I Will Be Free

IWillBeFree

Lacherlich wrote: »

Hey!

Ah the job just wasn't meant to be - but keep looking! Update your CV online too, it will bring you to the top of search results so might get the odd recruiter contacting you with jobs. It's how I search for jobs, without 'actively' looking... ha.

Well I was really worried when I first started contracting. was completely new to me and you feel a bit left to your own devices and expected to understand everything about how it all works. Eventually made sense of everything - but still that uncertainty. I'd prefer a perm role, but the contracting suits my need at the mo towards debt repayments. Ohh what kind of business do you want to start? I'd love to do that, but no idea where to start or what I'd want to do. Baking would be amazing, but there's probably tonnes of competition and not sure how profitable.

Well thats a shame about the mortgage, but I guess this may be irrelevant now depending on where the move takes you! Congrats, thats a huge step and happy your fella is so understanding. Seems he has proved himself and then some. And in the long run, sharing bills will help you even more when it comes to having free money for your debt. Seems all is going well

Congrats on the 3k every other month. Thats an amazing figure, wish I could be that bit more strict with my'free' cash. Im trying not to spend much this month, but my birthday is next week so that will be my real test!

Thanks Lacherlich It wasn't meant to be indeed. I have updated my CV but I don't have it anywhere online, as such. My LinkedIn profile is also up to date but sot sure where else to 'market' myself. Any suggestions would be welcome

I have a few ideas about my own business, involving dogs mainly, but that is really far away as a goal. I need to be debt free, then start saving like mad first There is a business near me teacing people how to bake and they seem to be doing well. Visited a cookery school recently too and they were thriving.....

I am very luck to have met my fella. The thoughts are to move in with him, as he has a lovely place and it's mortgage free. This will mean I can either rent my place and pay my debt off more quickly, or sell it and pay it off from the equity. Either way, I've learnt my lesson and I am paying back as much as I can, going 'hell for leather' as someone else said

I am not entirely convinced I will manage the £3K in 2 months but, you have to have a goal, right?

Hope you have a fab birthday :beer::beer::beer::beer:

Lacherlich

Heyhey

Linkedin is defo a good place to start, I've been getting quite a bit of interest from CV library. I updated my profile/CV on a few websites such as Reed and Indeed, but CV library for some reason is the busiest. I was surprised as the website looks quite basic overall compared to the others.


Oo what kind of business, grooming or day care etc? I have four little pooches, 2 are only 2 months old, and super super cute! Hmm, I might actually have a look into a baking class for myself, might be something I can then claim as a hobby ha. I do like baking, a knack for it, but I haven't done looooads. Some people say to go on Bake-off but I would not be able to bake something on the spot - recipe needed!

Well, have a nice weekend!

IWillBeFree

Thank you Lacherlich, I will check the sites out and hope something comes of it.


Doom and gloom has been my company for the last few days. I could feel the low mood brewing for the last week or so but thought I was managing. Then, went to bed on Tuesday evening and haven't left the house since. Lots of dark thoughts and emotions and absolutely no energy to do any thing. I am trying really hard to get out of this mood today which seems a bit more manageable than the last couple of days.


Spent some time listing stuff on eBay, 27 items so far and probably have a few more to go. Hoping to make enough to buy some seatbelts for my car, before the MOT is due in January. Got paid yesterday so did my YNAB budget and things are very tight. Paid £300 to my friend, bringing the total owed to him to £1,300. Planned all my expenditure and the increase in mortgage/loss of garage rent is really making me


I was thinking that once I started budgeting properly, I decided putting money away for key categories such as: the emergency fund, car repairs, car insurance, Christmas, birthdays and minor house repairs was a sensible idea. I have just under £2,000 saved and it's quite telling for me that I am 'itching' to throw it at the debt. Not a natural saver I am hoping when I pay my car insurance at the end of the month, without stressing, it will make me feel a bit better about it but it's an interesting point to reflect upon.


Onwards and upwards (I hope....)

hiddenshadow

IWillBeFree wrote: »

I was thinking that once I started budgeting properly, I decided putting money away for key categories such as: the emergency fund, car repairs, car insurance, Christmas, birthdays and minor house repairs was a sensible idea. I have just under £2,000 saved and it's quite telling for me that I am 'itching' to throw it at the debt. Not a natural saver I am hoping when I pay my car insurance at the end of the month, without stressing, it will make me feel a bit better about it but it's an interesting point to reflect upon.

I hope your mood lifts soon - I know I've found the dark mornings (and evenings) a challenge.

I try and "tidy" my categories once in a while. I'm trying out a new system for our variable spending categories and rainy day funds to set a limit on the amount that's in there at any given time. e.g. our Pets category should have £100 in it any month - if we don't spend anything on them in a given month, then it gets £0 added the next month, if we stock up on food and spend more in a given month, then the following month gets £100 in it to fill it back up (and any extra we need for a month gets taken from another variable/rainy day category). Then any leftover we can make as an OP. I figure if we happen to need extra funds in that category we can skip the OP in a month to cater for it, but there's not much point in having money sitting not earning much when it could go towards debt interest. (I'm also working on the assumption that not all of our categories will need all their spending every month, giving me time to refill each of the categories as needed.)

We'll see how that works in December when we can renew our home insurance. Looks like we can save ~£100 by switching providers, so I'm hoping that the £250 we have in there can work towards home insurance and OP.

hiddenshadow

I hope your mood lifts soon - I know I've found the dark mornings (and evenings) a challenge.

IWillBeFree wrote: »

I was thinking that once I started budgeting properly, I decided putting money away for key categories such as: the emergency fund, car repairs, car insurance, Christmas, birthdays and minor house repairs was a sensible idea. I have just under £2,000 saved and it's quite telling for me that I am 'itching' to throw it at the debt. Not a natural saver I am hoping when I pay my car insurance at the end of the month, without stressing, it will make me feel a bit better about it but it's an interesting point to reflect upon.

I try and "tidy" my categories once in a while. I'm trying out a new system for our variable spending categories and rainy day funds to set a limit on the amount that's in there at any given time (based on our average spending/month); refilling the category based on the previous month's spending.

e.g. our Pets category should have £100 in it any month - if we don't spend anything on them in a given month, then it gets £0 added the next month, if we stock up on food and spend more in a given month, then the following month gets £100 in it to fill it back up (and any extra we need for a month gets taken from another variable/rainy day category). Any leftover we can make as an OP. I figure if we happen to need extra funds in that category we can skip the OP in a month to cater for it, but there's not much point in having money sitting not earning much when it could go towards debt interest. (I'm also working on the assumption that not all of our categories will need all their spending every month, giving me time to refill each of the categories as needed.)

We'll see how that works for rainy day funds in December when we can renew our home insurance. Looks like we can save ~£100 by switching providers, so I'm hoping that the £250 we have in there can work towards home insurance and OP.