We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

I am the obstacle and I am the path (to debt free...again)

Options
11517192021

Comments

  • DrCarrie
    DrCarrie Posts: 923 Forumite
    Ninth Anniversary 500 Posts Debt-free and Proud! Photogenic
    50 before I am 50 bucket list 

    Seeing  and being in beauty  = 20 
    - Trip to Ludlow
    - Trip to Cornwall 
    - Trip to Rye and Camber Sands
    - Visit Tate Britain
    - Visit Tate Modern
    - Margate and the Turner Contemporary 
    - Visit 9 new places 
    - See sunrise and sunset on the same day x  4 
    - Swim in moonlight 

    Craft and creativity = 14
    - Finish knitting jumper
    - 9 x Patchwork squares (by hand)
    - 4 x sew garments to wear 
     
    Nourishment and movement = 13
    - Big goal here is to get back to 3 times per week of my Ashtanga Yoga Practice – reliably doing half primary 
    - 9 new recipes 
    - (50 walks before I am 50)
    - Forage for food and use it!
    - Go dancing 

    Financial = 3
    - Minimum payment of CC 2, less than £150 pcm
    - Half debt gone 
    - Remaining debt all on 0%

    @WinterWarrior - it's quite ambitious!

    I will review progress at the end of each month!
    3-month emergency fund (Cash ISA & PBs): £4744/ £6,000
    Stocks and shares ISA: £1497
    Additional pension contributions £0
    Overpayment on mortgage: £0
    Big Renno..£0
  • WinterWarrior
    WinterWarrior Posts: 6,101 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    That is ambitious, but fabulous to aim for. Extra good luck ⭐️
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • Hazelnutty
    Hazelnutty Posts: 743 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    Love it! :heart:
    Choose kind:)
  • DrCarrie
    DrCarrie Posts: 923 Forumite
    Ninth Anniversary 500 Posts Debt-free and Proud! Photogenic
    Just came by to update my signature, there has been movement on the professional thing, still horrible, and not even read the full thing. Getting my solicitor to do that first so that I can receive a measured message - hopefully.

    Haven't hit Mini goal 2 as I hoped, £10 off doing that. 

     Went out for a walk on Saturday, 4.7 miles and very hilly. 


    3-month emergency fund (Cash ISA & PBs): £4744/ £6,000
    Stocks and shares ISA: £1497
    Additional pension contributions £0
    Overpayment on mortgage: £0
    Big Renno..£0
  • Hazelnutty
    Hazelnutty Posts: 743 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    Thinking of you - I can't imagine the emotional stress of having this hanging over you. Sending virtual hugs :heart:
    Choose kind:)
  • WinterWarrior
    WinterWarrior Posts: 6,101 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    That’s a lovely view. 
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • DrCarrie
    DrCarrie Posts: 923 Forumite
    Ninth Anniversary 500 Posts Debt-free and Proud! Photogenic
    Oh boy, oh boy. The professional thing. Its a lot. Feeling very stuck, and in the past. 

    Meantime, 17/17  NSD's this month. Had a lovely weekend between the assignment being finished and the professional thing coming in. I have overspent this month, and need to look forward in my budgeting as there is a fair bit of socialising booked in which is a good thing, but a bit spendy. I need to be around people that know and respect/like me that's for sure. 

    A friend is coming to see me tomorrow, and hoping for a walk, over the weekend and maybe work on a dress i have started. 
    3-month emergency fund (Cash ISA & PBs): £4744/ £6,000
    Stocks and shares ISA: £1497
    Additional pension contributions £0
    Overpayment on mortgage: £0
    Big Renno..£0
  • DrCarrie
    DrCarrie Posts: 923 Forumite
    Ninth Anniversary 500 Posts Debt-free and Proud! Photogenic
    It was payday yesterday, and I have divided up my pots - something is wrong, and I can't see what it is. I have upped my food and weekend budget a smidge because I got in quite a pickle in July. 


    3-month emergency fund (Cash ISA & PBs): £4744/ £6,000
    Stocks and shares ISA: £1497
    Additional pension contributions £0
    Overpayment on mortgage: £0
    Big Renno..£0
  • WinterWarrior
    WinterWarrior Posts: 6,101 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Name Dropper
    Try writing it all down and see if you can spot the discrepancy?
    I tweaked my budget for the same reason. 
    Not all who wander are lost - J.R.R.Tolkien
    🌊 A smooth sea never made a skilled sailor 🌊

    My WW and friends diary is here 😁 … 
    https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p1

  • DrCarrie
    DrCarrie Posts: 923 Forumite
    Ninth Anniversary 500 Posts Debt-free and Proud! Photogenic
    Blimey, oh Riley. 

    Got pinged very early yesterday morning, isolating for 7 more days, but a test should be with me later today, if I can get it turned around - I may be able to be released if it's negative? 

    So Money saving has not started well as I needed a few things including loo roll, so deliveroo was employed very expensive way of getting essentials.

    Not able to go out for a walk. 

    Very anxious about the professional thing but had a good response from someone. But wasn't able to concentrate to sew. 

    Fortunately had a lot of support and a nice time on Saturday - lovely lunch and got in the sea, a bit too much wine.
    3-month emergency fund (Cash ISA & PBs): £4744/ £6,000
    Stocks and shares ISA: £1497
    Additional pension contributions £0
    Overpayment on mortgage: £0
    Big Renno..£0
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.9K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.