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Financial Freedom + Self Care

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  • I agree great song :).

    Focus on your main goals Snowball but in a positive way, not a stressy way. Say to yourself "I can do this", because you can. Don't waste energy worrying or self doubting. You WILL get a job and you WILL pay off your debts, if you stay positive and do the right things.

    Take time out for fun and relaxation, but stay focused on your goals and don't get distracted running down rabbit holes.

    I hope you hear from your interview soon :).
    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 MONTHS
  • Purchase

    £13.74 - Fragrance oils for a haircare product. Just before my LBM I was working on starting a small haircare product business. I was working on a hair growth serum and have some positive results and literally stopped everything I was doing to focus on my job search. Although the business is on hold, I was developing a product, as I actually want to use this product for myself, I've ordered fragrance oils to add to the formulation I was working on.

    I want to make a serum for myself and I have a strong feeling that it'll work.
    Credit Card 1 £6,000/£5,322.56 Debit Card £5,000/£2975.3 Credit Card 2 £1200/0 Tax Bill £750/£0 Library Fine £90/£0 Accountancy Bill £720/£0 Cancelled Art Project Donation £15/£0
    Total £13,199/£8298

    A SnowballBunny, hopping my way to Financial Freedom. :j
  • I agree great song :).

    Focus on your main goals Snowball but in a positive way, not a stressy way. Say to yourself "I can do this", because you can. Don't waste energy worrying or self doubting. You WILL get a job and you WILL pay off your debts, if you stay positive and do the right things.

    Take time out for fun and relaxation, but stay focused on your goals and don't get distracted running down rabbit holes.

    I hope you hear from your interview soon :).

    Thanks for being a gentle and kind voice of reason Hairy. :)
    Credit Card 1 £6,000/£5,322.56 Debit Card £5,000/£2975.3 Credit Card 2 £1200/0 Tax Bill £750/£0 Library Fine £90/£0 Accountancy Bill £720/£0 Cancelled Art Project Donation £15/£0
    Total £13,199/£8298

    A SnowballBunny, hopping my way to Financial Freedom. :j
  • Job updates:
    I have another interview on Tuesday evening.
    I'm also finishing off a job application which will be due on Wednesday evening.
    Credit Card 1 £6,000/£5,322.56 Debit Card £5,000/£2975.3 Credit Card 2 £1200/0 Tax Bill £750/£0 Library Fine £90/£0 Accountancy Bill £720/£0 Cancelled Art Project Donation £15/£0
    Total £13,199/£8298

    A SnowballBunny, hopping my way to Financial Freedom. :j
  • doingitanyway
    doingitanyway Posts: 10,022 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Great. Keep going.
    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 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • I was offered another interview today.

    Tuesday - Interview
    Wednesday - Job Application deadline
    Thursday - Interview

    Focussed on being as prepared as possible.
    Credit Card 1 £6,000/£5,322.56 Debit Card £5,000/£2975.3 Credit Card 2 £1200/0 Tax Bill £750/£0 Library Fine £90/£0 Accountancy Bill £720/£0 Cancelled Art Project Donation £15/£0
    Total £13,199/£8298

    A SnowballBunny, hopping my way to Financial Freedom. :j
  • Hurrah, well done :T
    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 MONTHS
  • Thanks for being a gentle and kind voice of reason Hairy. :)


    You are very welcome Snowball :). It's always easier to have perspective on someone else's situation.
    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 MONTHS
  • SnowBallBunny
    SnowBallBunny Posts: 149 Forumite
    edited 20 January 2018 at 3:06PM
    Update

    Unexpected expenses:

    £5.75 - Lunch: I was invited out for a group lunch at work. I haven't been chatting with people as much at work and I've only just started socialising with people again. I wanted to go, so I went, it's not a regular expense.

    £3.30 - Hot chocolate and bread roll: I went to an outdoor art festival with a friend (I'll call her) Stef and her friend Fran. We walked around and saw lots of installations in the cold. We passed by one of my favourite healthy food cafes and I opted to just walk by rather than go in and buy dinner - which I would have done pre LBM. Instead, later on we went to a cafe to chat and warm up (it was freezing) so I bought a hot chocolate drink and a bread roll.

    Stef is off on holiday today to Cambodia and Laos - which will be amazing. She asked me if I had travel plans and I said no, I want to save money and I'll live vicariously through you. Which is true. Part of me wishes I could tell someone other than my sister about the debt and also about this personal transition I'm going through, there's so much I want to say and ask and talk about on a personal level.

    Councellor: I called the Uni Councelling service earlier this week, the councellor I wanted to speak to wasn't there so I spoke to someone else who I'd spoken to previously. She suggested that I maintained a sense of humour about things and tried to look at things differently. For example, as I'm not spending money on much other than essentials so I have a lower carbon footprint. That made me laugh.

    Unexpected news

    My sister has said that she might move out earlier than she planned. Initially she thought she would find a place in March/April and move out in May. Yesterday she said she wanted to make an offer on the first place she finds and likes and she'll keep me updated.

    She started flat hunting two weeks ago and initially wanted to look once a month, now she's decided to view weekly. I was going to accompany/support her today but after our conversation yesterday, I decided to stay home and jobhunt instead. She understood and said "It's OK, do what you need to do". Rather than just panicing and being anxious (which is how I've been feeling about things) I want to be proactive by drawing up a budget which includes what I'm earning now and jobhunting.

    I realised that when I had my LBM I put all the projects and dreams I had on hold, along with a lot of my self care practises too. And instead I went into panic mode, which is why I'm having such trouble sleeping - still only 3 hours a night.

    My sister doesn't know but my Mum suggested that I invite relatives to move in with me to help to cover the cost. That would mean living with my inlaws, a couple and their 6 year child. We haven't approached them about it and although I love them, it's not something I'd opt for but I'll do what's best. Otherwise, I had considered speaking to my friend Stef because although she enjoys where she lives now, she has a long commute and it limits where she can work and she's considering looking for a new job.

    Jobhunting update

    Tuesday - Interview - I didn't get this job
    Wednesday - Job Application deadline - Application submitted, awaiting an update.
    Thursday - Interview - The role is a well paid but short contract role and I think I need something more stable/long term. Also the role itself sounds pretty extreme. They recruited someone who they thought "would have a breakdown" if he stayed due to the pressure, volume of work and technical challenges that department is dealing with.

    Good News: Emergency Fund
    I have £749.47 in my bank account right now. That's more than I've had in my account in a long time.
    2nd Feb - Baby Step 1 will be complete, I'll have a £1000 Emergency Fund.
    9th Feb - Baby Step 2 will have started. I'll start paying off debts

    Thanks for reading and have a great weekend everyone.
    Credit Card 1 £6,000/£5,322.56 Debit Card £5,000/£2975.3 Credit Card 2 £1200/0 Tax Bill £750/£0 Library Fine £90/£0 Accountancy Bill £720/£0 Cancelled Art Project Donation £15/£0
    Total £13,199/£8298

    A SnowballBunny, hopping my way to Financial Freedom. :j
  • SnowBallBunny
    SnowBallBunny Posts: 149 Forumite
    edited 20 January 2018 at 9:01PM
    My sister's put an offer in on a house. At the earliest, she'd move in March.
    Credit Card 1 £6,000/£5,322.56 Debit Card £5,000/£2975.3 Credit Card 2 £1200/0 Tax Bill £750/£0 Library Fine £90/£0 Accountancy Bill £720/£0 Cancelled Art Project Donation £15/£0
    Total £13,199/£8298

    A SnowballBunny, hopping my way to Financial Freedom. :j
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