Trying to get back to living my best life
After paying off my car finance in the middle of last year to become debt-free I have spent just over a year trying to save hard towards a house deposit. However, living in the south-east, in a town that is one of the best-connected to London, prices are jumping up so much that I can’t even afford a one bed flat in my local area, let alone anything beyond that. Having scrimped and saved as much as I can during this time, my house savings are around £10K and my current salary would only net me a mortgage of not much over £100K so I think it’s safe to say my house owning aspirations need to be put on hold for the foreseeable future.
With this in mind and with the year edging towards autumn and the new school year, I’ve been looking at my finances and what I really want out of my life. The biggest conclusion I’ve come to is that I’m not really living much of a life at the moment.
So, what is life like at the moment? I’m 34, single and I live with my Mum and my eldest brother (of 3 older brothers). My workplace is based up in London but, starting later this month, I will only have to go into the office every other week and can work from home the rest of the time. I suffer with chronic migraines which have been getting worse over the last couple of years and have more recently been diagnosed with cervical spondylosis (a type of osteoarthritis in my back and shoulders), both of which mean I can be in near constant pain. My pain levels have meant that over the years I have flaked out of meeting up or going out with friends which now means I rarely get invited out by anyone other than family. Pain-related apathy has meant that my house is an absolute state, my weight is out of control and over the last couple of months my spending has gone crazy.
I’m hoping that keeping a new diary will encourage me to be more productive and to keep me focused on frugality rather than spending for the sake of it.
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