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

Welcome to the MSE Forums

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

Search
  • FIRST POST
    • Courgette
    • By Courgette 26th Jan 18, 6:35 PM
    • 1,732Posts
    • 18,352Thanks
    Courgette
    Courgette resets her sights
    • #1
    • 26th Jan 18, 6:35 PM
    Courgette resets her sights 26th Jan 18 at 6:35 PM
    After a rather extended mfw hiatus, I think it's about time I re-sorted myself out and get back on track!

    DS3 goes to school in September and I've had a lovely few years being a SAHM with a bit of self-employed work chucked in. Our household income is very low though and I need to really start addressing at least my part of this. We've also just had a pretty massive extension done, and although I am beyond delighted with it, it has gone over budget. We now find ourselves in the excellent position of having run out of money before the new kitchen has run out of bills

    So the initial focus of this diary will be to earn and save the money we need to complete the kitchen. It's currently knocked through, plastered and the electric points have been put in but not wired up/made live.

    We've got about 600 left of the building budget which will go on the underfloor heating then we need to crack on and earn more money so we can buy the flooring and pay the electricians.

    Time to crack on!
    A reminder to myself: Persistence Pays Off
    Mortgage 1: 95,000 78,900 at 3.1%
    Mortgage 2 (BTL): 83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): 3000 Plus 6 months emergency savings earning 3%
Page 7
    • Treadingonplaymobil
    • By Treadingonplaymobil 23rd Apr 18, 8:45 PM
    • 1,662 Posts
    • 17,164 Thanks
    Treadingonplaymobil
    Courgette, you really are me! One of the reasons I have turned to considering ebooks/downloads is because my introversion means there is an upper limit to how many client facing hours I can manage in a week without it having a negative impact on everything else. Passive income is definitely where it's at for me too.

    Well done on the camping. I love our tent and we get so much use from it (when the weather is warmer. You wouldn't catch me out in it at this time of year!).
    67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: 38,608 unsecured debt/20,000 parental loan/173,282 mortgage = 231,890
    debt on 9th August 2018: 12,248 unsecured debt/19,970 parental loan/191,323 mortgage = 223,541
    • edinburgher
    • By edinburgher 24th Apr 18, 9:22 AM
    • 11,190 Posts
    • 60,049 Thanks
    edinburgher
    Courgette, you really are me! One of the reasons I have turned to considering ebooks/downloads is because my introversion means there is an upper limit to how many client facing hours I can manage in a week without it having a negative impact on everything else. Passive income is definitely where it's at for me too.
    Originally posted by Treadingonplaymobil
    As someone who has tried a bit of everything (and really, really struggles with social interaction and the whole office "experience"), I've come to realise that "passive" income is actually exhausting and can often be very poorly rewarded.

    For that reason, I'd rather keep up the hours in my day job until the dreamy day where investment income replaces my need to work. Hey ho, only another 50 years or so to go at the current rate
    • Treadingonplaymobil
    • By Treadingonplaymobil 25th Apr 18, 6:06 AM
    • 1,662 Posts
    • 17,164 Thanks
    Treadingonplaymobil
    As someone who has tried a bit of everything (and really, really struggles with social interaction and the whole office "experience"), I've come to realise that "passive" income is actually exhausting and can often be very poorly rewarded.

    For that reason, I'd rather keep up the hours in my day job until the dreamy day where investment income replaces my need to work. Hey ho, only another 50 years or so to go at the current rate
    Originally posted by edinburgher
    I find that although my self employed work (none of it is truly 'passive' yet, but some of it isn't a million miles off) is harder than any office job I've ever done, the payoff for my mental state is well worth it. When I had a 9-5, even a job doing what I loved (similar to part of my work now) every day was a total slog to get out of bed, I used to spend my morning fantasising about suddenly coming down with an illness, or a minor injury that would put me in A&E for the day. And I have never felt lethargy like it. It was the 'daily grind' aspect of employment which totally did for me, alongside my introversion - no incentive to work harder as it didn't mean I could stop earlier or get paid more (I understand that long term I would have got paid more, but I needed something more instant than that ).

