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  • FIRST POST
    • in need of direction
    • By in need of direction 20th Apr 17, 2:59 PM
    • 5,883Posts
    • 36,475Thanks
    in need of direction
    A whole new world, for now
    • #1
    • 20th Apr 17, 2:59 PM
    A whole new world, for now 20th Apr 17 at 2:59 PM
    So, hereís the new thread Iíve been promising myself for a few months. My old one, that served me so well, is http://forums.moneysavingexpert.com/showthread.php?t=4855808

    A potted history of me. Iím 49, live in NI with OH, DD and dog and DS is London based.
    Have been in debt for a lot of my life and came here post personal debt but with the aim to clear my mortgage. I believe DFD to be the right place for me as a lot of whatís outstanding on the mortgage related to consolidation of other debts. The rates were lower and I just didnít consider the payback period.
    Having been a wage slave for some 30 years, I recently jacked in my well paid and secure job for a number of reasons. While I love what I do, I hated the environment in which I did it. I regularly travelled 6 hours a day, on my own time and had to ask others to do likewise. That was the downside about caring for my clients. While I continued, and got others, to deliver at the expense of my home life, my health and my finances, the firm continued to let me. I decided that Iíd sooner have some self respect than stay there. We also had an unexpected and untimely family bereavement last year which sparked the whole ďlifeís too shortĒ train of thought. The downside is this is the first time since I was 17 that I donít have an income and itís a big adjustment.
    To address this, Iíve decided to go the self employed route, for now (hence the title). One problem though is timing. We have booked a holiday in May for OHís big birthday and Iíve decided that is set in stone. We will be travelling half way round the world for two weeks to initially see pandas and then the delights of Tokyo. Weíve only been together just over 10 years so this is really our first landmark birthday to be properly celebrated, we were still bedding in last big date.
    So, work wise, Iíve created my website, taken out a separate mobile contract and opened a business bank account. Iíve also registered with HMRC to keep things tidy.
    Otherwise, since being unemployed, Iíve had a parking ticket refunded, gained a free overnight stay following a complaint to a hotel that disappointed and have signed up for a new loyalty card for my local Co-Op. I also switched to a cheaper mobile service and got my boiler serviced which restored the hot water! First world pleasure that is so easy to overlook. I've donated two bikes to a local charity, done a number of strolls to offload donations to charity shop, claimed topcashback, £20 from PA, £5 swagbucks voucher and am trying to declutter. My last car went with the job so I realised what a paucity of local shops there in despite being only 15 mins by bus from the city centre.
    The lack of car was proving to be an issue for family and other reasons so today we get a PCH car delivered that we have committed to for 4 years. This takes us into the realm of needing to use the mortgage off set savings to fund expenses. It also gives me a minimum level of income to achieve as eating into savings bothers me.
    So, whatís the plan?
    I lodged £2000 in my business bank account at the start of March and most of it is still there. By September, Iíd like to have this repaid to either the savings or the mortgage or to have secured an income stream that will enable that to happen shortly thereafter. Iíd also like a £1k buffer in the business account to make sure that I can take advantage of opportunities as they arise.
    I have applied for a few part time consultancy type posts, been unsuccessful at interview for the first, but will actively seek out these opportunities. Iíve provided associates with my contact details but come June, I will start more actively promoting myself. Iíve sought input from my LA business support services but to little avail so far. Iíve attended a few courses and networking events and will continue with these to keep some kind of a profile and, post holiday, will be creating an event that will hopefully income generate and/or build profile.
    I will continue to seek out vouchers and deals and will try to live cheaply but donít feel I can ask this of the others in the house as giving up the job was down to me. I will also get rid of extraneous items, for cash where possible.
    What I can see is that despite living semi frugally, or so I believed, we wasted A LOT!
    Today my outstanding mortgage is £83,478.58. By 31 Dec, based on just making standard payments, this will be £78,900. My target is for this to be £75,000.
    Today my available off set pot is £3,415.43. By 31 Dec, Iíd like this to be at £5,500.
    The truth is Iíd like the first figure to be a lot lower and the second to be a lot higher but I need to start somewhere.
    We still have our emergency fund intact and hopefully enough in the current account to address our living expenses shortfall at least to the year end. Spends for the holiday are ringfenced with any left overs going on extras for all.
    I have to confess to having what Iíve heard described as an internal Verucca Salt! When I want it, I want it now. I need to learn some restraint both in terms of shopping and also sugar consumption. Itís weird but one thing |I really struggle with is what to have for lunch.
    Anyhow, now that the car is here, Iím off to the dry cleaners and to pick up some groceries as I have a £5 voucher off a £25 shop. I may also buy a new toilet brush!
    Today I am grateful for
    The support I have consistently received from here

