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  • FIRST POST
    • AlexLK
    • By AlexLK 8th Mar 15, 11:07 PM
    • 6,066Posts
    • 32,094Thanks
    AlexLK
    Renovations and Repayments.
    • #1
    • 8th Mar 15, 11:07 PM
    Renovations and Repayments. 8th Mar 15 at 11:07 PM
    Hello and welcome to visitors familiar with my journey thus far and are surprised to see me on such a sensible board and a further warm welcome to the new faces wondering what they've let themselves in for.

    Let me begin by clarifying a few points: the first one is I am not sure whether I'm actually serious or not about clearing my mortgage and the second is the fact my house needs quite a bit of work doing to it. This work I do myself and in the time my wife and I have lived in the house we've learnt all kinds of new skills. The current project involves renewing the windows and I am making the frames myself, two are done and I'm pleased to say look great.

    I plan to use this mortgage free (how very grown up) diary to document the renovations and my savings activities, out of which overpayments may or may not be made. However, I am fully committed to long term saving and making as much money as possible. A long term goal of mine is to add to the BTL portfolio I shall one day inherit and am already becoming more involved in which is perhaps a good reason to pay my mortgage off and make my current property into an investment.

    Aside from the recent interest in moneysaving I have a four year old son, run my own company, play and teach the violin and piano whilst studying for my own interest. Oh and don't mention the cars.

    Those familiar with my debt-free diary will know I'm not exactly great at record keeping but am trying to improve, so please don't expect the detailed financial updates others seem to put on here. To kick things off, I suppose I ought to confess the mortgage debt is a total of circa 185,000 and I have no real timescale or plan in mind to pay it off.

    Sorry if this is not a particularly articulate introduction, as I seem to be at a loss how to tailor it to both those who've read my debt free diary and to new readers frequenting mortgage free.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
Page 137
    • AlexLK
    • By AlexLK 13th Mar 17, 7:13 PM
    • 6,066 Posts
    • 32,094 Thanks
    AlexLK
    I'd like to think the majority of students who start on PGCE (or any other route into teaching other than Teach First) have decided that teaching is something they can see themselves doing. If that wasn't the case then they'd be using their degree to do some other sort of graduate job or further training. Of course if the school experience during the year convinces you it's not for you then it's better to pull out then than further down the line.

    As a mature student, you're a bit different from many as you're looking for a career change. This can happen with parents who volunteer and sometimes go on to become paid teaching assistants before deciding to train as teachers.

    You are in a position financially to be able to 'suck it and see', many graduates (particularly recent ones) aren't so fortunate so a further year of fees and not earning isn't something they'd commit to unless they were confident it was a job they wanted to go into at least for a few years.
    Originally posted by maman
    I think you are Alex but it's not your fault, it's just the perspective you're coming from which is different to most potential PGCE entrants.

    Most of them can't afford to spend a year just trying something out like that, and they don't have the same level of 'fallback' that you do. Most people, if they are not completely sure they want to teach, will do as you've done, they'll volunteer, they'll tutor etc. but they will generally have made a firm decision before applying for the course that they do intend to teach afterwards.

    It's the same in my profession, nobody does a nursing degree to work out if they want to work in nursing! The tutors will expect you to be committed to teaching from day one, I expect, especially if it's a competitive course and they will have turned away other enthusiastic, dedicated applicants.

    That's not to say it's wrong to drop out if it turns out it's not for you, of course, just trying to explain why others might be a bit taken aback by your approach.
    Originally posted by Red-Squirrel

    I can see myself becoming a teacher and am very committed to the year ahead (have already done a lot of prep work and am continuing to read, teach music, volunteer and be involved in school life). However, surely until trying (as I've already been told on here none of the things I've done so far can really compare) no one really knows if it is for them? My wife thinks I often appear to others in a manner that makes them think I'm trying things to amuse myself and not because I'm serious. I will be somewhat disappointed if I spend the 9,250 on fees and do not wish to enter the profession. Though I'm sure I will have learnt lots and also be in a more informed position regarding my son's education.

