A Better Life.

I want a better life. I know with the crisis in the cost of living, the war in Ukraine, my mum's illness, the state of the government and the fact that it is winter it is probably the wrong time to start trying! but I am so tired of my life, I feel put upon and trapped but if we are being totally honest I do this to myself. i made these choices. I listened to a you and yours on the radio a few days ago about carers and how social care for adults is essentially non existent. It has been playing on my mind a lot as it made me realise my situation is not that bad and although it will more than likely get worse it isn't there yet and I really need to enjoy this time if that makes sense. Some of the stories were just awful. And obviously my own sister has much more difficult and stressful time than we do. I need to get on with things a bit better. 

At the moment my duties for Mum include housework, dogs, gardening, meals, medication, doctors appointments and trying (!) to get her to do nice things... I have to be here every day to provide her with one hot meal but she (after huge rows) sorts out her own breakfast and lunch which means she often doesn't eat but I cannot give up my job and she refuses carers so I have told my sisters and we carry on. (and yes I have tried leaving meals but she never eats them and I have tied myself in knots about it all- no more!) 

I have barely seen my friends recently and this half term haven't seen a soul aside from vet and my mum! So it has been a tough week. One I don't want to repeat. Hence the need for a new diary and a fresh start. I am not doing this to myself anymore. I was waiting for mum to be well enough for me to leave but that isn't going to happen, I need to make the best of things now. 

Money wise 

The situation is ok. I won't own a house in the south but that is ok, I have 10,00 in savings for the mythical house in the north! 7000 for a car (loan money) I owe 4775 on the loan. Just had a HUGE vet bill and a ridiculous car bill (I can't find a car I like or want, I like my car and I had to get it fixed as between mum, sister, work and the animals I need a car ) so have no emergency fund at all - but at least I had it.  I have savings for Christmas and a 1000 pounds in a Savings account plus two other small savings accounts I "forget about" and pay between 25 and 100 pound each month. 

Money plan - November. 
1. No Big River shopping in November. none. 
2. Plan out Christmas properly. 
3. Double pay loan. I do think about paying it off but I really don't want to. The money is in a good savings account, makes 8 poundsish a month. And I want to be flexible re car. 
4. Only buy hay and dog treats for pets. 
5. One night out on the weekend. 
6. All extra money goes into the emergency fund. 

I am going to do more things I enjoy and make sure the house works for me and this life is at least in part lived for me not everyone else - I am not that selfless, I really admire people like my sister who are but that is simply not me. I want to enjoy myself a whole lot more. 

Buffy XXX 







Nevertheless she persisted.
«13456760

Comments

  • Brie
    Brie Posts: 9,959 Forumite
    Photogenic First Post Name Dropper First Anniversary
    edited 30 October 2022 at 2:01PM
    Can't think of anything helpful to say other than good luck and I hope you manage to look after yourself.  Moms can be very stubborn.
    "Never retract, never explain, never apologise; get things done and let them howl.”
  • juliejim
    juliejim Posts: 7,943 Forumite
    First Anniversary First Post Combo Breaker
    That sounds like a good plan Buffy and a fresh start for you.

    Good luck
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA £5500
  • Wishing you well with your new diary  :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.

    Solicitor/survey savings 300/1700
    Emergency fund 0/1000
    Buffer fund 0/200
  • benbenandme
    benbenandme Posts: 12,175 Forumite
    First Post First Anniversary Combo Breaker Photogenic
    Happy new diary Buffy! You're not alone, there are lots of people on here who are rooting for you xx
    Mortgage Total: £55,900 / £75,000
    2024 Savings: £2532
  • Happy new diary, wishing you all the best and will be cheering you on xx
  • Thanks guys XXXX 

    I am building my furniture for my room. It is slow going. Sausage rolls for lunch and a cake for afters. We have sainsbugs stew and dumplings for dinner which is an easy stick in the oven thing. 

    XX
    Nevertheless she persisted.
  • skint_spice
    skint_spice Posts: 12,638 Forumite
    Name Dropper First Post Photogenic First Anniversary
    Happy new diary and I am glad you can see a way forward 😎
    Mortgage End Date: Apr 36/Aiming for Aug 28/Current Sep 35

    Mortgage OP 2024 £2250/7000

    Mortgage balance: £52660

  • beanielou
    beanielou Posts: 90,222 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    happy shiny new diary  :)
    Keep plodding  :)  xx
    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.
  • Happy new diary and lots of hugs
Meet your Ambassadors

Categories

  • All Categories
  • 343.1K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.2K Work, Benefits & Business
  • 607.9K Mortgages, Homes & Bills
  • 173K Life & Family
  • 247.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards