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Enjoying the Sunshine whilst Saving for the Rainy Day

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  • AlexLK wrote: »
    Eager_Elephant: Wow, that really struck a chord with me. Of why I need to persevere, of how bad my problems could get should I carry on. :(

    I too suffer with depression and used to spend to make myself feel better. Fortunately for me, it was often on non-depreciating assets.

    However, unlike you Mrs. K. would not take over the finances; she'd leave without either of us sure of what would be best for our son as I mainly look after him but she has a very stable and secure job whereas I am self employed.

    My DH used to buy little bits and pieces which would usually be delivered when I was at work - I remember seeing a credit card statement once and it was about 2 pages long with stuff he had brought - all little things not more than £10 each but 50 items soon adds up.

    The biggest purchase was a truck from ebay :eek::mad::eek::mad:.
    He didn't have the money to pay for it so instead of telling the guy he didn't want it he put it on his credit card :mad::eek::mad::eek:

    The problem with my DH is that he mentions something and if I say yeah that would be good but we can't afford it, lets wait a few years he interprets that as EE said we can get it so I will buy it now:mad::eek::mad::eek:

    He always thinks for the moment and never the future and then he talks about buying a farm but wonders why he has no money saved:rotfl:
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    EE - :rotfl: I've never bought a truck on eBay ...

    Certainly agree that lots of little things add up. Fortunately, (in a way) I have quite a lot of assets that are worth a lot of money from various things I've collected over the years. Doesn't make getting rid of them much easier especially when it is purely to pay debt off, thus knowing you won't "see" the money again. However, it wasn't mine in the first place.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • :wave:

    How is everyone? I'm feeling blue today, I've no reason to really. Not sure what is wrong with me lately but i'm keeping a check on it (thanks to previous depressive episodes.....) Hoping it will go soon as all I want to do is cry right now. I went to the big brew up at the local social club/place/thing and do you know I felt totally out of place, I had my cup of tea & a slice of cake and sat by myself. Which in itself didn't really bother me, but looking around at the dozens of soldiers, the wives & whoever else had turned up I just kept thinking ' I don't belong here' :( I've lived here for 6 years and still feel so lonely. I did a silly survey / quiz thing on fb last night about 'what type of army wife are you' I was the 'Hermit' who sat indoors by herself most of the day, hmmm. Thing is I don't want to mix with the women here very much, they all talk about what they are spending their money on, get their nails done every week (have never done this even when I had money...), are interested in clothes & looking perfect and don't really talk about a whole lot else. This may sound like a huge generalisation and i'm sure they aren't all like this........think I am just lonely. My only friends moved away and i'm left here. Oh well I feel better after a little rant on here. I really am hoping i'll snap out of it, and there was me thinking everything would be perfect after I became debt free, apparently not.

    Not a nsd as I spent money on the cakes (got one for each child later too) and tea. So spent approx £4 but all goes to charity so not bothered. Also done my exercise for the day as went on the bike ride first, the dog thinks he's going out for a run too though so i'm debating doing that next.......Pizza for dinner so I need to make some dough in a bit. That's it folks.....
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Sorry you feel blue. Wishing you rainbows so another colour might rub off on you.

    I'm not surprised you don't want to talk about nails etc. Can't think of anything more dull! Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    DFW: I hope you come through the other side soon. :)
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Sorry you were feeling out of sorts today. Maybe they don't all want to talk about nails, clothes etc really but need someone more interesting, like you, to add a new topic. Give it a whirl next time you are in their company. I may be wrong, they may think you are mad, but if they really are that shallow, you have nothing to lose

    Perhaps share your cake recipes and cake with them

    Granny x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • :wave:

    How is everyone? I'm feeling blue today, I've no reason to really. Not sure what is wrong with me lately but i'm keeping a check on it (thanks to previous depressive episodes.....) Hoping it will go soon as all I want to do is cry right now. I went to the big brew up at the local social club/place/thing and do you know I felt totally out of place, I had my cup of tea & a slice of cake and sat by myself. Which in itself didn't really bother me, but looking around at the dozens of soldiers, the wives & whoever else had turned up I just kept thinking ' I don't belong here' :( I've lived here for 6 years and still feel so lonely. I did a silly survey / quiz thing on fb last night about 'what type of army wife are you' I was the 'Hermit' who sat indoors by herself most of the day, hmmm. Thing is I don't want to mix with the women here very much, they all talk about what they are spending their money on, get their nails done every week (have never done this even when I had money...), are interested in clothes & looking perfect and don't really talk about a whole lot else. This may sound like a huge generalisation and i'm sure they aren't all like this........think I am just lonely. My only friends moved away and i'm left here. Oh well I feel better after a little rant on here. I really am hoping i'll snap out of it, and there was me thinking everything would be perfect after I became debt free, apparently not.

