Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • SnowBallBunny
    • By SnowBallBunny 25th Nov 17, 1:03 PM
    • 135Posts
    • 281Thanks
    SnowBallBunny
    Financial Freedom + Self Care
    • #1
    • 25th Nov 17, 1:03 PM
    Financial Freedom + Self Care 25th Nov 17 at 1:03 PM
    Hello everyone,

    I want to pay off my debt and move forward with my life. I am a young woman with no children and I am capable of addressing this, I can change things for the better now.

    I thought I'd seek support and encouragement here as this whole process can be so stressful. And although a lot of people are in debt, it is a taboo subject, no one talks about it. I will be logging my progress here at least once a week. I plan to complete Dave Ramseys Baby Steps 1 and 2 by the end of 2018.

    Baby Step 1 Save 1K Emergency Fund.
    Baby Step 2 Pay off debts smallest to largest.

    At the moment I am temping at a University as an Administrator until mid February 2016 - while looking for a permanent role or contract role (12 months+). I would like to be self employed as a Project Management Officer and retrained late last year in order to do this work. The market is slow at the moment, and I have been approached about roles but have not secured anything yet. I can make my company dormant for a year or two while I work at a permanent/contract role and pay off the debt.

    I am an Artist at heart but pursuing my creativity is part of the reason that I am in debt now so I'd like to earn more money and perhaps find time (either weekends or holidays) when I can do something creative just for myself. Once I have paid off the debt my mind will be clearer. I also considered starting a small side-business this year selling hair care products as I make them for myself but I just feel so stressed by this debt, it is hard to think about anything else.

    It is hard to not obsess about the debt and the stress has affected my sleep. I have slept 4 hours a night each night over the past two weeks. I bought some herbal sleeping pills and will do more to calm myself down and practice self-care:
    Aromatherapy - I already have oils have and know how to blend oils so this will not cost me anything.
    Meditation - Free and there is a Buddhist Centre near work that I can go to as well as a Chapel I can visit to relax and be still.
    Walks - I can walk at lunch time and part of the way home to begin with, 30 mins a day does not feel like much but it is a start.
    Swimming - I can swim for free on weekends within my local area.

    I find myself regretting so many decisions that I have made. I could have saved so much money while I lived at home and made better decisions. I worked so hard and did not save, instead I got into debt. I did not feel like I could tell anyone for ages or get any help and I have felt so stuck, defeated and alone.

    My sister is the only one who knows about the debt and I do not want to stress her out or to burden her with what I am feeling. I do not feel like I can tell any friends or other relatives. Also I have not seen my friends for ages and felt so isolated at my previous workplace that I really need to socialise - for free. I will be volunteering at a local homeless shelter today.

    In five years my aim is to work as a Business Analyst. I am studying for a Business Analysis qualification and will save up for the exam as soon as I can afford to. I have the textbook and reading it is free so I think that is the best thing for me to do right now, simply study at home.

    I am budgeting and watching every penny. As I am working as a temp, I am getting paid per hour and receive money weekly. So I have weekly and monthly budgets as my hours can vary slightly.

    Week One Summary
    Task: Use my Debit Card only.

    I have had to use CC 1 for travel and food over the past few weeks as I was waiting to get paid, through my Debit account. As I got paid yesterday I can now switch to my Debit Card and move forward using that one card. This will stabilise the debts on the other cards moving forward.

    Debts
    Credit Card 1 6,000/5,944.34
    Debit Card 2 5,000/4,899.63 (Using this account to pay bills so it will fluctuate)
    Credit Card 2 1,200/1,186.48
    Accountancy Bill 144 (Last Payment in December)
    Tax Bill 750 (Monthly instalments December 2017 !!!8211; May 2018 / 150 per month)
    Library fines 90
    Donation for a group art project I have decided not to do 15
    Total 13,029

    Week Two Goal
    Put 200 in Energy Fund - Unexpected expenses can arise so my aim is to set aside 200 for an Emergency Fund. I am temping so I want to set aside a 1 month Emergency Fund of 1K by January just incase something happens with this contract. Then I will move to Baby Step 2 and pay off the remaining debts from smallest to largest.

    Week Two Budget
    Earnings 458.28
    Bills Broadband 18.99
    Credit Card 1 Payment 150
    Travel 15
    Food 15
    Total: 259.29

    I am not going out, socialising or doing anything fun that is not free of charge. Hopefully I can go to a free art exhibition or something like that sometime soon. The stress I have been feeling has been so draining. The University has a free telephone counselling service, I called last week and spoke to someone lovely. I will try to call again more regularly. My minimum payments and bills are being met and now I will have some additional money to fund Baby Step 1.

