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Find the SecondStar and soar, and then straight on till the morning…

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  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    I feel like a newborn lamb, all wobbly legs and big round eyes, both terrified and in love with the world.”
    Awwww …. I would love to be able to give you a huge, big, squashy hug. ❤️

    As with most of these things, knowing what the problem is is actually half the battle, and you do as you have so clearly described above. 😊 I went through something similar when I ran away from my sociopathic ex. My one piece of advice will be look for the ‘sparkles of joy’ that occur in you as time goes on. These will be triggered by what feeds you now - some of it will be the same as when you were younger and some will be new or surprising things. Feed those seeds and you will find your way 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Morning 😊

    How are you getting on?

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • So pleased for you! Into your new chapter with your head held high - go you! ❤️
  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    What an absolutely awesome update! 🤩❤️
    So happy to read about both your home and your new relationship 😊

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • SecondStar
    SecondStar Posts: 641 Forumite
    500 Posts Third Anniversary Name Dropper
    Hello and welcome 2024! Happy New Year everyone 🥰

    I was actually going to come and post on here and have a little rant and a moan about how expensive life is, about how many things have gone wrong recently (did my back in a week ago and had to go for physio, the boiler broke on 21st Dec and cost £90, my dog has been going through a pain flare up and needing extra physio ££, my cat is overdue her bloods to test her kidneys £££, my car needs a new exhaust before it’s MOT £££, and my fence blew down the other night!); but then I read this thread back from the beginning.

    Yes, I’ve just listed the annoying/expensive/stressful things that have gone on in the last couple of weeks, but looking back to where I was 12 months ago, all of that is water off a duck’s back.



    I’m not one for ‘resolutions’ as such, but what I am wanting to mindfully bring into the new year is gratitude, intentionality, and calm.

    Gratitude for my many blessings: the roof over my head, my friends, that I am steadily employed, that I have my health, that I am (just about) able to pay my bills, that my pets want for nothing to give them a good quality of life.

    Intentionality: that I am not stuffing my house, my life, full of things which I don’t really value. Whether that be items, people, or experiences. Learning the value of saying no to things I don’t really want to do. Not rushing into buying things for the sake of it, out of a mistaken believe that I NEED it.

     Calm: taking my time with life, not reacting instinctively out of fear or guilt or overwhelm. Again, not rushing into things without a measured amount of time to think about them, and to weigh up whether it’s something I really need in my life. Making decisions which are grounded, rather than explosive, emotional, or rooted in being triggered.



    Again, not so much a ‘resolution’, but something I want at the forefront this year - money. It’s the MoneySavingExpert Forum, it always comes down to money, at the end!

    Since I moved into my new home 8 months ago, I’ve been in the red every month, for one reason or another. It really does have to change this year, I can’t keep dipping into my very dwindling savings, and then not replenishing them. I can’t keep making excuses for it, either.

    I plan to execute this by -

    Reducing unnecessary variable spending.
    • I’d already reduced my therapy sessions to every other week, but have contacted my therapist to tell her I need to pause our sessions for the foreseeable. I’d rather not, but realistically I can’t afford it right now. 
    • I give myself £150 each month for groceries and household sundries (cleaning supplies, loo roll etc.), and I’m going to try to reduce this. I plan to do this by altering the type and amount of gluten free food I currently get on prescription each month, so that I’m making more financially efficient choices. I also plan to utilise our community fridge more, which provides free food in order to reduce food waste (not a low income scheme, purely set up for reducing food waste). I’m also going to start making more food from scratch - I’ve already replaced shop bought gluten free breakfast items with homemade items, and I’m learning different soup recipes, but this can be expanded on.

     Not buying new, if I can help it.
    • It can be far too easy to rush to Amazon, or IKEA, or Homebase, when I think I NEED something RIGHT NOW. There is not much in life which is such an urgent necessity that it can’t be mulled over for a week, saved up for or had money assigned for it, and then the time taken to look for it or something similar secondhand - either through marketplaces on social media, free sites or pages, reselling sites, charity shops, or eBay. Do I need that EXACT thing, or can compromises or changes to plans be made?
    • If it’s a thing to be used, rather than bought and kept, can I borrow it from a friend or lending library? Can I hire it for a weekend?
    • If it’s something I want or need to do, do I know someone who knows how to do it and can tell or show me? It’s difficult for me to ask for and accept help, when I’ve been so used to throwing money at problems and outsourcing knowledge. I think it’s time for me to shelve some of my pride, and learn how to ask for help when needed. My partner has been very good in this regard - he has a lot of experience with a lot of different things, and has offered to do everything from insulating my attic, to building cabinetry, to painting and wallpapering. But it’s not enough to let him offer and get on with jobs, I want to learn as well. I can manage basic DIY, but I would like to get better.


    I’m hoping that with these things in mind, it will lead to being able to solidly put money back into my savings each month - even if it’s only £20 - and not be dipping in for off the cuff purchases.

    I also want to be writing in here more again, to keep me motivated and remembering what I’d told myself!
    ‘When you only have two pennies left in the world, spend one on bread and the other on flowers. The bread will sustain life, the flowers will give you a reason to live.’

    Frugal living in 2024.
    Frugal living in 2025.

    261 No Spend Days in 2024!

    3-month Emergency Fund: £3,500 / £3,500 - DONE!
    1k Pet Emergency Fund - £1,000 / £1,000 - DONE!

    Nationwide 1 year 6.5% Savings - £600 / £2,400
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    @SecondStar happy new year! What a wonderful post; how right you are.  You are doing brilliantly.   2024 is a fresh start; onwards and upwards love Humdinger xx 
  • KajiKita
    KajiKita Posts: 7,661 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hi @SecondStar and welcome back, I have missed you 😊

    That is an excellent re-set post with some really good approaches and ideas, but I just want to say don’t be too hard on yourself. Moving is tough! Some of what you are describing (instant shopping for example) is what I would describe as ‘survival mode’ stuff to get you through the process and out the other side. But you have already started to come out of this with things like soup making 😊👏

    @LadyWithAPlan is a gluten free eater (is that the right term …? 😉😂) and she’s recently started making her own gluten free bread. Might be worth looking out for a second hand bread maker in your travels?

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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