Nst; fearless february

nannygladys

Hi everyone

Havent had a sfd for a couple of days. I went shopping yesterday and then
Found I'd forgotten a couple of bits, so went today and forgot something else!!!! But I'm going to wait now until Sunday and just do without - I must make a list.

Feeling very negative at the moment, not sure why but I had a small lbm earlier and realised one thing I would really like is to not feel tired all the time and actually do things instead of thinking about them, so a life over haul is needed and improvements to my diet and sleeping habits as well.

Anyway off to bed, sorry for being a bit down I think winter is getting to me.
Nannyg

Synonymous

I forgot to say, LoveaDove, when I did my Masters I had had a 6 year gap since undergraduate and I was really nervous I wouldn't cut it with the youngsters, but it turned out that they were crying out for students who had real life experience outside of academia. This was particularly the case as my field is work-based, so it helps if you've had a proper job (!) but I believe it's also true of most subjects, so as a mature student candidate you should be valued in that way. My friend works in admissions and I think they are very understanding of nervous/anxious/eager applicants, so don't worry about chasing it they will be used to it!

Fmess, I have life insurance and critical illness which I've had since I bought my house although I'm single and no dependents. It is independent of my mortgage, but the payout decreases in line with my mortgage term. It was sold to me as a good thing for anyone to have - a big pot of money if you become critically/terminally ill, and better to get young when you have less medical issues to bump up the rate. It's something I am going to seriously rethink sometime soon - if I died now my house would be sold, and if I were to become seriously ill (and with living a long way from family) I probably wouldn't stay here. Plus I want to be financially independent by 45-50 so being unable to work wouldn't be an issue. Need to do the sums and see what my return would be if I invested that £17/month instead, at least for the next 5 years when I probably still wont have kids yet. My life insurance is also placed in trust so that it is separate from my estate and is not held up by probate or subject to inheritance tax, but I think that might have been a loophole that closed last year.

I got mine through my financial advisor, who came to my house when I had a housemate and seemed to think we were a gay couple. He then went to great pains to talk about anyone I might want to leave the money to in a politically correct, gender-neutral way and stammered and said "he...or she! Or whoever!":rotfl: - and then I didn't make her a beneficiary! It was hilarious when he left, and we still refer to each other as the wife.

[Deleted User]

Stewby...I hope you are warming up! We can cheer you on on this game of snakes and ladders as you build back the boiler and car money. You've nailed that amount over and over since you started, and although each setback is so frustrating, I know you can do it. You are laps and laps ahead of any who haven't had their LBM. Hold your nerve, you can do it.

Loveadove - I echo what Synonomous has said. I did my MSc whilst working and was in a cohort that were almost all in the same boat. Met my lecturers by chance a few weeks ago (it is several years since I did it) and they said we were the tightest, most cohesive cohort they had had. We basically shared study notes and had an online forum that was very active, and supported each other - realising that none of us would be able to do it alone! You will be very valued member of the class. I did find that even though the uni were deliberately recruiting from people in a certain sector of employment for that first year of the course, they were very very slow to give out responses to the selection, not appearing very aware that we might to negotiate time off, childcare, budget for travel etc if we were starting. I think I got onto the course about 4 weeks before it started, and others were the same. Not long to clear a day a week in your calendar and arrange to be the other side of the country!

Yesterday was a NSD! Grateful for friend who was happy to come to mine for spag bol rather than s meal out, who bought pudding and wine with her, and had toothpaste so I didn't need to nip to shop at 10pm having forgotten that DD and I were properly out now! It clearly wont be a NSD today; also bike repair guy is bringing bike back so will need some cash for that.

Had hard day at work but lots of exciting projects looming. Time to myself was with a different friend nattering over a cuppa, much needed catch up. Ebay items end tomorrow. One has several watchers. Must find a few more things to list later.

Planning a few hours at work (sadly unpaid but on a project that is giving me a massive career boost, I am treating it as a uni type experience) while DD is at a party. Gift already purchased, this is rare for me and I feel somewhat super organised as a result. Movie night in tonight as we are both exhausted. Still got lots on amazon prime (trial runs out soon, wont be renewing).

Talk of wills, powers of attorney and life insurance reminds me these things need an overhaul. I think that might be Marchs job. Big news released of our new salaries at work at end of Feb so I hope to god it doesnt go down. I will then know where I stand re building work etc too. March could be a busy month of sorting stuff out!

MagicCat

Stewby - I really feel for you with the boiler situation, we had the exact same thing in January, it feels like a slap in the face when you've been working so hard. Please don't be discouraged though - these things happen and it's rubbish, but you're in a much better place to deal with it now than before your LBM.

Synonymous - I'm really interested in everything you were saying about meditation/Buddhism. I have been getting into mindfulness meditation over the last year, I think it has really helped my anxiety, though I still struggle with the idea of not striving to achieve something!

Loveadove - what fab news about work, particularly when you'd been having such a hard day - sometimes these things happen when we need it most!

Re: life/critical illness cover - we have life cover with our mortgage but nothing else at present, would probably think more about it if we have a family.