    Company from the dog

    E Mail
    Mortgage at 01.01.14 £119,481.83 today £67373.01 target £65,000 by 05/04/19 Offset fund today £716.16 target £5,500 by 05/04/19
    Emergency fund £5,500/5.5k & £200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 5lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
Page 3
    • in need of direction
    • By in need of direction 5th May 17, 9:18 AM
    • 5,883 Posts
    • 36,475 Thanks
    in need of direction
    Afterthoughti
    I went to jog club on Wednesday. I kept pace with the group doing 18 mins of 1 min walk, 1 min jog and covered 3.1k. Was so happy about that
    Mortgage at 01.01.14 £119,481.83 today £67373.01 target £65,000 by 05/04/19 Offset fund today £716.16 target £5,500 by 05/04/19
    Emergency fund £5,500/5.5k & £200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 5lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • beanielou
    • By beanielou 5th May 17, 9:45 AM
    • 64,599 Posts
    • 288,707 Thanks
    beanielou
    Sorry not too chatty.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • parsniphead
    • By parsniphead 5th May 17, 10:39 AM
    • 2,700 Posts
    • 18,603 Thanks
    parsniphead
    I went to jog club on Wednesday. I kept pace with the group doing 18 mins of 1 min walk, 1 min jog and covered 3.1k. Was so happy about that
    Originally posted by in need of direction
    Impressive. That seems quite a distance for a short amount of time.
    My mini challenge: pay off MBNA by 31/08/18. £502/£502 100% (paid off 30/06/18 - 2 months early )

    Pay of all debt by xmas 2019 #09 - £0/ £8471 %
    • mfmaybe
    • By mfmaybe 5th May 17, 4:56 PM
    • 1,173 Posts
    • 3,853 Thanks
    mfmaybe
    I went to jog club on Wednesday. I kept pace with the group doing 18 mins of 1 min walk, 1 min jog and covered 3.1k. Was so happy about that
    Originally posted by in need of direction
    Brilliant! How's the knee holding out?
    0% card was £1126.91 / Now £1502.37

    AFD March 2/15 NSD March 2/11

    Other debts paid since 1/1/14: £17,005
    • in need of direction
    • By in need of direction 7th May 17, 10:09 AM
    • 5,883 Posts
    • 36,475 Thanks
    in need of direction
    Visitors, how lovely. My knee is no better and no worse for exercise. It can play up while I'm sitting on the sofa as easily as when I'm out and about so while that's the case, I'm gonna try for the jog club. I'm a fundamentally lazy person but I need to tackle my fitness.
    On Friday, a lady I would have periodically gone to for massage texted me. She'd had a cancellation and knowing why I was no longer a regular, offered it to me free of charge. So yesterday I had a wonderful dekinking and we have worked out a way that I could assist with her husband's business in return. Sometimes, your faith in people gets restored in the most unexpected ways. I also used my £5 off a £25 spend as the wee supermarket is quite close to her premises. Dd will need to buy milk, etc. while we are aware but otherwise I think food supplies are good.