    I do not drink alcohol or smoke so that is not an issue, as Dave says I am eating Rice and Beans, Beans and Rice until this is taken care of.

    Thanks for reading and all the best with your debt-free journeys.
    Last edited by SnowBallBunny; 04-03-2018 at 9:53 PM.
Page 4
    • SnowBallBunny
    • By SnowBallBunny 30th Dec 17, 12:28 PM
    • 135 Posts
    • 281 Thanks
    SnowBallBunny
    I reconnected with my Cousin recently. She's someone who I've always admired. She's such a hardworker and although she's been through a lot, she's achieved a lot academically and career-wise.

    She moved into her own flat 3 months ago and has a mortgage now. The deposit and moving costs wiped out her savings. She was self employed making great money for 18 months but she decided to stop and take on a permanent job to secure her mortgage and rebuild her savings.

    She said that she was glad that she 'finally' got on the housing ladder, I don't see it like that, she's a few years older than me and I just admire her for getting to that point. It's inspiring to see women I know doing this.

    Now I just have to extend that same perspective to myself.
    Credit Card 1 6,000/5,529.63 Debit Card 5,000/4,186.74 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,539

    A SnowballBunny, hopping my way to Financial Freedom.
    • MeenaM
    • By MeenaM 31st Dec 17, 8:45 AM
    • 245 Posts
    • 446 Thanks
    MeenaM
    Happy New Year Bunny!

    rice and beans rice and beans ! we can do this !
    Sealed Pot 11. #199Next1170Barclays Credit Card 4891.20/957.95- 0% ends April 2019 virgin 0% ends july 2020 4138 3929.89AA Credit Card 860 0- 0% ends Dec 2017 Sainsburys Credit Card 521.27-0 0% ends Feb 2018 STARTED Nov 17AIM TO BE DEBT FREE JULY 2019Emergency Fund 614/1000
    • doingitanyway
    • By doingitanyway 1st Jan 18, 11:48 AM
    • 2,898 Posts
    • 14,114 Thanks
    doingitanyway
    Happy New Year SnowBallBunny
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Lauralozzle
    • By Lauralozzle 1st Jan 18, 5:05 PM
    • 560 Posts
    • 4,955 Thanks
    Lauralozzle
    Happy New Year Snowball
    Credit Card 1: 0.00 (0%) | Credit Card 2: 1,951.50 (0%) | Credit Card 3: 764.20 (0%) Car Finance: 7,491 (7.9% APR) | Mortgage: 110,794 (2.79% APR) | Emergency Fund: 69.68/1000 | Honeymoon Fund: 1,042
    • SnowBallBunny
    • By SnowBallBunny 1st Jan 18, 5:58 PM
    • 135 Posts
    • 281 Thanks
    SnowBallBunny
    Happy New Year to each and everyone of you. It's a New Year good people. Something good can always happen.

    Progress:
    It can be easy not to recognise the progress I've made so here's a quick update:

    Debit Card There was a point when I was living off my last credit card and my other accounts were maxed out. I'm working, all transactions are being made through my debit account and I've lower my expenses as much as possible. My credit cards have been in an envelope not being used for over a month and that's a step forward. I look forward to paying them off.

    Paid a friend back 15 - I paid a friend back who donated to a group art project I was planning to do. I've decided not to do it so I paid her back. Really appreciate her support, I was really touched when she donated.

    Homeless Shelter: I'll go back to the shelter to volunteer next week. I took a break over Christmas so it'll be good to help out again.

    Realisations: I think that before my LBM I was in a rut. Very outwardly 'busy' and productive but really I was unhappy, harboring the debt and putting other people and their happiness before myself. I think this is a chance for me to take a step back and to look at my life and career and to build something better, to focus on my happiness in a way that I wasn't doing before. It's scary, because the prospect of change can be scary and it's also necessary. And in the long run this will help me moving forward.

    My career path. My job. What I should do creatively, these things have been so unclear and I'm unsure of what to do moving forward inorder to benefit me in the long term. In all honesty, the lack of certainty has been frustrating and depressing. I know that when I improve my wellbeing (exercise, sleep, meditation) things will become clearer. I also just need to not place so much pressure on myself. Small steps are the way to go.

