10 years to 40

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  • Waywardgirl3
    Waywardgirl3 Posts: 65
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    edited 20 May 2023 at 5:46PM
    Hi good luck with your plans. Have you considered walking with your friends, good for you both / all and free. No need to give up socialising, just do it differently V x
    Hi yes, I do love walking and hiking so definitely going to try and get out and do more of that if possible! X 
  • I’ve been feeling sorry for myself this morning looking through horsey peoples that I know instagrams and wondering how they afford their lifestyles, to compete at a high level, buy new horses etc. 
    I always think the likes of instagram are trouble for the people looking at the feeds. Those won't show the getting up early every morning to do the horses, getting them settled in the evening. Worrying about the weather. Unable to go away for a night or a holiday. The stressful job that allows them to afford it all, but without the work flex because the horses come first so you might have to make different career choices. The vets bills. The stress of maintaining the fields, the stables, the muck heap that needs dealing with in some way.

    I have a friend who just bought a beautiful equestrian property and has ponies, but I have no envy of her at all, as it just looks like so much hassle to me. Make friends with someone who has their own ponies, and just offer to help out. :)
    Save £12k in 2024 #29
    January take lunch to work goal - 13 of 19
  • Morning :) Ooooooh that is exactly the reason I came off Instagram! It upsets me seeing all these other horse-girls with the best horses, no veterinary problems, competing every weekend and having all the bling. It can have a massive impact on what you appreciate and feel successful for in your own life. We are all different and all come from different circumstances/backgrounds. I haven't looked back since deleting the app! I focus on what I have; albeit a broken horsey at the moment but I still love looking after her everyday regardless!

    Have you considered an SOA yet? We may be able to help you save a little extra if we can see everything that comes in and out bill wise :) x
    Debt Free Date: 24th October 2023! £7402.10 Paid Off In 6 Months!
    3 Month Emergency Fund: £3500 / £3500
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  • DrCarrie
    DrCarrie Posts: 864
    First Anniversary Debt-free and Proud! Photogenic First Post
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    You are doing great, well-done. Great aspirations, wishing you all luck for the onward journey. 
    Mortgage 17th of Jan 24 = £174,000
    Escaping into Private Practice fund £330/£11,000 = 3%
  • Waywardgirl3
    Waywardgirl3 Posts: 65
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    edited 15 October 2022 at 11:19AM
    Yep you are right! Instagram is a highlights reel. The silly thing is I’ve had a horse before and experienced all the lows and stress that can come with it! But still you see these peoples lives through rose tinted glasses. I think it’s more the feeling of being so far financially behind people who are a similar age to me that gets me down. But I suppose very few people on Instagram are posting about the debt they are in.  Might delete the app for a bit. 

    An SOA could be good, I’ll look into posting one 
  • DrCarrie said:
    You are doing great, well-done. Great aspirations, wishing you all luck for the onward journey. 
    Thankyou! 
  • It is good to have things to aim for.  I would limit the IG browsing though as it is completely false. People only post the good stuff on there and if you are the type of person who feels envious of that and will be tempted to make rash decisions it is better not to look on there at all. 

    Maybe look at cheaper options for catching up with friends like a walk as others have said or a movie/pizza/wine night at home rather than meals out. 
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  • Definitely doing the above re staying in with friends going forward! 

    I go on lots of walks with my friends anyway to catch up but going to have people round in November/December instead of eating out. 
  • SO

    14 days till payday! 

    30 pounds spent on a riding lesson this morning - so expensive but really improved my mood! Definitely a luxury, I think with the amount of debt I’m in that at this stage I’m only going to be able to afford one or two a month. 

    30 pound budget for dinner tonight and then that leaves my personal budget for the rest of the month at £3.71!

    as I’ve mentioned before groceries come out of the joint account and I have half a tank of petrol so should be okay in terms of that. 

    I also have some coffee shop vouchers through work so might utilise them for a free day date with my partner. 

    Overall feeling positive today, still overwhelmed by how far I have to go but lots to be grateful for ❤️
  • Waywardgirl3
    Waywardgirl3 Posts: 65
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    edited 21 May 2023 at 6:15AM
    So payslips are out! I have 0 pennies in my personal account having sent all the last ones to savings so 5 nsds coming up for me! 

    Budget for November done. I know there are quite a few ‘luxuries’ in there so please don’t be too harsh! I’ve tried stripping to the bone before and it just doesn’t work with my mental health - I crash and go on a shopping binge. The main goal atm is to avoid getting in more debt - baby steps! 

    So total pay = 2270

    broken down as follows 

    Mbna Loan  - 365

    Joint cc - 100

    Klarna debt - 90 (my last ever payment of this!)

    Joint account - 750 (this is my half of all mortgage, bills,groceries,pets etc - me and my partner transfer a proportional amount each month) 

    AA- 10

    Monzo plus - 5(this really helps me with budgeting)

    Apple Music - 5

    Phone - 50 (I know this is high but I’m stuck in a contract!)

    Netflix -10

    DVLA - 15

    Gym - 20

    Emergency fund - 100

    Personal spends (try to save most of this but give it to myself due to problems with restriction as above) - 140

    Car insurance - 75 (hoping this comes down in December!)

    Petrol - 40

    Prescription - 10

    Gifts - 50

    Christmas sinking fund - 50

    Horse sinking fund -10(lol)

    Riding lessons - 60

    Bucket list trip 2023 - 315


    Having written all this down I cannot believe how much is going this month on debt repayments - £555! Imagine what I could do with that once this is paid off! Depressing but motivation to keep going definitely. 

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