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  • FIRST POST
    • TheMagician
    • By TheMagician 24th Nov 14, 10:29 PM
    • 277Posts
    • 583Thanks
    TheMagician
    Women and cats will do as they please! :)
    • #1
    • 24th Nov 14, 10:29 PM
    Women and cats will do as they please! :) 24th Nov 14 at 10:29 PM
    Hi all

    I'm not actually in debt as such but I need this diary to keep me on track with all of my plans and for all the wonderful support people here offer

    I work full time in finance and study CIMA on a side, life can get pretty hectic

    Me and my son terribly want our own home and a kitty (I absolutely loooooove cats) and I am looking forward to being free of restrictions renting causes.

    So, the plan is to save as much as possible every single month and to put that towards the house deposit. We are both super duper excited about this and gonna work damn hard to get the money we need so I'm going to use this diary to record our milestones and keep us focused
    Last edited by TheMagician; 29-08-2015 at 7:58 PM.
Page 17
    • TheMagician
    • By TheMagician 19th Jun 18, 5:59 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    Parent's evening tonight. It went well, DS has exceeded his yearly targets and the teacher has no concerns whatsoever. All good on that front

    The Funzing event has been cancelled, that's a bit disappointing but never mind. Will book onto something else.

    Have pretty much spent all day talking rubbish with my friend Didn't get much done apart from making lunch and that's fine by me Will get into a hot bath and read one of the books I want to finish before the end of June.

    Another 1lb lost, getting closer to my target. Exercise has been helping me to tone up as well as lose weight. A friend has challenged me to a Transformation July. I will join a gym for 1 month and do weights 3 days a week. Other 4 days I'll be doing yoga. He tells me that I tone and grow muscle quicker than anyone else he's seen and he wants to see the results we could achieve in such a short amount of time. So I said GAME ON My diet is already pretty perfect so I won't need to change that, just the gym. Will take before and after pics obviously (very very sad )

    Going out on Sat night and school open day on Thursday. Apart from that, I'm a free bird
    • TheMagician
    • By TheMagician 29th Jun 18, 1:09 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    I've not had that much to update on hence no posts.
    Thought I'd drop in though since it's nice to keep this going.

    Things are going well. I have been doing a lot of reading, relaxing, spending time with DS and preparing myself for the new chapter.

    I have stuck with doing yoga every day, in fact I've stopped even thinking about it - I just do it. This is the longest time I've ever done yoga without skipping a single day. On Monday I'm signing up to the gym for one month as mentioned previously to do a month of weights and yoga. Let's see where that gets me. Really excited about it, haven't been to the gym for years, always work out at home.
    Will also weight myself tomorrow to see how much I've lost this month - fingers crossed for that

    Doing my CBT on Sunday. I am beyond excited, can't wait, will have the best time ever.

    Had some interesting news today. Anyone that receives child support will know that CSA changed to Child Maintenance Service. My case has been passed on and reevaluated and I've had some good news - I'm due an extra 1,000 a year, which is a huge bonus. Really happy about that
    I also had 30 of TCB old transactions clear so cashed that to Amaz@n vouchers.

    5 days till final exam results - let the new life begin
    • TheMagician
    • By TheMagician 5th Jul 18, 6:18 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    Well, today is a day to celebrate
    I have received my results and I PASSED I needed 80pts and I got 96 so I was well and truly safe, just as I'd felt. I am now fully qualified.

    This has been and will be celebrated with everyone I know All of my friends and family have congratulated me and I feel absolutely fantastic.

    Let the new life commence!

    So that's the biggest news. I did do my CBT and it was amazing. However, it was over 30C all day long and I was absolutely sweltering under all of my bike gear. I will have to come back for another half day to get my certificate but I loved it so much Can't wait to get my motorbike.

