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  • FIRST POST
    • doingitanyway
    • By doingitanyway 14th Jan 16, 5:50 PM
    • 3,059Posts
    • 15,841Thanks
    doingitanyway
    Dancing in the Rain
    • #1
    • 14th Jan 16, 5:50 PM
    Dancing in the Rain 14th Jan 16 at 5:50 PM
    Four years ago I was transitioning from freelance creative work to being an employee. I had rising debts because my outgoings exceeded my rubbish freelance income and I couldn't find a job. My home had repairs I couldnít do. I felt as if my life was in a downwards spiral.

    There have been/will be changes good and not so good and these changes have prompted my new diary.

    GOOD CHANGES:

    Iíve made some progress on emergency repairs and now have a wonderful new boiler (so I am warm!)

    I work for a brilliant charity and have done for the last 3.5 years. I know I could earn more, but I enjoy my work, I do something worthwhile and it fits in with other things I want to achieve that are equally important to me. They are now agreeing (from March 2016) to me working full time with 2 days working from home. This is a work balance that will allow me to be creative, and improve my income so I can achieve my 2016 goals

    This is the year I become mortgage free.

    NOT SO GOOD CHANGES:

    My debt has increased from £12,000 to £24,822

    After much thought I have realised what my priorities should be for 2016. I want a dog and a small car and a trip to New York but those are WANTS that I canít have, at least not this yearÖ

    I have set goals for 2016 and these goals work towards my overall plan for 2020. Each year there will be an overarching priority and 2016 my priority is HOUSE. I have a schedule of works from which I will set house goals


    House, decluttering,creativity, social, house, health, finances, nurturing, environment, organisation and future self

    I will also do a weekly, how I saved money this week update on Fridays

    I sound frighteningly organised donít I? This is me getting seriousÖbut I have a real problem dealing with workmen and having them in them in my home!!!! so I'm also bit of a coward-custard deep down too

    This isnít always going to be fun, I get that. But no more putting my head down and waiting for the storm to pass. As often as I can I will get out there and dance in the rain!

    Come and support me when you can
    Last edited by doingitanyway; 20-12-2017 at 9:14 PM.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
Page 106
    • beanielou
    • By beanielou 2nd Jan 18, 8:13 PM
    • 55,042 Posts
    • 219,849 Thanks
    beanielou
    I find apples work best for me. The sugar in bananas is too great and leads me to want other sweet food. For me it is apples or hard pears. We will get there beanie
    Originally posted by doingitanyway
    We will indeed
    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.
    • Tinkerbelle2000
    • By Tinkerbelle2000 2nd Jan 18, 9:17 PM
    • 573 Posts
    • 2,038 Thanks
    Tinkerbelle2000
    Nice to hear from you Tink! I hope all is going ok for you?
    If you have given up smoking
    You'll get the weight off in time
    So many cheese loving people on this site ...
    Originally posted by doingitanyway
    I have given up smoking thankfully. I was hardly ever getting a NSD and that drove me crazy! I have nearly 2 stone to shift but I'm not in a rush, no holidays booked.

    Well done on your zero day today.

    Tink xx
    As of 1st January 2018:-
    DEBT 1-£38.96 DEBT 2-£45.00/£141.10 DEBT 3-£0/£297.00DEBT 4 - £5.00/£644.12
    DEBT 5-£0/£700.00 DEBT 6-£5.00/£720.02 DEBT 7-£100/£1479.65 DEBT 8-£53.20/£1576.80
    DEBT 9-£0/£1622.49 DEBT 10-£0/£2300.00 DEBT 11-£118.57/£2722.44 DEBT 12-£0/£4349.39
    EMERGENCY FUND - £10/£1000
    • parsniphead
    • By parsniphead 3rd Jan 18, 12:07 PM
    • 2,505 Posts
    • 15,979 Thanks
    parsniphead
    Brilliant DIA

    I don't have a five year plan but its a great idea.

