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Spent 4 years pretending it's all OK

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Comments

  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Good idea NOA, well done on plodding on. Definitely sort that interest issue out tho, doesn't sound right.

    Xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • jvr
    jvr Posts: 427 Forumite
    Eighth Anniversary
    Hi NOA hope your feeling a bit better soon, seems like nasty bugs are everywhere at the moment. I know it can be hard when have lots of little annoying jobs to do to start any of them. Have you tried breaking them down into little steps and telling yourself to only do two steps today? I'm feeling pretty eugh and my house is disgusting at moment and felt so overwhelmed so have told myself just Hoover and mop downstairs and that is all I am gonna do if I try tackle much more I will do absolutely nothing and then feel guilty.
    My friend gave me some amazing reward stickers which say things like "remembered to breathe" or "did my best and it is enough" so give yourself a sticker from me today!
    X
    Debt: £14,000 now £2169
    Emergency Fund: 1000/ £1000
    :j
  • I am currently having a cup of tea :) Lovely view XXXXX
    Nevertheless she persisted.
  • Thanks Bob,Brizzle, jvr, Buffy.

    Lots of time gone by. Finding it hard to write much. I will make more effort in January - new year new start.

    Just wanted to drop in I hope everyone had a lovely Christmas.

    I hope that 2017 brings you all peace and joy and happiness.
    Lots of Love
    NOA
    xx
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    Here's hoping 2017 is much kinder to you NOA.
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • Igamogam
    Igamogam Posts: 6,028 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Combo Breaker
    2016 has been a year and a half for a lot of people.........let's hope 2017 is more stable, gentler on the senses,kinder to the planet and happier for all of us.
    Be the change you want to see -with apologies to Gandhi :o
    In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
    'On the internet no one knows you are a cat' :) ;)
  • NoOneAround
    NoOneAround Posts: 1,844 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thank You Bob, and I'll drink to that Igamogam.

    New page, new chapter even.
    First things first - to express immense gratitude at having a close family, good friends who understand, both in RL and those I've never met but feel as if I've known for a long time :A:heart2: you all know who you are.

    Second, a promise to myself to get back on top of things, particularly healthwise, emotional and physical, both of which aren't doing so well - this to include reaching out to people rather than withdrawing into my shell.

    Everything else should improve as a result.

    Have a few important jobs to do as a matter of urgency in next three weeks, so starting by listing those in the A list ;)

    A1 Two long over due Thank you cards
    A2 Tax return ( I did DH's, need to mine and business one)
    A3 VAT return at end of January
    A4 Passport renewal for DS
    A5 Do flexibility and strengthening exercises daily have stupidly neglected this in recent months, suffering as a result.
    A6 Contact one friend by whatever means each week.

    B1 Arrange for dishwasher to be fixed
    B2 Book dentists appts
    B3 Rearrange eye/contact lens tests for DS/DD

    Ongoing
    Total review of budget/debt/money
    C1 Declutter in earnest. One carrier bag at least per week. I have two large bags of clothes and 8 pairs of shoes in boot to go to the recycling at supermarket.
    C2 Get into the neglected garden for a short time each day I am home in daylight - do a small task, however small.
    C3 as C2 but for decorating inside


    Other obvious aims are to be there for mum, for DS (GCSE year), DD (final year at uni), DH (he's worked so hard and I am often unfair to him, but not really sure where we are at)


    Will keep revisiting list and updating.
    Here's to a better and brighter and happier year for all.

    Love
    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • NoOneAround
    NoOneAround Posts: 1,844 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Trying to take stock today, just started on accounts and looked at bank accounts. Great to start on a positive note to the year.
    All clients bar one have paid up during December :j, and the coffers are overflowing with abundance - well - at least until the 31st Jan when tax is due :rotfl: and at a guess I think we have enough to pay all bills until end of Feb, though I haven't checked properly.

    Also have 7 days of work lined up at part time job, so its a busy start to the year.
    Otherwise not been very productive today but I'm happy with making a start on the tax:)

    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
  • Bobarella
    Bobarella Posts: 10,824 Forumite
    Savvy Shopper! I've been Money Tipped!
    So pleased you are feeling up to tackling things again NOA.
    " Your vibe attracts your tribe":D

    Debt neutral :) 27/03/17 from £40k:eek: in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
  • NoOneAround
    NoOneAround Posts: 1,844 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Fairly productive day so far -

    Completed passport application - ready to drop off at PO.
    Grocery shop done
    Been to Medical appt.
    Shoes in for reheeling/repair £14 but very green & good for another year:)
    Had Spare keys cut for kids to have set each nearly £25 spend:eek:
    Admin for SE work done.
    Need to get work clothes ready for morning, DS back at school tomorrow too so need to be organised for an early start.

    NOA
    x
    Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
    Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
    Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
    Wombling Free Cash May2016 £51
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