    There's not a chance I'm going to be damaging my relationship with my son or my mental health to teach, though. I have recently read a lot of very negative reports which have started to make me wonder if it is the right thing to do. Any expectation of the sort of hours that I used to work and I don't think it will be for me, to be honest.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • hiddenshadow
    • By hiddenshadow 13th Mar 17, 9:45 PM
    • 2,479 Posts
    • 11,343 Thanks
    hiddenshadow
    However, surely until trying (as I've already been told on here none of the things I've done so far can really compare) no one really knows if it is for them? My wife thinks I often appear to others in a manner that makes them think I'm trying things to amuse myself and not because I'm serious. I will be somewhat disappointed if I spend the 9,250 on fees and do not wish to enter the profession. Though I'm sure I will have learnt lots and also be in a more informed position regarding my son's education.
    Originally posted by AlexLK
    I think the point people were trying to make above is that while your logic makes sense and is completely appropriate for your own life, the "usual" PCGE student is more along the lines of: (massively generalising here)
    ...graduated uni, can't get a job, try teaching... (or)
    ...graduated uni, love teaching, jump straight into it...
    either way, post-course is
    ...need to make this teaching thing work because what do I do with my life post-teaching if it doesn't?...(and/or)
    ...oh man I now owe ,+ in debt from taking that year to do this course, must get a teaching job ASAP to pay the bills and get rid of that debt...(and/or)
    ...love teaching, lifetime career, yay!...

    So yes, no one really knows if something is suitable for them until they try it, but most people don't have any other choice but to follow through with the direction they've chosen (at least for a few years to build up their CV and move out of teaching). You have the flexibility (and luxury) to know that you will only work part-time, you could spend 9,250 and a year of your life and chalk it up to an interesting experience/learning opportunity.

    No one's saying you're not approaching it seriously, or seriously intending to teach afterwards, but you are in a rather unique position compared to the average teaching student, your opportunity cost for doing the course is much lower and you have a lot more options available to you at the end of it.
    MFW: 197,100 (2013) to 100,646 (May '18)
    2018 MFW #56: 4,000/105,000 3% / MFiT-T4 #15: 58,854/90,000 65%
    • Dansmam
    • By Dansmam 13th Mar 17, 10:19 PM
    • 546 Posts
    • 1,878 Thanks
    Dansmam
    I think the point people were trying to make above is that while your logic makes sense and is completely appropriate for your own life, the "usual" PCGE student is more along the lines of: (massively generalising here)
    ...graduated uni, can't get a job, try teaching... (or)
    ...graduated uni, love teaching, jump straight into it...
    either way, post-course is
    ...need to make this teaching thing work because what do I do with my life post-teaching if it doesn't?...(and/or)
    ...oh man I now owe ,+ in debt from taking that year to do this course, must get a teaching job ASAP to pay the bills and get rid of that debt...(and/or)
    ...love teaching, lifetime career, yay!...

    So yes, no one really knows if something is suitable for them until they try it, but most people don't have any other choice but to follow through with the direction they've chosen (at least for a few years to build up their CV and move out of teaching). You have the flexibility (and luxury) to know that you will only work part-time, you could spend 9,250 and a year of your life and chalk it up to an interesting experience/learning opportunity.

    No one's saying you're not approaching it seriously, or seriously intending to teach afterwards, but you are in a rather unique position compared to the average teaching student, your opportunity cost for doing the course is much lower and you have a lot more options available to you at the end of it.
    Originally posted by hiddenshadow
    Alex hope you don't mind me commenting but I'm finding this really interesting because your attitude to trying out teaching and the explanations on here about how other trainee teachers are likely to be thinking point to a phenomenon I've worried about for a while. It's all about feeling secure enough to fail and I think you may be surprised to find that's how you are approaching this. Logically you are (cough) a bit older than your average graduate looking for a way in life. So logically they have more time to try it for size, decide not for them and move on to find another way to pay off the fees. But there aren't many people who know they can clear debt the way you did through your business and then move on to other interests and passions- thinking music, teaching, managing your folks business, plus of course mrs k and little k here. You have talent and ability and what flummoxes me is why other talented able people wouldn't happily take the risk of trying out a year's pgce on the basis they'll just walk on if they find it's not for them.
    There's a thing called a poverty mentality that stops people taking chances. I've followed your story and your parents have pulled you down in many ways (due to their own struggles and regrets it seems to me) but they've not stopped you believing you can try out new things and survive whether or not they work out for you. That says a lot about you, and a bit about how you've learned resilience which is a lot of you and also partly from them I guess. The rest I think probably comes from you and mrs K learning people can think differently while being great people who can get along fine. So it's complicated. Sorry, that went on a bit. Wishing you joy and fun times even if you decide you're not a teacher at heart (though suspect you may be)
    Last edited by Dansmam; 13-03-2017 at 11:45 PM.
    • misscousinitt
    • By misscousinitt 14th Mar 17, 2:49 PM
    • 3,611 Posts
    • 20,870 Thanks
    misscousinitt
    Thank you Dansman for mentioning the Poverty Mentality thing - it's very interesting...