    I hugely admire people who have the sticking power to work at a 'proper' job - most of my family are self employed, so I'm blaming it on the parents .
    67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: 38,608 unsecured debt/20,000 parental loan/173,282 mortgage = 231,890
    debt on 9th August 2018: 12,248 unsecured debt/19,970 parental loan/191,323 mortgage = 223,541
    • Courgette
    • By Courgette 26th Apr 18, 10:44 PM
    • 1,732 Posts
    • 18,352 Thanks
    Courgette
    Yes, I agree TOPM. When I worked full time, when I drove in in the morning I used to try to work out the exact speed I would need to crash my car to break a leg and be off work for several weeks but without seriously injuring myself. As much as it sounds easier sometimes to just go back to conventional work, it just doesn't feel like an option to me. That said, I don't want to turn into one of these people who do hours of work and end up earning about 20p an hour.

    I think what I mean by passive isn't exactly passive though, it's more that I get to decide when I put the work in and when I get to focus on not working, for example being able to postpone things when one of the kids are ill.

    I'm not sure I'm explaining myself very well - I've been to the pub An entire 1.75 spent, I'm such a lightweight

    Writing a minimum of 100 words a day on the ebook is working. Have had very little time these last few days but have done around 650 words. Not sure on the quality but it's a first draft.

    DS1, who is now 20 , didn't want to know his A level results cos he was convinced he'd done terribly. The certificates have now been sent home and obviously I've opened them (he's in Europe and has been for ages). He's done really very well including grade A for one of his subjects. Can't flaming get hold of him to tell him though, silly boy!

    Stupidly have totally forgotten to go to the GP to get more asthma inhalers so not really able to do much more on the C25K plan. The run I had the other night was the maximum I could manage without really passing from breathless to actually not being able to breathe. No time until next Thursday now, booo.

    Bit more work done in the garden and have ordered a few plants and seeds. Going for creeping thyme with the idea that it doesn't matter if the children stand on it.

    Boiler at the BTL has been having some tantrums. Plumber out and it's been brought back to life but its days are probably numbered. Expensive! Boooooo!
    A reminder to myself: Persistence Pays Off
    Mortgage 1: 95,000 78,900 at 3.1%
    Mortgage 2 (BTL): 83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): 3000 Plus 6 months emergency savings earning 3%
    • Treadingonplaymobil
    • By Treadingonplaymobil 27th Apr 18, 6:17 AM
    • 1,662 Posts
    • 17,164 Thanks
    Treadingonplaymobil
    I do want to create some genuinely passive income (downloads/ebooks etc), but am aware from my smaller business that this sort of income relies heavily on social media to generate custom, so I know that passive isn't passive, but I mean similar to you Courgette - I want to be able to put the hours in when it suits me, not when it suits other people.

    Great news about DS1's A-level results!
    67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017: 38,608 unsecured debt/20,000 parental loan/173,282 mortgage = 231,890
    debt on 9th August 2018: 12,248 unsecured debt/19,970 parental loan/191,323 mortgage = 223,541
    • beanielou
    • By beanielou 27th Apr 18, 2:55 PM
    • 56,239 Posts
    • 227,381 Thanks
    beanielou
    Well done to your DS1 courgette.
    That is great
    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. MFW 2018. No 144
    • Courgette
    • By Courgette 30th Apr 18, 10:15 AM
    • 1,732 Posts
    • 18,352 Thanks
    Courgette
    Still unable to log in to TSB - this is extremely tedious now especially as I have a plumbing bill for the rental to pay.

    Earned a stonking 6.92 from ebook sales last month. JK Rowling eat your heart out!

    Bus commute to new job is horrific. 10 miles home took me 2.5 hours on Friday. Will try the train this week. It made me so sad for the whole evening, waiting in the rain at a bus stop without a shelter for 40 minutes really affected my self-esteem. Did meet another tutor who is a dyslexia specialist though who charges between 35-40 an hour and works during the day. It would mean I needed to do another Masters degree with the 3k price tag plus get a year's experience but that time will pass anyway. I've wondered about that one before and I'll mull it over a bit more.

