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A whole new world, for now
Comments
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I like the idea of clearing zones!"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 McGee2
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Well done on the weight loss! And I know what you mean about the difficulty of pinning down a good workman.I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/223 -
Yay to posting two days in a row. Yesterday was fairly productive work wise which was good. It was however after ten before I finished last night. Today I need to get more cleared. This evening I am due at a corporate perfumery event. Fingers crossed that they have soft drinks. Today is dh’s office day so I need to crack on and drop him off. I’m then trying to get hold of a friend while working on a report that will generate a nice fee next month. Not sure from where my burst of energy has arrived but I’m trying to work with it.
today I am grateful for
a good haircut
dh taking first steps to get rid of a toleration
emails advising that a present needed for Saturday has been despatchedMortgage 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.5 -
Yah for having energy.Always good. 😊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.3 -
Pass some energy my way please 😝January spends - £587.582
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Woo hoo to productive days and energy!"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
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It fizzled out and today I’m already running late. Am due on site 40 miles away so need to get a wiggle on.
hopefully one of you will benefit from today’s energy surge.Mortgage 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.6 -
Well, that week fairly evaporated in a haze of work commitments that left me stressed to the point where I hid away and then got even more stressed by having to do at last minute. Takeaways were purchased twice which provided me with 3 dinners. One was because I wanted it as opposed to just cba to cook. The other was because I was working late, dh was tired and it was his favourite fast food.
in other news, an item ordered for dh was finally delivered and both fits and suits him. A check on my blood sugar shows it continues to be in range though the medication still has side effects. Three items went to the charity shop and, the mechanic who fitted my two new tyres fixed the trim at the door, free of charge. There was money set aside for car maintenance that covered the tyres. Just before payday, we decided to clear cash from the current account to dh’s pb account and we are now just over 30% towards the maximum holding. This will be further supplemented by dh working 2 days’ overtime this month. Thanks to the re establishment of the NI assembly, he will also be getting a pay increase backdated to last August plus a one off payment. I think aiming for 40% by the end of the year is doable, subject to no major disasters. I’d love to hit 50% but we shall see. Plus, having stayed awake to midnight, there is a £75 pb win to help the accumulation.All of which begs the question as to why I’m currently struggling. I have gone the private route to continue with counselling but, while I think it helps, it seems a bit self indulgent.Anyhow, could wax not very lyrically for days so best get a wiggle on. Today I am grateful for
a place to offload
a pb win
dh’s anticipated pay increaseMortgage 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.3 -
If you are struggling then counselling isn't self indulgent, it's looking after your health. There's often no obvious reason and you've had a lot of stress and upheaval over the last couple of years, so it's not surprising if it takes time to work it's way out of your system.
Lots of good progress being made though, and well done on the PB win."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 McGee2 -
Congrats on the pb win and your husband's pay increase! You deserve something positive after such a taxing week.
Re: the counselling, I remember after my first sessions I took a break because they wanted it to have time to embed. I don't know whether that might help you, but perhaps it's something to discuss with your counsellor. I imagine it's one of those things that can plateau and you feel you aren't making the same progress, but you have to get through the plateau and then there's potential for more to come. I'm reminded of the Douglas Adams quotation along the lines of however far and fast you travel, the soul goes at the speed of a snail (i.e. change takes time to embed, and our starting point affects where we are now.
My feeling is that there are also layers of understanding and working things through. We can feel we've tackled an area, but perhaps that clears the way for deeper layers to be revealed, which is disappointing when we feel we've made progress but there's still a problem. And being tired doesn't help - I've been tired this week and my resilience was down.I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/225
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