Making Small Changes to Create A Big Difference

yukkibear

Here I am again! Popping up like a bad smell! Well hopefully not a bad smell. I didn't settle very well in my old diary, and branding the £100 OP at a time wasn't psychologically good when I was paying less.

I have realised a few things in the last few months when I haven't been on the boards.

- I work better when I post regularly on the boards
- Budgeting happens more naturally when I am active

Away from here, no OP's have been made since Feb, but there has been a LOT of saving, so it's not all bad. A few reasons for the saving is that we're planning a big holiday this year to see Mickey, and also because there's been a few grumblings happening at work.

Onto work.....

I haven't been happy in my workplace for around a year now. Hubby thankfully loves his job and it's as secure as can be. Mine is secure for the next few months, but there is drastic cut backs and money savings being made now, so who know what will happen when it reaches my level, if indeed it does at all.
So we've been saving for the worst, and leaving the mortgage alone.

So couple the fact that I'm not happy at work, and grumblings are happening, I have been looking around for something else. It's made me think hard about what I want to achieve in my life, and now is as good a time as any to get on with that.

My choice of career as it were is to write, so being financially secure is going to play a big part in me achieving my dream.

Back to the budget, overhauling the SOA and here we go again..

We have two mortgage products

- £69,020.92 at 3.59% fixed until Dec 2014 with 17 natural years left to run
- 19,018.86 at 2.54 fixed until June 2015 with 17 natural years left to run.

The plan is to tackle mortgage number one only. Pay this one off hopefully within about 8 years and then tackle the other.

Hubby is fully on board with this but his understanding of budgeting isn't very good and he leaves the majority of it all to me.

With me luck.....

Welshlassie

All the best with your journey you sound like you have a sensible approach to planning for jobs in the future.

Will follow your progress with interest.

giblet1979

Lots of luck! Sounds like a very sensible plan, and I will follow with interest

What kind of writing genre are you interested in...fiction? x

Secret_Saving_Squirrel

Wishing you lots of luck. It is a long haul, but you are right, the diary will keep you on track.

yukkibear

giblet1979 wrote: »

Lots of luck! Sounds like a very sensible plan, and I will follow with interest

What kind of writing genre are you interested in...fiction? x

One day I'd like to produce a fiction book. At the mo, I'm blogging a lot and writing articles etc.

yukkibear

I've taken advantage of the restructure on Eb8y for free listings. I've put three items on that I've had on the FB sale site for a little while with no bites.

Another sale on FB tonight so that's £3 in the pot and £13 coming from TCB in the next couple of days.

I need to restructure the budgets and look at ways of making some more moolah.

Alchemilla

Yoohoo! How lovely to see you.

yukkibear

*waves* thanks Alchemilla

I've had a child free day today and spent the day catching up on washing, tidying, sorting and washing. Doesn't sound like a lot of fun does it, but I also went through the budget and found a few places I can trim a little further.

The basic nuts and bold are that if my job stays secure / I stay in the same job for longer then we can potentially save/OP a fair bit. Who know what the first of the next month will bring, we've been waiting for news for ages, but should the worst happen we'll be OK and that's the main thing.

icontinuetodream

Good luck in your journey yukki

I know how demoralising it can be being in a job/organisation which you have had enough of as I was in a similar situation myself last year I got out when a re-structure happened and have never been happier and I hope that it all works out as well for you

greent

Hello again yb! x

yukkibear

I haven't managed to OP anything this month, and not sure I'll be able to next month either, we'll see.

The budgets have had a good going over, and new budgets are in place. Making a big effort to meal plan and save some money on the grocery budget which is a big failing for us.