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The march to financial freedom

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  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Evening folks! :)

    Woke up all bouncy this morning and got on with house jobs from the list:

    - meter readings done and in spreadsheet - electric up as suspected
    - washing put away
    - bedding washed and all away
    - parcel sent off
    - business banking done and paid myself
    - Accounts done, just need to print and file

    Financials done early:
    - bank account checked
    - freepostcodelottery (day) checked
    - Nectar adpoints checked - still 66
    - Canvass not looked at
    - Nectar card - still £74.43
    - Inbox pounds - up at £9.26, it's oh so slow chasing this next £20
    - Qmee - not throwing anything up either, still just 22p in the pot

    With good intentions to cycle and do the ironing later, I went off out to an appointment to view an office and have agreed to take it on for 6 months to start with. I've been looking around and weighing up risks, finances, business growth, timing and DS's age for awhile now as I'd written about some time ago. It means I will start working proper full-time and can sell/bill accordingly from September. DS will need a mobile phone so I can let him know my whereabouts and time due home if plans change whilst he's at school but it won't be the latest iPhone or even an older version iPhone. I might give him my Samsung Galaxy Ace 2 as I'm due a change anyway. I am excited and nervous, but it won't affect debt repayments and I'll lend the business money from my emergency fund to start the process. I've already found a lovely second hand little sofa that's 'free to a good home' locally on gumtree, which would be great for soft seating in the office :D

    Is it MSE? I hope so - it's a calculated risk and I've drawn up a new business plan which will hopefully up my income as well as cover costs. I've spent a fair bit of time today on that side of things. If the economy is on the up as figures recently suggest, then I'm hitting this right.

    Just as I'd finally finished, DS runs upstairs to the bathroom leaving blood splattering everywhere - he's bent his big toe on the lounge carpet as he got up from the sofa and it's bleeding from the nail bed right across and up one side. It's swollen too underneath. A call to 111 ensued as DS doesn't really feel that sort of pain and it was still bleeding heavily nearly an hour later (and still slowly bleeding now even with foot up high than his body). Home management for now, but I suspect a hospital visit tomorrow - he's broken toe and finger bones before (as is common with Aspie and hyper mobility apparently) and we've not realised until a day or so later when it turns blue/black due to lack of pain/obvious breaks. I whizzed up to Sbugs to get some lint pads - £1 spent.

    Time for dinner after that little drama was over and still managing to combine oven use - DS sausages and mash and veg, me salad with new pots and quiche.

    Finally time to sit down and chill out - exercise bike and ironing will have to wait. And the dusting and hoovering. :D

    I know, I don't really sit still for long do I? :rotfl:
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • beanielou
    beanielou Posts: 95,816 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    An eventful day in two ways then.
    Hope DS is ok.
    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.
  • very exciting re office. It's only for 6 month if it turns out to be the wrong thing to do but I reckon you've looked into it in depth and it will be a goer

    Poor DS. I took my DD up with a suspected broken ankle once and they told me that this was the 2nd time she had broken it. First time I gave her paracetamol and told her to stop moaning :o
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • supersaver1000
    supersaver1000 Posts: 2,465 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Poor DS. Painful and sore toe by the sounds of it. I would defo do the hospital even if you are only reassured. Hope his toe is better soon. Thank goodness there's no school at mo.

    Great news on office - keep us posted. :)
    OSWL (start 13st) by 30Jun20 6/10
    £1/day Xmas'20-62 £214/£366 saved
    Grocery Challenge Jun £742/£320 spent
    Homeowner wannabe by July 2020 - WooHoo!!
    Starter Emergency Fund £1000/£1000 saved
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    A quickie update...you can guess where I've been for the last 4 hours...A&E. His nail bed and side were still bleeding (albeit slowly) when I checked it again, so off we went. X-ray and a discussion as to whether they needed to take the nail off :eek: Outcome was they've steri-stripped it and hope to save the nail, dressed the whole toe and he's living like a Lord with his foot up demanding OJ (and taken some soluble painkillers...as it beginning to 'hurt a bit').

    Email also arrived to go and check the freebie sofa out tomorrow - less than a mile away, taking rope with me as it should go in the back of the car with the boot roped down somehow! Glad of the empty-ish garage to store it in for now.

    Bedtime and hoping for a relaxing Sunday. :)
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • beanielou
    beanielou Posts: 95,816 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope things are easier for DS today.
    Positive vibes for sofa.
    Have a happy Sunday :)
    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.
  • supersaver1000
    supersaver1000 Posts: 2,465 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Debt-free and Proud!
    Oh wow A&E on a Saturday night - hope it wasn't too traumatic, still 4 hours wasn't as bad as it could have been I guess. Glad that all as okay as it could be, LOL about the demanding patient :rotfl:

    Have a good Sunday. :D
    OSWL (start 13st) by 30Jun20 6/10
    £1/day Xmas'20-62 £214/£366 saved
    Grocery Challenge Jun £742/£320 spent
    Homeowner wannabe by July 2020 - WooHoo!!
    Starter Emergency Fund £1000/£1000 saved
  • If it's anything like our local a&e, DS may be traumatised after exposure to so many new life stories! He'll obviously require excessive amounts of pampering.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    beanielou wrote: »
    Hope things are easier for DS today.
    Positive vibes for sofa.
    Have a happy Sunday :)

    He's doing well thanks Beanie, albeit complaining he has to walk like a penguin to get around :rotfl:

    Not long til I whizz off to see the sofa. Rope and blankets at the ready :D
    Oh wow A&E on a Saturday night - hope it wasn't too traumatic, still 4 hours wasn't as bad as it could have been I guess. Glad that all as okay as it could be, LOL about the demanding patient :rotfl:

    Have a good Sunday. :D

    Was busy but many casualties had 3-4 people with them. We were seen in Triage at 1.5 hrs, then moved so didn't have the pleasure of any 'unsociable' company, 2 police officers followed us with their patient through to X-ray then Treatment, so we wiled away some time chatting to them.

    Breakfast on the sofa, mostly horizontal, go get this, get that...have reminded him of his p's and q's. He might be injured, but he's not getting away with being impolite :rotfl:
    If it's anything like our local a&e, DS may be traumatised after exposure to so many new life stories! He'll obviously require excessive amounts of pampering.

    Don't encourage him!! :rotfl::rotfl: Good job he doesn't know about my diary ;)

    Just totting up car parking spends recently :eek: £4.50 for 3 hrs last night (yes I know we overran and I'd run out of change :o).
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • vonph1
    vonph1 Posts: 181 Forumite
    Part of the Furniture 100 Posts Photogenic Combo Breaker
    very exciting re office. It's only for 6 month if it turns out to be the wrong thing to do but I reckon you've looked into it in depth and it will be a goer

    Poor DS. I took my DD up with a suspected broken ankle once and they told me that this was the 2nd time she had broken it. First time I gave her paracetamol and told her to stop moaning :o



    Sounds like the time I took my son to A&E with a suspected broken right wrist, the doctor kindly pointed out on the xray where the break was. He then pointed out where it had been broken before, my sons response to this was "it was the left wrist I broke before!"


    I was the same as you MIT, when he complained of a painful wrist I just told him to man up and take a painkiller :o:o
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