Road To Financial Recovery

FootyFanDan

The gym was a little too busy for my liking I had expected it to be a bit quiet at 05:15 lol. I think my preference is maybe go for a stroll in the morning to get my daylight hit and then gym a few nights a week.

the weekend should be lovely - I’m at footy today and then tomorrow we’re off to an airshow so hopefully enough to keep my mind off work 😊

FootyFanDan

We had a lovely weekend and it was so nice just to switch off but Monday definitely Monday'd today! I feel worn out today and a little overwhelmed. I always get like this when I have a period of annual leave coming up. My first job in the morning is to put together a list of what I need to do. The old me would work through night and to pure exhaustion but not this time. Lights out now and attack it again in the morning, but today felt like one long day of unproductive mess.

Tomorrow is at least transfer Tuesday…every cloud :D

DancingInTheRain

Well done for not working through the night, breaking that habit will definitely be beneficial to you. I hope you get some rest & quality sleep in readiness for tomorrow.

Bring on Transfer Tuesday 💪

FootyFanDan

https://forums.moneysavingexpert.com/discussion/comment/82098820#Comment_82098820

It is an habit I am keen to break. I knew there would be some extra hours needing to be thrown in this week and normally I would happily do it, I just think yesterday was a bad day overall so couldn't be bothered. I really shouldn't put so much pressure on myself, but knowing no-one is going to be picking up my work while I am away is making me nervous.

FootyFanDan

Another tough one, but we are nearly half way through the week and one day closer to annual leave 😀. There needs to be some serious thought on what we do moving forward. Do I stick for money or do I leave for less but potentially be a little happier with stuff. Anyhow that is for another day. Transfer Tuesday!!!!!

Lifetime ISA - £100 has been moved into this pot. This is now showing at £361.45 but there is £25 bonus due to add on to this in August and already shows £25 bonus will be paid in September. I know this is only small bits but it is slowly going up.

Rhyddid2026

Dunno if it helps but I've got two dates in my head for when I re-evaluate the current all consuming job. One when I reach a certain debt repayment figure (when I've got the debt down to 18k, half of my starting debt, and when I want to allow myself to slow down if I want to) and another when I've done the current role for 12 months.

Having that in mind is helping me to keep going because it doesn't feel like it's all or nothing, do this forever or make a massive change. At those points I feel like I can leave knowing I achieved something and I gave it a good shot. It also feels like I've got an eye on an exit if I need it.

Hope that makes sense.

FootyFanDan

Morning and happy Wednesday, up and ready for follow up doc's appointment and then a day of meetings. I am back at the busier office today so not sure how that will go after a few weeks of hiding away in the quiet one 😆. Last night I spent a few hours going through my current work commitments and trying to make sense of it. I have had severe task paralysis this week where nothing seems to have moved forward. I seem to have spent two days replying to emails and the constant pinging of teams.

@Rhyddid2026 I think in my mind I am trying to push through until my annual leave and then see what happens. I think like most I am not in a position to just leave. My notice period is 3 months so that does give me a bit of time to build up enough cash reserves to get me through. There is another job opportunity that is in the background but that hasn't quite come to fruition just yet so I am confident that if I just play it out it will work out. However having said that it is absolutely draining the life out of me for reasons I can't explain even the simplest thing is annoying and maybe this says more about my current mindset than the role itself. The reality is I would need at least to massively bolster my emergency savings. So although I know in my head I can't just walk away, I know I want out I just need a proper exit strategy rather than quitting on emotion. I think for now at least I am waiting out but at some point it does need to give,

PS I hope you are doing okay :)

daisy_1571

I'm not sure if you have debt or are just used to living up to your wage but from what I remember you have a very good income coming into the house. Is there any way you could pretend you have a more basic income and salt the rest away? Rather than making savings a 'choice' I mean. That will help build up funds quicker but also let you see if you can survive on a smaller income to the family pot.

Sometimes that will show that you absolutely need that income, sometimes it lets someone see how much extra they have above basic needs and sometimes it lets folk relax a bit knowing if it becomes too much they can pack their desk up and walk out that minute.

No idea if that helps

Dxx

FootyFanDan

https://forums.moneysavingexpert.com/discussion/comment/82100127#Comment_82100127

We absolutely just live to my wage, and should we need to reduce things we could do it. I like the idea of living as if we had a reduced income and stashing that extra away to build up the funds quickly. My income is really good and more than I've lived on before, so it is something that I need to assess. Ideally I stay put until I find somewhere else. There are some pretty silly decisions been made at a management level tbh which is making mine and a few others jobs really difficult.

We've always tackled any income level we have had and adjusted as required and we've always supported each other. I do think it would be nice to think I could just leave and it be fine. We have been at the lowest of the low so it is nice to not have to worry about money as much at the minute but at what cost.

Dakota_Rose

I can relate to a lot of what you feel about your job and having lived as a family through different wage brackets. We still look back at one stretch of time with shudders - we were so stressed just trying to make ends meet. I don’t want to go back to that but also, don’t want to be so stressed that I can’t enjoy the income we have coming in. In my case, there are things that I really love about my job but the hard days are incredibly hard. It’s those days or weeks that feel unsustainable at times.

Maybe you would feel better if you could map out an exit strategy. Things might improve and you won’t need it, but if not you have financial backup to move to something else or step away completely for a short while?