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

LadyWithAPlan

Hope you feeling better soon. Good luck on the job 

Sorry you finding ynab so confusing. 1 suggestion is  make a fresh start and do it  as it should be used  but keep the CCs  off ynab for a couple months - as the way the CC works is confusing especially if you still using them or carry debt. Dont use targets either. Just have your main bank accounts, assign the cash in your bank accts  and just add the monthly cc payment(s) as an expense for now.

If you are in cc debt and still using a cc, when you have ynab running without ccs - then maybe get a  new cc for use and clear it off each month  as the next step  and the CC ones with debt on just add as loans so just a monthly payment and add any interest.

There are YNAB coaches as well you can hire for just a couple hours - or screenshot the problems and send them to ynab support - if you give them  read access they will actually do a video of how to clean up your accounts with detailed - go here, do this. I asked once and the support level was amazing - I went back 3 times needing more help and each time I got a new video with 'if you want to do this' take these steps.

Nintud

I’m staying caught up!

I hope the new bed is a cloud of comfort. Nice relaxing bath, fresh nightwear, soft lighting and a good book. My idea of heaven!

The 7 hour shifts might include your (unpaid) lunch break. Do you get any ‘free’ periods on your timetable?

if You haven’t done so already, you need to join Unison. Never cross the threshold of a school without belonging to a union!

debtfreewannabe321

Morning all, Thanks Beanie, KK, Watty, FP, Lulabelle, LWAP & Nintud (i think that's everyone) thank you for popping in on me. I had a really long day yesterday as I really was feeling quite out of sorts. I dosed up well enough that the headache went and my sore throat subsided but the tiredness was unrelenting all day. I was also having heart palpitations from the cold/ flu tablets as they had caffeine in. I really struggled as I sat through training, then one lesson after another (all GCSE - OMG it has been 30+ years for me since I did that I couldn't remember ANYTHING). English is my subject so that was fine. Maths............ I will leave it at that.  

-And actually going back to the English....I do not ever remember needing to learn the likes of half the grammatical terms I had to sit through yesterday and learn. I can construct a sentence well enough, I understand what to put where etc. why on earth do these learners (esp those really struggling with it) need to learn what Onomatapoeia, hyperbole, indefinite articles etc etc etc is......I even asked my friend from school...was I just absent that day and we did learn what these things are ?? Nope she replied, we were just taught how to write properly without wasting our time on learning these terms. I feel like it took all the fun out of it no wonder my kids don't like English as a lesson any more. Anyway moan over.

Nintud, of course you're right!! My brain hasn't been working well this week, right when I need it to be functioning and I feel all discombobulated with this cold. But yes! - the extra hour is of course lunch, d'oh! I don't have my timetable yet so I have no idea what is on it, but if yesterday was anything to go by it was non stop. I did the same English lesson 3 times, and the maths 2 times. I am finally understanding Prime factorisation at the grand old age of *ahem* old *ahem*.

I asked for today off as I was so tired yesterday, I feel like they knew I was hiding a cold because I kept getting a tickle in my throat. However, half the office were sneezing, blowing their noses and coughing so I wasn't alone. Lulabelle, I think it is just a head cold (fingers crossed it doesn't turn into anything else) I don't have any aches and pains elsewhere and no hot cold shivers like I usually do if it is anything worse. They weren't really bothered when I had my day off this week as I am just shadowing, doing induction courses etc so I said I would take today please! So I have one more day left this week but at least I get a R&R day in between. The house is quiet, kids packed off to school with lunches and DP left last night for his official induction day at HQ of his new place too! 

I got home last night and DP had thankfully put on JP for us all. They were cooked when I walked in at 4.30 👏so I made DP & I beans for ours and salad. The kids- one wasn't home yet as he'd disappeared to town, the other was not hungry so I told them to feed themselves when they were. All they had to do was grate cheese or heat beans on a pan. That seemed to be beyond my 16yr old DD remit. She ate my GF cakes instead so a stern word was had with her this morning. DS grabbed a plain jacket potato and didn't add anything to it. - I wonder how they will look after themselves in years to come. Seriously...... They can't do anything. And it is not for want of trying. I have brought them up the same way as my DS1 and he could cook at least 5 meals from scratch by 16, put a wash on, wash up, tidy up and do some DIY like put up shelves etc. These two are glued to their damned screens all the time and quite honestly I have given in sounding like a broken record "get off your phone/computer and do this...". I think I am going to have to have another push. I might once I have settled into my job a bit more say they need to help cook once a week. And the other help with washing/ drying up. They are beyond lazy and they've always acted as a tag team against me as they are so close in age (& i relented oops). 

