Batten down the hatches.....

doingitanyway

Hey Orange Ena,
I watched the programme too. I thought they were very lucky people. Both of the girls had expensive flats one paid for and the other had no visible means of income to pay for her rent or mortgage whilst pursuing her start-up. That aside I liked that so much social media went and when they took all that stuff to homeless people.

I'm starting to see the less I have the better I feel but I still have a fear of needing stuff in the future but not being able to buy it, but that's just faulty thinking.:o

Have a good hump day

catriona79

Hey Ena,

Just a brief message - wow you've got a kitten!!!!! So jealous!

I can see you're still doing well with surveys and paying the debt down. How fantastic!!!

joeyjimbles

Hi, just read all through your diary and wanted to say congratulations. You really have a great fix on this, despite life's ups and downs, you're getting there and you seem to find motivation which is brilliant.
Congratulations on the kitten - we got one a year ago so she's now a little cat - after our first cat had to be PTS (she was 19). Love her to bits - and don't worry about the play-fighting, little cat and our dog do it regularly and neither seem to come of badly.

GoingToDoIt

Hi Ena, how is the kitten?
Don't forget to come back:rotfl:

Orange_Ena

doingitanyway wrote: »

Hey Orange Ena,
I watched the programme too. I thought they were very lucky people. Both of the girls had expensive flats one paid for and the other had no visible means of income to pay for her rent or mortgage whilst pursuing her start-up. That aside I liked that so much social media went and when they took all that stuff to homeless people.

I'm starting to see the less I have the better I feel but I still have a fear of needing stuff in the future but not being able to buy it, but that's just faulty thinking.:o

Have a good hump day

I can totally understand that. I think I'll keep hold of this and that just incase, and it'll save money by not buying it again. But then if I don't need it now, it's not really a vital part of my life. It's harder with irreplaceable sentimental items.

We'll keep chipping away at it, one random unused object at a time :rotfl:

Hope you're Ok, I'll catch up with your diary very soon x

Orange_Ena

catriona79 wrote: »

Hey Ena,

Just a brief message - wow you've got a kitten!!!!! So jealous!

I can see you're still doing well with surveys and paying the debt down. How fantastic!!!

Ah you're back, and I've been AWOL! Hope you're Ok.

Aww get a kitten, they're so lovely A bit energetic at the moment but I'm sure he'll settle soon :D

Catch up soon

Orange_Ena

joeyjimbles wrote: »

Hi, just read all through your diary and wanted to say congratulations. You really have a great fix on this, despite life's ups and downs, you're getting there and you seem to find motivation which is brilliant.
Congratulations on the kitten - we got one a year ago so she's now a little cat - after our first cat had to be PTS (she was 19). Love her to bits - and don't worry about the play-fighting, little cat and our dog do it regularly and neither seem to come of badly.

Hi joey, thanks for dropping by and reading my ramblings

Ah that's very kind, I am on a mission to get this paid, I can't drift away now so got to keep plugging away.

Sorry to hear about your first cat, it's so sad when they have to leave. I don't even want to think about it Congratulations on your new cat too. My cats are still play fighting but every so often they'll both be on the sofa, quite near each other sleeping. I'm not expecting them to ever snuggle but I hope when the kitten is a bit older, he'll stop chasing my older cat, poor thing is exhausted running up the stairs and sleeping with one eye open

Orange_Ena

GoingToDoIt wrote: »

Hi Ena, how is the kitten?
Don't forget to come back:rotfl:

Hi Gonna, the kitten is an inquisitive bundle of energy and I'm totally exhausted.....but he's so worth it :rotfl: They've both been keeping me busy and before I know it, boom, over 2 weeks with no logging on! Big catch up due......

Orange_Ena

I'm baaaccccccckkkkkkkk, from outer space! :eek::rotfl:

I've been a good girl though and kept track of my money saving / making endeavours :T

Wednesday 6th July
* NSD
* 120SB earned
* £1 sweep into my FD savings account
* £1.82 sweep into my overpayments account

Thursday 7th
* £5.50 for 2 bags of cat litter
* 160SB earned

Friday 8th
* £4.20 in the c0-op for lunch
* £30.92 in T3sco on a few bits, soon add up
* £30 on fuel
* Youg0v survey
* VO survey
* i-S@y survey (plus loyalty points bonus) and a £10 voucher requested
* 185SB earned

Saturday 9th
* £2.00 donation to an art exhibition
* £1.30 for a bacon roll at the above
* £5.03 for a few forgotten bits in T3sco
* Decluttered 19 medical journals
* Did some shredding
* Changed the bed covers
* 2 loads of washing
* Listed 2 items on Shp0ck
* Added a few items to the charity shop box

Sunday 10th
* NSD
* Decluttered 8 magazines
* More items into the charity box
* Cleaned the bathroom thoroughly, and got rid of 2 ornaments and 3 nearly empty bottles to the bin. It still looks grubby to me so I definitely need to sort out a few bathroom quotes
* Washed up, cleaned the kitchen and vacuumed the whole house
* Filed all my paperwork in the relevant files
* Chucked 2 old cushions
* Listed another item on Shp0ck
* 2 items listed on eb@y!
* PA survey
* VO survey
* Youg0v survey
* £1.38 sweep into my overpayments account