    Exciting times ahead.
    My mini challenge: pay off MBNA by 31/08/18. £233.10/£502 46.43%
    Total outstanding consumer debt - £333.10/ £7864.52 4.23%
    Without ambition one starts nothing. Without work one finishes nothing. The prize will not be sent to you. You have to win it.Ē -Ralph Waldo Emerson
    • doingitanyway
    • By doingitanyway 3rd Jan 18, 5:32 PM
    • 3,059 Posts
    • 15,841 Thanks
    doingitanyway
    NSD number 3
    My third NSD

    Last month I bought some cold pressed avocado oil as it was half price in MnS. Still £3 so not cheap. This evening I made a salad dressing with avocado oil, tahini and a touch of garlic and white wine vinegar. The dressing was green and lush. Definitely a good buy

    The tummy, headache and mucus that I attributed to sheepís cheese is still with me so it is not dairy causing the issue. It must be to do with the flu bug I had. I am still not eating dairy, however.

    I did not think I was much of a drinker but I could use a glass of fizz this evening.

    I ate early just now. I am starting to use prepped cauliflower rice. Today I ate a stuffed pheasant breast. It was £5! But I paid £1.45. I had lots of cauliflower and some leftover sprouts. The truth?
    I could still eat the meal all over again.

    I have a 100% success rate eating and drinking wise

    Off to make some tea. Oh, and eat an appleÖ

    I hope your day went well
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 3rd Jan 18, 7:18 PM
    • 55,042 Posts
    • 219,849 Thanks
    beanielou
    I bought apples today
    Unfortunatly or not also got profiteroles reduced to30p
    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.
    • doingitanyway
    • By doingitanyway 4th Jan 18, 7:35 PM
    • 3,059 Posts
    • 15,841 Thanks
    doingitanyway
    avoiding the crisp aisle
    I was off work today.

    Burnt peppermint oil and drank coffee to wake me up. Where I have not been 100% Iíve been sleeping late. Next week I am in the office so I am training myself to get up earlier in the morning. Up 30 minutes earlier than yesterday. By next week I should be able to get up before 6am again.

    I had an issue with my boiler but I worked it out all by myself

    A woollen wash today. I took a cashmere jumper out of the rubbish to wash as I found an upcycling organisation. If you donate a clean 100% cashmere jumper they make you a pair of fingerless gloves as a thank you. They are called Turtledove. I love this idea and it makes it easier it part with old cashmere.

    Lid1 today and their organic range of veggies is getting better. Got tomatoes, carrots, apples and onions. All very reasonable Kale not organic but kale not sprayed so okay.

    I was not lucky with YS today so paid full price for organic sweet potatoes and organic spinach. I have lots of stock so I will make soup.

    I shopped without entering the crisp aisle or the booze aisle.

    Back at work tomorrow

    Hope you had a good day
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Cumbria lass
    • By Cumbria lass 4th Jan 18, 8:36 PM
    • 1,901 Posts
    • 11,578 Thanks
    Cumbria lass
    Well done avoiding the crisp aisle ! I love apples and pears. The turtle dove idea sounds great , may take a look myself .
    CC1 £3475 May 2018
    • redofromstart
    • By redofromstart 5th Jan 18, 5:23 PM
    • 1,763 Posts
    • 10,753 Thanks
    redofromstart
    The upcycling thing sounds great, I had looked at their fingerless gloves before. I took my long cashmere mix cardigan out of the wardrobe this morning and realised a moth has been having a lovely munch on one side. V sad.
    • doingitanyway
    • By doingitanyway 5th Jan 18, 5:45 PM
    • 3,059 Posts
    • 15,841 Thanks
    doingitanyway
    I took my long cashmere mix cardigan out of the wardrobe this morning and realised a moth has been having a lovely munch on one side. V sad.
    Originally posted by redofromstart
    They only like good stuff
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 5th Jan 18, 5:47 PM
    • 3,059 Posts
    • 15,841 Thanks
    doingitanyway
    Goggle eyes
    Still craving wine tonight, more than chocolate and that surprises me. Who knew?

    I slept so well last night that I can see now I had not been sleeping so well before.

    No headache or other issues so maybe the lingering bug has now gone. At last

    I have started watching too much TV again in the evenings. Maybe because Iíve been unwell or long dark evenings? I donít know whether to go all draconian or when I begin going to the gym after work I could make those evenings TV free. (Probably the latter. ) There are already enough things I am stopping doingÖ

    I bought some almond butter as it can be nice with apple and makes for a more satisfying snack.

    I made soup today.

    A machine load of washing done

    I am starting to get fed up with my job. Iíve been there 5 years, a long time for me. Perhaps it is time to move on but I want to do so much in the next few years and iím scared Iíll start a new job and get fed up and jump, ending up with nothing. Iíve been there before and it isnít a nice place to beÖMore thinking required...