    Snowball Pressure
    While temping it's challenging to budget and to successfully complete a debt Snowball. This is because you are paid hourly for your work. If you're ill or there are bank holidays you don't get paid. This is tough to deal with when you're in debt because it makes budgeting challenging. I have budgeted monthly and weekly and regularly check my balances but having one salary, one amount you can count on each month is a LOT easier to monitor and manage. I'm proud that I was able to put aside 400 from mid November - December but I know that I'll save much more when I have a fixed salary to look forward to. So the key here is that I know that I'm doing my best.

    Fun I'd like to have some this year. So I'll do my best to keep you updated on that.

    Job Search
    I'm finishing off a job application tonight. It's a Junior Project role within another department in the uni. If I secure the role, I'll be able to clear the debt within the year and gain more experience. I'll start calling recruitment agencies again tomorrow.
    Last edited by SnowBallBunny; 01-01-2018 at 8:01 PM.
    Credit Card 1 6,000/5,529.63 Debit Card 5,000/4,186.74 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,539

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 3rd Jan 18, 10:21 PM
    • 135 Posts
    • 281 Thanks
    SnowBallBunny
    Self Care Update:

    I've decided to do small acts of Self Care rather than pressuring myself to make massive changes or to measure up to what I did pre LBM.

    I cooked a healthy meal on Monday Chickpea and soya chilli, brown rice and savoy cabbage. In all honesty I'd been living off Christmas left overs until last weekend - my Mum froze some of her amazing cooking. Such a treat to have her cooking.

    Elevated my feet today to boost my circulation. It's a quick exercise that helped in the past. I haven't had circulation issues for years but this exercise will help.

    Yesterday and today I've blended essential oils for aromatherapy using my oil burner.

    Going to bed earlier to try to improve my sleep.
    Credit Card 1 6,000/5,529.63 Debit Card 5,000/4,186.74 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,539

    A SnowballBunny, hopping my way to Financial Freedom.
    • doingitanyway
    • By doingitanyway 3rd Jan 18, 10:35 PM
    • 2,898 Posts
    • 14,114 Thanks
    doingitanyway
    Hi Snowballbunny,

    When I get money in irregular amounts I pay a set percentage of whatever I receive towards debt before I decide what to do with the remainder. You might want to do that until you get more permanent employment.

    I use essential oils loads. I have a huge selection that I use according to what I need. When I am feeling unbalanced or anxious I burn geranium in an oil burner.

    Cooking something healthy and tasty always helps me to feel better about myself too.

    Keep on keeping on
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • SnowBallBunny
    • By SnowBallBunny 4th Jan 18, 7:24 PM
    • 135 Posts
    • 281 Thanks
    SnowBallBunny
    Hi Snowballbunny,

    When I get money in irregular amounts I pay a set percentage of whatever I receive towards debt before I decide what to do with the remainder. You might want to do that until you get more permanent employment.

    I use essential oils loads. I have a huge selection that I use according to what I need. When I am feeling unbalanced or anxious I burn geranium in an oil burner.

    Cooking something healthy and tasty always helps me to feel better about myself too.

    Keep on keeping on
    Originally posted by doingitanyway
    The percentage idea is one worth considering. Thanks for that suggestions.

    Geranium smells gorgeous. It's great for mental clarity. I've included Lavender in my blends lately as it's very calming.
    Credit Card 1 6,000/5,529.63 Debit Card 5,000/4,186.74 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,539

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 4th Jan 18, 8:12 PM
    • 135 Posts
    • 281 Thanks
    SnowBallBunny
    Self Care Steps:

    I bought a bottle of my favourite olive oil. It's the only 'treat' I've bought myself in months. It's 3 for 500ml. It makes food taste better.

    In bed by 9pm - To improve my sleep last night I'm doing my best to be in bed by 9pm so I can unwind and try to sleep more/earlier.

    I'm walking a bit more each day.

    I went to the Careers Service at the Uni today. I've been feeling down, confused and frustrated about my career path so I decided to talk to someone who could help. Whichever job I secure next, I want to have more clarity about this area so I know what to aim for and work towards moving forward. I don't see myself making money from writing or photography or any of the creative things I enjoy, however, maybe I can use these skills in other career fields that pay well - in time. I already have some Project Management qualifications so I'm looking for jobs in that field simply to make money.

    But I also find that these fields keep coming to mind:

    Marketing, Commnuications, Branding - I enjoy writing, learning about brands/businesses and recommending them. I've also had some success with a social media account I run for my art group.

    Law - I'm a confident communicator, Intellectual Property Law interests me, this is a well paid field and perhaps this is a field I could work in long term.

