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Siebrie wrote: »
I just lost my fulltime, wellpaid job (new boss, and we didn't click; I don't really mind, as it had gotten really stressful and I'm ready for a change) and would like to make the 11 months severance pay last as long as possible. Now that I am at home fulltime, I can actually do the thing sI could only dream about when working: good homecooked meals (instead of pasta, again); gardening, with resulting fruit, veg, and flowers (organic fruit, veg, and flowers cost an arm and a leg here; flowers are expensive anyway); having a good clean house; a proper sitdown breakfast every day.
These small things are luxuries for me now, but I hope they will be normal soon, and then I will look for the bigger price luxuries. I would love to go to the theatre and to lectures again.
lessonlearned wrote: »
Can it be done.
Well I have decided I am going to give it a jolly good try.
And I invite you to join me....Please share your tips, experiences, deals, bargains. :rotfl:
For those who don't know me.....a little background.
I am a widow, aged 67. My husband died four years ago after a long illness which wrecked our finances and which changed my financial landscape, hopefully not forever. I am working on it.
At one point I thought I would have to go bankrupt but with the help of Martin Lewis (All Hail) and the collective knowledge, wisdom and support of the lovely people on these boards I pulled myself back from the abyss and am now financially stable.
Not rich but I have "enough".
Now a confession ........although I am very content to live a simple and now thankfully stress free life I do have a penchant for a little luxury.....and .........before I get too old and decrepit, its time for some fun. Time to finally reap the benefit of all my hard work.
I have just moved house. It's a money pit and I love it. Doing up old houses is my idea of fun. I love rescuing old wrecks and turning them into elegant, comfortable homes and then when I sell ........hopefully they end up a profitable investment.
I did well on the last one, which I bankrolled and project managed.i gave all the profits to my son who put in all the sweat equity and hours of back breaking work. I was happy just to break even on that one and give him a leg up.
However .......as we all know "all work and no play makes Jill a very dull girl". So, whilst I am fully committed to making this new house a stunner And hopefully make a nice little profit I want to
a) do it on a tight budget and
b) not put my life on hold in the process this time.
So......my plan is to live off my income of £12,000 and use some of my capital as my war chest for the renovations and hopefully at some point start up a small sideline business. No idea what yet.
So how to streeeeeetch that £12k, until, in the words of one of our dear chancellors, I think it was Nigel Lawson ....."the pips squeak". How to extract every ounce of luxury and fun.
I am in the process of reviewing my budget. This is always an ongoing process for me. I am constantly refining my budget to make the most of what I have. Sounds a bit anal but I do it at least once a month.
This week I had to change my mobile phone but although I now have to pay an additional £5 per month I am happy with the deal. I also have to take my car in for what I hope will be a minor repair.
My car is getting on a bit and so far has cost me peanuts to run but it's on notice. If it starts getting too expensive then its days are numbered. :rotfl: I can live without a car if I have to, at least as a short term measure. We have good transport links here. I have a free bus pass and a senior railcard. A taxi into the city centre is reasonable.
I have good practical skills, love charity shops, and make most of my own lotions and potions.
What I really need to do is learn now is how to get the fabulous entertainment, hotel and travel deals that I know are out there. As a solo there is often a premium to pay for the privilege of travelling alone......
So now it begins......my quest for a champagne lifestyle......
I am sooooooo worth it. Lol.
moneyistooshorttomention wrote: »
Bereavement of any description can take a hard knock at one's confidence I've found LL. Bereavement, by now, is a term I would use more widely than the common usage (ie about being bereaved of people).
So, from my experience of bereavement (of a different variety - ie loss of a place) and I think my own confidence was starting to come back after about 3 years at a guess (ie it had come back enough that I'd realised I'd lost it for a while). 5 years later and I think most of it is now back. Am bargaining on having it all back at this rate by, say, a year or so time (ie 6 years living in this area).
The Welsh have a term for it that they use for "losing living in Wales (not by their choice)" - hiraeth (loss of THEIR place/homesickness/losing bond with their own area).
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