    MCI
    Mortgage Free x 1 03.11.2012 - House rented out Feb 2016
    Mortgage No 2: 91,471.25 (11.01.2018)
    OP's to Date 5500

    Renovation Fund:736.95;
    Nectar Points Balance: approx 2.50 (after microwave purchase
    • AlexLK
    • By AlexLK 14th Mar 17, 5:50 PM
    • 6,066 Posts
    • 32,094 Thanks
    AlexLK
    March Targets:

    Total Grocery Spend: 155/>450.
    Surplus Money: 0/750. Mrs K and I need to discuss.
    Going to bed at a reasonable time: 12/31. Last night was a disaster.
    Meditation: 12/31. Only doing the one minute meditation as and when at the moment.
    One new recipe per week: 2/4.
    Read three books: 0/3. Not doing well with this.
    3 Things for Wednesday: 1. Get up and ready for school / work without rushing around, 2. Find three things to smile about, 3. Try another youtube meditation (determined to do this at some point). Same as Monday as I've not really got anywhere with any of the targets as I've been really busy. Plus, I need to send some documents.

    I think the point people were trying to make above is that while your logic makes sense and is completely appropriate for your own life, the "usual" PCGE student is more along the lines of: (massively generalising here)
    ...graduated uni, can't get a job, try teaching... (or)
    ...graduated uni, love teaching, jump straight into it...
    either way, post-course is
    ...need to make this teaching thing work because what do I do with my life post-teaching if it doesn't?...(and/or)
    ...oh man I now owe ,+ in debt from taking that year to do this course, must get a teaching job ASAP to pay the bills and get rid of that debt...(and/or)
    ...love teaching, lifetime career, yay!...

    So yes, no one really knows if something is suitable for them until they try it, but most people don't have any other choice but to follow through with the direction they've chosen (at least for a few years to build up their CV and move out of teaching). You have the flexibility (and luxury) to know that you will only work part-time, you could spend 9,250 and a year of your life and chalk it up to an interesting experience/learning opportunity.

    No one's saying you're not approaching it seriously, or seriously intending to teach afterwards, but you are in a rather unique position compared to the average teaching student, your opportunity cost for doing the course is much lower and you have a lot more options available to you at the end of it.
    Originally posted by hiddenshadow
    Thanks, HS. I hadn't really considered others viewing in that way. Don't think it's really very good for someone's own mental health to NEED to teach even if they don't want to. I also think it wouldn't be good for the class and school either.

    Alex hope you don't mind me commenting but I'm finding this really interesting because your attitude to trying out teaching and the explanations on here about how other trainee teachers are likely to be thinking point to a phenomenon I've worried about for a while. It's all about feeling secure enough to fail and I think you may be surprised to find that's how you are approaching this. Logically you are (cough) a bit older than your average graduate looking for a way in life. So logically they have more time to try it for size, decide not for them and move on to find another way to pay off the fees. But there aren't many people who know they can clear debt the way you did through your business and then move on to other interests and passions- thinking music, teaching, managing your folks business, plus of course mrs k and little k here. You have talent and ability and what flummoxes me is why other talented able people wouldn't happily take the risk of trying out a year's pgce on the basis they'll just walk on if they find it's not for them.
    There's a thing called a poverty mentality that stops people taking chances. I've followed your story and your parents have pulled you down in many ways (due to their own struggles and regrets it seems to me) but they've not stopped you believing you can try out new things and survive whether or not they work out for you. That says a lot about you, and a bit about how you've learned resilience which is a lot of you and also partly from them I guess. The rest I think probably comes from you and mrs K learning people can think differently while being great people who can get along fine. So it's complicated. Sorry, that went on a bit. Wishing you joy and fun times even if you decide you're not a teacher at heart (though suspect you may be)
    Originally posted by Dansmam
    I don't really see not gaining a new career from the PGCE a failure, to be honest. If I do, it will be because I particularly want a career in teaching. At the moment, I think I do to some extent but cannot be sure until I've tried as I understand I can only gain so much of an idea from volunteering etc.

