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A whole new world, for now
Comments
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Shame about the insurance, but at least you tried!
Good luck with the tender x"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
So, I submitted the tender 2 hours early and got an acknowledgement. I was then in the car on way to a meeting when I remeMbered I'd missed an essential requirement. Had to get thru meeting then hi tail to the home of the Golden Arches whose wifi was broken. DH managed to submit something at the exact closing time. Fingers crossed!
Had a lazy work free night last night, went to bed early and woke several times throughout the night worrying about work stuff. I am tired. The furry one had me up at 7 and I managed to get the freezer fully cleaned and sorted before breakfast. 4 items had to depart to the food waste, 1 was partially used and bb 2014. Too risky even for me!
So far today I have eaten my breakfast perusing my most recent gh mag that I think is the last or second last installment of dd's christmas gift from last year. I am currently inspired by all things christmasey but that'll probably fizzle out. I managed to get a reiki slot at 2.30 so will aim for productive between now and then. Today I am grateful for
Enhanced clarity
The torturous creature who drags me from my bed but still makes me smile
Pancakes for breakfastMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.1 -
Hope you have a good day INOD, and that the reiki works its magic.
Good luck with the tender.... fingers crossed for you. XI Believe.....
That it isn't always enough, to be forgiven by others.
Sometimes, you have to learn to forgive yourself.
Yesterday is history, tomorrow is a mystery
Today is a gift. That's why it is called the present.
happiness isn't achieved by getting extra things,
but by getting rid of the things that make you unhappy1 -
Hope you enjoy the reikiI 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.1 -
The reiki was good though I sometimes think it's as much about taking time out to lie quietly in a room as it is about the treatment. Afterwards, I nipped to lidl to get bread, etc. and got a major haul for just over £20. Admittedly, there was no protein as I can now see what we have in the freezer but lots of veg, some fruit and other things that will pull what we have into meals. Yesterday we took a pork joint out to defrost and that will be tonight's dinner with various bits and pieces. I also bought 4 cooking apples for 69p as opposed to a jar of Apple sauce that was more expensive. I will stew one or two to be eaten over the next day of so with the pork. I also bought brioche baps for 10p less than Iceland.
Today I have money things to sort, house things to sort and work things to sort. I need resolution and resolve.
Today I am grateful for
A minor recovery from the 4lb weight gain recorded last week
Bacon and mushroom sarnies for Sunday breakfast
Determination to get things done. It may not last but I'm gonna work with it while it's hereMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.1 -
On Mse news, an item I left in a consignment shop a year ago has finally sold! It only gets me £40 but better in my pocket and also something that will never reappear in the house. We sorted a few cupboards yesterday and have managed to identify some items to go and some to be stored that May be of use when dd gets settled somewhere finally.
I am feeling incredibly anxious at present. The situation with the nightmare client is becoming increasingly untenable and I have requested a meeting with the regulator. Being there is not good for me as things stand. There either needs to be change or I need to get out. My income will take hit but it is what it is. I am sad not to be part of the turn around but I need to free up time for my home and my business.
On money news, I did my October expenses, paid these and my monthly pay which I have increased by £200 PCM backdated to April. I am still well within my personal tax allowance limits but have enough to pay my credit card in full which I did.
I also took advantage of a tcb bonus offer and ordered some standard Christmas items along with a book for me by one of my favourite writers that I had never seen before that was sitting in clearance. That will be my go to read over the Christmas period.
We had the pork and homemade apple sauce last night. It worked. Yay
I think we will be living off it over the next few days.
Today I am grateful for
Central heating
Being forced into action
A positive outcome for a friend who deserves itMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.1 -
Well done on the sale. £40 is not to be sniffed at! :T
Glad you are taking some steps with nightmare client, I hope you get some results, even if it means having to step away.
Great news on the pay rise and paying off the credit card.
What was the book? Don't feel obliged to say, I just love nosing at what people are reading"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
I think you should definitely step away from the nightmare client. Great news on the £40 sale. I'm interested in your book too
.
Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS1 -
Time to draw a line under the nightmare client i think.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.1 -
can't remember the book title but it's a penny vincenziMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.1
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