Road To Financial Recovery

ArtyJ931

there is often a way, but it takes some thinking about for sure - I changed jobs and took a pay cut about 3y ago to get into an org I wanted to work in as a priority (LA) and within a year had been successful in applying for an internal job with a 10k pay increase that took me well over my previous salary. I did a side hustle in the mean time (aka second job LOL).

it all takes a lot of thinking about which is the really tricky bit when you’re up to your eyeballs in work every day IME

FootyFanDan

@daisy_1571 I did used to want a career, but that spirit was killed during my last role. I now feel like I want to get to a point where I am happy to work as much as I need to during my working week, I just can't keep having it take up too much mind space outside of work. I will get there with it, and I am anticipating that will become a little easier over the next few months.

@ArtyJ931 I promised myself that when I left my old role (which just took everything out of me) that I would never get back into a position where I become relied upon as much as I did then. I don't mind working hard and if I'd been told I would be getting the salary I am now even 5 years ago I would have laughed, but I am starting to understand why some do stay at a level that comes with very little stress, although they are potentially trading that peace for a lesser salary. I did once get offered a role that would have been very stress free but then I thought I would be bored 🤣. I guess I am hoping that once stuff settles it will be manageable, failing that I need to make a decision long term. For now I am managing to just keep my head down and getting stuff done. I very rarely change jobs and rightly or wrongly often stick them out way longer than I should. I worry that I am just not in a position to just be able to walk away right now. I want to be able to have options, I am not at the point where I was at my last job but I just don't like feeling like I have no time in work to fix and do things coz everything is just urgent. I maybe put too much internal pressure on and worry too much about what my colleagues think if something goes wrong

@Dakota_Rose 100% my old role was like 25k less than I am on now and to be honest if I am looking back my old role was super stressful and took everything out of me. So I don't think it is all bad, if I am looking at it logically I am in a good role the work isn't too bad. The issue at the moment is that there are so many complaints and everything is just urgent so I guess it isn't the job I don't enjoy but the current situation of I know how to fix stuff but I am not given the time to do so. I think this is why I am not pushing like crazy for an out, in that I know I can do the job. I just need to be a little bit more open to not been on work 24/7. I have very little hobbies though which often means I am ending up working when I could be enjoying other things. I have noticed my attention span lately is drifting,I used to be able to just relax and watch films and tv shows but now not so much

daisy_1571

I bet your attention span is lacking as you are currently not used to being able to just do one thing for an hour. Even at home you'll be subconsciously thinking no point getting involved in this, I'm going to be doing something different in a minute just becauseyou spend the majority of the day like that and your brain us still in thst mode. I know I would be concentrating on something, somebody would need my help, go help them, during that id get interrupted again with something urgent, deal with that, onto a 4th thing then I'd have to unpick myself back finishing off all that back to what I was initially doing, and then in 5 minutes somebody else would need me, time after time. It stops you having a long attention span but you can get that habit back so you will manage it once work calms down (glad you're being realistic, I stayed 5 years thinking 'if we just get this next bit out the way well be back to normal and get stuff properly sorted'. Every month. Eventually I had to realise that there was no normal, the crazy was normal. I only realised when I was off sick, up to then I didn't have enough free brain cells to think about it logically. Dont be like Daisy! Keep an eye on yourself)

Dxx

FootyFanDan

https://forums.moneysavingexpert.com/discussion/comment/82058697#Comment_82058697

This is pretty much how it is in the office it is just constant interruption. I have actually just been given permission to move back to the other office (which is quieter, well nicer environment) so I am hoping this can help.

FootyFanDan

A pretty chilled Sunday. I have managed to have a bit of a lay in, then a breakfast. I have finally cut the grass, I should have done this last week but was so lazy. The rest of the day will also be lazy, I am going to try have a chill gaming afternoon I think.

Food spends this week were over what the budget was but this was likely due to buying a few extra health bits that we would't normally and also a bit extra gluten free stuff for daughter. I will need to top up petrol tomorrow. Finance stuff seems to be ticking along nicely so I am keen to keep a good eye on it…although I really want to book another holiday 😆. We do need to do stuff in the house first though, I really would like to travel more.

BlueJ94

Transfer TUESDAAAAY!

FootyFanDan

https://forums.moneysavingexpert.com/discussion/comment/82060860#Comment_82060860

🎉 can’t wait to do the transfers haha. It’s like a little ritual now 😊

FootyFanDan

It has been a pretty slow start to the week, two days done and dusted. I've put together a list of my critical to-do's and I am slowly working through them. My emails I am trying to work through from oldest first and then just doing that and moving on to the next. Anything urgent I am sure I will get a call about 😆.

Today's Transfer Tuesday has brought a pretty drastic move…so due to how the pay has landed I have a bit extra to put away this week. So I am going to add £75 to emergency fund and then £75 to the lifetime ISA. This means that by adding the £75 to the emergency fund my total across all pots is now £1,000 🥳…so being the impatient person I am I have emptied all my pots into the emergency fund which means I have now hit that £1,000 target!. I will slowly move my focus away from that and will now work out what I need to fund and when to then set savings targets.

Current Savings

Emergency Fund - £1,000. First target has been hit, this will cover anything emergency wise that comes up whilst building up other pots.

Investment account - £252.00. This is slowly being funded but progress is being made

Lifetime ISA - £200. This will get funded as and when we can, but I am keen to fully fund this to get the bonus.

I do need to figure out so proper savings goals for the pots, but I feel comfortable at the moment with the savings we have managed to put together. Another savings we have is from the family allowance, we don't really count this in our budget and when we get this we just put it in a savings pot and this is then used to cover any stuff needed for daughter this has recently covered a new school leavers hoodie, emergency order of new shoes, new drama outfits so it has really come in use.

Dakota_Rose

Congratulations on the first £1000 EF 🥳

That seems to have come together so quickly.

daisy_1571

yaay, happy first thousand. My granda used to say its making the first million thats hardest 😁. He was right of course but it equally applies to the first thousand. Because you now have that safely tucked away, it will be easier to start on your next target

D x