    I did think I'd be the oldest one applying but that wasn't the case. As for the fees, I won't be getting into any sort of debt to pay them, though I think the savings / overpayments are going to be very low that year.

    Trying things is not an issue for me, I'll try most things if I have an interest / curiosity.

    My parents are pleased about the coming year ahead for me. I think they see it as a sign that my mental health is getting better. However, they are somewhat annoyed I won't be able to cook lunch and dinner for them in term time. Funny you should mention my parents; father is coming into sports car boy's school tomorrow to talk about the old days. The current topic is related and I happened to say that I know just the person who'd be delighted to come in to talk about life in the old days, so my father and I have been working on this. We're going to take in quite a few items from the 30's-70's that some of the children may not have seen (I get the collecting from my parents ) and have put together a book of photos / newsclippings to pass around and a set of music that would have been popular. Father is really looking forward to speaking to someone other than I about the old days tomorrow.

    Thank you Dansman for mentioning the Poverty Mentality thing - it's very interesting...

    MCI
    Originally posted by misscousinitt
    Not heard of poverty mentality before, I will have a look into what it is.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • edinburgher
    • By edinburgher 14th Mar 17, 5:55 PM
    • 11,118 Posts
    • 59,698 Thanks
    edinburgher
    My stepfather (aka Dad) retrained as a teacher just a few years before our current ages Alex. Not only was he the oldest student, but he was the only man. 25 years later and he's a highly regarded headmaster. I'm sure he had his doubts, his first job was in a legal firm!
    • hiddenshadow
    • By hiddenshadow 14th Mar 17, 10:07 PM
    • 2,479 Posts
    • 11,343 Thanks
    hiddenshadow
    Don't think it's really very good for someone's own mental health to NEED to teach even if they don't want to. I also think it wouldn't be good for the class and school either.
    Originally posted by AlexLK
    Hopefully (usually?) it's more "better make the best of this, because this is the way it is for now". Though there are a lot of people who just view work as something to be endured, not something to enjoy necessarily. Certainly I think it's a development of the last century or so to be able to seek out something you enjoy doing, rather than having to work the factory/mine/wherever just to put food on the table.

    Hope the day at school with your dad goes well, sounds like it's right up his alley.
    MFW: 197,100 (2013) to 100,646 (May '18)
    2018 MFW #56: 4,000/105,000 3% / MFiT-T4 #15: 58,854/90,000 65%
    • AlexLK
    • By AlexLK 14th Mar 17, 11:16 PM
    • 6,066 Posts
    • 32,094 Thanks
    AlexLK
    My stepfather (aka Dad) retrained as a teacher just a few years before our current ages Alex. Not only was he the oldest student, but he was the only man. 25 years later and he's a highly regarded headmaster. I'm sure he had his doubts, his first job was in a legal firm!
    Originally posted by edinburgher
    Snap! I trained as a solicitor after completing my MA in Music. Kind of fell into that as a now ex-schoolfriend's father was a partner and my parents refused to fund a PhD after I wasted a large amount of money that should have more than funded it.

    I suppose I already know the course is going to be dominated by 21 year old girls (I'm training in primary).

    I greatly enjoy the work I do in schools as well as teaching music pupils and my own son. Therefore, I am hoping this will become a fulfilling career for the long term.

    Hopefully (usually?) it's more "better make the best of this, because this is the way it is for now". Though there are a lot of people who just view work as something to be endured, not something to enjoy necessarily. Certainly I think it's a development of the last century or so to be able to seek out something you enjoy doing, rather than having to work the factory/mine/wherever just to put food on the table.

    Hope the day at school with your dad goes well, sounds like it's right up his alley.
    Originally posted by hiddenshadow
    I think you're likely right re. work. I see it as something to occupy myself as my son is now at school himself and will start to want an independent life of his own as he grows. My wife is out for c.12 hours everyday and my directorship is not particularly consuming or fulfilling. I want to have a purpose to get up in the morning.