NEW BED!!!
Yay!! The men who delivered from CS kindly took it straight up for us!! It's up two flights of stairs so I thought they'd say no way. So it was up there when I got home. When I saw it in the CS it was in the warehouse and behind lots of things they hadn't yet processed so I couldn't actually see it very well, I just saw it was a divan and grey. It actually looks NEW! And has two drawers, is grey so neutral (if buying new I probably would have gone for cream but I don't mind the grey) and I don't actually think it has been used it really does look new, we got very lucky there for £125 (inc delivery)! Sleep last night wasn't really coming to me though, but I can't blame the bed, it was my throat, but omg I had forgotten how nice it was to not have to roll off the bed and try and get up in the night when you're half asleep so I am very happy with that purchase. 

MONEY-
Anyway moving on, money matters, the CC is paid off. I will update sig.

I paid some more over to the SBF from surveys. I have also had £8.76 paid out this morning on PP from surveys I rounded up to a tenner and sent over to the MOP - It was meant to go to the SBF but I pressed on the wrong button oops. Never mind it is being paid off something I am working towards so wasn't too annoyed with myself . My brain is not working well this week can you tell  

I have another fiver due into PP at some point. I am also working towards a £25 PO voucher. IT is only taking me monthSssssssss to do,, I reckon by payout I will have earned approx 10p an hour doing it, jolly good, sounds fair to me 🤦‍♀️ Once I hit that payout that app is being deleted!
I am at nearly £9 on jam doughnut for CB- should hit it this weekend when I go shopping. Will send that to EF or SBF. 

Next month I think I will have a look at upping my pocket money and possibly DP (although this month I did give him double anyway as I felt he'd earned it ) but this month so far, I have paid for a book for DD for school, some trips, if the kids want dinner money it comes from me, and I seem to end up buying random bits for everyone because there is no separate fund for it so I will just up my PM to cover it I think. I am already nearly half way through it and we are one week in!! 

Today's jobs because the house is a bleeding mess and I cannot sit here and look at it-

• Tidy kitchen
• wash up 
• put away
• dry washing that is currently in (in TD as it is wet out and I don't have a clothes horse any more)
• tidy through kids rooms- I noticed this morning they are both tidy and messy in their own ways. I have always blamed DD for being messy, but she routinely empties her bin and takes dirty washing/ plates etc down for me. However she has a floordrobe that makes it look messy.  DS piles ALL my plates and mugs in his room and lies when I ask has he got any up there, but he hoovers, makes his bed and dusts. I need them to teach each other the missing skills each one has
• Dining room is tidy so I need to shut the door to keep it tidy. I might make that my first job  
• Clean bathrooms quickly (i.e throw cleaner around and shower off and chuck some toilet cleaner down loo and replace toilet rolls, pick up empty loo rolls that kids like to throw everywhere and replace towels and empty bins ).
• REST & RELAX & EAT WELL.  

redofromstart

Sounds like you need to do as little as possible today though!

so with you on the DC taking the easy option foodwise.  Nice things in fridge, just heat and serve?  No, eat pot noodle.

debtfreewannabe321

redofromstart said:

Sounds like you need to do as little as possible today though!

so with you on the DC taking the easy option foodwise.  Nice things in fridge, just heat and serve?  No, eat pot noodle.

Morning Redo, I have done some housework but I am done for the day aside from re-making the bed later, although I might delegate that to DP when he's home. 
I stopped buying pot noodles/ packet noodles as the kids would get in before me in my last job and make themselves noodles, filling up on utter crap and then not eat their dinner. So I haven't bought any since the beginning of the year. Instead they eat ALL the fruit, yoghurts & crisps 🙄🙄🙄 they drive me nuts.

debtfreewannabe321

Today's jobs because the house is a bleeding mess and I cannot sit here and look at it-

• Tidy kitchen
• wash up 
• put away
• dry washing that is currently in (in TD as it is wet out and I don't have a clothes horse any more)
• tidy through kids rooms- I noticed this morning they are both tidy and messy in their own ways. I have always blamed DD for being messy, but she routinely empties her bin and takes dirty washing/ plates etc down for me. However she has a floordrobe that makes it look messy.  DS piles ALL my plates and mugs in his room and lies when I ask has he got any up there, but he hoovers, makes his bed and dusts. I need them to teach each other the missing skills each one has 
• Dining room is tidy so I need to shut the door to keep it tidy. I might make that my first job  
• Clean bathrooms quickly (i.e throw cleaner around and shower off and chuck some toilet cleaner down loo and replace toilet rolls, pick up empty loo rolls that kids like to throw everywhere and replace towels and empty bins  ).
• REST & RELAX & EAT WELL.  

