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

debtfreewannabe321

I've got £6.15 waiting to be cashed out on surveys but I changed my PP account so can't access it yet - have to wait 3 days! Perhaps the other £3 odd pending will have cleared by then too. 

Looking at my budget tomorrow to see where I can pull money from to get us through to the 1st (one more shop needed in the month- but I might be able to make it a cheap one using freezer stuff) and I will try and mock up a budget with my payslip and DP. His will be his first full one since starting and mine is just a partial one still (albeit better than expected). Last one before xmas too so need to are that in mind - well technically we both get paid again before christmas BUT we are trying to spend and budget from the 1st-31st so we don't want to touch the money just before xmas. We have also set ourselves a £30 spend on each other for presents....so I will have a think about what I can buy DP. The kids...DS1 I will get gift vouchers (already got him and DDIL stocking fillers and a vinyl) DD & DS2 are at their dad's house so I believe that entitles me to a cheap christmas like the ex usually does- right?! In fact DD has demanded that her dad copy how I do xmas and will not be impressed if she gets there and no tree is up and no presents have been bought (yeh she's a little bossy but I think it was mainly said in jest- although I bet she was serious!)...so good luck ex....that involves a xmas eve box, new pjs, new movie. Stocking fillers and at least 4 presents. As well as the tree and decorations and lots of food I am quite looking forward to ours without the kids actually haha. I think a takeout for xmas eve, basic roast on xmas day and lots of chill time that about covers it I think. 

So glad it is my day off tomorrow. I intend on doing the bare minimum. I think I feel so tired because for a few weekends now we have been working so hard on doing the garden and getting the basics done before frosts that our weekends have disappeared and we haven't actually felt like we've had a day off. So having a rest day tomorrow- my muscles are still so achy from gardening so I have had my workout for the week anyway  

debtfreewannabe321

Morning all, I have £15 waiting to be cashed out on surveys now and still can't access it until tomorrow perhaps by then the other pending bits may have gone through. 
Also trying to figure out how to change the PP account on another survey site. -DONE, have a fiver on it's way.
I am soooo close to pay out on the biggy I have been working on...I am at 2100 points and 2500 points is payout for £25. I will keep chipping away at that one. It is very tedious and doesn't pay well but I am so close now I will carry on until I hit payout.

My friend is coming over today for a catch up so I will run the hoover around and switch heating on higher as it's really cold today here- in fact might just put the log burner on, it's not like I have a shortage of wood to burn now is it . I have my sad lamp on which is helping to brighten the room up. I put it on last night and it really helped with my tiredness- I seem to have a slump in energy the minute I walk in from work. I was blaming it on work but actually when I get home the sun is just going down so I think it was more to do with that. 

Perhaps a NSD today, depends if I can be bothered to walk to the shops for DD as she has run out of her beloved cheese she eats it like a mouse in a cartoon would. She'd have it for every meal if I allowed it....

DP has gone off across the country for a meeting. Hopefully all the roads are clear. I collected the kids from school yesterday and gave their cousin a lift home too as it was absolutely freezing by the time they came out and pitch black. We got stuck behind an accident that happened right in front of us. Caused absolute mayhem but we were able to zip round them quickly and get off (I didn't actually witness the accident as I turned round the corner it had just happened and someone was jumping out their car to shout at the other person I didn't need 3 kids witnessing that...). Anyway, that is what a teensy bit of snow on the ground did here...so hoping the roads are clear cross country

The sun is out today! So maybe the snow will melt? Or are we due more 🥶
I am off to enjoy a peaceful cuppa on my own, start the fire and just enjoy some quiet time before my friend gets here. Bliss........haven't had quiet time in weeks just by myself!

HotDog2020

I hope you enjoy your time of peace. Enjoy!

debtfreewannabe321

Aw thanks hotdog, I had an hour to myself. My friend turned up after that and we had a really good catch up. She has also started the ball rolling for possible fostering for myself. I didn't realise how intrusive the research into your family is though. I am unsure if we will be able to proceed as DP's ex and children are unlikely to even respond to anything to do with it and apparently they need to be contacted to. Never mind be kind about him. We'll see though, if it's meant to be it will be...it was initially my friend's idea too so be interesting to see what happens and if we can get around that at all...my children have known DP since they were 9&10 so perhaps they can just vouch for him? Not sure. She knows me and my past well and thinks I would be great at it but you do have to get past panel first so...

Anyway in money matters, I have £20 now pending on pr0l1ific. Can't cash out till tomorrow. 
I am so nearly at the payout for the £25 PO one. I won't be doing any more though once I hit that payout. Pay is too low and surveys too long. But I started it so I will finish it.
Got £5 paid out on another one too, that takes a couple of days to hit the account though. At the mo I am just putting all this across to my cah00t account which is EF & SBF mixed. 

Trying to figure out YNAB again. Sigh. I wish I were more like some of you on here who 'just get' spreadsheets, money and numbers....I really struggle with it. I have figured it out now but I wasted an hour on it.

NSD *woop* 🥳 (too cold for cheese sorry DD).

Hoovered the downstairs today and tidied a little but have done not much else all day aside from sit in front of a roaring fire thanks ex woodhoarding owner, I appreciated you today.

Also reading KK's diary I realised I have actually manifested lots off my vision board that I put on there for my new job. Having been 'mum' 'wife' and 'homemaker' for so long I didn't really know what I wanted to do hence the last two disastrous attempts at working (both supervisory albeit in different types of jobs - one in education and one in retail)..when you have no job history and the way you made some money was a bit of this and a bit of that (lots of volunteering with expenses paid nowt dodgy ) and 'landlording' I had no recent experience in the job sector and no references to get a decent job....and this new job is kinda supervisory too I guess in the fact I supervise certain children (got a telling off from them for saying this ) young adult learners in class but I am with lots of different groups throughout the week. Some of health issues (seizures among them- I see why they put me on the 'how to administer midaz01am' course now), some MH, some behavioural and I put on the vision board- I want variety.