    I hope you had a good day
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • redofromstart
    • By redofromstart 6th Jan 18, 9:57 AM
    • 1,763 Posts
    • 10,753 Thanks
    redofromstart
    Are there options to stay at the same place but change what you do? They seem quite flexible and supportive from your posts.
    • doingitanyway
    • By doingitanyway 6th Jan 18, 2:29 PM
    • 3,059 Posts
    • 15,841 Thanks
    doingitanyway
    sick of the rat race
    Are there options to stay at the same place but change what you do? They seem quite flexible and supportive from your posts.
    Originally posted by redofromstart
    You are right Redo. I must say more than I know as if I had to list the positives of my job I would say being supportive and flexible are in the top three.

    One of the people I work with is mega work shy and I find people who are unfair to others really hard. I know I should just focus on my work and let it go but it seems I cannot.

    I spent the whole of yesterday evening searching for a new job and there is nothing out there. Plus, I rather like my actual job and would no doubt have stuff I didnít like in any new job tooÖ

    I need someone to leave so I can do a 4 day week ASAP

    Work has counsellors for free so I might book a few sessions and find ways of coping for now.

    Ideally, I would like to hang on in this job until I am in my new home and can get a lodger.

    In other news my task is to open a new bank account so I can separate allocated money and spending money. The new bank account comes with access to a home care plan for a reasonable fee and Orange Ena alerted me to it months ago and I have done nothing. If I am not going down the YNAB route I need another approach to budgeting as I donít budget properly.

    My second task is to go to the library and order a book. This will force me to walk somewhere and I intend to use the library in 2018 so I might as well begin

    I canít wait for this work day to come to an end.

    Still not eating chocolate or crisps although once again I am drawn to a glass of fizzÖ

    The new dress in a smaller size arrived and it fits. I could wear it out but it will look even better if I lost half a stone. Lovely dress and a total bargain as I saved £112, paying only £48. Very pleased with it

    Hope you are all having a lovely day
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 6th Jan 18, 8:38 PM
    • 55,042 Posts
    • 219,849 Thanks
    beanielou
    Happy new dress

    I love the library
    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.
    • Orange Ena
    • By Orange Ena 6th Jan 18, 10:52 PM
    • 1,254 Posts
    • 3,328 Thanks
    Orange Ena
    Ah well done on the winning the crisps and chocolate battle DIA, you're a stronger gal than me!

    You know I can totally sympathise with work issues and knowing what to do for the best. It's so tough wondering what to do, what order to do things in, worrying about everything, having interviews Counselling sounds like a great idea and will hopefully help clarify things for you. But I guess you're in a great position with being mortgage free and about to be totally debt free so that's one less worry. I'm sure being debt free in life gives you options, for me it feels like that. When I had nearly £7k of debt, I felt trapped by it and it stopped me from moving house and leaving my job

    Have you tried YNAB? I can't remember! I love it, but I've only got the older version. It takes a bit of getting your head round and I probably don't use it to its full potential but enough to make a huge difference to my life.

    Have a great week
    CC Debt April 2015 - £6895.44 April 17 - £2500 Dec 17 - £560
    CHEFS challenge (Cruise Holiday Entirely Funded by Surveys) - £374.47
    Every penny is a prisoner
    • Eager_Elephant
    • By Eager_Elephant 7th Jan 18, 7:33 AM
    • 4,406 Posts
    • 25,240 Thanks
    Eager_Elephant
    One of the people I work with is mega work shy and I find people who are unfair to others really hard. I know I should just focus on my work and let it go but it seems I cannot.

    I
    Originally posted by doingitanyway
    So sorry to read that you have a work shy colleague - I also have one but luckily she has just handed in her notice

    I work for a very small charity and they have never really had a person like her before and my manager likes the good parts of being a manager but hates confrontation so even though me and others would moan nothing would get done.

    We moved across to peer based appraisals in the last few years and earlier in the year we had to peer review her and she scored so low, then by co-incidence she quit part of her job (she was a team leader) and the manager decided the peer review could not be used as she was not in that role any longer and to wait 3months while she did her new role.
    You all know what happened after 3 months - yup, we peer reviewed her again and scored her really low. The manager was genuinely shocked and of course had to show her the results (anonymous) and things all came to a head and it was agreed they would performance manage her which did not go down well.

