Buying a little piece of Middle England; Manifesting my way to mortgage free.

debtfreewannabe321

beanielou said:

Intersting how people's experiences differ.
I see my physio weekly & she does manipulaion & massage & some other bits & bobs.

Hmm I wonder if I was to try another one they would be more helpful. I was in and out within 20 minutes it was a nhs referral years ago.... I would be happy to pay for it to be honest if it helps. I don't ever put a budget on my health and mobility after having suffered on and off for years with it. 
Thanks for that I might have a little look online to see what is available to me locally  

debtfreewannabe321

Okay I have done the s'bury shop. With a meal plan in my hand. With the fridge, freezer and cupboards open next to me and whittled down what I didn't need, but also added things I keep forgetting like sea salt and dried lentils so i'm not sure I have actually cut the budget, in fact it might be more than I started with lol however it is all stuff I need that won't go off unlike what I already had in the basket. The shop with vouchers added should come to £103.89 so pretty good considering I have put some treats in there I won't update my signature though until it turns up and I see what they have substituted and what wasn't available etc. Last week I had £6 worth of vouchers because they had substituted so much and I didn't want what they sent. I also got the refund for the lemons which were mouldy so last weeks bill is actually around a tenner less than I stated before, but as it all evens out with vouchers off the next shop I won't adjust the signature tallying it. 

beanielou

Yes, sadly NHS don't do hands on.
Look for one who is HCPC registered.
I pay £50 a session for 40 mins.

debtfreewannabe321

beanielou said:

Yes, sadly NHS don't do hands on.
Look for one who is HCPC registered.
I pay £50 a session for 40 mins.

oh really? That is much cheaper than my chiro for the amount of time anyway...it was £45 for 15 mins the last time I went. But they do get a lot cracked in that time tbf. But I would like to try alternatives. Thanks for sharing I will definitely look into this. And it makes sense now why some people are always raving about their physio...I bet most of them pay. The one i saw looked harassed and like they really did not care one iota about me. 

debtfreewannabe321

Received paperwork to get online finally with my cah00t account. Have set it all up and moved my EF over to it from my regular savers acc. The interest was 1.97% and the new account is 5%. DP can set up his too as this is a joint account and I fully intend to get him board for some TT throughout the month into there so we can reach our first savings goal ahead of time. Right anyway, gotta run to work now...

debtfreewannabe321

Morning Diary land.......... it is FEEEEEEEEEEEEEBRUARY FIIIIIIINALLY!! That was the longest January ever hey!
Or just me thinking that?

Shopping has been already, cupboards, fridge and freezer are all stocked. It is so nice to get to February the first and actually have full freezers, fridge and cupboards. It has not been this way for a fair few years in the DFW household...not without incurring some sort of debt anyway (overdraft usually!) I am making a dahl today with rice, poppadoms and chutney and side salad. I will make at least two dinners worth of dahl so I can freeze one. I make a good dahl and even my fussy kids eat it (albeit they usually moan as they take it, they do bring back empty plates).

I will check my receipt for the shopping but I think everything was on there today, I sent back only one item with a short life on it so will get a refund for that. 

I got an email from clear score today and my credit score has gone up 9 points to 841. It's the highest it's been in many years. 

I am in work early today. My manager came to speak to me yesterday because she knows I am not very happy with the way things have been going (overworked and underpaid and more importantly to me underappreciated) I think her intentions were good but she actually left me feeling even worse. Every time she asked about a certain thing and I replied she would tell me how bad she'd had it when in my position (which of course was ten times worse than I ever had it and left me feeling totally unheard). She told me a story about how she would leave for work at 7am and not return home until 10pm. It was reminiscent of a story my grandfather told me about going to school and having to walk up a mountain side to get there, in the snow with short trousers on. Whilst his sounds unbelievable, her version of this story was even more so. So I was left feeling like I wasn't heard, I was being dismissed and I had a horrible shift. I am the only supervisor in today too, and training a new starter. He is lovely, but he has learning difficulties and he is pretty slow so I will go at his speed. I don't want to freak him out and have another one quit. We have had four already this year, start the job realise it is too much hard work and then leave. He is really nice and I'd like to retain him if we can. I came home from work last night and sat down with my budget in hand and did a mock up for next month. I can afford to quit now basically. But I won't be able to afford any OP to the mortgage. But all other bills and expenses including savings pots are covered......so I am on the lookout for another small job I think.

I have had enough now of feeling unappreciated when I know I do a good job of supervising and training and I am worth more. Okay that is my pep talk done for the day.... I just know I am capable of more than this and I keep thinking back to the time I worked in my family business, and ran the entire thing with twenty odd staff under me.....and I never once made any of our employees feel like they were not worth me listening to. Some people are just not cut out for management and my manager is one of those people. 

So dahl to cook, little fussy dog who is still not eating well to walk and a quick tidy round the house before work. We actually have some blue skies here today and I can hear the birds chirping happily away, but it is a trick, it is absolutely freezing out there and I can see frost on all the neighbours cars and my lawns maybe another cuppa before anything else...and see what I can TT and PAD across to the mortgage. Oh and the mortgage interest went on yesterday, £208.81, the payment for the month has gone out but it hasn't updated yet on the app. Tomorrow it should so hopefully I will see the balance come down a little then, because right now it is the highest it has been since I started doing this even with my little PADs here and there oh well....

To balance this rather depressing post out, I wish to put some gratitudes in, because my life is not all that miserable:
Today I am grateful for:

*a working boiler, I have had a lovely hot shower already and washed my hair so feel nice and clean and warm. The heating is on too so thank you boiler.
*food in my cupboards, fridge and freezer.
* meal plans, they have quite literally saved my sanity and DPs too as he works all day and appreciates a meal already done for him.
*money in lots of pots
*knowing my own worth no matter what others think of me
*my DP & DC they keep me going
*the beautiful blue sky and the birds outside the window

debtfreewannabe321

£0.71 TT to EF
£10 direct to mortgage OP.
Feeling flush because my maintenance has gone in and for once I am not spending it all as soon as it's gone in because all bills were accounted for already  

debtfreewannabe321

Sent another £300 to the mortgage OP pot.  😁

Three lots of dinners made from the Dahl, two to freeze and one to eat later! My new pot for batch cooking is HUGE! Off to work I go now....

beanielou

I think it really is time for you to move on & look after yourself.

girlatplay

Hey
I'm delurking to ask, can you please share your dahl recipe?