuffinTops

That sounds so positive and fantastic Rosa. Well done on accomplishing so much. I'm still loving hearing about the Vision Board.

Good luck with your new job date tomorrow!

MTxx

RosaBernicia

Well the good news is that I have finally caught up YNAB with my banking and found myself only £16.40 out so rather than faff with it any longer I've just made an account adjustment.

The bad news is that it seems somehow my main-bank credit card payment didn't go through and I've been charged for both a late fee and interest! Soooooo cross about this as I really thought I had sent the payment by app the day before it was due - I guess I must have not gone all the way through the screens on the app, so it looks like it didn't finish and of course as I haven't been reconciling my accounts, I didn't see it in time. So there is a sharp lesson on why I need to keep an eye on my accounts. I don't think there's any point in trying to get the late charge removed, as there's no trace of my attempt at payment... guess I must just have logged out too soon, or perhaps the connection went off and I didn't notice that it hadn't got to the final screen. I've also paid out for cat food and litter this month, which will last six months but is a £70 chunk out of the budget that I could do without.

There is also good news on my new job as I've been allowed to transfer well before my official notice period and will be starting next month :j. Which is just as well since my budget is a bit of a disaster . I will play with YNAB a bit more later in the week and see what I can do (and I must claim my expenses as that will pull in about £30), but it is a bit depressing as I still really really want to get away again in August. I've booked the leave, told the relatives I want to meet up with, and if I leave it much later things will all get swamped with the new job and moving house. I will have more pay in August, which would cover a bit of it, but that would mean I can't pay off the college fees until later and also mean that there is an outstanding balance of about £675 showing when I would be doing mortgage applications. :mad::( NOT happy. Oh well... I suppose at least I'm back on the wagon so things won't get any worse, and I do know how to sort it all out. And I will hopefully get my own internet access back tomorrow. That's been really unhelpful, having a fortnight without it, as it meant I couldn't sort YNAB properly.

Plus the college fees are all still on 0% so not costing anything and going down and down. I'm going to a conference with the professional association later in the year and I'm SO looking forward to it, there will be loads of my friends there :j ... and I'm feeling very virtuous because not only do I get a student rate, I've found a Premier Inn all of 5 minutes walk from the venue and instead of paying £100 for the 'discounted' rate twin room, will be paying £35 .

I guess there's a bit of thinking to be done about rushing to be DF and having a life in the meantime.


Rosa xx

RosaBernicia

Re the vision board, one of the reasons I'm so grumpy about feeling guilty at the cost of my holiday is that several of the pics are kind of focused around that area. I really thought it was going to work out and now I'm worrying about it which is not how I wanted to feel at all.

Breeeeathe... less control freakery, it will work out.


Rosa xx

RosaBernicia

I guess I can prove my perspective has changed anyhow, three months ago I still had thousands to pay off and now I'm getting my knickers in a knot over carrying £300 from one month to the next. :rotfl:

Time to remember to be grateful for where I am, I think!


Rosa xx

moneyonmymindsam

RosaBernicia wrote: »

I guess there's a bit of thinking to be done about rushing to be DF and having a life in the meantime.


Rosa xx

I do agree..it is important to look after you and do things that make you happy ...take a deep breath and try not too stress


xxxx

RosaBernicia

Thanks Sam

I am taking several deep breaths just now, am wiped out after two really long days in college and another one coming up tomorrow... plus only found out today about a really important deadline of er, TODAY!, because I was missed off the relevant emails... getting it sorted but also realising I may have to give up two Saturdays a month for college later in the year, not just one. Still, it will be OK.

And now I must SLEEP!


Rosa xx

RosaBernicia

Pfffffftt.... *flump*

Flat is a tip, haven't got half my chores done today and need to catch up with YNAB again. Spent far too much money on food as I didn't get organised ahead of spending four days in the city - need to avoid doing that again. Also bought a suitcase as found exactly what I wanted in TK Macks... figured I could always take it back, but actually as I'm so tired after commuting to college I think I may reconsider staying over with friends, so it may well be what I need after all.

I've managed some chores today as well as catching up on sleep and a movie with friends, so hopefully I can get back on track tomorrow.

I want to do something more after my vision board, or find a way of focusing my thoughts on it again... hmmmm *goes back to Danielle LaPorte book*


Rosa xx

Knitting_Nora

Hello My Lovely.
First up, congratulations on the new job - that's wonderful news, you clever thing, you. :beer:
Secondly, it sounds like after a hugely exciting and adrenaline-packed time, you're suddenly lurking in your head right now and things are a little out of control.

That's ok - it's normal when big life changing stuff's going on. But it's also when tlc is most important, so *slides cuppa over, and offers plate of unmolested biscuits*


Take some time to breathe - just sit and contemplate your wonderful vision board (loving the bling, by the way). Everything will still be there once you've re-centred yourself.


Then get to it with your listing pad and pen!


Nora.xx

MuffinTops

Hello Rosa,

I hope you don't mind me saying that you're sounding a little too hard on yourself. Your head is still in the right place even after life pushed you a little off track for a few days. It's these tests that prove how well you're really doing, and I see that you're doing marvellously"

I have some Amazon kindle credit!!! Which book do you have of Danielle LaPorte?

I agree with Nora. Reward yourself for ALL of the good things and ignore the off track bits for a few days. By the time you get to look at them they'll be fixed by then anyway!

MTxx

RosaBernicia

Thank you lovelies ((hugs)) :A

I'm calming down again after the madness of four days in the city, and Nora you are quite right that a lot went on before that so it's a life-change phase. (Just went in to the city again today and I already have NO idea how I managed it every day for months on secondment! Still, all being well I will never have to do it all week again )

I have been doing exactly as advised and just sitting here pondering my vision board. Which I still love, and I think I've identified the thing that's been bugging me... it's a very dull and garden variety thing namely plain old impatience :rotfl: . I got two things on the board almost as soon as it went up, I can now start looking for a house (which relates to a couple more of the pics) and I've already got a lesson booked relating to the new sport (another couple of pics). So I think after such an effective start I've been waiting for the remaining items to immediately fall in my lap . (The new man being the one I'm most impatient about :rotfl: .) And of course it isn't going to work quite like that, because the universe doesn't go in straight lines. So I'm going to sit back, wait on things a little more patiently and perhaps do some meditation / visualisation about the pictures in the meantime. A little further synchronicity has popped up yesterday which has reminded me to just have trust.

I have clearly got some more of my energy back and should probably find something physical to do with it... maybe even the gym. And some house hunting


Rosa xx