    I weighed myself and I have now lost 11lbs since April I'd say I'm about half way there now, I keep pushing how much more I wanna lose but I wanna get back to a comfortable size 8. Should get there over the next couple of months. Back to my best and then some, in every way possible
    • monz
    • By monz 6th Jul 18, 9:08 AM
    • 3,498 Posts
    • 11,931 Thanks
    monz
    Thats amazing!!! well done on passing!!!!!
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    car PCP - 1,748.90/11,848.25 mum and dad 3,230/4,000 mortgage - 81,780 o/s currently - paid 3,257.02 (92.52 overpayment)
    Emergency Fund - 10/500
    • Shelbi
    • By Shelbi 6th Jul 18, 10:02 AM
    • 734 Posts
    • 1,760 Thanks
    Shelbi
    Congratulations on passing your CIMA!! x
    DFD-01.03.2018
    Save for xmas-34/365
    Emergency Fund- 3,000/3,000 (revised amount)
    House Deposit- 4060.68/25,000.
    Oct'18- NSD- 0/20- Bring Lunch to work 0/20
    make-5pd in Oct-0/155 Wedding fund- 0/10k
    • TheMagician
    • By TheMagician 6th Jul 18, 3:03 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    Thank you monz & Shelbi, very kind of you
    I'm over the moon still.
    So many plans wizzing through my head, have already set the wheels in motion.
    Got a feeling next week is going to be a big one - changes are coming.

    It's Friday We are going to spend Sunday afternoon at my friend's having dinner and celebrating, some wine might be involved too Not for DS obviously Apart from that, we have no plans so we'll just go with it. It's a tiny bit cooler today and less sunny which means we can spend more time outdoors so we might go to the park
    • TheMagician
    • By TheMagician 9th Aug 18, 6:12 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    Can't believe it's been over a month!

    Life has carried on being just as turbulent as it's been since the beginning of the year But all in good ways.
    There is somebody new in my life It was completely unexpected and sudden. Things are still very new but so far it's been lovely in so many ways.
    I was all about career but the universe had different plans for us and I must abide So off I go on a date tonight

    Work front is still very much up in the air, things are moving along. I have been approached for FD roles now I'm qualified, I'm thinking of giving it a chance. I have never been in that position before so I don't know whether I'd love it or not but I'm always up for trying something different.

    Apart from that, things are moving along nicely. I've carried on losing weight and now only have 3kg left but I'm already feeling a million times better than before.

    I will pop back to update the diary when something happens Until then, the universe has got your back!
    • monz
    • By monz 10th Aug 18, 8:33 AM
    • 3,498 Posts
    • 11,931 Thanks
    monz
    Hope you had a great date last night xx
    Debt (1/9/14) 6,702.11 Debt free (30/11/2016)
    car PCP - 1,748.90/11,848.25 mum and dad 3,230/4,000 mortgage - 81,780 o/s currently - paid 3,257.02 (92.52 overpayment)
    Emergency Fund - 10/500
    • TheMagician
    • By TheMagician 11th Aug 18, 9:56 AM
    • 277 Posts
    • 583 Thanks
    TheMagician
    Hi monz The date was perfect, we had so much to talk about. I find it fascinating how sometimes you meet someone and you feel so close to them and you share much more than you would with anyone else. Food was good, so was wine and there was plenty of it Will take my time with this one, goodness knows I have learnt from all of my past mistakes.

    Beautiful day today. My bestie is doing Tough Mudder I mean, why would you do that to yourself... Will meet up after.
    Not sure what we'll get up to today yet but outside is calling
    • TheMagician
    • By TheMagician 31st Aug 18, 10:03 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    Greetings from sunny Croatia. Our last holiday before the school starts.

    Things have been happening and I don't think they will slow down any time soon.

    I've had some news - I've been offered a job. It's a mix of what I always wanted to do at my previous job (M&A) and what I've already done before. It's a 25% pay rise, near home and relatively flexible hours but FT. I'm thinking of taking it. I could do with the money and there is so much I can learn on this job. It's definitely the way forward if I want to earn big bucks in finance... I'll decide once back next week.

    Date guy thing didn't go much further. I liked him but felt he was not mature enough for me. Next! I'm just busy with work and DS. If someone amazing comes along, I'm more than open to it but otherwise I'm not wasting my time.