Monday 11th
* £3.00 in P0undw0rld
* i-S@y survey
* VO survey
* PA survey

Tuesday 12th
* £10.10 in C0sta on a panini, cake and 2 drinks. Monthly treat and catch up with colleagues
* £52.50 in Asd@ on 3 throws, jeans and shoes
* £26.97 in T3sco on groceries, snacks and drinks
* Youg0v survey

Wednesday 13th July
* £3 received for an item I sold on Shp0ck
* £4.79 on fabric in Dun3lm
* £2.90 in H0me Barg@ins
* £3 in T3sco
* £3.99 for a fancy dress item
* VO survey
* 190SB earned and a £5 Am@zon voucher redeemed
* £1.72 sweep into my FD savings account
* £1.40 sweep into my overpayments account

Thursday 14th
* £10 on cat / kitten food pouches
* i-S@y survey
* VO survey

Friday 15th
* £3.20 for lunch
* £30 on fuel
* £60 at the vets for the kittens injections etc
* i-S@y survey
* Youg0v survey
* Pinec0ne survey
* VO survey!

Saturday 16th
* £2.39 in T3sco for bacon and rolls
* £21.12 requested from TCB, can't believe they paid out considering I sent most of the clothes back!

Sunday 17th
* £34.04 in M0rrisons. I had an email come through offering something if I spent a certain amount but I deleted it after activating it. I guessed it was spend £30 and I presume I'll get extra points so I stocked up on washing powder, cleaning stuff, loo rolls, air freshener as well as a few groceries
* 130SB earned
* One item sold on ebay for £5.99
* Youg0v survey

Monday 18th
* NSD, apart from posting an eb@y parcel which I've withdrawn the payp@l money for
* 2 PA surveys
* P0pulusLive survey
* 60SB earned

Tuesday 19th
* £60 for a second hand bike. I'm gonna get me some exercise :eek::rotfl:
* £20.25 received from PA
* VO survey
* i-S@y survey
* 69p sweep into my overpayments account

Wednesday 20th!
* NSD
* Pinec0ne survey
* 69SB earned
* Youg0v prize draw survey

Thursday 21st
* £5.05 in Sainsbobs
* £12.58 in T3sco on a few groceries
* £15.01 on fuel
* PA survey
* VO survey

Friday 22nd
* £2.20 on lunch
* £6 received from Pinec0ne and transferred to my overpayments account
* £4.54 eb@y profit transferred to my overpayments account
* VO survey
* P0pulusLive survey
* 66SB earned

Saturday 23rd
* £3.95 to send a parcel
* £6.40 in M0rrisons
* £20 received for an item I sold on Shp0ck
* 10 more things listed on Shp0ck
* VO survey
* Youg0v survey

I've been doing a few things around the home lately and it feels good to be tackling things, its a never ending job though! My dad has also been round put up a mirror, change a light switch and put up my swanky new house sign. I got a new front door 3 years ago and didn't bother getting a number put on it so whenever I have deliveries, I'm relying on people to look at my neighbours numbers and work it out :rotfl:

I've been a bit mopey again and I'm starting to feel a bit impatient. I've only been properly mse-ing for just over a year and I'm aware that people often have a lot longer slog, but I just want it over now. I feel like I've learnt my lesson and I just want it gone, and to never get into this sorry mess again.

I still need to get stuff done around the house, and pay off my CC and save. But I can't do it all quick enough. I'm getting beyond desperate to leave my job but sensible head says, woah, lady, calm down, you can't leave yet. I'm going round in circles in my head, having little arguments with myself about what to do. For example, I think, maybe I could borrow £5k on the mortgage to get the rest of my house finished, but that means higher mortgage payments which may be difficult to manage if I leave my job, but then if I want to sell, I won't have as much equity which may limit me, but then if I leave my job, I might not be able to borrow extra and I probably won't earn as much meaning it'll take years to finish my house off. I know it could work out cheaper to use a 0% purchases card or balance transfer card to get my house sorted but the thought of increasing my CC debt is so not appealing to me.

So I just bumble along, making little steps up that great big bl00dy mountain that I've got to climb to get to where I want to be, conscious that my life is running away from me and I'm utterly miserable.

I know any future jobs won't be as well paid, so I've got to live on less and that worries me. Can I do it? Can I run a car? Can I pay the mortgage? All I know is that I've got to leave this job before I have a complete meltdown......but I don't know what to do for the best.

I need a lodger, but the bathroom needs doing so maybe I can just get that done on the CC, then use lodger money to pay that off and save to get the rest of my house done. Either way, my house needs finishing off before I can sell it, I just don't want to get trapped with a less well paid job and no savings to finish it off and a CC still to pay.

I just want someone to tell me what to do because I've over thought it and I'm totally confused.

In the meantime, I'll keep chipping away at it, and try not hand my notice in :eek:;)

GoingToDoIt

Hi Ena,
I love being bossy, I'll tell you what to do!
1. Get a notebook/spreadsheet/pintrest board and price up all of the jobs you want done about the house. Make a proper project plan.
2. Have a look at Kon Marie stuff and keep sorting the house out. Sell what you can (of course!)
3. Price up how much you will earn as a minimum in your new job/career
4. Work out how long you will need to have the lodger for to finish off the debt and earn the cost of home improvement project
5. Spend a few bob on mini improvements to tide you over- tin of paint/new towels etc.
Why would you do the place up before getting the lodger? They might mess it up! :rotfl: