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A whole new world, for now
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I'd love to hear what you think about the Marian Keyes when you've read it. I like her books. I will keep an eye out for it at the library or a boot sale."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 McGee9
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I love her books but I also love her honesty about fights with addiction and depression. It was from one of her posts that I was able to find the words to describe how depression really felt for me. It really helped as I couldn’t articulate it for myself.Yesterday was a bit of a write off day but no money was spent. Today I have had my weekly mr wii chat and I’m back to 13 st 6 lbs. I reckon I got off lightly. I need to restart bs testing. I have a list drawn up for today. This includes work, home improvement and ironing while call the midwife is on.Still no money received from dd so that will merit a prompt today. It is unacceptable as she apparently has it.
today I am grateful for
getting through the storm relatively unscathed
quality if somewhat lazy time with the four legged fiend
dinner that included three vegetablesMortgage 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.10 -
So the pluses from yesterday include the ironing being cleared, an invoice was issued and some work stuff got done. The minuses include there still being more to do. DH did some digging around a quote I’d received for my charity client. I’m annoyed as it looks like we are being ripped off to the tune of more than £700 per year. This is not good.Yesterday I took a phone call from dh who I thought was in the house. He needed me to open the front door. He had tried ringing the door bell but because it was new and a different sound, it hadn’t registered with me. The furry one had been in the back garden and had wandered round to the front. He had followed. She sat herself down in a sunny spot and refused to budge so he couldn’t get her to go to the back door. His only option was to get me to open the front. That dog has us too well trained.I’m not sure why but I slept badly last night and feel like a wet rag. My sinuses also feel sore so I’ve just taken something that will hopefully address that. I spoke to dd yesterday but that was frankly a pointless exercise. I am not happy about this.Right I need to get the week underway. I also need to stop wishing my life away.
today I am grateful for
yesterday being a nice, quiet day
progress on both the house and work fronts
copious cups of teaMortgage 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.10 -
Another bad night’s sleep after a day when some stuff got done and more is needed. I’m booked for pedicure and reflexology tonight but I’m thinking I should skip the pedicure as the bases of two toe nails are painful. Dinner last night was from stores and freezer and, I’m happy to report the furry one made it round the block. A year ago, she was able to do eleven blocks comfortably. It’s a tough balancing act as we need to keep her active, to keep her weight in check but not hurt her by over exercising as her legs are sore.Today I have back to back meetings with hopefully bits being done in between. I also have to grab the grant funded stuff that I bought last week on click and collect and I need to get a prescription filled. I ran out of the low level antibiotics that I take for my skin condition about a week ago and this really is as clear as the nose on my face by virtue of a massive spot!
I’m working in Dublin tomorrow and have arranged a second meeting that may result in some additional and better paid work so fingers crossed for that. I need to get moving now so today I am grateful for
gifted cooked chicken for the furry one
assistance with the job
some progressMortgage 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.12 -
Positive vibes for the better paid work.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.9 -
Positive vibes from me too for the better paid work. And here’s hoping you get dd to part with some cash soon.January spends - £587.5810
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Just caught up with your diary and I hope the meetings were positive and prove fruitful.xFinally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”9 -
thanks thanks for all the positive vibes. The past week has been a nightmare combination of first world problems that just completely overwhelmed me. I had to stay and do a late shift on Tuesday and, when driving home around half past ten, a warning light came on and the car was a bit shuddery. So I booked to go to Dublin by coach which meant longer travel time, less flexibility, etc. Over the course of Wednesday, we tried to contact the lease people for the car. It was close to 5 when dh got an email to say they had ceased trading. We now have a car with no service cover despite having paid for it. It also flagged up that they had been taking the dd earlier than usual, two in one month and I was unaware as dh was allegedly monitoring our account as part of him taking financial responsibility. I haven’t even broached that. So on Wednesday, we contacted the local service centre for that make of car to be told it was on recall due to a known issue. We were advised it was unsafe, would be picked up that evening and we would get a courtesy car. They picked it up at 8, by lunchtime there was no word so I called and was told that I wasn’t getting a car. After 33 mins of discussion, I was advised that I would get one as a goodwill gesture. There have been numerous issues re this, inc that I still have it as the service centre still have my car due back yesterday and are a nightmare to deal with. However when dh called, he did manage to get a response so my complaint will also reference the sexist behaviour. In between times, the client has lurched from crisis to crisis with me being in both weekend days and a few late nights. There was also the meeting I was heading to last Thursday that turned out to be this Thursday. The IT project isn’t going well as the contractor believes that we want what he’s offering as opposed to what I have specified. We are running out of time to get the money spent.On other news, dd and I spoke money. She asked if she could hold back a quarter of what she owed to cover car costs that are still to be quantified. We agreed so she transferred the three quarters. This should restore our emergency fund to the required level. DS is currently on holiday so no news from him.I need to sit down and sort out targets especially for weight loss as I’m currently eating so badly that it’s scaring me. I need things to settle down a bit first as if I add to existing targets when things are already manic, I will just go into a tailspin and focus on nothing.
today I am grateful for
managing to catch up with my brother on his birthday yesterday
Co operation when it was needed
donated food for the four legged fiendMortgage 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.13 -
Oh dear, I know you said 'first world' problems but that all sounds stressful and difficult to deal with. What a catalogue of issues with the car too and the sexist response of the service centre! I hope you can manage to get some calm space and me time in amongst all the stress. take care10
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