New Year, different me

judi24

Just catching up with your diary - bummer about car - I fully understand how you feel with set back etc - I have had to get a new boiler this week! But onwards and upwards - had a bit of a giggle to myself about your windows!!! Mine are filthy and don't even come near the top of the to do list this week!!!


Like you I am not sleeping well and I know caffeine is my evil friend - I drink black coffee and diet cola all day!!! Its so hard to stop when your tired and not sleeping - its a vicious circle I know!! I have started doing some mindfulness meditation at night to try to help me get to sleep - it does relax me but not sure it is helping me sleep yet I guess it will take time!


I do feel like you are very hard on yourself and maybe need to be a little kinder as others have mentioned! Have a good Sunday

thrifty_fifty

Hi there Judi24. Sorry to hear about the boiler :eek:. I did get to clean the windows in the end, and it took me no more than ten minutes hot water, washing up liquid, a sponge, a squeegee and one of the those fab £2 window cloths from W1lkinsons. Minimal effort, maximum chuffedness


This has been a lovely weekend, when we dropped the hire car off we found some lovely shops, had a nice wander around an antiques centre (spied a very lovely chesterfield sofa, and some silver plated food servers ) went into another shop a saw a lovely log burner, then today ordered the three pieces of furniture for a bargain £330 including delivery, and saw some awesome Pythagorus wallpaper Found my V5C form, had a productive day and feel super organised. Still got to paint the toes, wash up dinner pots and make lunch for tomorrow, but I'm suddenly feeling very lazy

thrifty_fifty

Morning


Tuesday and may today rush by like yesterday did


OH ordered the bookcase last night, so should be looking good by the weekend. Another 4/5 weeks for the other furniture to arrive. Finally at the age of 34 feel like I'm getting a grown up house sorted.


Meant to have a no spend day yesterday but it was ladytime and so had to go and get chocolate


I did for a short while let myself be undermined by a colleague who called to ask a question, then a couple of minutes later, heard them on the phone asking my other colleague (whom everyone praises as marvellous, but is a person I less than favour) the very same thing, which both annoyed me that they wasted my time, but also for a short time made me a bit paranoid that they didn't trust my advice. However that second voice is just silly anxiety voice and it can jolly well shut up. I'm fabulous and those who are sh*ts and seem to come up smelling of roses all the time, always get found out in the end.


So today I'm going to walk in there all fabulous like. I'm also going to stop pretending I'm less than fabulous, I realise I am self deprecating a lot of the time, and this probably sends out the wrong message to people that I don't know what I'm doing, when I'm actually very capable. Come on Friday! I can't wait to get my ring.

thrifty_fifty

Well I took the decision to update my totals a couple of days early, as I won't have time on friday morning when I get paid and pay all my bills, also I wanted the mental boost of seeing it change, and it'll also remind me to take my spending power out of my bag today, clock up some nsds and not ruin my totals.

Here's the old one, just so I can see progress....

M&S £3058/ Natwest £3576/ Loan £577.74/ Sofa £82.50/ Ring £350/ Savings £10.64NSD 11/15
Total £7634.50


My course starts today which should give me a focus and still so excited about getting the ring on friday

thrifty_fifty

Payday yesterday and finally more progress to be made, so that above totals are actually reflected on stuff now. Got my ring which was amazing, I couldn't concentrate all morning, and, well, it was definitely worth the year of waiting, and as promised they did offer me a glass of champagne, which was lovely Of course when I got back to the office friends did not judge me, and the ones who I don't like so much did, you know 'what a lot of money, ooh I would never spend that, I'm not materialistic'. I did want to say that I'm not materialistic either, that I've loved jewellery since being a small person because I think it's amazing that these gorgeous things are created underneath our feet and in caves and such like. Anywho that's them and this is me, and I love me more.:D


Went in to the bank to take out the cash for the ring and also asked them to cancel the sofa DD after the next payment, the lady asked if I was sure it was the final payment? Told her I had checked my spreadsheet and their website about 20 times so I was pretty sure. Then came the sales pitch about where would the newly freed up money be going from now on, and would I like to add my credit card to my loan so I know what I'm paying each month? She laughed when I said I'd be better off leaving the money on my card with a loan rate like that (28.9%):eek:. I would follow OH's advice next time I need a loan, take out a bigger one and pay a load of it back straight away so you get a better rate


Anywho, happenings today? Try and grab an NSD, have ordered shampoo yesterday and ordered my monthly train ticket (so I don't have to take my card with me and try to avoid temptation to spend). Going to sort the car scrapping, weekly shop and landlord is coming to look at the fence sometime this weekend, so best get tidying up, although he's bound to come when we're not expecting him and the place looks like a tip (I wish OH would make him specify a day and rough time rather than just pop in some time over the weekend). Apart from that I need to sort out the study-yes the Christmas decorations are still just slung in there, couldn't face it during the week.
Then I need to finish out my scrapbooking, wash the car and clean the inside (we are keeping this one nice) and catch up with my studying and in between all that watch season 4 of the walking dead, eat a spot of chocolate and chill.