As for me, grocery shop today so I've updated my totals, and have also ordered my mum's birthday present so not to lose a SFD somewhere else! Still struggling with cold, so planning to have a lazy afternoon. I made some cheese scones earlier, got distracted by a friend phoning and left them in the over far to long - am hoping they are just on the edible side of burnt to a crisp.:(

Have a lovely weekend turtles - you are all such a kind, supportive group of people. Hugs to welshkitty, nannygladys and anyone else feeling a bit unwell or low, hope things are better soon.

SFD: 5/15
Groceries: £140.39/£200
Dentist/optician £5/£20
Petrol and travel: £30.04/£110
Birthdays: £21.36/£30
Social: 0/£40
Food bank donation - done
15 mins/day - this will be decluttering or mindfulness meditation 6/28
Exercise 6/25

traveller

Hi everyone :-) So much being discussed. Sorry been missing in action, just tired lately.

Stewby, if it makes you feel any better, I actually underestimated what I owe. I actually owe 4,200.00 what a slip up eh? However, we have still cleared plenty, so chin up and carry on fighting! Where there's life there is hope :-)

FMess, I'm another one that does not have cover. I just cannot afford to part with any extra at the moment, will look into this when I'm debt free.

Mothernerd bar, the gambling, your ex sounds like mine. Selfish through and through. He had the full support of his mother in acting that way too. You are very inspirational and many things you've said have helped me with dealing with him:-)

Spends was a pound on 3 cans of drink yesterday. No spends today. Well have a good weekend everyone and take care :-)

[Deleted User]

HAPPY...

• Bike repair guy has turned my trusty steed around in 24 hours, collected it, serviced it, dropped it off,and only charged me £15. I'd expected £30. Gave him £20 having listened to the conversations on this and another thread about small start up businesses not really charging enough! I was still delighted with the service and in my mind, quids in.
• DD's mate is coming for the evening - free entertainment! Prime movie night ahead. I suspect I'll be banished... but will use excuse to get ready for the week ahead (ironing etc) and curl up with a book. Both girls were at a party over lunchtime so have been well fed already!
• Saw a friend of mine and confessed I was finding things hard today...got a hug and some reassurance sometimes a listening ear turns the day around.
• Tried (very gently) the free gym at work out today while DD was at party. Achieved my goal (it was a small one, 20 min on exercise bike,) but over the mental hurdle of starting to exercise again.
• Lovely check out guy at the local store (have been cheered up by him for at least 18 months now, he is always polite and friendly and pretty gorgeous too) put my YS veg through even cheaper than they were priced at! I like to think this was a personal gesture but whatever! I was grateful! How do you move the conversation on when you only have the time at the checkout together I wonder:o!
• Curled up with duvet, hot water bottle, and good book loaned by a friend (free!) . Am shattered, but for once feel like there is time to be chilled out.
• Made it to tip today with big electrical items...didn't have to pay to dump them (phew).
• Found £10 in my coat pocket :T been a very long time since I've lost and found any money of value, too closely watched most of the time.
• We have a whole tube of toothpaste, as it was a spendy day!

Hope other turtles are having similarly good days too. x

stewby

Afternoon everyone.

Sorry about yesterday. Was feeling incredibly disappointed in everything.
The downside of being focussed on a goal and impatience means I don't deal with setbacks at all well and yesterday was one of those setbacks.

I just seem to be floating around the £3000 mark and this is the second or third time I have cheered being under, just for something to happen to shove it back over. It just kinda took the wind out of my sails and made me question if it is worth it.

So... wedding fund will have to be rethought again. I am now unsure if we will even get an american honeymoon. I was hoping to start saving by May (3 years to go) but now it looks like it will be heading down to September time, if not later which in turn reduces the amount we can spend.

I feel incredibly silly sometimes. My MIL-to-be is dealing with cancer, I deal with ill people all the time and yet this made me feel like my world was ending. It's crazy.

Anyways, enough rambling...

Mothernerd, I find you amazing. How you held it together for all those years and managed to raise wonderful boys is inspiring.


With regards to the life insurance/critical illness thing... I have both. the finance man (who has dealt with our family for years) advised me to get both when I got my mortgage.
My life insurance is pretty cool as it pays out the full mortgage amount so even if I only had £200 left to pay, they would give my family £60k. It was very cheap too cause I was a 17yr old non-smoker, non-drinker, never been ill sort of person.


Good luck with your uni application loveadove.


Thanks again for the support and sorry about the miserableness. Will try and re-focus.
Hugs to everyone that needs them.

[Deleted User]

Stewby...:grouphug: hang in there.

abundant1972

Hi all... Very quick check in for mr today - will catch up properly tomorrow.

No more SFDs yet and signatures updated. Staying in tomorrow so should be able to score another. Have a lovely weekend.

CEW

Hi All,

Just lost a fairly long post so here is the short version.

No SFD today so still on 3/15. The first few days of the month are always spend days as I need to stock up on various bits for the animals from lots of different places.

Will update further tomorrow as my bed is calling me. Didn't sleep very well last night.

Chez x