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Dancing in the Rain

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  • beanielou
    beanielou Posts: 95,883 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    TReat jar sounds good :)
    Did you hear back from the bank at all?
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Treat money is a definite... I used to just have £20 a month Fun Money and it really helps to have even just a little leeway for silly spends.

    However I am a bit concerned that it looks like you are signing up for 6 day weeks? I've been there and I know it sounds doable to only have one day free but can I suggest you leave yourself an exit option - it can be really exhausting. And there's no fun being DF if you're too wiped out to enjoy it :)


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • doingitanyway
    doingitanyway Posts: 10,103 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks Beanielou, the bank wrote to me and asked me to phone but I sent them a letter saying I would rather any communications are done in writing so I am waiting to hear again

    Thanks Rosa I did a 6 day week before I started my diary and it was indeed tiring. It will be for a short time, probably 6 months by the time I start (if I get it) and then when I am DF like JoJo says I can begin to prune away my jobs and keep what I like. I might even go straight to a 4 day week :)

    I just know unless I really go for this I won't make my DF date...
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks Rosa I did a 6 day week before I started my diary and it was indeed tiring. It will be for a short time, probably 6 months by the time I start (if I get it) and then when I am DF like JoJo says I can begin to prune away my jobs and keep what I like. I might even go straight to a 4 day week :)

    I just know unless I really go for this I won't make my DF date...

    I do understand you want to get there asap DIA, but that date is within your control - in both directions. Have you also thought what your other options are, eg if you stick with your original plan and have £1500 or so to sort out after that date it wouldn't take long or you could have a break and do it over a few months. Or you could build in a review schedule so that you can check if you are wiped out and want to step back a little?

    I don't mean to sound negative, but having run myself into the floor several times I don't want to watch anyone else make my mistakes!


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • doingitanyway
    doingitanyway Posts: 10,103 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks Rosa. I might not get the job anyway. If I do, I should be fine for 6 months or so. I have lots of holiday and lots of WFH days that should make it less arduous. I appreciate your concern but if it doesn't work for me I can always stop doing it. :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • doingitanyway
    doingitanyway Posts: 10,103 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I just had the most ridiculous supper. MnS salmon mousses sprinkled with edible gold in a mini scallop shell. :eek: They were £5 for 10 of these little things. I paid 60p. So much packaging. They tasted nice on YS gluten free bread, and I will pack some with salads for my lunch tomorrow.

    A weird day. I had a day off and did a little bit of gardening. I have decided little and daily is the way to go with my gardening. I read a little, picked up bits and pieces in MnS, washed my hair. I went to Lidl for cheap face care products and dental floss. Did a bit more of my application form. Blah, blah. Nothing exciting…

    I am in the office tomorrow

    I will take a piece of fruit and some nuts in for breakfast, a flask of decaf and a salad for lunch. I will even take in a few squares of chocolate. I am determined not to have a spendy day tomorrow just because I am away from home

    I hope you have had a good day reader :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Fortune_Smiles
    Fortune_Smiles Posts: 5,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    How glamorous DIA :D Sounds delicious.

    Fortune x
  • JoJoC
    JoJoC Posts: 1,836 Forumite
    Fancy lunch, indeed! Not such a fancy cost, though. Wow! Enjoy!
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
  • doingitanyway
    doingitanyway Posts: 10,103 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 21 April 2017 at 8:53PM
    Although I am back on track, this period of wild abandonment has cost me dear. For the first time in many months I will be overdrawn this month and I have run out of money. I have £2 and my coppers jar to last until Tuesday. Luckily, I am WFH tomorrow so no fares or lunch and Sunday and Monday I do not work. The worst my overdraft can be is £18 and it may be less but what a pointless waste of money.

    What will I do on my 3 NSDs?
      [/LIST --]Garden --Declutter --Batch cook --Cleaning --Creative work --Start a new book --Finish my job application.


      --Write to the ombudsman and send the same letter to The Guardian consumer champions and You and Yours regarding Tesco mobile

      Oh, a new challenge for me. I think I have mice in the loft. :eek: Talk about, if it aint one thing it’s another. So in 3 days when I have some more money I will address that:o That's why an emergency find is a good idea

      So, that is me as another week draws to an end

      I hope your week ended well reader

      DIA x
      If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

      Emergency fund 800/1000
      Buffer fund 0/100
      Debt Free (again) 25/072025
    • beanielou
      beanielou Posts: 95,883 Ambassador
      Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
      Sometimes we just need to have a wee blow out.
      Try to not beat yourself up too much.
      I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

      Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
      "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

      ***Fall down seven times,stand up eight*** ~~Japanese proverb.
      ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
      One debt remaining. Home improvement loan.
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