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CrazyBee wants to be Mortgage Free!
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I have just done a little calculation of regular spends over the last 6 months:-
These are the averages for each item I have spent over the last 6month per month, for example my budget for groceries was £50 per two weeks, however I have been spending £86.06 every two weeks.
Snacks and take out should not be there, which means I could have saved £1006.80 over 6 months!
Budget for fuel is £40 per month which is close at £42.51 (I imagine some of this is snack spending, so not accurate!).
Ones to cut back are:-
1) Snacks
2) scratch card
3) Groceries
That will be my mission going forwardXX
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I need a bit of direction this morning as I get myself together for the day, what to do? There are a few things to add to the list:-
1) Change bed linen
2) put wash on
3) clean bathroom
4) Take back old books and get new books at library!!!!!!! This must be done today!!!!!!!!
5) Go to MDs and see if I can help with anything.
6) Prepare chicken.for dinner
7) potentially make flap jack with oil or see if MD has any spare butter?
8) write.
9) search for jobs & apply.
10) Prepare for tomorrows interview.
The list will help me focus today, I can't go to the library until 09:30, so I can tackle the other bits of the list first then go to MDs after and do whatever else is left after.
sometime later... I went back to bed and got up for the library at around 9/9:30 I don't feel my shiny best tbh ever since I have been doing stuff through the week last week, my hectic week, I have felt tired and a bit sick. I avoided the bakery and getting a breakfast bap, I didn't have anything except a coke at MDs and I didn't go to the garage or shop on the way back so a real win, plus I paid in all my cash and loose change to my bank account, so my bank account will look a bit healthier by a few pennies at least and the odd pound!
WOE...I have just received an email & phone call I have reached second stage interview and I am the only candidate, it is for local job, good money, lots of varierty and areas to learn, I think this could be the one! But lets play it by ear and see how tomorrow goes. It is a shame I feel sick!
Have a good day allXX
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Hi CB well done with 2nd interview and you are doing well with getting your house organised also . Maybe this morning you haven't eaten enough hence the sick feeling ? Maybe some plain toast might help? X0
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Good news on second interview. Positive vibes to your self.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Whoop, hope you’re feeling better - fingers crossed for the jobSealed pot challenge 822
Jan - £176.66 :j0 -
Newstartforme said:Hi CB well done with 2nd interview and you are doing well with getting your house organised also . Maybe this morning you haven't eaten enough hence the sick feeling ? Maybe some plain toast might help? Xbeanielou said:Good news on second interview. Positive vibes to your self.dawnybabes said:Whoop, hope you’re feeling better - fingers crossed for the job
Thank you all, I really appreciate you all coming on here and cheering me on like you have, it is all very encouraging. I will do whatever it takes to get this job and stick it out for the long run. I know I can do the job they know I can do the job, it is just I need to please on another level. I have done washing today and in the wash is what I want to wear, I am going to wear one of the newer dresses/ tunics and have a shower with all the areas cleaned and scrubbed up!! facial, plucking and general hair management goings on 🤣🤣🤣 I'll find a nice necklace also. I have my file ready with certificates in plus the questions I am going to ask plus cv and address. I am almost ready!
Have a lovely evening allXX1 -
I have been naughty this morning with a bacon butty, I felt it was needed honest! I feel pretty good now! Who knew bacon was a cure? 🤣 I am going to head out early today at 11:30 to get to my potential new office at 13:00 Hrs, I know it is early but I figured better to be early then late and I won't go in until 5 to 1! Also it does take a while to get there, but don't worry it should normally take 30 mins, I just want to make sure nothing gets in my way as a lot can happen in those few miles. Also I want to trial the satnav see which route it takes me. Scratch that I am going on main roads, the way I know, I may actually leave at 12!
EXCITED - I did a little calculation and if I stick to circa £500 spending money (including food and fuel) I will have £1200 left over lolly at the end of the month, wowser! That will be the most I have had excess ever, even living at home I never had that much! I could literally swim in the stuff, if that isn't enough to make me get out of bed, I honestly can't think what will?! Also This year I could almost put together my full EF which I have been aiming for for the last 10 years at least! This time will be different I am sure...this is it! I will put together EF pay off mortgage and save £50K in premium bonds, Plus occasional holidays tooXX
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I haven't got the job yet and there is room for doubt, I have been to the interview, I answered honestly and as well as I could it wasn't pitch perfect hence the room for doubt however I did give it my best. They said when I was there that it would never be remote so that dream has sailed (don't worry I didn't ask the question), but you know what it was not too bad to get to, the office was nice, there was a pool table in the office. I guess I have a little concern that I make the same mistakes as the predecessor (I think she had the chop), but now I have some experience where I did well I am sure I will sail through. If I got the job I would get on to the Xero software and re-learn it and what it can do.
