Three years to get debt free

Fidelia · 6 September 2021 at 7:35AM

Willowtree222 said:

Morning everyone,

It’s back to work with that dread feeling I get. Makes me more determined to sort out my finances, but equally I feel low so spend. Have to sort out this cycle and see the long term gain of not spending. Overdraft is eugh and bordering on **** that will impact next pay day which is my own doing. That impacts debt paying which makes me feel rubbish and then I spend.

I can’t keep this up as I really need to get straight.

Determined to do this x

First day back at work is always strange, isn't it? Today will soon be over though and it will seem like you've never been away. Think of your whole financial life from today as a Fresh Start, like a fresh start to the school year. You WILL get things sorted how you want them to be, you always do xxxx

I must have missed some steps in your plans somewhere but didn't you hope to go part-time and have Mondays off? Is that still going to happen?

Fidelia · 6 September 2021 at 7:55AM

BellaLasagna2018 said:

Willowtree222 said:

I would love to learn quilting. I have saved DD’s clothes to cut up and make j to a blanket for when she is 18. Ive got ten years left but really need to sort it. X

I do patchwork and quilting too. It is not too difficult. I am self taught, starting when my DD was a toddler with a hand sewn hexagon quilt. There are plenty of tutorials online, on YouTube and various blogs and website, and lots of groups on Facebook etc. My Instagram feed is mostly patchwork and quilting pictures!

The only issue is that I have a lot of quilts now. Family keep telling me I should start selling but that would be turning a hobby I something potentially more stressful, so I now make them for Project Linus.

I agree, the simpler designs are not difficult so long as you're very accurate with your cutting and measuring. It's when I got onto some of the really intricate ones with curved pieces etc that the hair-tearing began! Some of the ones I see in exhibitions are mind-blowingly complicated and I'm in awe of the makers. Quilting is really big in America, I first got the bug when we were there on holiday in about 1975.

Sewing the pieces together is therapeutic In my opinion but the hardest part is the actual quilting process with a big quilt such as queen or king size as it's so unweildy for a domestic sewing machine. Some quilters who have spent months on a huge 'heirloom' quilt often send them to a person with a long arm quilting machine and pay to have them finished. Expensive but worth the money. No problems if you are making cot/child/single quilts or maybe lap quilts/throws as a domestic sewing machine can cope with that OK.

I too give lots of my quilts away as gifts or to charity and in lockdown I was sewing like crazy and amassed several! I worry so much when someone asks me to make them one using special pieces of fabric that they've stored and which mean so much to them. I get anxious when I'm responsible in any way for people's memories.

Willowtree222 · 6 September 2021 at 11:47AM

Fidelia said:

Willowtree222 said:

Morning everyone,

It’s back to work with that dread feeling I get. Makes me more determined to sort out my finances, but equally I feel low so spend. Have to sort out this cycle and see the long term gain of not spending. Overdraft is eugh and bordering on **** that will impact next pay day which is my own doing. That impacts debt paying which makes me feel rubbish and then I spend.

I can’t keep this up as I really need to get straight.

Determined to do this x

First day back at work is always strange, isn't it? Today will soon be over though and it will seem like you've never been away. Think of your whole financial life from today as a Fresh Start, like a fresh start to the school year. You WILL get things sorted how you want them to be, you always do xxxx

I must have missed some steps in your plans somewhere but didn't you hope to go part-time and have Mondays off? Is that still going to happen?

Heya,

I did go PT for a month but financially it became a strain so went back full time. I’m hoping this will change it 12 months again though and I can go back to PT. we will see dependent on my finances. Another reason I need to sort myself out.

Onebrokelady · 6 September 2021 at 2:14PM

Right do you need a kick up the bum 😀 We are all guilty of letting things slide,I've been awful over the last few months with not keeping an eye on the budget but we can do this if we put our minds to it. It's a new month with a new start and I am embracing that, you have done amazingly well so far so please don't let that be in vain....... nagging now over 😀I hope work has gone well xx

Willowtree222 · 6 September 2021 at 4:42PM

Onebrokelady said:

Right do you need a kick up the bum 😀 We are all guilty of letting things slide,I've been awful over the last few months with not keeping an eye on the budget but we can do this if we put our minds to it. It's a new month with a new start and I am embracing that, you have done amazingly well so far so please don't let that be in vain....... nagging now over 😀I hope work has gone well xx

Thanks OBL, I do need it. Hopefully I’m back on it now. I’ve organised click and collect again for next week. Hoping to keep that up as I’ll have my overdraft to pay off again!

X

Willowtree222 · 7 September 2021 at 5:09PM

Was worrying a bit this morning about overdraft and where it is. I got an email to say I’ve won £10 on the postcode lottery and today come home to a £250 cheque for the local lottery I do. It’s not cleared the overdraft, but it’s changed it to a much better figure. It means I can allocate full debt payment for September. That makes me very very happy!

X