    Father will be on his best behaviour, I'm sure! Already he's thanked me for the opportunity to talk to others about the old days and has made me promise to invite him to speak about the old days to a class of my own one day if his health doesn't deteriorate. He has a lot of respect for teachers.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • Dansmam
    • By Dansmam 15th Mar 17, 12:28 AM
    • 546 Posts
    • 1,878 Thanks
    Dansmam
    Father will be on his best behaviour, I'm sure! Already he's thanked me for the opportunity to talk to others about the old days and has made me promise to invite him to speak about the old days to a class of my own one day if his health doesn't deteriorate. He has a lot of respect for teachers. [/QUOTE]

    !!!128521; Way to go Alex. It's all working out for you and yours and you're sounding so happy I have a slight dampness about the lower eyelid. It may of course be a seasonal cold or such !!!128518;
    • Red-Squirrel
    • By Red-Squirrel 15th Mar 17, 12:31 AM
    • 2,663 Posts
    • 7,127 Thanks
    Red-Squirrel
    I suppose I already know the course is going to be dominated by 21 year old girls (I'm training in primary)
    Originally posted by AlexLK

    I think you might be surprised! A good friend of mine has just retrained in primary at 35, and my uncle did his PGCE at 50 and is now teaching maths after decades in business.

    A lot of the younger ones who want to go into primary will do the 4 year BEd I expect.

    I could never have contemplated teaching kids, I've just not got the temperament for it! I do absolutely love teaching student nurses though, its a fantastic feeling to see them do well and use the knowledge and skills they've got from you. I really do hope you enjoy the course, wherever it leads!
    • AlexLK
    • By AlexLK 15th Mar 17, 11:16 PM
    • 6,066 Posts
    • 32,094 Thanks
    AlexLK
    March Targets:

    Total Grocery Spend: 155/>450.
    Surplus Money: 0/750. Mrs K and I need to discuss.
    Going to bed at a reasonable time: 13/31.
    Meditation: 13/31. Only doing the one minute meditation as and when at the moment.
    One new recipe per week: 2/4.
    Read three books: 0/3. Not doing well with this.
    3 Things for Thursday: 1. Get up and ready for school / work without rushing around, 2. Find three things to smile about, 3. Try another youtube meditation (determined to do this at some point). Same as Monday as I've not really got anywhere with any of the targets as I've been really busy. Plus, I need to send some documents.

    We had a meal out tonight. Had a good time apart from I've had a headache so bad this evening that I feel quite sick. Really hope I don't have this tomorrow as I have to go to volunteer school to listen to not only the good violinists but the beginner ones.

    My parents apologised for their selfishness this evening. Father did really well and provided an engaging, informative and entertaining talk. The children seemed to love the clockwork locomotives most of all. When father went, the class teacher asked me if he spoke to me about the old days much. At the point of saying "yes", she said I was lucky and she bet I really enjoyed hearing about it. I said something along the lines of well, not when he's calling saying there's an emergency, only to be told when I'm there that he remembers the registration plate of a car he had 50 years ago.

    Mrs K and I really need to discuss our finances for the month to see how much we can put to one side for the bathroom. It's looking good so far but we've yet to discuss the actual amount. Don't seem to have much time at the moment. Not sure if it's a time management issue or just that we're trying to fit too much into each day. Tomorrow is my son's parents evening and my wife is coming too; she decided she wanted to.

    Father will be on his best behaviour, I'm sure! Already he's thanked me for the opportunity to talk to others about the old days and has made me promise to invite him to speak about the old days to a class of my own one day if his health doesn't deteriorate. He has a lot of respect for teachers.
    Originally posted by Dansmam
    !!!128521; Way to go Alex. It's all working out for you and yours and you're sounding so happy I have a slight dampness about the lower eyelid. It may of course be a seasonal cold or such !!!128518;[/QUOTE]



    Things do seem to be going well at the moment.

    I think you might be surprised! A good friend of mine has just retrained in primary at 35, and my uncle did his PGCE at 50 and is now teaching maths after decades in business.

    A lot of the younger ones who want to go into primary will do the 4 year BEd I expect.

    I could never have contemplated teaching kids, I've just not got the temperament for it! I do absolutely love teaching student nurses though, its a fantastic feeling to see them do well and use the knowledge and skills they've got from you. I really do hope you enjoy the course, wherever it leads!
    Originally posted by Red-Squirrel
    Thank you, Red Squirrel.