Oh and decided to get on the Wii fit this week, it gave me its usual brand of sarcasm because I hadn't been on there for so long and I'm back up to 11 stone 5 :eek: so got a good stone to lose before I can get back into my dress.


Have a good weekend everyone

thrifty_fifty

Aha so I actually managed an NSD for the first time in days. Took the car to be scrapped, said they couldn't offer us much, how about £100, well considering I'd only heard you could get up to £150, and I hadn't even expected that, I snapped his hand off. Felt a bit sad seeing all the other cars there minus their wheels and with fronts and roofs missing, silly how you get sentimental about a few pieces of metal.


Anywho, have had a glass or two of wine and I'm getting down to doing all my cutting and scrapbooking. At times it feels like when things are going right it's like an out of body experience, like it is happening to someone else because I'm so used to things going wrong and not being thought of as capable. It's weird to think that those things that were on spreadsheets and word documents (my dream pictures of my planned living room etc) are actually happening- the cabinets and now I've got the cheque I can get the architectural model for my book case. I've planned so much thinking 'one day' and that 'one day' is mostly here, it hardly seems real. I still keep looking out at the car thinking a guest has arrived because we don't have fancy cars like that. This weekend has been so surreal.

debtfreeoneday

Well done you busting the debt before and for tackling it again. I will subscribe to keep up to date with you!

thrifty_fifty

Welcome onboard debtfreeoneday


You know this may sound odd, but sometime I'm glad I had the debt first time round. It got me out of a relationship I'm so glad I'm not in anymore, it made me appreciate the small things, and because we were so broke at times it forced upon us some situations that I look back at with fondness now. I had to cycle to work for 13 miles because the car broke and we couldn't afford to fix it, but that saw me witness some beautiful misty fields, awesome sunsets, and I managed to herd some sheep with my bike. It meant that we had to walk three miles home in the pouring rain with a bag of soggy fish and chips for tea because the car was being fixed again and the bus route stopped short of our house. It made us make use of an allotment, go foraging too. We've had a car that for months had no heating and it was ruddy freezing, but you know when the worst happens, you're no longer scared of it happening, because it happened, and you survived it, and you could go through it again, although you'd rather not. You listen to people moaning that they won't get a second holiday this year knowing that you haven't had one for ten years, and you feel blessed because even if that first holiday is two days spent in a tiny tent in the pouring rain, you'll love every minute of it, because you never had it before. So what I'm trying to say is....at times the going is tough, but you know, at times life is all the better for it, because we don't live in fear of the unknown happening like everyone else, because it did happen, and we coped, and we made it through the other side, and we're tougher for it, and we could go through it again, and we appreciate life more.

judi24

thrifty_fifty wrote: »

Welcome onboard debtfreeoneday


You know this may sound odd, but sometime I'm glad I had the debt first time round. It got me out of a relationship I'm so glad I'm not in anymore, it made me appreciate the small things, and because we were so broke at times it forced upon us some situations that I look back at with fondness now. I had to cycle to work for 13 miles because the car broke and we couldn't afford to fix it, but that saw me witness some beautiful misty fields, awesome sunsets, and I managed to herd some sheep with my bike. It meant that we had to walk three miles home in the pouring rain with a bag of soggy fish and chips for tea because the car was being fixed again and the bus route stopped short of our house. It made us make use of an allotment, go foraging too. We've had a car that for months had no heating and it was ruddy freezing, but you know when the worst happens, you're no longer scared of it happening, because it happened, and you survived it, and you could go through it again, although you'd rather not. You listen to people moaning that they won't get a second holiday this year knowing that you haven't had one for ten years, and you feel blessed because even if that first holiday is two days spent in a tiny tent in the pouring rain, you'll love every minute of it, because you never had it before. So what I'm trying to say is....at times the going is tough, but you know, at times life is all the better for it, because we don't live in fear of the unknown happening like everyone else, because it did happen, and we coped, and we made it through the other side, and we're tougher for it, and we could go through it again, and we appreciate life more.

What a lovely and very profound post. Definitely food for thought and loving positive thinking today :T

CountingPenniesClaire

thrifty_fifty wrote: »

Welcome onboard debtfreeoneday


You know this may sound odd, but sometime I'm glad I had the debt first time round... when the worst happens, you're no longer scared of it happening, because it happened, and you survived it, and you could go through it again, although you'd rather not.

Beautifully put.