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

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Comments

  • MillQueen
    MillQueen Posts: 535
    500 Posts Name Dropper Photogenic
    Forumite

    Thank you, @ellenvan, @southern_chick, @in_need_of_direction.

    I think they are just wanting to keep staff, as she'd have probably thought I'd start looking elsewhere if I was having to pay for training myself. We have had people leave due to that sort of stuff before.

    I'm really glad I don't have to throw my emergency fund at it or get into more debt. I think I am going to prioritise getting a mattress for my bed next as I am still on the futon on the floor.

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£7,100 (Oct 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£9,200 (Oct 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,600 (Oct 26)

    Jan 27 Tax Fund: £2,750 / £3,298 (Oct)

    Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)

  • MillQueen
    MillQueen Posts: 535
    500 Posts Name Dropper Photogenic
    Forumite

    I popped to the supermarket on the way home to get a hair product I had run out of and got a few yellow sticker things. Fridge raiders, bacon, apple slices, various bread things, cheese.

    Celebratory bacon roll at 8pm.

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£7,100 (Oct 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£9,200 (Oct 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,600 (Oct 26)

    Jan 27 Tax Fund: £2,750 / £3,298 (Oct)

    Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)

  • Brilliant news on the funding! 👌🙌🥳

    'Happiness is not a destination but the journey you walk every day'

    GC - October: £39.94/£350

    Debt neutral fund - 3/45

    'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'

  • MillQueen
    MillQueen Posts: 535
    500 Posts Name Dropper Photogenic
    Forumite

    Thanks @leftatthetrafficlights

    I appreciate all of the people on here - we are really living through the highs and lows together 😂

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£7,100 (Oct 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£9,200 (Oct 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,600 (Oct 26)

    Jan 27 Tax Fund: £2,750 / £3,298 (Oct)

    Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)

  • jwil
    jwil Posts: 23,964
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    Fantastic news on the training!

    "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 McGee
  • MillQueen
    MillQueen Posts: 535
    500 Posts Name Dropper Photogenic
    Forumite

    I actually really enjoyed my simple meal of roasted sweet potatoes and a toasted sliced up pitta. Both of them were yellow sticker items, which were less than 50p each, so the entire meal was less than 30p.

    I am trying to have a read of a free book on Borrow Box but my concentration isn't good today, so I have started watching some youtube videos instead about minimalism and living on a low income.

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£7,100 (Oct 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£9,200 (Oct 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,600 (Oct 26)

    Jan 27 Tax Fund: £2,750 / £3,298 (Oct)

    Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)

  • MillQueen
    MillQueen Posts: 535
    500 Posts Name Dropper Photogenic
    Forumite

    I have made a deal with myself that today must be spent productively, whether that's getting some of the work done that I need to do (there's a big list) or I can otherwise do work for the house, e.g. putting laundry away or cleaning. If I really don't want to do those things I can read a book as a back up, but not just idling around listlessly because I'm tired, as it's not restful and will make me feel worse and things will pile up more. I've sorted the bins and done a bit of washing up, put some clothes in the washing machine etc. It's time to get a work task ticked off - I am allowing 1 hour max and setting a timer. I've got 2 liters of water. It's a binaural beats job this one and at least I can't spend money whilst occupied! 😁

    Updated last day of the month… reducing debt and improving wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£7,100 (Oct 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£9,200 (Oct 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,600 (Oct 26)

    Jan 27 Tax Fund: £2,750 / £3,298 (Oct)

    Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)

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