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CrazyBee wants to be Mortgage Free!

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Comments

  • Here's our first family outing and I have to warn you there are a few ZZZZZs!!!



    This is me and Jack, yes I still have my PJs on!



    This is MD and Jack, I told you there were a few ZZZs!!! but that is not all....




    This is SFD and Jack a few more ZZZs!!

    and lastly Jack on his way home!!



    -XXX-
    Goal 1: Get a permenant job that sticks.
    Goal 2: Aim 15 No spend days in January or above actual so far - 0
    Goal 3: Get a lodger
    Goal 4: Once goal 1 & 3 complete add 1K to the EF
    Goal 5: Once goal 4 complete save for my own car as I do need one.
  • Oh Jack is the cutest! X 
    🏡Mortgage July 2019 - £240,000
    💫Term Remaining (Without Overpayments) - 23yrs 7mths

    🏡Mortgage Now - £189,700
    💫Term Remaining (With Overpayments) - 21yrs 6mths

    ➰MFW 2026 #4 - £0/£7000➰

  • CrazyBee787
    CrazyBee787 Posts: 1,420 Forumite
    1,000 Posts First Anniversary Name Dropper Photogenic
    Check out MDs Happy New Year piccie she has sent out I helped her create with AI : -


    Goal 1: Get a permenant job that sticks.
    Goal 2: Aim 15 No spend days in January or above actual so far - 0
    Goal 3: Get a lodger
    Goal 4: Once goal 1 & 3 complete add 1K to the EF
    Goal 5: Once goal 4 complete save for my own car as I do need one.
  • CrazyBee787
    CrazyBee787 Posts: 1,420 Forumite
    1,000 Posts First Anniversary Name Dropper Photogenic
    I need help, I have fallen into a spending rut, I thought I would spend on my self for some comforts and I haven't really stopped I have no proper income, no job just an EF and low cost bills, which is lulling me into a false sense of security. I know all it takes for one job or for one lodger to appear and I can get back to saving, but why can't I stop myself from spending and hold onto the cash. It is like I am a super spender. Admittedly I don't spend masses, but today for example I spent £27.80 on a meal in for one (As last night I made enough pasta for three nights but instead of keeping it to myself I shared it with MD & SFD as they were too tired to cook, and I didn't want to cook anything serious for tonight so I went to M&S and splurged on a yorkshire roast dinner (christmas special) and a dessert (toffee trifle) fit for a queen, which I still have lots left and orange juice. All really good food, but not something I want to get in the habit of, which unfortunately I seem to have done. Yesterday I spent £13.00 on a bacon butty and cakes and drinks from the bakery. It is like money does not mean anything to me other then a ticket to delicious foods, everything I buy I enjoy, now I need to minimise my spending habits. 

    The habits I have are around food I eat for pleasure, I don't have many things that I like to do but eating is one of the things I enjoy especially delicious foods. I really need to be hard on myself but don't seem to have the will to do this. However I have an appointment about the possibility of cutting my meds down or to disappear altogther, as I have been feeling better lately and people can recover from the mental illness I have (Called schizo affective disorder) I think I said this a few days ago and I am just wondering if it will curb my apetite? If I do come off the meds with agreement from my psychiatrist, I lost a drastic amount of weight before, however I also ended up in an psychiatric unit the last time - but I think this time is different and I have experience to know when my mental health is not good and to go back on the meds. But I am thinking not to mess with a good thing, mentally I feel the best I have in a while but it feels like I am sensitive to shifts in the mind and well I can discuss this with the gp. At least one element of me is recovered (my mind) at least it feels like it has. 

    I think if I can come off the meds, which I now have an appointment with the GP about a referral to a psychiatrist; it will drastically change my world, to one where I can reduce my food intake and lose weight and stick with a diet. The appointment is on the 7th January, my world could change for the better, I could stop type 2 diabetes in its tracks and get back to a healthy size and be able to walk more and travel to more places, and go across the seas should I choose it. There is less of a risk this time around because I am more self aware but if I can't come off the meds, I will have to accept that I am this size for life as I am not able to do anything about it while I am on these meds. I also worry that I will be different if I come off the meds, whilst on them I have had deeper relationships in particular a special friend I want to keep and I worry coming off the meds I won't have the same connections, but I must not worry and I must try to get healtheir and better physically now my mind has healed.

    Things very well may change for me for the better and they could not, which would be sad because I am extremely big and I don't see a change to that unless I come off the meds which could either make things worse or I could be healthier and better and my life could drastically improve. I will diarise my journey potentially. The first part will be to see what the GP says whether they agree to get a psychiatry referral or whether they could supervise a medication drop themselves? This is on 7th January so quite soon.
    Goal 1: Get a permenant job that sticks.
    Goal 2: Aim 15 No spend days in January or above actual so far - 0
    Goal 3: Get a lodger
    Goal 4: Once goal 1 & 3 complete add 1K to the EF
    Goal 5: Once goal 4 complete save for my own car as I do need one.
  • CrazyBee787
    CrazyBee787 Posts: 1,420 Forumite
    1,000 Posts First Anniversary Name Dropper Photogenic
    A Happy New Year to all who pass here, may the year 2026 be the best yet for all of us. Todays No spend should be easy, owed to the fact everywhere is closed, of course there is always online shopping! (I better not tempt myself 🤣!) Not a laughing matter really, I keep having to tell myself not to buy this bedding set for £80.00 for 2X I keep telling myself get a job then get the bed set, so that is what I will try and stick to.

    I have three roast dinners in the fridge I made four yesterday, I was hoping for a lighter doing day today, so I can just put a meal in the mic for tea, there is a few chores I want to do today like washing and tidying, but otherwise I will try and do something, I have a lego set which I have half finished so I may get on and do that, technically it is not lego, but it is that type of thing, it is a vase of flowers one of my gifts from MD, I was very pleased to receive it.

    Also I am enjoying the book I had started before christmas it is a christmas fairy tale - or light hearted fiction. I may be starting to get a bit bored with this genre actually I think I may try and get a series or something fantasy maybe, I used to enjoy reading fantasy growing up and I have a feeling I would like to go back to it. I could check the numerous charity bookshops we have here, but i'll save this until I finish the book I am on (which is from the library another place I could look for a fantasy book).

    I have two possibilities with regards lodgers, one or both may view the room sometime in the coming weeks, they are otherwise indisposed right now, and therefore will contact me again lateron. There is always hope on the horizon. On that note I must prepare for the interview next week, I think I will do that today also, admittedly it is just a phone call, and therefore the prep will be minimal, but I need to look like I know what the job entails and come up with a few good questions.

    I started the day clearing up the sticky toffee dessert, I also remembered to say (White rabbits) at midnight and just after, to hopefully bring some luck to moi! Now I want to have a nice long hot shower and clear off 2025 and start 2026 with a clean bod and a relaxed mind. All the best. CrazyXX
    Goal 1: Get a permenant job that sticks.
    Goal 2: Aim 15 No spend days in January or above actual so far - 0
    Goal 3: Get a lodger
    Goal 4: Once goal 1 & 3 complete add 1K to the EF
    Goal 5: Once goal 4 complete save for my own car as I do need one.
  • Ms_Potato_Head
    Ms_Potato_Head Posts: 50 Forumite
    Fifth Anniversary 10 Posts Name Dropper Combo Breaker
    Sounds like a good plan CrazyBee, Happy New Year x
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