    .....

    ((DFW))

    Sorry you are feeling blue - have you been taking your Agnus??
    (I know when I haven't as I want to cry all the time as well:rotfl:)

    I think the problem might be that for so long you have focused on the debt and now it has gone you have more time to think about other areas of your life.

    I am not in to nails, clothes etc - I have false nails about once every 2 years (normally for a wedding) and all that happens is they end up really grubby as I am hands on and then when I clean out the animals they get poo under them :rotfl:

    Are there any nice people on your NHS course?

    Have you heard about HomeStart yet?

    I think you need to ease in to making new friends and not worry that you don't have anyone close - are there any of us in here who live close - I am about 27 miles away so not too far but work in the week. (I have 1 best friend and I see her about once a month for a meal out and it is lovely and my other friends I see very occasionally, actually I don't have that many friends :()

    ((DFW))
  • Wednesday: Hump Day (put those dirty minds away, we're 2 sleeps away from the weekend wohoo)

    Positives since my last post:

    *I've made a scrummy Victoria Sponge
    *made some scrummy yummy bread
    *dinner is prepared for later just need to throw it all in and cook, so less stress later on
    *DH can get off work early to go to parent's evening instead of me +5 kids :eek::T
    *I did a lovely 45 minute meditation yesterday and felt better instantly!
    *My christmas vouchers have arrived so I can start present shopping as soon as I know what people want :):T


    Negatives:
    *My Nook has stopped working?! :eek::( have factory resetted it but to no avail, it's still dead.
    *Not heard from Homestart still :(


    Other notes in response to your lovely posts :) : I think the problem with me not making many friends is most of the ladies round here are at least 10 years younger than me, I was thinking about this yesterday. And come to think of it, yes, I was that shallow (if that is even the right word?!) back when I was early 20s....I talked about music, going out, hair styles, clothes and not much else :) So i guess I should stop tarring all these (i'm sure) lovely young spring chickens and just find someone my own age to talk to :rotfl: Most of my friends that I have made here have fallen into 2 or 3 categories, 1) those I met when my kids were babies have gone back to work (kids are all at school age) so i never see them, 2) we were pretty much all the same age so their hubby's reached the 12 yr point in the army and they signed off & moved back to wherever they came from (which is what i'm pushing for DH to do...it means half a pension time..) 3) they have been posted away. So I have stopped feeling sorry for myself and thinking there must be something wrong with me, there is nothing wrong with me and as someone pointed out i've spent the last 3 years pulling the purse strings and so have declined offers to go out with new people therefore not making any new friends. Suppose it is time to loosen them a little if I ever get another invite ;) and also I definitely want to get back to work myself (outside of the house) so need to push forward on the volunteering thing I think!

    Right enough from me I promised the dog a walk and he's sat staring at me atm waiting bless him. :)

    NSD today and i've made £5 selling old clothes covering the spends I had yesterday :money:
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • kerri_dfw
    kerri_dfw Posts: 4,556 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    How did yoga and the bike ride go yesterday? You have not listed it as a negative so I assume you aren't aching today. Would you like a mini-challenge of inviting one of the ladies from yoga for coffee within the next month? All friendships start with a coffee usually :)

    Glad you're feeling better today though :) I can relate to how you were feeling, but then I remember that I really quite like my own company.
    Diary: Getting back on track for 2013 and beyond
    DEBT FREE 13-10-13 :dance::dance::dance::dance::dance:
    Beautiful daughter born 11.1.14
    Mortgage: [STRIKE]£399,435.91[/STRIKE] £377218.83
    Deposit loan from Dad: £9000[STRIKE]£10000[/STRIKE]
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,563 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 9 October 2013 at 7:42PM
    Every time I do get an invite I remember I like my own company too :p i'm really not much good am I:rotfl:I think I just like to moan and complain :eek::o

    I am currently watching catch up t.v, atlantis & homeland :) and i'm debating whether to have a nose on am@zon for pressies, may hold off though until I know what the kids actually want :rotfl::cool: How nice to be able to buy everything I want for the kids all at once though :T why didn't I do this park thing before now! Will definitely sign up again next year :)

    I've had my sister on the phone today crying. Her horrible BF (father of her 2 boys) has been cheating on her for 3 years and she's just found out :( awful. I didn't know what to say apart from agreeing with all the cursing she was doing about it! Makes me thankful for small things today.

    ETA: we had a fantastic parent's evening report from DD :T the teacher was glowing about her according to DH :) ....we missed DS1's career's evening though as DH didn't get home from work with the car in time :( (He went back to work after doing the early parent's evening for DD)
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. A-£200, S- £200.
    Total- £1562.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
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