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Buffy takes babysteps.
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It's all about priorities, and chocolate spread is (let's be honest) right up there. :rotfl:I'm a Money and Debt Adviser for a homelessness and housing charity in Scotland. If you have any questions about debt management and debt relief under Scots Law, just ask.The pain you feel today is the strength you feel tomorrow.0
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SO we have
veiled criticisms.
a VERY interesting chat with my Sister which was a total shock.
an ABSOLUTE TIP OF A bedroom. my easy move never happened.
I am hungry and fed up, hurt and tired.
I need to keep going tho, it won't get any better if I stop now.
xxNevertheless she persisted.0 -
Buffy, want to support you but not sure how best to.
How is your DFW going...or do you need to feel well before you tackle it?
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Alchemilla wrote: »Buffy, want to support you but not sure how best to.
How is your DFW going...or do you need to feel well before you tackle it?
Hello,
DFW is sort of under control. I am going to attempt to transfer the loan to 0% offer I have on my CC. I have no other debts apart from that although I do run up a CC bill each which I pay off. If the CC transfer works I will pay off the money asap (term is for 12 months) if it doesn't I will make over payments to the loan anyway.
That said I should save more and spend less. I do think once I sort my living arrangements out I will be less inclined to leg it M&S for knickers when feeling a bit down. Can see it would be less of a need if I had a nice room to sit in.
Other than that any tips on managing work load would be most welcome.
thanks xxxNevertheless she persisted.0 -
If you are a teacher then my first tip is if you are doing 75% of the job then you are doing briliantly. You will never do 100% since there is always something else you could be doing.0
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Could you set aside a certain amount of time each day for marking?
Say 7 to 7.30 each evening?
Whatever time is best for you so you at least get some done?I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
We can do it together if you like, I have sooo many controlled assessments to mark. I literally feel like my shoulders drop two inches when I think of it.0
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I do Beanie, maybe 2 hours a night minimum and it is not enough.
I have CAs to do too. Got mocks to mark now. ugh.
xxNevertheless she persisted.0 -
Another time management tip is if you need to let anything slip don't let it be your planning.0
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Planning is one of my favourites bits so that always gets done (admittedly ten minutes before the lesson on a bad day but hey!)
Mocks are going badly.
xxNevertheless she persisted.0
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