    On Friday, OH treated us to tea from the chippy to celebrate the start of his time off but yesterday's food came from fridge and freezer and consisted of on offer and whoopsied items. Yesterday a ridiculous amount of time was spent weeding and planting. Today, grass cutting and weeding of the front garden might be in order. Today I must also go see my mother. We don't have the best relationship and, to be blunt, I've been avoiding her as she constantly is querying about my job. She even asked one of my sisters if she thought I'd been sacked. She just undermines any confidence I have and it's easier to stay away. But she is 86, not in great health and I will soon be on the other side of the world so I have to go see her.
    Also, as if on cue, last night my IBS flared up. I'm currently hoping the anti spasmodic I'm taking since this morning, will release the cramp before I go for a long plane journey.
    I'm also feeling at bit all at sea. It's OH's big 50 on Wednesday and I haven't bought him a thing. I'm trying not to buy frivolous or unnecessary stuff but it seems wrong not to mark it with something.
    Anyhow, best get on before it gets too hot!
    Mortgage at 01.01.14 £119,481.83 today £67373.01 target £65,000 by 05/04/19 Offset fund today £716.16 target £5,500 by 05/04/19
    Emergency fund £5,500/5.5k & £200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 5lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • doingitanyway
    • By doingitanyway 7th May 17, 10:44 AM
    • 4,435 Posts
    • 27,375 Thanks
    doingitanyway
    On Friday, a lady I would have periodically gone to for massage texted me. She'd had a cancellation and knowing why I was no longer a regular, offered it to me free of charge. So yesterday I had a wonderful dekinking and we have worked out a way that I could assist with her husband's business in return.
    Originally posted by in need of direction
    Brilliant. I love stuff like this. Result.
    Car costs savings: 165
    Xmas savings 100
    • Dolly Rocker
    • By Dolly Rocker 7th May 17, 11:03 AM
    • 4,677 Posts
    • 13,840 Thanks
    Dolly Rocker
    It must be hard not having that great a relationship with your mum, if it is always a negative experience for you though I can totally understand why that would be.

    Hopefully you can go & have a visit without her bothering you too much.

    Oh 50! Yeah you need to mark the occasion, doesn't have to cost the earth thoough.

    Hope you find something.

    Dxxx
    DF 2018 £12,754.09 - PIF 30.11.18
    My Home Fund £1,600.00
    Goal Weight 2019 37lbs/91lbs
    28.05.19 - 4 Nationwide Referrals left, PM me for £100 to switch accounts, 1 link available straight away
    • beanielou
    • By beanielou 7th May 17, 11:31 AM
    • 64,599 Posts
    • 288,707 Thanks
    beanielou
    It must be hard not having that great a relationship with your mum, if it is always a negative experience for you though I can totally understand why that would be.

    Hopefully you can go & have a visit without her bothering you too much.

    Oh 50! Yeah you need to mark the occasion, doesn't have to cost the earth thoough.

    Hope you find something.

    Dxxx
    Originally posted by Dolly Rocker
    Couldent put it better myself xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • in need of direction
    • By in need of direction 7th May 17, 8:26 PM
    • 5,883 Posts
    • 36,475 Thanks
    in need of direction
    Went and saw mum. Picked up some grocery items for her. Got quite a few freezer items for us whoopsied to between ten and thirty pence. DD will eat while we're away. Also had a health issue today that left me feeling iffy so not much was done. I know it's related to holiday stress so I'm not too concerned. Tomorrow we pack, do jog club, get dd to and from physio, etc. also need to follow up re car insurance after an appalling experience in a branch on Saturday. Odd how I still haven't received the customer complaint information I requested that was to be emailed.
    Today I am grateful for
    DD joining me at visit to my mum. It helps
    Whoopsied food
    Good weather.
    Mortgage at 01.01.14 £119,481.83 today £67373.01 target £65,000 by 05/04/19 Offset fund today £716.16 target £5,500 by 05/04/19
    Emergency fund £5,500/5.5k & £200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 5lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • in need of direction
    • By in need of direction 21st May 17, 6:50 AM
    • 5,883 Posts
    • 36,475 Thanks
    in need of direction
    The holiday has been and gone. I am still feeling the effects of the time difference and the travel but that's to be expected. Came home to the house still standing and the car where I left it. Also dd and dog in good form so that's a bonus. Also spoke bRiefly to DS who allocated me about 2 mins while en route to a social engagement.
    We overspent on the holiday and the run up to this. This isn't good but at least we have the money there to cover the spends currently. It's the future income that I'm nervous of.
    We also returned to our rates bill. Not great but I thought it may have been worse.
    While I was away, I was contacted by my former employer who needs help delivering a piece of work for a client. They are being quite mean about likely remuneration but I am setting out my terms and they can take or leave them. These are my standard business terms even though I kinda have them over a barrel but I'm happier to not take advantage. To do so would put me in the same category as them and lack of equity was one of the drivers to leave. The day I went away, I also got word of a tiny piece of work that will have outlay but I will cover my costs so I'm doing it. With these two jobs plus my initial commission, I will be able to return my seed money and will have hit my six month target. There may also be another thing in the pipeline but that's currently hearsay so no chicks are being counted. I've also been emailed by a former colleague, now working elsewhere, who is building a team for a tender submission. It's work I'd like to be involved in so we are discussing tomorrow.
    While I was away, I chased up a part time opportunity where I'd had nothing back. They replied saying the emailed application hadn't been received but they are having their IT people look into it so fingers crossed.
    There is also the opportunity to apply for an incredibly well paid job that I would be interested in. Closing date is 12 tomorrow so today's task is to structure an application and, depending upon how strong a response I can make, submit or otherwise. Interesting that I was sign posted to it by a former client with whom I had a bit of a prickly relationship. Support can come from the oddest of places.
    Yesterday we had an issue where two people, high as kites, went into our back garden having run from paying a taxi fare. It was unsettling as, being me, I stupidly confronted them before calling OH from upstairs or before calling the police. No injury or damage and support came from both a neighbour and the police. Not nice though.
    This Saturday is the family BBQ for my brother in law. Really wish I hadn't offered but would have felt bad if I hadn't. This is his first major birthday since his wife, my sister, died last year and I know she would have wanted it marked in some way. Am concerned about the family tensions and also, the state of my house and the cost!
    Today I will inventory BBQ food and agree a menu with dd and oh.
    I will also get another load of laundry on. First however, I'm gonna tackle mr wii for a weigh in. Fingers crossed it gives me good news. I will also menu plan for the week and buy in some odds and ends of groceries such as salad for OH's lunch.
    I am grateful for
    Seeing progress on diaries here. It spurs me on
    Neighbours
    Returning to find everyone safe and sound
    A panda experience that was jaw dropping
    Mortgage at 01.01.14 £119,481.83 today £67373.01 target £65,000 by 05/04/19 Offset fund today £716.16 target £5,500 by 05/04/19
    Emergency fund £5,500/5.5k & £200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 5lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • parsniphead
    • By parsniphead 21st May 17, 7:16 AM
    • 2,700 Posts
    • 18,603 Thanks
    parsniphead
    Welcome back INOD. I hope you had a good time.