    You may be right re. the BEd. To be honest, it doesn't really matter to me who happens to be on my course. I can't say I care if I'm the only one over 30 or if everyone else is female.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • AlexLK
    • By AlexLK 16th Mar 17, 11:14 PM
    • 6,066 Posts
    • 32,094 Thanks
    AlexLK
    March Targets:

    Total Grocery Spend: 175/>450. Doing very well with this.
    Surplus Money: 750/750. We're on track with this.
    Going to bed at a reasonable time: 14/31.
    Meditation: 14/31.
    One new recipe per week: 2/4. Need to come up with something for next week. Any suggestions? Maman, yours are usually good.
    Read three books: 0/3. Hardly finding any time to read.
    3 Things for Friday: 1. Get up and ready for school / work without rushing around, 2. Find three things to smile about, 3. Switch off for an hour - relax.

    3 Things for Thursday: 1. Get up and ready for school / work without rushing around, 2. Find three things to smile about, 1. My wife came to the parents evening with me, 2. The headache had gone by this morning, 3. I had a good night's sleep. 3. Try another youtube meditation (determined to do this at some point) Tried one for negative thoughts. Felt myself slipping into the default of being negative about my life this evening, so searched for a guided meditation rather than thinking about everything I've done 'wrong'.. Same as Monday as I've not really got anywhere with any of the targets as I've been really busy. Busy today too but had a little more time. Plus, I need to send some documents.Still need to do this. Tomorrow is a quiet day.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • AlexLK
    • By AlexLK 17th Mar 17, 9:40 PM
    • 6,066 Posts
    • 32,094 Thanks
    AlexLK
    March Targets:

    Total Grocery Spend: 175/>450. Doing very well with this.
    Surplus Money: 750/750. We're on track with this.
    Going to bed at a reasonable time: 15/31.
    Meditation: 15/31.
    One new recipe per week: 2/4. Need to come up with something for next week. Any suggestions? Maman, yours are usually good.
    Read three books: 0/3. Hardly finding any time to read.
    3 Things for Saturday: 1. Try to have a relaxing day, 2. Find three things to smile about, 3. Do the negative thoughts meditation again.

    3 Things for Friday: 1. Get up and ready for school / work without rushing around, This went well today. 2. Find three things to smile about, 1. Son has decided he wants to swap the LR Defender for a Ferrari Testarossa when he is 17 (saw one the other day). I told him he better forget having a life, get working at my cousin's everyday for the next 11 years and become best friends with my parents. He said a red Spitfire would do instead. , 2. Met my wife for lunch, 3. I didn't feel bad telling my son I won't just give him anything he wants, did tell him an 80's Ferrari shows questionable taste at best though. 3. Switch off for an hour - relax.Turned into a 10 hour day of being out of the house.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • newgirly
    • By newgirly 17th Mar 17, 11:03 PM
    • 6,266 Posts
    • 43,284 Thanks
    newgirly
    He has a good eye for cars Alex, 80's is the new 60's isn't it?
    MFW 21
    Target for 2018 40k/11,092 paid so far

    Mortgage 38,275 4yrs 1mth left. Total owed 50,898 plan to clear in 14 months
    • AlexLK
    • By AlexLK 18th Mar 17, 11:40 PM
    • 6,066 Posts
    • 32,094 Thanks
    AlexLK
    March Targets:

    Total Grocery Spend: 175/>450. Doing very well with this.
    Surplus Money: 750/750. We're on track with this.
    Going to bed at a reasonable time: 15/31. Failed miserably yesterday.
    Meditation: 16/31.
    One new recipe per week: 2/4. Need to come up with something for next week. Any suggestions? Maman, yours are usually good.
    Read three books: 0/3. Hardly finding any time to read.
    3 Things for Sunday: 1. Try to have a relaxing day, 2. Find three things to smile about, 3. Do the negative thoughts meditation again.

    Not had a good day, today. Been feeling very negative about the house and about my life in general.

    He has a good eye for cars Alex, 80's is the new 60's isn't it?
    Originally posted by newgirly
    I'm not a big fan of 80's cars, to be honest.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • newgirly
    • By newgirly 19th Mar 17, 8:58 AM
    • 6,266 Posts
    • 43,284 Thanks
    newgirly
    Please read your march targets Alex, you have reason to feel pleased about those

    I would expect nothing less from you Alex, I'm just sad you have gone through your teenage years not lusting after a nice juicy Capri or a golf gti convertible, or a fiesta xr2i
    MFW 21
    Target for 2018 40k/11,092 paid so far

