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Spent 4 years pretending it's all OK
Comments
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Good idea NOA, well done on plodding on. Definitely sort that interest issue out tho, doesn't sound right.
XxMFiT-T4 Member No. 96 - 2022 is my MF goal
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::T0 -
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!
XDebt: £14,000 now £2169Emergency Fund: 1000/ £1000:j0 -
I am currently having a cup of tea
Lovely view XXXXX
Nevertheless she persisted.0 -
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
xxFeb2014 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 £510 -
Here's hoping 2017 is much kinder to you NOA." Your vibe attracts your tribe":D
Debt neutral27/03/17 from £40k:eek: in the hole 2012.
Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
RYSAW17 £1900 2016 £2,535.16 2015 £1027.200 -
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
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'0 -
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
xFeb2014 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 £510 -
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
xFeb2014 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 £510 -
So pleased you are feeling up to tackling things again NOA." Your vibe attracts your tribe":D
Debt neutral27/03/17 from £40k:eek: in the hole 2012.
Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
RYSAW17 £1900 2016 £2,535.16 2015 £1027.200 -
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
xFeb2014 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 £510
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