    My sister and Mum have asked me what I want to do. And when I'm asked this question, my mind goes blank. I think it's partly because I feel so dissappointed in myself already, it's hard to know what's best. I had/have a business idea for a haricare business but I've shelved it to focus on securing a permanent role.

    If there are any Careers Advisors who have some good practical advice for me, please do let me know.

    As always, thanks for reading, I really appreciate it.
    Last edited by SnowBallBunny; 04-01-2018 at 8:16 PM.
    Credit Card 1 6,000/5,529.63 Debit Card 5,000/4,186.74 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,539

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 5th Jan 18, 9:56 PM
    • 135 Posts
    • 281 Thanks
    SnowBallBunny
    As I didn't work over Christmas, I'm not getting paid today. I'll start getting paid again next Friday.

    Self Care Update: I went swimming today for the first time in months. Yes it was windy and freezing outside and I just go on with things and went, glad I did.

    Going back to the homeless shelter this weekend to help out.

    Wishing you all a wonderful weekend.
    Credit Card 1 6,000/5,529.63 Debit Card 5,000/4,186.74 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,539

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 9th Jan 18, 9:06 PM
    • 135 Posts
    • 281 Thanks
    SnowBallBunny
    I have a job interview! It's for the Junior Project role I applied for just before new year.

    I'm preparing for that interview. I was also called about another role tonight so I'm working on a Personal Statement.

    Thanks for reading.
    Credit Card 1 6,000/5,529.63 Debit Card 5,000/4,186.74 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,539

    A SnowballBunny, hopping my way to Financial Freedom.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 18, 9:20 PM
    • 3,920 Posts
    • 26,162 Thanks
    HairyHandofDartmoor
    Happy New Year to each and everyone of you. It's a New Year good people. Something good can always happen.

    Progress:
    It can be easy not to recognise the progress I've made so here's a quick update:

    Debit Card There was a point when I was living off my last credit card and my other accounts were maxed out. I'm working, all transactions are being made through my debit account and I've lower my expenses as much as possible. My credit cards have been in an envelope not being used for over a month and that's a step forward. I look forward to paying them off.

    Paid a friend back 15 - I paid a friend back who donated to a group art project I was planning to do. I've decided not to do it so I paid her back. Really appreciate her support, I was really touched when she donated.

    Homeless Shelter: I'll go back to the shelter to volunteer next week. I took a break over Christmas so it'll be good to help out again.

    Realisations: I think that before my LBM I was in a rut. Very outwardly 'busy' and productive but really I was unhappy, harboring the debt and putting other people and their happiness before myself. I think this is a chance for me to take a step back and to look at my life and career and to build something better, to focus on my happiness in a way that I wasn't doing before. It's scary, because the prospect of change can be scary and it's also necessary. And in the long run this will help me moving forward.

    My career path. My job. What I should do creatively, these things have been so unclear and I'm unsure of what to do moving forward inorder to benefit me in the long term. In all honesty, the lack of certainty has been frustrating and depressing. I know that when I improve my wellbeing (exercise, sleep, meditation) things will become clearer. I also just need to not place so much pressure on myself. Small steps are the way to go.

    Snowball Pressure
    While temping it's challenging to budget and to successfully complete a debt Snowball. This is because you are paid hourly for your work. If you're ill or there are bank holidays you don't get paid. This is tough to deal with when you're in debt because it makes budgeting challenging. I have budgeted monthly and weekly and regularly check my balances but having one salary, one amount you can count on each month is a LOT easier to monitor and manage. I'm proud that I was able to put aside 400 from mid November - December but I know that I'll save much more when I have a fixed salary to look forward to. So the key here is that I know that I'm doing my best.

    Fun I'd like to have some this year. So I'll do my best to keep you updated on that.

    Job Search
    I'm finishing off a job application tonight. It's a Junior Project role within another department in the uni. If I secure the role, I'll be able to clear the debt within the year and gain more experience. I'll start calling recruitment agencies again tomorrow.
    Originally posted by SnowBallBunny
    Your new year goals sound very sensible and focused Snowball. Make sure you keep reading them to remind yourself of the direction you want to go in.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = 281.59/Emergency Fund 2 = 41.81/Loss of Income Fund 0
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 18, 9:22 PM
    • 3,920 Posts
    • 26,162 Thanks
    HairyHandofDartmoor
    I have a job interview! It's for the Junior Project role I applied for just before new year.

    I'm preparing for that interview. I was also called about another role tonight so I'm working on a Personal Statement.

