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Dancing in the Rain
Comments
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Not long then
Give me a wee wave on the way pastI 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.0 -
I'm really excited for you too! So glad it's worked out cost wise, you have no need to stress now.
Rosa xxDebt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc0 -
Thank you MT,, Rosa and Beanielou, your comments about my working an additional job have really helped.
I have gone with the hours suggested. I am going to request I work one day at the weekend. Excellent as I have inside information and I've been told Sunday is very quiet so I will choose Sunday
Then I will work three evenings a week on the days I work from home at my primary job, so that will give me extra rest time and a chance to get up later making those days easier
I will also have one day free just for me and three evenings too
Now all they need to do, now I'm happy with it is GIVE ME THE JOB
Watch this space as sometime in May I will either come on this diary doing this :T:T:T:T:T:T:T
Or, this:(:(:(:(:(:(
3 actions towards my goals
Make a list of 3 possible builders
Complete job spec response
Meal plan using what I have and minimal shop to make it happen
Have a good day reader
DIA xIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Hi DIA
Now that sounds like a doable plan - I particularly like the idea of doing your extra work instead of a commute, that hopefully will make it seem easier.
Do remember that you'll get there anyway though, whatever happens with the job application
Rosa xxDebt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc0 -
RosaBernicia wrote: »Hi DIA
Do remember that you'll get there anyway though, whatever happens with the job application
Such a brilliant point. Either way I will get there in the end. Thanks RosaIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Okay, so things are a bit tight AGAIN.
The good news is I changed my work days for next week so I maximise my travel pass and save on fares.
So the plan is to live off what I have and only use my penny jar and money left in my purse —£6, for additional food for the next 10 days and then spend £10 on food until I go to Scotland. Instead of doing a big shop as soon as I get paid I plan to wait until I return.
This is the menu plan for the next 15 days which takes me up to 29th when I will look at my supplies again and do another menu plan.
This plan requires me to buy —raisins —6 eggs —fruit.
Breakfasts
Quinoa and oat porridge with cashew milk or sheep’s yogurt, seeds or ground almonds
Snacks
One piece of fruit each morning and a piece of fruit during the day
Lunches
Leek potato and bacon soup
Lentil and broccoli soup with gorgonzola cheese
Lentil, tomato and coriander soup
Suppers
Fish, chips and peas with tahini sauce (x3)
Mushrooms stuffed with quinoa and gorgonzola and broccoli (x1)
Stuffed mushroom, carrot and raisin salad, red onion, puy lentil and bacon salad (x1)
Red Thai veggies on quinoa (x1)
Cuban black beans, avocado and rice, red onion, carrot and raisin salad (x3)
Black bean and adzuki burgers, sweet potato chips, broccoli and tahini sauce (x2)
Rosemary potatoes, peas, fish and tahini sauce (x2)
Black beans and adzuki burgers, tomato and red onion salad, carrot and raisin salad, avocado, lime wedges and pickles (x2)
Best bit of my day
Popped into Tesco on my way home and got broccoli, 9 bunches reduced to 8p each and 2 bags of new potatoes reduced to 12p each, that was a good bit of my day, but I didn’t eat today so putting down my bags, having a cup of tea and finally eating was the best bit of my day. Someone once said 'hunger is the best relish' it's true. It is.
How did I do with my 3 actions
Menu planning? Yup :T
Builder identified? nope so carried forward.
Job spec completed? Yup :T
A good day for me reader. I hope it was a good day for you too
DIA xIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Good morning MSE folk
My 3 actions today?
Identify 3 builders
Declutter, polish, clean glass, wipe and then hoover floor in the room I'm working in today
Set budget for upcoming payday
Off to start my day. Make it a positive one reader
DIA xIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
I made soup the other day and it was horrible and I thought I was ‘off’ wet food, but I made the lentil and broccoli soup today and it is lush. I also have stock remaining for my next soup.
I washed and chopped LOADS of broccoli, portioned it up and put some in the freezer for future soup making.
It’s raining so I had to run and bring wet clothes back in…:(
It could be the miserable rain but I had an overwhelming desire for a glass of wine and a bag of crisps and my woollen hot water bottle this evening. Sometimes I go miniature when I really can’t resist an urge for bad food, so thinking… I have a miniature tonic water in the fridge and I could have it with the little bit of brandy I have left from February and go buy a packet of (small) kettle crisps and a Freddo. I could nibble them slowly whilst watching Corry tonight and I’d feel in treat heaven. Hmmmm, it’s an option.
I had my bank statement through for my debt. I have updated my signature. In 2 months £1000 has been paid off and £190 in interest
The best bit of my day was seeing how short my bank statement was, just two entries, what I had paid and interest charged
Before I started this diary my debt was increasing and I wasn’t that bothered but now I feel impatient and I want the debt gone and this feels so slow, which is illogical because it’s been hanging around for year and years…and I’ve been addressing the problem for a few months…:o
I emailed my train company with a compensation query. Sick of late trains. They can stop being sorry and start paying in cold, hard, cash…
I checked the date I will need to cancel my gym membership and put the date in my diary. I’m going to make the most of it whilst I can, so I’m going to swim on Sunday but also relax in the steam room, something I’ve yet to do…
Feeling lethargic today and don’t really care that my 3 actions are still that —3 actions.
At least we all made it to Friday
It’s the weekend. Enjoy.
DIA xIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Hope you've had a nice day
Well done on paying off £1000 in 2 months, phenomenal effort. I can totally identify with what you say about having debt hanging around, increasing all the time, then the LBM hits and suddenly we want it gone. At least we've had our LBM's. There are so many people out there who haven't realised that you don't have to live with debt, there are other ways. I think it's seen as acceptable to have some debts (other than mortgage) which is a shame. I'm sure there's also a lot of people who've never had debt, who live within their means. I want to be one of themDebt Apr 15 - £6895.44Apr 17 - £2500
Dec 17 - £560
July 18 - £199
CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £685.79
Every penny is a prisoner0 -
Orange_Ena wrote: »Hope you've had a nice day
Well done on paying off £1000 in 2 months, phenomenal effort. I can totally identify with what you say about having debt hanging around, increasing all the time, then the LBM hits and suddenly we want it gone. At least we've had our LBM's. There are so many people out there who haven't realised that you don't have to live with debt, there are other ways. I think it's seen as acceptable to have some debts (other than mortgage) which is a shame. I'm sure there's also a lot of people who've never had debt, who live within their means. I want to be one of them
Thanks Orange Ena. Yes I agree, now I've had my LBM I want it gone! I'll be so pleased when I join the debt free mob, so when you get there keep my place warmIf 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 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250
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