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  • FIRST POST
    • doingitanyway
    • By doingitanyway 14th Jan 16, 5:50 PM
    • 3,041Posts
    • 15,073Thanks
    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 119
    • doingitanyway
    • By doingitanyway 3rd Mar 18, 8:35 PM
    • 3,041 Posts
    • 15,073 Thanks
    doingitanyway
    I am not so short of cash now that we have to suffer.

    What I have now stopped doing is buying things I am not that fussed about just because they are on offer or are reduced. It is hard to get out of the 'but its a bargain' mindset.

    I was thinking of you earlier, I have two lovely bunches of flowers at the moment (lovely white bloom &wild ones from my sister for my birthday and pretty pink work leaving lillies and roses) and you are right, they are an investment that makes me smile. I need to go back to buying flowers, or growing some to cut from the garden.
    Originally posted by redofromstart
    I think you have touched on something here. I am still in the bargain mindset and forget whether I like the thing I am buying to eat.
    Re flowers my niece reminded me that I used to ALWAYS have flowers. I want to get back to that too Enjoy your flowers
    Yes, you can get the Dyson & get it delivered.
    Saves you having to lug it home
    Enjoy the rest of your weekend.
    Originally posted by beanielou
    Will do. Thanks beanie
    Last edited by doingitanyway; 03-03-2018 at 8:37 PM.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 3rd Mar 18, 8:37 PM
    • 54,098 Posts
    • 214,493 Thanks
    beanielou
    So do you make your debt payments at the end of the month?
    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 3rd Mar 18, 8:39 PM
    • 3,041 Posts
    • 15,073 Thanks
    doingitanyway
    So do you make your debt payments at the end of the month?
    Originally posted by beanielou
    Yes I do Beanie
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 3rd Mar 18, 8:41 PM
    • 54,098 Posts
    • 214,493 Thanks
    beanielou
    Yes I do Beanie
    Originally posted by doingitanyway
    Not too long to go then
    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 3rd Mar 18, 8:43 PM
    • 3,041 Posts
    • 15,073 Thanks
    doingitanyway
    Not too long to go then
    Originally posted by beanielou
    Sshhh, I'll scare myself if I think about it
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • in need of direction
    • By in need of direction 4th Mar 18, 12:15 AM
    • 5,009 Posts
    • 28,826 Thanks
    in need of direction
    my only diet rule is that i will only ingest calories i enjoy
    Last edited by in need of direction; 04-03-2018 at 10:22 PM.
    Mortgage at 01.01.14 £119,481.83 today £75,897.72, target £65,000 by 31/12/18 Offset fund today £227.27 target £5,500 by 31/12/18
    Emergency fund £0.7/5.5k & £200/200 cash.
    Current weight loss RUBBISH need to refocus
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • doingitanyway
    • By doingitanyway 4th Mar 18, 1:30 PM
    • 3,041 Posts
    • 15,073 Thanks
    doingitanyway
    soup=happiness?
    Today I am WFH and made black bean, kale and lentil soup.

    OMG soup is delicious. I used frozen turkey carcasses and they make the best soup Two bowls eaten

    I also cooked some quinoa using the turkey stock. That is in the fridge.

    Black beans are in the fridge waiting to be turned into black bean burgers at some stage

    Lots of stock in the fridge waiting to be made into yet more soup later in the week

    Whenever I make good soup I feel happier. What is that about??

    Hope you are all enjoying your Sunday
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 4th Mar 18, 7:23 PM
    • 54,098 Posts
    • 214,493 Thanks
    beanielou
    Glad you have had a good day.
    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.
    • Poor_Single_lady
    • By Poor_Single_lady 4th Mar 18, 8:19 PM
    • 1,388 Posts
    • 5,366 Thanks
    Poor_Single_lady
    I love cooking too . I actually like doing washing and cleaning my kitchen. I'm a totally rubbish feminist!

    Every time I make soup it feels a bit rubbish but I think it takes some practice to get right. You sound like you have it down. xx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • redofromstart
    • By redofromstart 4th Mar 18, 8:25 PM
    • 1,685 Posts
    • 10,113 Thanks
    redofromstart
    PSL I used to make awful soup, and really poor stock with the chicken carcass. Its quite liberating to give yourself permission to stop even trying. I'm better at ones with a proper recipe, and tend to stick to the simple ones I know I do well now.