    Not a lot else to report. Feeling extremely irritated with TSB. I need to do a money shuffle at this point in the month and I'm obviously unable to do that. I was patient last week but not today.
    A reminder to myself: Persistence Pays Off
    Mortgage 1: 95,000 78,900 at 3.1%
    Mortgage 2 (BTL): 83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): 3000 Plus 6 months emergency savings earning 3%
    • beanielou
    • By beanielou 30th Apr 18, 10:31 PM
    • 56,239 Posts
    • 227,381 Thanks
    beanielou
    This TSB malarky is just dire now
    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. MFW 2018. No 144
    • Courgette
    • By Courgette 1st May 18, 10:17 AM
    • 1,732 Posts
    • 18,352 Thanks
    Courgette
    This TSB malarky is just dire now
    Originally posted by beanielou
    Agreed. I went into the branch yesterday to see whether they could help me and they couldn't log in to my account either.

    What really irritated me was they had a great new offer for new classic account customers. When I asked about it for me obviously I wasn't eligible. I think I'm gonna look for a new bank to be honest.
    A reminder to myself: Persistence Pays Off
    Mortgage 1: 95,000 78,900 at 3.1%
    Mortgage 2 (BTL): 83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): 3000 Plus 6 months emergency savings earning 3%
    • beanielou
    • By beanielou 1st May 18, 10:23 AM
    • 56,239 Posts
    • 227,381 Thanks
    beanielou
    I couldent get in to the TSB at all this morning.
    Not the best at the start 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. MFW 2018. No 144
    • beanielou
    • By beanielou 1st May 18, 10:24 AM
    • 56,239 Posts
    • 227,381 Thanks
    beanielou
    Branch couldent help me at all either.
    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. MFW 2018. No 144
    • Courgette
    • By Courgette 1st May 18, 10:58 AM
    • 1,732 Posts
    • 18,352 Thanks
    Courgette
    Have just applied for an M&S account
    A reminder to myself: Persistence Pays Off
    Mortgage 1: 95,000 78,900 at 3.1%
    Mortgage 2 (BTL): 83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): 3000 Plus 6 months emergency savings earning 3%
    • Courgette
    • By Courgette 25th Jul 18, 2:18 PM
    • 1,732 Posts
    • 18,352 Thanks
    Courgette
    Last day of term today for DS2 so nipping on here before I need to collect him. This end bit of term has really dragged!

    Job in miles away school just didn't work out unfortunately. The time spent commuting was just excessive and although I tried a number of different ways of travelling and ways of using the time, I just couldn't make it work. The public transport around here is pretty poor I now realise and I was out of the house for over 7 hours to earn 50 gross.

    DS3 starts school in September so I'm going to sign up for more China teaching plus I've found another job in China that pays almost double my current one. Have applied for a wage rise with j!!! in any case.

    I've been reading lots of books about increasing income and the related mindset and it's all been very interesting. Unfortunately it has exposed some differences between me and DH and we are not getting on that well currently. Hoping that we'll be able to work things out and he does at least now understand that I'm really very sad and he can't just brush off the things I say or worm out of his responsibilities by saying I'm better at all that stuff. I've also learnt that I have been taught from a young age that if you have money you have to keep it secret both in terms of not spending it on things other people could see but also income must be kept secret - one relative of mine has literally thousands of pounds stored in their home for no real reason. Having money appears to be a guilty secret in our family.

    Never-ending kitchen project is still ongoing. If I ever do this again I would borrow the money so it could all be done in one go. I feel as though my life is on hold and have done for quite a while and I doubt this is helping my current mood and feelings of stuckness. We had to take up the floor again as the builder had done such a rubbish job then lay the underfloor heating which was a massively physical and tiring job. I also learnt that I cannot cope at all when there are structural problems with my house. The period where we didn't have a kitchen floor sent me a bit nuts and a lot more shouting happened than I'd have liked. The floor is complete now though - we went for luxury vinyl tiles on the top in classic oak which look gorgeous. Haven't been able to test the underfloor heating because it's been so warm but all testing suggests it will actually work!