Glad I kept the jobs list small I feel like this is the first list I have ever ticked all of them off so quickly. 
I have a hot lemon to drink and am catching up on diaries and still working my way through your one KK up to your aunties passing...
I have put another wash on too - bedding and whatever I found in kids rooms. 
Got a movie on in the background and just going to chill now as sore throat is making its way back. Although every time I feel it I am chanting to myself, I am healthy, I feel great, I thank my body for detoxing quickly so that I am well. It will work. It will work........ 
Got dinner out the freezer. Spag bol/ or something with the mix. Dropped it  on the floor and smashed the plastic tub it was in. Thankfully it wasn't one of our more expensive pyrex dishes. 

Oh I didn't say before....our shower in our room is broken. Just stopped working mid shower for DD the other day. So I have been up to clean it and not sure what to do with that then. It all needs ripping out really so need to work out whether it's worth fixing for now vs just using the other one and saving up for new one. 

debtfreewannabe321

Fresh bedding is on and mattress turned around! This explains why my hip was so sore this morning when I got up and why I didn't sleep well. The mattress was the wrong way round, didn't realise until I took the sheet off.

A NSD was nearly had until I decided to buy some echinacea as I am all out of it. But a LSD as under a tenner!

Dinner is out, rice is soaking. Nice quick and easy meal, I will add chilli powder and paprika to it and make it a chilli.

Both kids are home and DP is on his way back  I am well enough this evening to stay up and wait for him! Last night I was crashed in bed immediately after my dinner (and he was still eating as he took a work call right as he went to sit down!) What a rubbish birthday he had, work, me disappearing to bed and collapsing and then he had a long drive down to a hotel room with only a rubbish single bed and sat doing inductions all day! I said we can make up for the rubbish birthday at the weekend. Now that *I am well* (still chanting it every time I go to think about feeling not well )

Got lucky on some surveys today but got screened out of a few which never usually happens on pr0lif1c- usually if you get in to it quick enough before the slots fill up you always get through. Then I had one get stuck when I was about 20 minutes into it!! I was really annoyed about that so sent a message when I wouldn't usually bother. Not sure that anything will come of it but that was really irritating. It was making me do all sorts of tough tasks too like counting dots quickly 😵‍💫 Have 311 odd pending too on there but I think some will not pay because it was part of the one that I couldn't finish! 

Not really looking forward to work tomorrow if I am honest, I have enjoyed my alone time today, I think I totally over-peopled this week. I said to DP even when I was on an hour's break I had the lady I was shadowing non stop talking to me, it was overwhelming to me and it's not a wonder I came home SO tired, drained, sick yesterday. Eek. I need to get used to this or I won't be lasting very long here. Just tomorrow to get through though and then 2 days recovery. Then only 2 days on before I get a day off each time....so I hope it will get easier. Especially when I am just left on my own to get on with it myself.

KajiKita

The intensity of the peopling will calm down after the induction phase. They are trying to make you feel supported and cared about. It sounds a bit ‘once size fits all’, rather than them allowing for your previous experience. 😊

I think replanning DP’s birthday for the weekend when you can all focus on it sounds like a good shout. Hope you rest better tonight now the mattress is the right way round 😊

KK

debtfreewannabe321

I'm sat outside work ... It's actually still nice out and only needing a cardigan at the moment which is nice. Slept better last night 👏🏼😁 DP is the sicky one today complaining of exhaustion and headache 😬... hoping he brushes it off as he's got a stronger immune that me. 
Last day before the weekend but failed the nsd as I got some cough sweets. Ah well. Win some lose some. 

Looking forward to my embroidery kit coming later that I treated myself too, it's being delivered whilst I'm at work. ❤️ That's going to be my quiet time this weekend.

~FlowerPot~

I how you have a good day with a quiet weekend too look forward to.
Fingers crossed DP doesnt come down with it. X