    Mortgage 38,275 4yrs 1mth left. Total owed 50,898 plan to clear in 14 months
    • AlexLK
    • By AlexLK 19th Mar 17, 9:51 PM
    • 6,066 Posts
    • 32,094 Thanks
    AlexLK
    March Targets:

    Total Grocery Spend: 175/>450. NEED to go food shopping tomorrow.
    Surplus Money: 750/750. We're on track with this.
    Going to bed at a reasonable time: 16/31. Managed to go to bed at a sensible time but couldn't sleep.
    Meditation: 17/31.
    One new recipe per week: 3/4.
    Read three books: 0/3. Hardly finding any time to read.
    3 Things for Monday: 1. Go food shopping, 2. Find three things to smile about, 3. Do the negative thoughts meditation again.

    3 Things for Sunday: 1. Try to have a relaxing day, This just doesn't seem to be happening at the moment.2. Find three things to smile about, 1. Enjoyed a drive out, 2. Dog refusing to give my wife the ball before dropping it by my feet, 3. Managed to make an excellent dinner from things left over in the fridge.3. Do the negative thoughts meditation again Going to do this before I go to bed.

    Saw my brother-in-law and his family today. Wife's brother was not very nice to her (they used to be very close) and she's been very upset since. To cut a long story short, my wife confided in him around Christmas and he didn't like her actions which led to my son and I temporarily leaving. I can see him going back to not liking me very much after telling him it was our choice to give the marriage another go and that is a choice I am so far pleased I made. He likes to interfere in other people's lives and tell them what (he believes) is the "right" thing to do. Wife has been struggling with guilt from some of her past actions recently and this has really knocked her down.

    We did manage to talk about the bathroom project this evening, though and I am coming around to Mrs K's way of thinking as it would be nice to have some of the more modern features, thinking practically. Our target is to have the job completed this summer.

    Please read your march targets Alex, you have reason to feel pleased about those

    I would expect nothing less from you Alex, I'm just sad you have gone through your teenage years not lusting after a nice juicy Capri or a golf gti convertible, or a fiesta xr2i
    Originally posted by newgirly
    Thanks, NG. I am pleased with the March targets, in general.

    I don't mind Capris but wouldn't part with money for one. My son seems to be getting his taste in cars from my wife. We met at a classic car show, I turned up in the GT6, she had a BMW E30 325i. Being young and stupid, she won dinner in a street race ... am quite surprised to this day that she waited for me, to be honest. She keeps talking about getting either an E30 325i Mtec2 in red, an E36 M3 coupe in techno violet purple or a Z4M... our son seems to like all of the above. I'd rather go for the delinquent's choice of the 60's: a Jaguar Mk.2 3.8 MOD.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • newgirly
    • By newgirly 19th Mar 17, 10:20 PM
    • 6,266 Posts
    • 43,284 Thanks
    newgirly
    You do both have very different taste in cars
    MFW 21
    Target for 2018 40k/11,092 paid so far

    Mortgage 38,275 4yrs 1mth left. Total owed 50,898 plan to clear in 14 months
    • AlexLK
    • By AlexLK 19th Mar 17, 10:46 PM
    • 6,066 Posts
    • 32,094 Thanks
    AlexLK
    She also likes old British cars and enjoys driving them. These days she drives the GT6 more than I do. I'll admit I have enjoyed driving the BMWs she's had over the years, it's just the image I don't like. Everyone wants to race you (or they did 7-10 years ago) and the police are far too interested. I recall drifting an MGB around a roundabout during my misspent youth and getting a thumbs up from a policeman... doing that in a BMW would have probably led to losing my licence. Mrs K could get away with it. Last BMW we sold was a Z3 2.8i which was great fun, would recommend, especially to someone not too mechanically minded and with a garage space awaiting.
    2018 totals:
    Savings 7,600
    Mortgage Overpayments 1,750
    • newgirly
    • By newgirly 20th Mar 17, 7:47 AM
    • 6,266 Posts
    • 43,284 Thanks
    newgirly
    Have you been stalking me Alex! A z3 (2.0l though) has just gone up for sale two days ago in the road next to ours, a 1997 black with a new hood for 2k in good condition - not my cup of tea but dh would like it, I very nearly took a walk to have a proper look but stayed strong
    MFW 21
    Target for 2018 40k/11,092 paid so far

    Mortgage 38,275 4yrs 1mth left. Total owed 50,898 plan to clear in 14 months
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