    I've loosened up the purse strings and I have really enjoyed buying loads of fresh fruit. I can't remember a summer when I ate as many strawberries as I have done this time! Although I also can't remember a summer as warm as this one!

    Right, off to school!
    A reminder to myself: Persistence Pays Off
    Mortgage 1: 95,000 78,900 at 3.1%
    Mortgage 2 (BTL): 83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): 3000 Plus 6 months emergency savings earning 3%
    • PositiveBalance
    • By PositiveBalance 26th Jul 18, 12:46 AM
    • 802 Posts
    • 4,023 Thanks
    PositiveBalance
    DS3 starts school in September so I'm going to sign up for more China teaching plus I've found another job in China that pays almost double my current one. Have applied for a wage rise with j!!! in any case.
    Originally posted by Courgette
    This is interesting. Where do you find out about all the Chinese jobs?

    I've been reading lots of books about increasing income and the related mindset and it's all been very interesting. Unfortunately it has exposed some differences between me and DH and we are not getting on that well currently. Hoping that we'll be able to work things out and he does at least now understand that I'm really very sad and he can't just brush off the things I say or worm out of his responsibilities by saying I'm better at all that stuff.
    Originally posted by Courgette
    Yup. Your feelings count about this type of thing, too!

    I've also learnt that I have been taught from a young age that if you have money you have to keep it secret both in terms of not spending it on things other people could see but also income must be kept secret - one relative of mine has literally thousands of pounds stored in their home for no real reason. Having money appears to be a guilty secret in our family.
    Originally posted by Courgette
    That's interesting. Consciously or otherwise, you may have inherited those traits. Think about this and your relationship with money and how you would like it to be.

    Never-ending kitchen project is still ongoing. If I ever do this again I would borrow the money so it could all be done in one go. I feel as though my life is on hold and have done for quite a while and I doubt this is helping my current mood and feelings of stuckness. We had to take up the floor again as the builder had done such a rubbish job then lay the underfloor heating which was a massively physical and tiring job. I also learnt that I cannot cope at all when there are structural problems with my house. The period where we didn't have a kitchen floor sent me a bit nuts and a lot more shouting happened than I'd have liked. The floor is complete now though - we went for luxury vinyl tiles on the top in classic oak which look gorgeous. Haven't been able to test the underfloor heating because it's been so warm but all testing suggests it will actually work!
    Originally posted by Courgette
    Also interesting: were those the original tiles you had decided upon, or did you decide to 'splurge' as a result of all the extra annoyance?

    I've loosened up the purse strings and I have really enjoyed buying loads of fresh fruit. I can't remember a summer when I ate as many strawberries as I have done this time! Although I also can't remember a summer as warm as this one!
    Originally posted by Courgette
    Me, either! Needs must, and all of that!
    Original debt to source: 11,640.02; debt repaid: 6551.01 (56%); remaining debt: 5289.01
    0% CC balance: 4999.67 now
    2914.55 (42% repaid)
    Emergency Fund (#187): 0/500
    Terrimundi: fleeced!
    • Courgette
    • By Courgette 27th Jul 18, 4:02 PM
    • 1,732 Posts
    • 18,352 Thanks
    Courgette
    Yes, always wanted lovely things like really nice flooring. Was a joy to buy something beautiful after spending around 2k on skips and concrete!

    Spent the day arguing with DH yesterday. Was horrible but we've definitely started to understand each other better because of it.

    We spent the whole days in the woods yesterday (we were bickering underneath trees while the children played!). Spent 4 on ice-cream. Been home mostly today except for a quick trip to the park so a NSD.

