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Living Large, on a Small Income, by the Sea.
Comments
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So do I! X2
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Perhaps tasks seem like drudgery because there is not enough other stuff going on?
We haven't heard much about your creative life lately is that part of the problem?2 -
Thanks @Tresinia511 you are right cleaning my home is self care especially as a clean, calm house is important to me. I do indeed to find a new way to think about it. Thank you for your honesty

Thanks @beanielou and @BalanceBy50 for the endorsements
Thanks @PennysIntoPounds glad I made you laugh. The bookcase comes on Friday. I am excited by it too!
Thanks @jwil I think 'chores' is better terminology. And yes, like saving or getting rid of debt, cleaning the house is something my future self thanks me for
Well thank you @WelshmansDaughter I think you have hit the nail on the head. I am busy, but it is the wrong sort of busy. I am not being creative, and when I am not being creative everything else feels like a bit of a waste of time, especially chores. I have shifted my attention lately to getting money in and that has worked. But I saw myself creating so the next bit of my life by the sea is to shift again to include creativity...lots to think about..
MSE wise I had a NSD. I also sent another item I bought in the sale back.
I will be back with a plan and a better attitudeIf you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20259 -
TADA and not To Do
Kitchen decluttered and cleaned
Bedroom has gone from 3 chairs to 2
All clothes ironed, rolled and in drawers
Moth capturers ordered
Parcel returned (PO)
A walk into town
Bought fruit
Healthy food made
Found important medical letter
FROG email replied to
Financial reconcile
Hoping everyone is having a good day
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 1400/1000
Buffer fund 100/100
Debt Free (again) 25/07/20256 -
That’s a great amount achieved.
I get knocked down but I get up again (Chumbawamba, Tubthumping)2 -
Great ta-da list, well done
https://forums.moneysavingexpert.com/discussion/6466032/an-in-between-phase/p1
'aggressive safety shot' Ken Doherty2 -
Loads done, well done!
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
Wow I'm dizzy just reading that list, seriously well done
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Woohooooo! Well done!
Debts 04/01/25 04/05/26
Natwest2 £6,509.97 £3,775
NatWest CC £7,612.74 £6,125
Lloyds CC £6,112.60 £3,897.12
1st Direct CC £176.03 £35.71
CC total £20,411.34 £13,832.83
OD £1100 £0
Car loan £4,000 £3,400
1st Direct Loan £10,684.44 £6,745
Total £36,195.78 £23,977.83
EF £1,800
HF £272.113 -
Your list is very motivational. More so to write it down after than before. I'm new here, so just saying hello.
Updated last day of the month… focus, improving overall net wealth…
Mortgage: starting at -£222,469 (Jan 26) now at -£221,205 (May 26)
Postgrad Loan: starting at -£8,974 (Jan 26) now at -£8,015 (May 26)
Personal Loan: starting at -£11,466 (Jan 26) now at -£10,689 (May 26)
Emergency Fund: starting at £5,511 (Jan 26) now at £2,529 (May 26)
Investments: starting at £50 (Jan 26) now at £658 (May 26)
Jan 27 Tax Fund: £1,621 / £3,298.
Net Wealth: starting at £18,778 (May 26) now at £18,778 (May 26)
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