    Fast forward a month or so and she has not been performance managed but her apathy for work can no longer be hidden to the whole organisation (we have various teams) and things came to a head before xmas and she had a meeting and instead of accepting her part she decided to quit.

    My manager asked what I thought and I said that I would rather have 1 less colleague and do more work than have the colleague and still have to cover her work as it just frustrates me that she gets away with doing not much while we are all so busy.

    Its going to be interesting to write in her leaving card.

    How are supervisions or appraisals managed at your place DIA?
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • Cumbria lass
    • By Cumbria lass 7th Jan 18, 8:24 AM
    • 1,901 Posts
    • 11,578 Thanks
    Cumbria lass
    DIA glad to hear you are physically feeling better. Re work, the only reason I stay with my employer is because of the great flexible working arrangements and how good they have been . I would love a better paid job and can try internally if any come up. It!!!8217;s a hard thing to weigh up these days , as you know I do my 4 days a week 9 hours a day , then have granddaughter Friday , I must say I do enjoy it .

    Well done on no crisps and wine , my downfall is cheese .
    CC1 £3475 May 2018
    • RosaBernicia
    • By RosaBernicia 7th Jan 18, 6:16 PM
    • 3,498 Posts
    • 9,346 Thanks
    RosaBernicia
    It's a difficult balance isn't it.

    I am very grateful for many aspects of my current job, but starting to find that I'm no longer challenged. It also ties me to this area when I wish I could live in a different landscape.

    Definitely going to be a question for me this year too, whether to just accept that it's to pay the bills and focus on other things, or make a jump so I know I've tried.

    Sorry DIA no helpful answers there but very interested to hear more about what you decide!


    Rosa xx
    Debt free May 2016
    MFW progress 3.3% ...
    Campervan loan progress 0%

    • doingitanyway
    • By doingitanyway 7th Jan 18, 6:52 PM
    • 3,059 Posts
    • 15,841 Thanks
    doingitanyway
    work?
    Really helpful comments from you all. Thank you.

    Orange Ena
    Being MF and DF will put me in a great position and I am grateful for that. I will need to use this newfound freedom well. I will be working 4 days and there is 1 salary so I need to continue to be Ďcarefulí whilst finding new ways of being that make me happier. Work is something I have to think long and hard aboutÖ

    I want to think big in 2018 and beyond. Whenever I have reached outside of what I thought was possible for me I have done it. But over the past decade, for a variety of reasons, I have lost confidence. You gave up your job, moved home and even your CHEFs challenge are examples of thinking big. I too want to begin to take risks. I want to jump, confident that I have created a sizeable net

    Eager Elephant
    Your story resonated with me. Iím glad it isnít just me that struggles with people who refuse to do their share. Lucky you that your work shy colleague is going. Mine was promoted Yours was too. Some work shy people are good at impressing bosses. We donít have peer appraisals and I did complain about this person in the past. So I need to keep quiet now and find a way of dealing with my reaction to their behaviour either short term or longerÖ.

    Cumbria Lass

    I know what you mean about flexibility and also as Redo said support, it is why I stay there. That and the work itself. It certainly isnít the pay. I could earn more and yetÖ
    Your longer 4 days a week sound perfect for you and you sound happy with your job. That is so important and money isnít everything

    Rosa
    I know what you mean. I guess I am thinking I need something stable until I have safely moved. This year will be stressful for me as I tackle the house repairs and look for a new home. It scares me and maybe I will keep the job as a constant until all the other chaos settles. That said, I fully intend to get some counselling to support me this year. There are free sessions at work that I will be taking them up on!

    I hope you all had lovely relaxing Sundays
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Cumbria lass
    • By Cumbria lass 7th Jan 18, 7:23 PM
    • 1,901 Posts
    • 11,578 Thanks
    Cumbria lass
    Another thing I always say as well is I think it depends where you are in your career, I am not bothered about promotion etc. I just want to go to work , do my job and come home . My job is stressful in its nature but only short lived stress . My career was in another industry of which I left and am glad I did.

    On wind down to retirement, be it 5 or 10 years away.
    CC1 £3475 May 2018
    • doingitanyway
    • By doingitanyway 7th Jan 18, 7:33 PM
    • 3,059 Posts
    • 15,841 Thanks
    doingitanyway
    You are right Cumbria Lass, I too do not want promotion. My ambitions are outside of the work place that pays my regular salary. I would like to retire early but continue to make a bit of money in other ways
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
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