    Thanks for reading.
    Originally posted by SnowBallBunny
    That's brilliant . Good luck with the interview. Keep confident and focused and you will start to achieve all of your goals .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = 281.59/Emergency Fund 2 = 41.81/Loss of Income Fund 0
    • SnowBallBunny
    • By SnowBallBunny 9th Jan 18, 11:01 PM
    • 135 Posts
    • 281 Thanks
    SnowBallBunny
    Your new year goals sound very sensible and focused Snowball. Make sure you keep reading them to remind yourself of the direction you want to go in.
    Originally posted by HairyHandofDartmoor
    That's brilliant . Good luck with the interview. Keep confident and focused and you will start to achieve all of your goals .
    Originally posted by HairyHandofDartmoor
    I hadn't thought about reading my goals back but that's a good idea. Thanks for your encouragement and positivity. I really appreciate it.
    Credit Card 1 6,000/5,529.63 Debit Card 5,000/4,186.74 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,539

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 9th Jan 18, 11:06 PM
    • 135 Posts
    • 281 Thanks
    SnowBallBunny
    I've finished the personal statement for the second job application. I'll focus on my interview preparation this week and work on another job application over the weekend. That job application will be for another Junior Project role.

    I'm feeling tired. Really hope to get some sleep tonight.

    Thanks for reading everyone. Have a good evening.
    Credit Card 1 6,000/5,529.63 Debit Card 5,000/4,186.74 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,539

    A SnowballBunny, hopping my way to Financial Freedom.
    • doingitanyway
    • By doingitanyway 10th Jan 18, 5:45 PM
    • 2,898 Posts
    • 14,114 Thanks
    doingitanyway
    Good luck with the job interview.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • SnowBallBunny
    • By SnowBallBunny 10th Jan 18, 10:07 PM
    • 135 Posts
    • 281 Thanks
    SnowBallBunny
    Good luck with the job interview.
    Originally posted by doingitanyway
    Thank you!
    Credit Card 1 6,000/5,529.63 Debit Card 5,000/4,186.74 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,539

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 12th Jan 18, 10:42 PM
    • 135 Posts
    • 281 Thanks
    SnowBallBunny
    Hey everyone,

    I went to my interview this morning. I think it went well. I'll hear back next week. I'm working on another application this weekend.

    I went to an art gallery briefly after work today and listened to a song that was on my mind. I hadn't listened to music for ages or been to a gallery. Hope to do more of these things moving forward.

    Band: Parliament Funkadelic
    Song: One Nation Under A Groove - Funkadelic
    Credit Card 1 6,000/5,529.63 Debit Card 5,000/4,186.74 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,539

    A SnowballBunny, hopping my way to Financial Freedom.
    • doingitanyway
    • By doingitanyway 12th Jan 18, 10:49 PM
    • 2,898 Posts
    • 14,114 Thanks
    doingitanyway
    Love that song...'One nation under a groove, nothing can stop me now...' looks like nothing can stop you either
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • SnowBallBunny
    • By SnowBallBunny 14th Jan 18, 6:37 PM
    • 135 Posts
    • 281 Thanks
    SnowBallBunny
    Unexpected expenses

    6.59 - I bought a house warming gift (a pink Anthurium plant) and a greeting card for my cousin. I had dinner at her new place this weekend. It was great to catch up with her. It's lovely, so proud of her for getting on the property ladder.

    183.64 - Took two days off. I felt sick on Monday so I didn't go into work. I booked annual leave for one day this coming week - week commencing 15th January 2018.

    Homeless Shelter

    The homeless shelter is closing next week, so I'd like to volunteer there one last time. So I'll see if they have room.

    My sister and I have signed up for two shifts at another winter shelter that'll be open until March, it's near where my parents live so we'll visit them and volunteer.

    Personally...

    I've been feeling down lately. It's the debt, my career path and just my life choices - what should I do moving from here? My Mum thinks that I should focus on one thing at a time. And I try to remind myself of that. I also need to do something to take my mind off things, perhaps I'll start up my art group or finish my online course. I do need to focus on something else.

    Thanks for reading DFWs. I appreciate you.
    Last edited by SnowBallBunny; 14-01-2018 at 9:01 PM.
    Credit Card 1 6,000/5,529.63 Debit Card 5,000/4,186.74 (Debit Card includes Emergency Fund 1000) Credit Card 2 1200/822.91 Tax Bill 750/0 Library Fine 90/0 Accountancy Bill 720/0 Cancelled Art Project Donation 15/0
    Total 13,199/10,539

    A SnowballBunny, hopping my way to Financial Freedom.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,743Posts Today

6,478Users online

Martin's Twitter