I also put on there I want at least one day off a week and good holiday time- I work term time and only 4 days a week and I am just under the threshold for being taxed. Which isn't great if I was desperately needing lots of money but I worked out what I needed to bring in to make a difference and it is exactly the minimum of what I put on the VB. And I lose nothing to tax, I call that a win. I also put on there a happy, supportive work environment as the last place was toxic as h3ll. This place so far ticks that box! So I feel quite happy having pulled the VB out to check... other bits I had put on there that also have come round for me... *sense of fulfillment from helping others, *part time work so I can have time for me and hobbies, *work with people who align with me- I had a talk with one tutor yesterday and we had lots in common which was nice and I have been invited out on a night out already, although tbh I am not bothered about going. I have kind of outgrown getting drunk and wasting all my money on an okay night out in the pub (did it way too much in my 20s I think- thanks mum & sis for babysitting back then.)

I feel in some ways like the universe pushes me to work with children, my degree was always done with the aim of me being a teacher, but well, 2 babies later ( and one tween already) I resist it sometimes but actually I am happier working with them than I was in retail with 44 year old grown men who acted like children, at least the children have the excuse of, I am still a child

Right suppose I ought to feed the kids, the last one has just come home from school so I suspect they're hungry. 

HotDog2020

Being able to talk to children and help them and be that person is a needed person and very important, you are making the next generation better by being there and being your helpful self, don't look down on yourself a teacher is a very stressful job, well done to those that can, I also wanted to be a teacher when I left Uni, but because of my mental health diagnosis I was told it wasn't an option, not viable. It doesn't mean you are less of a person, you are making it better for teachers so their burdon eases, and not only that those children will benefit from you. You have motherhood experience to bring to the table, another thing I don't have. Very valuable, look on yourself as a miracle to others that could be instrumental in others lives. Well done and keep going. HotdogXXX

debtfreewannabe321

HotDog2020 said:

Being able to talk to children and help them and be that person is a needed person and very important, you are making the next generation better by being there and being your helpful self, don't look down on yourself a teacher is a very stressful job, well done to those that can, I also wanted to be a teacher when I left Uni, but because of my mental health diagnosis I was told it wasn't an option, not viable. It doesn't mean you are less of a person, you are making it better for teachers so their burdon eases, and not only that those children will benefit from you. You have motherhood experience to bring to the table, another thing I don't have. Very valuable, look on yourself as a miracle to others that could be instrumental in others lives. Well done and keep going. HotdogXXX

Ah thank you 🙏🏼🥰
For the most part I love kids. However the last job tainted that a bit. I've never seen such unruly ones all in one place. I felt like I worked in a borstal not a school.

debtfreewannabe321

P s don't feel quite so bad about them now 🤣 the memories of that place are fading.... (Thank gawd)

debtfreewannabe321

Not a NSD today I bought a new paper version budget book. I love to have both digital and paper versions on the go. Paper helps me to plan ahead whereas YNAB only really lets me work with the month I'm in. And as I get paid tomorrow I want to start working on next months budget. And beyond.

Things to take into account next month are:-
*three klarna payments for tickets I bought.
*Diy costs for a few jobs we'd like to start.
*Christmas.....
*One birthday 
*£60 min. MOP.
*£400 sbf (if I can work it in there- Christmas may throw this out but I hope not!)
*The gas/ electric has gone up 🙄 but the water went down so I'm still slightly better off 🙌🏼😁
*We're doubling our pocket money to £200 each -1) because we both end up bailing the blooming grocery account overspends out from our pocket money every month 2) because we're worth it 💁🏻‍♀️. *To try and help this though I am finally upping the grocery budget. I officially am beat on the elusive £500 target each and every month - the only months I made it under are when I've quite literally run down all stock in the cupboard/ freezer which I don't want to do.
*Umm I may also have a £120 cost if DS decides he wants to go skiing with the school. However his response when asked was yeh I don't care. So DP says unless he shows some actual enthusiasm we shouldn't pay for it (£2k at least by the time you've added in kit) ex has agreed to go halves but I don't want to rely on it as he's done this before and never actually paid up when it came to it.

I think that's it 🤔

So anyway, because I'd ruined the NSD I decided to have chips from the canteen and a fizzy drink. It was worth it 😁 and I still have a few quid left in change from my pocket money. 

I've finally figured out systems at work and think I know how to do my reports. Which I've been putting off as I really wasn't sure on what I was doing at all.

Today has been an okay day considering on paper it's actually a really rubbish one. However I still have two hours left after lunch. But I got this 💪🏻 (I hope)😁.

I better just check my meal plan and see what's left on it too as I'm not sure. I've got around £100 left for food for the month - because we've raided our accounts to top up groceries. As we've overspent on the £500 by £74 already 😬 and one week left. £600 might actually not be enough to cover December. But that's another reason why I've upped our pocket money as well as the grocery budget. So we should be ok. And kids aren't with me for at least one week of Christmas so 🤷🏻‍♀️ hopefully fine. Right ... That's all I think. 

debtfreewannabe321

Oh good Lord, is this for real? This is why I don't read the news..... 🤦🏼‍♀️ This was a headline that popped up as I was closing my phone down 🤦🏻‍♀️

debtfreewannabe321

I've been paid 👏🏼
Now not to touch it until 1st December....