    I have been having crazy lucid dreams whilst on holiday! I don't think I've ever experienced this before. They're so real and just keep going on and on, moving from one topic to the next. One felt so true that I had to check my phone once awake to check whether it happened in real life. So odd
    • TheMagician
    • By TheMagician 2nd Sep 18, 4:13 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    I don't know what's got into me but for the last couple of days I have not stopped thinking about life in general.

    Last night I had an in-depth conversation with my best friend about the meaning of life and achieving things. He said he did not aim to achieve anything in particular, he just wanted to be happy and make others happy.

    I feel like even being able to consider the meaning of life is such a luxury and I truly appreciate this chance that I've been given. It means you're not ill and in pain, not battling mental health issues, you're not struggling to put food on the table, you're not caring for someone else 24/7 or working your fingers to the bone. You've been given the chance to sit still knowing your life is in order in every possible way. To a lot of people, their purpose is just to survive.

    Everywhere I turn for answers, happiness comes into it. But what if I'm already happy and always have been? Does that mean I have achieved life's purpose and I just have to keep on going? I feel like there's more and I think it's to do with others. I'm blessed with DS and the relationship we have and it definitely gives me purpose to make sure he's happy and well looked after. Much more meaningful than just taking care of me. So what else what I do to build on this?

    The only other thing I can think of is the material side of life. I've always been a minimalist when it comes to things, they give me no purpose whatsoever. But maybe having a huge bank balance that I can use for something can? Having a large enough house to have friends and family stay over or just to hold dinners at.

    I feel like anything that's to do with just me is too easy, has to be. I can be whoever I want, I can mould my body whichever way, fix it, amend it, I can eat healthily and work out, I can read books and educate myself. It cannot be that easy, I've been doing it for as long as I can remember. Plus, it also feels selfish, my whole life cannot just be about me, surely?.. But what about the monks who just spend their time on themselves meditating?

    I'm sure I'll come back to this with some answers. What gives you purpose?
    • TheMagician
    • By TheMagician 5th Sep 18, 9:41 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    We are back home and I'm so grateful It's always nice to go away and just as nice to come back.

    The travel back was a little stressful, the queue at the boarder was insane But overall, we did ok

    Got home, went food shopping, unpacked everything and got my my nails done including toes. Beach always does such damage but it's worth it Had a long long bath, got my beauty regiment done and I feel amazing again

    Had another offer of an interview for another job. Not sure on this one, will probably be a no, the company is huge but making losses and I don't want that on my CV. People that don't work in finance might not even be aware how their company is doing but for anyone interested you can find the info on the Company's House. Very important to be clued up! And get out before the boat sinks...

    Back to the above post about life's purpose. Well, I'm still not sure BUT I've got a plan for the next 12 months that will definitely help me achieve some of my huge goals and will keep me out of trouble. I want the next year to be amazing in so many ways and I will note down the exact steps to achieve it Bring it on!
    • TheMagician
    • By TheMagician 8th Sep 18, 9:59 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    Had another interview on Friday, went well. Will find out more next week.

    Did a lot of house stuff today. Cleaned out the hammies, defrosted the freezer, the laundry basket is empty and I did a big shop.

    I then made the most delicious veg stew My first time making it and I did add onto the recipe but the end result was beautiful. If anyone is interested, I fried off an onion, some garlic and a chilli pepper, added a lot of veg (courgette, fine beans, baby sweetcorn, pepper and an aubergine), a tin of chopped tomatoes, smoked paprika, pepper, two stock cubes, a tin of kidney beans and 100g of creamed coconut (not the same as coconut milk, it comes in a block), topped up with water. Perfect for autumn

    Food in Croatia wasn't the best, they eat a lot of baked produce and pizza/pasta/burgers. So I'm really enjoying getting back to my Harcombe diet way of eating, it's bliss. I'm going to be on zero sugar for a while.

    Feeling a bit lazy tonight, fancy a hot bath and an early night.
    Last edited by TheMagician; 09-09-2018 at 1:31 PM.
    • TheMagician
    • By TheMagician 1st Nov 18, 7:30 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    Haven't posted in ages, been so busy.

