I've had the worst of times - now for the BEST of times!

jwil

Well done on getting the trampoline sorted :T Hope it sells soon.

All you veg from your garden sounds lovely!

peaceandfreedom

supersaver1000 wrote: »

Just lurking and saw coconut cakes! I have lemon cakes, carrot cakes and choc orange cakes in my repertoire, I think I may have to add coconut cakes too.

Well, these are really coconut 'bites' and they are sugar-free, gluten-free and dairy-free so they are not for everyone. But I like 'em - they are for my coffee-and-treat in the afternoon at work to deal with the 3:30 slump.

peaceandfreedom

brizzledfw wrote: »

Well done on eating that frog aka putting up that trampoline for sale Let's hope it sells very soon

Thanks for your kind words P&F...appreciated.

You are welcome. It's hard sometimes to take that leap. My own leap was in the other direction - to go back to a permanent job and I am very glad I did. But I am not a corporate soul and will not stay in a permanent job permanently, if you see what I mean.

I found that the hardest thing about being freelance was imposing self-discipline - I often don't have any. The second hardest thing was managing cashflow. Good luck with it all and enjoy the freedom of being your own boss.

peaceandfreedom

jwil wrote: »

Well done on getting the trampoline sorted :T Hope it sells soon.

All you veg from your garden sounds lovely!

Thanks, Jwil. I should really be ashamed of myself at what I achieve when I compare it to all you do - and with baby Jwil to take care of as well. You are an inspiration. :T

peaceandfreedom

Quick update before I nip downstairs to make breakfast for tomorrow. Today's DFW good things are:

• Homemade breakfast and lunch at work including vast quantities of lettuce from the garden - I will be turning green soon with the amount of lettuce I am putting away.
• Got into work in time for a free parking space
• NSD, don't seem to manage those very often
• Sorted out lots of clothes to car boot / give away / recycle
• Found some other rather good sellable gear
• Lots of luverly soft fruit thanks to the generosity of my neighbours
• Received cheque for some freelance work billed last week :j
• Resisted temptation to buy some fit-flops on ebay - it's not in the budget

Not so good things:

• We are spending too much on food - I haven't properly budgeted for food shopping this month.
• Am going out for a meal tomorrow night. Won't cost much but I haven't really got the money for it. Will have to raise a few quid extra to pay for it.
• Tiny tax bill has to be paid at the end of the month - it's in the budget but still need to raise more funds to cater for it.

All three bad things mean I need to raise as much cash as possible. However, despite that I feel more in control than usual - I think using YNAB has helped with this, it helps me keep a tight handle on my budget and spending.

Until tomorrow, folks.

brizzledfw

peaceandfreedom wrote: »

You are welcome. It's hard sometimes to take that leap. My own leap was in the other direction - to go back to a permanent job and I am very glad I did. But I am not a corporate soul and will not stay in a permanent job permanently, if you see what I mean.

I found that the hardest thing about being freelance was imposing self-discipline - I often don't have any. The second hardest thing was managing cashflow. Good luck with it all and enjoy the freedom of being your own boss.

Good advice for me. Thanks hun.

brizzledfw

I need to check out YNAB..everyone seems to be raving about it??? What am I missing I think..and you know, I hate missing out :rotfl:

giblet1979

I love YNAB - just redone mine (having finally watched the instructional videos). I thought it was great before; now I think it's awesome, lol x

supersaver1000

giblet1979 wrote: »

I love YNAB - just redone mine (having finally watched the instructional videos). I thought it was great before; now I think it's awesome, lol x

I've signed up to the emails. Don't have enough money to buy the package this month though

peaceandfreedom

giblet1979 wrote: »

I love YNAB - just redone mine (having finally watched the instructional videos). I thought it was great before; now I think it's awesome, lol x

I couldn't get on with it when I first tried but having read some more discussions about it on here, decided to bite the bullet and buy, hoping that it will repay my investment. Second time around I have got to grips with it a lot better but I really should spend some time going through the tutorials.

It's really only a glorified spreadsheet but it does take some of the admin away from recording and monitoring spending. It makes it very clear whether you are over budget and if you've over-spent and you can move money around to balance the books.

It's not going to get me out of debt overnight but it is already helping me overcome my shameful lack of self-discipline.