    Work all seems to be ticking along nicely. Fingers crossed it all comes together.

    That's scary stuff with the people in your garden. There are some dodgy folks out there.

    Bad news about coming back to a bill. There's always a brown envelope sitting there after holidays aren't there.
    My mini challenge: pay off MBNA by 31/08/18. £502/£502 100% (paid off 30/06/18 - 2 months early )

    Pay of all debt by xmas 2019 #09 - £0/ £8471 %
    • doingitanyway
    • By doingitanyway 21st May 17, 9:01 AM
    • 4,435 Posts
    • 27,375 Thanks
    doingitanyway
    It was nice reading your post as there seem to be many opportunities opening up regarding work. Sorry about the idiots in the garden. I am having a coffee and menu planning this morning too.
    Car costs savings: 165
    Xmas savings 100
    • beanielou
    • By beanielou 21st May 17, 8:53 PM
    • 64,599 Posts
    • 288,707 Thanks
    beanielou
    LOts of positives
    Hope barbacue went well.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • jwil
    • By jwil 22nd May 17, 3:34 PM
    • 10,791 Posts
    • 39,103 Thanks
    jwil
    Welcome back. All sounding promising on the job front
    "If you can dream it, you can do it". Walt Disney
    • in need of direction
    • By in need of direction 23rd May 17, 7:04 AM
    • 5,883 Posts
    • 36,475 Thanks
    in need of direction
    Hello you lot, thanks for dropping in. BBQ isn't until this Saturday, I just like to panic well in advance. Meats are all in place and menu has been sorted. Nothing more to be done until Friday apart from getting the house sorted. There's so much to do and, as usual, the other occupiers have made themselves oblivious to this.

    OK I get that I may only be the one who thinks that part of the kitchen wall needs repainted, we had a leak from the boiler but fixing the toilet seat so it is attached with more than one screw is not me being picky! Neither is cleaning drip marks from the lid of the kitchen bin, etc. also, while we were away, dd did a sort out of stuff from her room. Now it's scattered in various piles throughout the house. Not good. I don't have the best of relationships with all of my family members so don't want to give them the chance to criticise any more than usual.

    Speaking of family, I called in with my mum yesterday who was in surprising not a hyper critical mode. She does keep asking if I'm looking for a job. I get that the older generation think a job is for life but for the past thirty years, I've had a total of 2 employers. It's not that I'm flighty but her constant querying undermines my confidence. DD heads off next week for the 3 and a bit month summer job. Not sure how I will do without my cheerleader.

