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The Mental Debt Struggle...

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  • Keedie
    Keedie Posts: 2,917 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    I had my interview this evening for the co-facilitator role for the bipolar support group. I was a bit taken off guard as it said it as an assessment, but I hadn't realised it was an interview until we started. So I fumbled a bit, but it was decent enough to get through. I have training tomorrow morning and then they're doing references and DBS checks. It's all starting to get a bit real now. But in a good way.

    I've also received an email to confirm that my course materials will be delivered tomorrow. I'm so excited! I really do need to get some notebooks though. I'll see how the materials are structured before I buy anything though. I don't want to waste any money. 

    Speaking of which, I sorted out the discrepancies in my budget, so I have a clearer idea of what I'm doing moving forward. I've paused any thoughts of holiday savings, and the car. So right now, I'm just working on The Big Bufferoo (my £1,000 emergency fund), and then I'll sort out the Attracting Abundance fund (a back up fund to maintain my budget income when my agency contract ends). I'll be topping up the sinking funds as I go along and will get started on the accumulating money to repay my mum for the course.

    I worked out a flexible but fixed amount budget of £2,000 that I can adapt depending on the month and what is happening. And I have worked out a strategy for any surplus income which will all go into savings and sinking funds. For every £100 of surplus income that I can accumulate it will be split as follows:

    50% (£50) ~ savings challenges (which when completed will top up my savings goals)
    25% (£25) ~ The Main Attraction (which is currently The Big Bufferoo)
    15% (£15) ~ Standing on Business (mainly focussing on The Gift as Christmas is approaching)
    10% (£10) ~ Side Quests (mainly focussing on Munch Munch for family meals until that is funded)

    For amounts in between £100, like if it's £140 or £175, then I will put the £40 or £75 into my own personal sinking funds and fun money. I kind of forgot all about myself in the pursuit of savings and bills etc. I have a hairdresser appointment next Thursday, as I'm going to get my hair permed. So if/when I have surplus income, those additional amounts will pay for things like that. Which I am looking forward to, as I really have let myself go.

    The guys came back today about the wetroom (as they'd cancelled on me a few times over the last few weeks). My son was wide awake and we came to a mutual decision about the decor for the new wetroom and the toilet. We've gone for white walls with the blue border (I wasn't allowed a feature wall), and we agreed on the grey lino. I really liked the bold dark blue lino`zsxderr, but I can acknowledge that it would look super blue against all that white and the bathroom is tiny. So now, it'll be greys and whites and I'll accessorise with blue towels, soap dispenser etc, toilet brush holder, anti fatigue mats etc. So it's a compromise. My bedroom will be the only room that is all blue (with white furniture). 

    I asked about the heater, especially as the toilet one is very rusty. I was told that I need to book a repair for the toilet heater to be changed. And they've kindly said they'd changed the wetroom one (although it no longer leaks), and will put in a towel rail. So I'm very happy with that 💃🏽. It won't even cost me a penny. Yay! 
    Debt Free Diary:- The Mental Debt Struggle
    (Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
    2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
    2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/50
  • AntoMac
    AntoMac Posts: 2,808 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Good to have the wet room progressing Keedie. You will so much better having a nice bathroom. Providing additional support in your bipolar group will also do wonders for your confidence. I have no doubt whatsoever that you will be perfect for that kind of role - you’ve lived it and you’re very caring and thoughtful
    27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 5
  • beanielou
    beanielou Posts: 96,466 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good result on the wet room. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Keedie
    Keedie Posts: 2,917 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Thanks @AntoMac, that's a very kind thing to say. The bipolar facilitator training went well. It is definitely going to improve my confidence. I'm so glad that I started going to the groups a few years ago. It has made such a difference to a sense of belonging.

    I'm really glad about the wetroom @beanielou, as it will make such a difference. I think I'm getting on my son's nerves by going on about it though 😬😂. But I'm just so happy. 

    I'm going to my friend's house for the weekend in Kent, and she's picking me up after she finishes work this evening. I'm looking forward to seeing her as we've not been able to hang out in a while. I'll be home on Sunday, and hanging out with no responsibilities is going to be nice. My son is looking forward to having the flat to himself I reckon. As long as he has food 😂. So we're going food shopping before my friend collects me.

    The course materials for the bookkeeping came today and they were 5 wire bound books and after the initial excitement, my heart sank a little. I think it's just hit me how much work is going to be involved. I am looking forward to it, but I definitely need to work on some type of timetable.
    Debt Free Diary:- The Mental Debt Struggle
    (Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
    2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
    2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/50
  • beanielou
    beanielou Posts: 96,466 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Enjoy your weekend. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • AntoMac
    AntoMac Posts: 2,808 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Hope you’re good Keedie
    27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 5
  • Cherryfudge
    Cherryfudge Posts: 13,692 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Just catching up... I hope you had a good weekend with your friend?

    It's really exciting getting the bathroom done (good news on the towel rail) and I think accessorising in blue should work well. We have done similar though our towels etc. are purple - but it means you can change the feature colour without redoing everything (over the years we've had turquoise, terracotta and purple).

    Once you get started on your coursework, it will be easier: it's when you are looking ahead at the mountain that it looks so big! Have you worked out some sort of timetable yet?

    And the facilitator role should be a good contrast to the course, to help you keep fresh with both.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
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