    DIA well made soup is a wonderful thing, its just good comfort food isn't it, full of goodness in every mouthful.
    • RosaBernicia
    • By RosaBernicia 4th Mar 18, 8:43 PM
    • 3,475 Posts
    • 9,235 Thanks
    RosaBernicia
    I love cooking too . I actually like doing washing and cleaning my kitchen. I'm a totally rubbish feminist!
    Originally posted by Poor_Single_lady
    I think doing what you like makes you a good feminist, not a bad one...
    Debt free May 2016... MFW progress 2.3 2.8% 3.1% 3.3%


    • in need of direction
    • By in need of direction 4th Mar 18, 10:23 PM
    • 5,009 Posts
    • 28,826 Thanks
    in need of direction
    I agree. I also like cleaning up a kitchen.
    Mortgage at 01.01.14 £119,481.83 today £75,897.72, target £65,000 by 31/12/18 Offset fund today £227.27 target £5,500 by 31/12/18
    Emergency fund £0.7/5.5k & £200/200 cash.
    Current weight loss RUBBISH need to refocus
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • JoJoC
    • By JoJoC 5th Mar 18, 10:29 AM
    • 1,800 Posts
    • 6,586 Thanks
    JoJoC
    All this talk of soup is making me hungry! I'd love some soup for lunch but today's lunch is salad Poor choice for such a cold day but stuff to use up unfortunately.

    I dislike cleaning, but love a clean kitchen.

    Hope you had a lovely weekend!
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
    • doingitanyway
    • By doingitanyway 5th Mar 18, 6:39 PM
    • 3,041 Posts
    • 15,073 Thanks
    doingitanyway
    positive and not so positive...
    Nice of you all to stop by with nice comments

    Positive outcomes from today

    My private class is on my day off (today) It takes me 2 hours (round trip) on a good day. Today was not a good day so 2 hours and 45 minutes. In addition I pay £8 in fares to get there. As you know, my work pattern is changing so I need to be careful I am not using my spare time poorly. In the Summer my group will change to a day I work. I will do it in the evening. This will cut my travel time in half, give me back a whole day and save me £16 a month.

    The group initially said they could not make it but now they have settled and all say they can after all. I did not negotiate. I offered them what I had and it was up to them (thank you Redo for this wise approach that I will use always

    This work that I love is in part thanks to JoJo who offered a new approach when I was about to turn this work down due to stress.

    I took soup with me today and it was delicious and saved me from buying lunch

    I saw The Shape of Water today after I finished tutoring. What a treat. I am pleased to have enough Ďgiveí financially to allow me to see films again on a regular basis

    Not so positive outcomes from today

    I shopped for food without a list

    I spent too much

    I did not call the tradesmen (I was out all day)

    Tonight I will be making frantic shopping lists and ordering an online shop partly to get 5 litres of water to store under my bed in case we are cut off

    On balance I am claiming a good day I hope you can claim one too
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 5th Mar 18, 9:12 PM
    • 54,098 Posts
    • 214,493 Thanks
    beanielou
    Good news on the private class.
    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 7th Mar 18, 5:44 PM
    • 3,041 Posts
    • 15,073 Thanks
    doingitanyway
    office politics and silly procedures
    A demoralising day. Rubbish is happening at work. My job has many advantages and is very flexible but once again I am wondering if I can possibly survive here until I can do what I need to do on the house.

    I looked for a new job this afternoon and there is nothing better out there for me right now, so I need to stay calm and stay put for now.

    I need to do the house so I must stick at this job for now. I need to keep my eyes on the prize. Do up the house and then move. Then get a lodger. Then I am freer again and can formulate a new way forward

    I hope your day treated you well reader.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • redofromstart
    • By redofromstart 7th Mar 18, 5:51 PM
    • 1,685 Posts
    • 10,113 Thanks
    redofromstart
    Sorry you had a rubbish work day, like you say sometimes you just have to focus on the end game.

    ETA one of my coping strategies is to have 'inner music' that I can sing in my head to cheer me up as I can't do mental pictures of the end vision. 'Always look on the bright side' has got me through the last few weeks.
    Last edited by redofromstart; 07-03-2018 at 5:53 PM.
    • doingitanyway
    • By doingitanyway 7th Mar 18, 5:53 PM
    • 3,041 Posts
    • 15,073 Thanks
    doingitanyway
    Sorry you had a rubbish work day, like you say sometimes you just have to focus on the end game.
    Originally posted by redofromstart
    Thanks redo. You are right. I need to suck this up and keep going unfortunately
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • JoJoC
    • By JoJoC 7th Mar 18, 5:56 PM
    • 1,800 Posts
    • 6,586 Thanks
    JoJoC
    Sorry to hear about the crap at work. I hope it settles down soon and it makes it a bit easier to get through what you need to before moving on.
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
    • redofromstart
    • By redofromstart 7th Mar 18, 5:58 PM
    • 1,685 Posts
    • 10,113 Thanks
    redofromstart
    In my experience of supporting employees and issues people can make you very unhappy at work if you let them. 'everything is awful' is a self-fulfilling prophecy, and its easy to look for reinforcing behaviours without even realising you are doing it.

    Pick a good thing that happened today and focus on it. For me it was flowers from people who I put through a nasty process. The nasty taste is still there but the flowers made me smile and appreciate that they way I work can make a difference to people even if the job or company itself is nasty. Hope this helps a little.
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