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My Plans of Actions and Dreams

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  • Good luck with the DIY jobs in the bathroom 😊 that will save you loads I bet. I once had a go at plastering a wall because the quote was so high my eyes watered. I got more plaster on me and the floor than the wall but I did it and it looked good at the end. And I proved to myself I could do all those sorts of jobs myself from then on in. 
    As for budget would it be a good idea to have a 10%+ 'extra' in case of overspends. Like my pocket money I allocate myself is £100 same for DP, food is £500 per month, but I put an extra £50 into a savings account as a float if you like in case we need it for food or overspends on pocket money. And whatever is left I transfer it over to savings end of month. 
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • save_dog
    save_dog Posts: 32 Forumite
    Part of the Furniture 10 Posts Name Dropper Combo Breaker
    I’m so impressed by the DIY attempt at plastering - I wish I was more of the have a go type but I have a very handy husband so I just sort of leave everything to him. I should really try though! I can be a bit lacking in common sense admittedly so I always worry I’ll make a daft mistake 😅

    Good luck on saving your spends!
    Mortgage: £363,959.10 as at beginning of November 2024 (re-start of diary following house move)

    Next goal: sub £360k by March 2025

    Daily interest at end of November 2024: £36.25
  • Egoberry
    Egoberry Posts: 14 Forumite
    Second Anniversary 10 Posts Name Dropper
    edited 22 March 2024 at 2:54PM
    Hope the 4am start wasn't too traumatic!

    It does seem like impulsive purchases are taking a lot of your brainspace and then you often regret them very quickly. Could you try an exercise where you write down any items you feel the urge to buy and review them at the end of the week / month / etc to see if you feel the same way? Easier said than done of course but could make a big difference - otherwise it feels like you are stuck in an excitement - regret cycle all the time and it's getting you down.
  • evebeme
    evebeme Posts: 95 Forumite
    Fourth Anniversary 10 Posts
    Sweetie, I feel for you. A friend of mine tried the virtual gastric band. Uses hypnotherapy. Strictly non invasive. Makes you feel full. Sorry, can't seem to get the UK one to work from Australia

  • Egoberry
    Egoberry Posts: 14 Forumite
    Second Anniversary 10 Posts Name Dropper
    What a nightmare with the treadmill! Bet you cannot wait to have it gone...

    Great news on the NHS appointment, hopefully it is beneficial. How did you put the weight on if you don't mind me asking? Was it a specific event, long term etc? Just trying to understand if there's underlying trauma behind it.
  • evebeme
    evebeme Posts: 95 Forumite
    Fourth Anniversary 10 Posts
    Could your early weight gain as a child be due to not having a good relationship with your parents? I bring this up because I once cared for a child who would stuff himself with food. I soon discovered that his parents seldom hugged him (lack of touch) I gave him my best but wasn't with him enough to change things. I've often wondered what became of him.

    Just know one thing sweetie, there are a lot of people out there who are rooting for you.
  • evebeme
    evebeme Posts: 95 Forumite
    Fourth Anniversary 10 Posts
    Good for you resisting the impulse buy! It was indeed a win for you. The old you would have purchased it immediately instead of doing the thoughtful thing and putting it on the back burner for a bit.
  • That's a great win Hotdog! 
    It does sound to me like some counselling would be beneficial and perhaps some inner work healing your inner child. Abuse as a child, even when we can't remember it, lingers on in our emotional body. Good luck with the NHS appointment. And I can't believe the bad luck with the treadmill! I hope you get rid of it soon.
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200.
    Total- £1162.23
    Goal pay off 1% of current mortgage in 1 year. £1200. (96.83% there)

    EF- first goal £300
  • evebeme
    evebeme Posts: 95 Forumite
    Fourth Anniversary 10 Posts
    Happy Easter to you too Hotdog. You are doing remarkably well.
  • Egoberry
    Egoberry Posts: 14 Forumite
    Second Anniversary 10 Posts Name Dropper
    Seconded - you are doing so so well! I am so impressed with your DIY ability as well.

    We need to see this £1100 chair! It made me ponder how I should consider myself very lucky that I never really liked spending money and get a thrill out of getting things cheaply. Don't think I have ever owned anything that costs that much haha!
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