Also I have rejigged the spare room and I don't need a carpenter, I don't know why but every time before I put the bed up along the wall it never fitted, I must be going mad because now it does! Honestly I don't get what happened! Now it is just the floor is on show and a bit of a mess, I did put a rug over the area. I am still undecided as to whether to cut down half the cupboard, I think it would still make a better space of the room so I think I will get an actual carpeneter to come and do it, as I think he would make a better job, the guy I had got coming is not an actual carpeneter and I changed my mind. Although I am a bit of a swine for changing my mind as he had just pulled up when I did he was a little upset! I think I will email that guy and ask how he was going to do it etc and what experience as his quote was quite a bit less. And I am really not happy with the layout still!
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I am thinking that because there is no news, then it probably is not good news just a thought! Gosh I really thought that I had it in the bag, I guess I am supposed to live on a mean budget for the rest of my life! At least I have my good mental health, some family for now! and generally my health, although I have health problems they are being successfully treated and therefore I am okay....for now!
I know I may still get some good news, but the fact is it went so fast, I was expecting an equally rapid response. I had the first interview 12 on Thursday and second interview 13:00 on Tuesday, I guess looking at that rationale I may hear back tomorrow, I had visions of starting tomorrow. It is not a dead donkey until it is flogged...gosh that sounded grotesque!
Tonight I have treated myself & Roomie to Cod & chips, I have spent way more then I should have today on CRXP mostly I need to reign it in fast if I am to live on a shoestring, therefore I am putting a stop to this madness and eating more sensibly tomorrow, If I am hungry I will make marmite on toast, I am also planning to make flapjack. I think I will cancel groceries as I just need a certain amount to get me through the next two weeks from Sunday, I will plan all that I need to buy to top up and just get those things restrictively which should be less then I currently have on order. This is how I recoup today. right to the calculation stations...
I have rejigged finances all is well I have now £20.45 to spend on groceries up until 24th August, that is not too shabby considering I have stuff in. XX
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lets not count chickens until they are hatched! today I want to get a lot of jobs done that I have put off because of interviews and getting the place organised, therefore a list is needed:-
1) Change bed linen
2) sort washing 1 & 2
3) Put wash on
4) Clean bathroom, tighten toilet seat.
5) meet with carpenter today at around 10-11am
6) make flap jack
7) Clean kitchen
8) search for a job
9) write
10) Go to library again and look for book.
11) Only spend money if I get the job, even then consider not doing. FAIL!
12) Take tent over to MDs
13) Pick up tiles from MDs.
14) tidy and sort office space
15) Do Bins
There is a lot to do, however I am taking MDs advice and taking it easy as I still don't feel good. The list will still be there tomorrow. Have a good day allXX
Sometime later... I didn't get the job, I remembered I said something stupid, I said I had a load of lab jobs previous which were not on the cv prior to accounting, which was not smart but the reason they didn't want me is because I said I don't undertsnad big long formulas in excel, apparently they had a spreadsheet and they wanted someone who could do it already, forget the experience I do have and the qualities I do have, one of the aspects of a much bigger role and I couldn't do it. Never mind I think MD was right this time it was really because of my weight, they think because I am fat I am lazy, which I don't think I am. I am sad. I will get on with my list, I have another interview at the end of the week but I don't feel all that excited I was rejected the last time they interviewed me, it is strange I have another chance at it, either that or they didn't know and the peeople have changed, perhaps I won't mention it. I don't know what is wrong with me I keep saying things that put people off, it is like I am employment detterent. The funny thing is, when I am established in a role I am quick and very conscious of everything I do I have a good eye for detail and I am good at work. Maybe it is the people skills I am lacking or a brain cell to stop me from saying stupid things that don't look good. Why did the man that rejected have to smile when I was there, I thought he thought I was good but he was the one who rejected me, I guess he thought right I am not having that fat lump here!
By the way the chickens have hatched and they are rotten!0
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