    The main thing that was keeping me busy was all these interviews. Since I became qualified, I decided to give finance another go and boy am I glad I did! I wasn't feeling it with any of the jobs or companies, had a couple of offers I declined. And then all of a sudden this opportunity came along... and it's everything I didn't know I wanted

    When I was considering jobs I was mostly looking in the same area I'd been in before but something didn't sit right with me. And then this company got in touch and asked me to meet them. I told them I wasn't interested (nor experienced) in that particular job but I'd have a chat, why not. Well... Me and the CFO hit it off, we talked about my experience and what I wanted to do going forward and then he literally created a job role for me! A few days later we had another meeting and he offered me the role there and then as well as agreed to my outrageous asking salary + bonus

    So I accepted, how could I not And I'm starting in just over a week. I've been joking that I gave birth to this as it will have been exactly 40 weeks between my jobs My second baby

    I'm over the moon, been busy preparing. Got a new mug, notebook, stocked up on 100% chocolate and sorted out other arrangements. I've still got a few other things to sort next week but I'm getting there.

    Life has funny twists and turns. I've got a feeling this is just the very beginning of a brand new journey. I can be the CFO in 2yrs' time For sure.

    I've also been super organised with Christmas and I'm almost done. Got the panto booked, most presents sorted, advent calendar bought and Santa letter ordered. I just have to come up with one more present for DS. All of this will be very helpful when I'm busy in my new role Nov/Dec.

    I am now just really looking forward to starting to save again. It won't take me long to go back to where I was at the beginning of the year, 6 months max and then we're ready to buy our house. Looking forward to that!
    • TheMagician
    • By TheMagician 3rd Nov 18, 10:23 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    What an amazingly productive Saturday it's been

    Did my usual morning workout, made a few phone calls, did the weekly shop, got the laundry done, cleaned out the fridge, defrosted the freezer, hovered up, changed the hammies and took the rubbish out. Phew! I then ordered the last few Christmas presents. I am now officially done. The only thing left to get is chocolates but I am NOT buying those until the last minute because somehow they always get eaten

    I also ordered myself 3 pairs of new shoes for work - stilettos, flats and ankle boots.
    I still need dresses, skirts and shirts/blouses but that's tomorrow's job.

    Then I drove me, DS and my bestie to the bonfire. We had such a great time, the bonfire was absolutely humongous and the fireworks were fantastic. Afterwards we went to his grandparents to fetch a fridge he needed to take to his apartment. Only just fit into my car.
    He's also giving me his bike, will need to pick that up next week.

    Home now. Bath, book, yoga, meditation and bed. Time for some rest
    New day tomorrow
    • TheMagician
    • By TheMagician 5th Nov 18, 7:18 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    What a day! Got so much done.

    Had to call back to decline a job... That's never nice but the offer came in late and I'd already agreed to the other one. The CEO wants to call me to try and change my mind They're always stubborn But all things considered, I've made the right decision and my new job offers me experience I could have only dreamed of.

    I then went for lunch for my friend. Went back to his to pick up the bike. Whilst there, I noticed a handheld hover and told him DS has been after one for ages, he's a clean freak. So he gave that to me as well. I cycled home So much fun. Got his kryptonite lock as well so the bike will be safe. The reason he's getting rid of stuff is because he's moving for work for a little while so I'll look after it for him.

    I then managed to finally sort out the fobs for the apartment building for DS. It's been a nightmare but I finally got there by using the tactic of 'you'll get sick of hearing from me so just give me what I need'

    And then I went on an ASOS shopping spree Dresses, skirts, jeans and tops, arriving later on this week so I can decide what to keep and what to send back. 10% student discount too

    I'm now attempting to wash my winter coat The label said it was fine to go into the washing machine so we'll see. I'm getting as ready as I can be for my new job, everything either new or cleaned.

    Finally, for any bookworms like me out there. Got a great book suggestion - The Biology of Belief. Blows my mind... Well worth a read.
    • TheMagician
    • By TheMagician 31st Dec 18, 8:22 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    It's been ages but I wanted to log on as it's New Year's Eve and it always stands for a new start to me.

    I've been on holiday with my family for a week and still have another week to go. Been very busy but had some time for reflection, especially today.