    Tried DS3 on his bike but he's still too small for it, booooooooo!
    A reminder to myself: Persistence Pays Off
    Mortgage 1: 95,000 78,900 at 3.1%
    Mortgage 2 (BTL): 83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): 3000 Plus 6 months emergency savings earning 3%
    • juliejim
    • By juliejim 31st Jul 18, 10:06 PM
    • 7,572 Posts
    • 151,550 Thanks
    juliejim
    Just caught up with your diary so just thought I'd say hi!
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA 5500
    • newgirly
    • By newgirly 3rd Aug 18, 9:10 AM
    • 6,405 Posts
    • 44,329 Thanks
    newgirly
    Glad you are getting there now with the kitchen courgette
    MFW 21
    Target for 2018 40k/13,632 paid so far

    Mortgage 36,193 3yrs 9 mths left. Total owed 47,059 plan to clear in 12 months
    • Courgette
    • By Courgette 7th Aug 18, 10:48 PM
    • 1,732 Posts
    • 18,352 Thanks
    Courgette
    Been away with DH for the weekend - our first time since having DS2 almost 8 years ago. I was so worried we wouldn't have anything to talk about but it turns out that once the noise of daily life is stripped away, we were still there!

    I've also booked to go and visit DS1 in Germany - we fly out next Wednesday for 2 weeks. Very excited and also a bit scared.

    Have had a pay rise from my Chinese online company to 130 RMD per hour which is just under 15 at the current exchange rate. I've upped my hours but cut weekend working from September which means we have full weekends to do family things in - whoop!

    Life is turning out to be quite spendy at the moment but September isn't far away and then I can knuckle down and get earning again. I've realised that I adore getting things for the children. Not any old tat but thoughtful, well planned expenses.

    I've set a personal earning target of 2000 a week. This is huge but it also feels like the point I'll be rich and life will be totally different so I'm going for it. Not sure on the timescale yet, it needs to be realistic. Actually, a few weeks ago through a combination of a lot of income streams being payable at the same time I did have a 2000 week but I've been paid about 20p since
    A reminder to myself: Persistence Pays Off
    Mortgage 1: 95,000 78,900 at 3.1%
    Mortgage 2 (BTL): 83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): 3000 Plus 6 months emergency savings earning 3%
    • beanielou
    • By beanielou 8th Aug 18, 9:59 AM
    • 56,239 Posts
    • 227,381 Thanks
    beanielou
    Exciting times
    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. MFW 2018. No 144
    • Courgette
    • By Courgette 8th Aug 18, 6:14 PM
    • 1,732 Posts
    • 18,352 Thanks
    Courgette
    25 quico payout converted to 27 claaaarks voucher which will go towards school shoes for the boys. Won't buy them until after we get back from holiday though - don't trust the boys' feet not to grow while we're away!

    It's occurred to me I have loads of advantage cards points, around 40 I think. I just don't buy anything from there these days. Will try to find out this week. May spend it on nail varnish!

    Incurred more library fines, no idea I even had overdue books. More work needed here to stop this happening especially as I can't even think what the books are. Was 2.70 in total, booooooooo.

    Oh, we also have loads of nectar points. We're saving them up to replace an appliance since they're all quite old.

    Now I've started spending on fun stuff again I'm feeling so much more motivated to save the pennies and for the first time in months and months I've even read Martin's email.

    We've also fixed the mortgage for a new 5 year term. I'm going to play with numbers when we get home and see how feasible mortgage neutral will be in that period.
    A reminder to myself: Persistence Pays Off
    Mortgage 1: 95,000 78,900 at 3.1%
    Mortgage 2 (BTL): 83, 489.15 at 2.99% (I.O.)
    Savings (S&S ISA): 3000 Plus 6 months emergency savings earning 3%
Welcome to our new Forum!

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

Forum Team Contact us

Live Stats

60Posts Today

2,321Users online

Martin's Twitter
  • Ta ta... for now. This August, as I try and do every few yrs, I'm lucky enough to be taking a sabbatical. No work,? https://t.co/Xx4R3eLhFG

  • RT @lethalbrignull: @MartinSLewis I've been sitting here for a good while trying to decide my answer to this, feeling grateful for living i?

  • Early days but currently it's exactly 50 50 in liberality v democracy, with younger people more liberal, older more? https://t.co/YwJr4izuIj

  • Follow Martin