    On the work front, I had applied a few weeks ago for a few days a month post in the public sector. I'd expected to hear back but hadn't so I chased up. It appears my application had been designated by IT systems as a threat and automatically quarantined and binned. I was able to resubmit yesterday so fingers crossed. If I got this, it would allow for all our living costs to be covered each month with anything else being for the taxman, the mortgage, etc.
    Today I need to knuckle down and complete another application form and get my assignment underway. I also need to get laundry on the go as it looks like good drying weather. I also need to get in touch with my accountant and set up a proper meeting as opposed to one that's as much of a personal catch up as anything else.

    Yesterday I heard back from my former employer re a query I had around money I believed they owed me. They aren't playing ball so today I need to decide to either let it go or to engage a solicitor. The value may be swallowed up by solicitor costs but it really rankles given how much they got from me over and above the time that was paid. The question is if I can afford to tackle something that is a matter of principle. Thoughts?

    Today I am grateful for
    The safety of my family and the efforts of those assisting in Manchester
    Sunshine
    Friendships both actual and virtual
    Mortgage at 01.01.14 £119,481.83 today £67373.01 target £65,000 by 05/04/19 Offset fund today £716.16 target £5,500 by 05/04/19
    Emergency fund £5,500/5.5k & £200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 5lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • doingitanyway
    • By doingitanyway 23rd May 17, 10:35 AM
    • 4,435 Posts
    • 27,375 Thanks
    doingitanyway
    It appears my application had been designated by IT systems as a threat and automatically quarantined and binned.
    Originally posted by in need of direction
    Well done for chasing it up
    Car costs savings: 165
    Xmas savings 100
    • Busterboo
    • By Busterboo 23rd May 17, 1:15 PM
    • 16 Posts
    • 129 Thanks
    Busterboo
    Hi Doingitanyway, I am really enjoying your diary and reading back through your other threads! Hope you have a good day
    Jan - x2 Wins, Feb -
    • beanielou
    • By beanielou 24th May 17, 8:55 PM
    • 64,599 Posts
    • 288,707 Thanks
    beanielou
    As you say is it worth the time & effort of chasing it up.
    It would stick in my craw too.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • in need of direction
    • By in need of direction 24th May 17, 9:40 PM
    • 5,883 Posts
    • 36,475 Thanks
    in need of direction
    Well, interestingly I spoke to OH about it. We have set a cap of what we will commit to pursuing this. So, solicitor to be contacted tomorrow. I attended a networking event today and have three leads to pursue and I odd a shop in sainsbobs and got 12p a litre off voucher for diesel so I fed the car. Picked up quite a few whoopsied things inc a duck crown and stir fry veg that became OH's dinner with enough left for his lunch for tomorrow. I also got drink supplies for the BBQ. Tomorrow I intend to work and I'm giving myself Friday off. I've decided that I need to designate work days or every day becomes a bit of an everything day with lots of frittering being done.
    Other news, dd has been decluttering so 4 bin bags to go to the chazza. Yay
    Mortgage at 01.01.14 £119,481.83 today £67373.01 target £65,000 by 05/04/19 Offset fund today £716.16 target £5,500 by 05/04/19
    Emergency fund £5,500/5.5k & £200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 5lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • in need of direction
    • By in need of direction 27th May 17, 8:18 AM
    • 5,883 Posts
    • 36,475 Thanks
    in need of direction
    Well Thursday's plan was scuppered by nephew turning up unannounced needing help with an application due in fri lunchtime. Friday was a bitsy day and today is BBQ day. It's also the day when thunderstorms are predicted! Am heading towards full blown panic mode but at least the toilet seat has been fixed. Have lists coming out my ears and it's pretty much paralysis by analysis. Have also lost control of my finances.

    Dog heads off on wed for just over three months while dd exits on Thursday. Next weekend I must grab the finances by the scruff of the neck and see how I can move forward. I have two things to get cracking with work wise so will earn my first fee in the coming weeks.

    Can I please have lots of positive vibes for today? Am dreading the various family undercurrents but, this time tomorrow, it'll all be over. Yay
    Mortgage at 01.01.14 £119,481.83 today £67373.01 target £65,000 by 05/04/19 Offset fund today £716.16 target £5,500 by 05/04/19
    Emergency fund £5,500/5.5k & £200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 5lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
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