Turning Straw into Gold: Creating Long Term Security & A Solid Home

MillQueen

Thanks @Dakota_Rose, I am waiting to see how quickly they follow through with that, as the system of getting on the training is so badly organised it may still well reject me. Nice people, useless processes. I am suspicious and not trusting it to work out 😂.

I just read “frugality is a pay rise you give yourself” and I’m adopting that as a mantra.

MillQueen

Today I am having a chill day and doing some work. Saturdays lately have been naps in between bits of working and I fell asleep on the sofa at 6pm last night.

I am very tired 😴.

I need to buy my friend a birthday present as her birthday was last month, but I didn't get to see her then and I will see her tomorrow. I’ll see what I can find for £20.

MillQueen

Also, I am thinking that whatever I can have left at the end of each month can now go into a "repair and replace" sinking fund, which will allow me to gradually buy the things I need for my home and my glasses etc.

I am overpaying £100 each on both loans now as an auto payment and not going to worry about paying more aggressively, as that will pay both in 3 years anyway.

MillQueen

I have had my daily Weetabix and also some sweet potato fries and quorn nuggets from the freezer, so all of that was free. I’m reading a book on borrowbox now, also free. Although it’s a novel and not a book about finance and I’m really struggling to concentrate, so I may have to read one about money so I do actually finish, as I find I’m interested in little other than securing my financial future.

Dakota_Rose

At least it’s a hyperfixation that your future self will thank you for!

MillQueen

The hyperfixation continues… I found a book called "How to manage money" on borrow box. I will update with any wisdom I find in there.

I am thinking a lot about how I can scale my business to hopefully build something outside of work, as it's the only way I am ever going to get off the employment treadmill. The problem I am finding is that I am always so tired from working that it's hard to build up energy reserves to do that. I guess that's the way the system is designed… I am always saying "I'll just get this busy period out of the way first" where I am working 24/7 to get everything done, then another busy period comes before I really catch my breath. It leaves me exhausted and then it's hard to do much except cling on. And this is how my life would be until retirement.

Setting a goal: Plan and implement some other additional form of income by the end of the year.

It is a bit irritating not to be able to do this growth at my workplace, as I really want to build there and progress. But there are no opportunities to earn, only endless extra tasks for free, where it's promised that if you take on a project it will stand you in good stead for leadership and I keep doing the projects but there's nothing at the end. I think it's time to make some stuff outside and get excited about my own projects 😎.

Chocolatefund

I've started a book called 'The Art of Spending Money' which I'm really enjoying. It's by the same author who wrote 'The Psychology of Money' which is one of my favourite money books.

Dakota_Rose

Thanks for sharing the titles. I will add them on my TBR list, although I really seem to struggle with non-fiction books!

MillQueen

@Chocolatefund, this is on my to read list too, as I really liked 'The Psychology of Money', which I got from the library a few months ago. They didn't have any more by the same author sadly. If I can find a free copy I will read it, or I do buy an occasional book. I have a fiction book I am trying to read also, but I can't seem to read more than a paragraph of that anymore.

ETA: I actually have a massive evidence document I am supposed to be preparing in order to do the training at work.

MillQueen

I also put some potatoes in the oven for work lunches, but I forgot about them and they are pretty crispy.

I haven't ended up seeing my friend as she cancelled, which removed the need for a birthday gift for now. I would like to see my friend, but it will be financially convenient if it ends up happening after pay day…..

There are actually no more significant birthdays for the rest of the year now, as I only have a couple of loved ones and their birthdays are early on. So nothing more is needed there until Christmas, except for the endless collections they do at work, and I am thinking I might avoid those as it's at least £20 a month for people I don't know well and wouldn't normally spend money on. Is that bad of me? 😂