    2018 was an incredible year. I quit my job, ended my relationship, qualified as a chartered accountant, interviewed like crazy and accepted a new job. Unfortunately, my grandad also passed away three days after my birthday, I've still not come to terms with it.

    It has been life changing, it has been hard, it has been very rewarding.

    I am welcoming 2019 with open arms. I know it'll also be challenging, I have many goals and aspirations which I'll post at some point. But I'm looking forward to it. I believe, 2018 and 2019 combined will be the building blocks for the rest of my life.

    Happy New Year's Everyone <3
    Last edited by TheMagician; 26-01-2019 at 1:28 PM.
    • TheMagician
    • By TheMagician 26th Jan 19, 1:27 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    It's been a while again, I don't seem to be updating this diary often currently as there is just so much going on.

    I've been in my new job for almost 3 months now. I am absolutely blessed because my director and CFO are both the nicest people you could ever meet. We have an amazing relationship and I feel free to always share how I feel, how I'm getting on and any issues I'm facing. I also get on great with many of my other colleagues as well as people across the business. Employees here really are fantastic. I get to work from home and they are flexible with my hours. I feel so grateful for how I'm being treated knowing from past experiences that it's not always like that.

    So that's the good. The tough is that my job is very busy and very challenging. I am still learning loads as the position is all new to me. There are a number of projects where I'm leading from the finance point of view are there are many requests from the execs. But my growth has been incredible and I'm already seeing a huge difference in comparison to where I was.

    Back to the very good Managed to save almost 3k in Jan and will save 2-2.5k from thereon depending on annual bills and other commitments. We'll definitely be buying the house this year and I have picked out the area. I will start looking around April time, I'd like to buy by Sept.

    Due to the above, we're keeping our holidays lowkey this year. Got a week booked in the Lake district and a week to see a friend in Austria. Will keep it as cheap as possible. My mind has absolutely been on my money, constantly. Will make this house purchase happen.

    Home has also been very busy. Loads going on with DS, school and my mum as well. I sometimes (often) feel like I am being dragged in two different directions. For eg. I was working from home yesterday, had a conference till 11am, meeting at DS's school at 11.10am and then another conference at 11.30am. Good job I live across the street from school but that is literally my life right now

    I feel like all I have to do is ride this out. There are so many positives, I just need to focus on those and get my head down and do loads and loads of work. It's all about work this year. Everything else will come later.
    • TheMagician
    • By TheMagician 2nd Feb 19, 8:35 PM
    • 277 Posts
    • 583 Thanks
    TheMagician
    Have had a fantastic week at work. Taxing but very rewarding. Learning so much every single day. I'm starting to see loads of progress which is great

    On the money front, I've set myself a little spreadsheet. I've got a set amount of savings that I want to achieve in the month, that gives me the budget for everything that's not bills and I'm tracking that. I've added all the things I want to do and buy in Feb and that's left me with about 100 which should be enough. I already track all of my spending so this is just to make sure I keep within the budget.

    I've also realised that I have a kids' savings account that pays 2% on 5,000. That'll do me for a couple of months as I've been looking at accounts that pay interest and there's not that much going around.

    Have had a really productive Saturday. Picked up a few parcels, DS had a playdate, caught up with a friend over the phone and got the weekly food shopping delivered. Practiced my German - been re-learning that since the NY as I used to be fluent and we're going to Austria in April. Got dinner to cook and yoga to do, a few videos to watch as well.

    Tomorrow we're going pottery painting - it'll be so much fun and it's in the budget
    • submarine76
    • By submarine76 5th Feb 19, 10:44 AM
    • 106 Posts
    • 352 Thanks
    submarine76
    I'm having a catch-up after a long absence, glad to hear things are all going so well for you - especially with qualifying and the new job, well done!
    LBM 11 Nov 14 DFD 1 Feb 18 now 5 Sep 17
    CC 7,666.00 now 0 Car Loan 10,201.30 now 0
    Tesco Loan 2,806.58 now 0 Santander Loan 3,000.00 now 0
    Overdraft 1,000.00 now 0
    Total 25,013.98 - now 0
    Emergency Fund 1200.00 Savings 320.00 Mortgage 82,747.06
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