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  • FIRST POST
    • MuffinTops
    • By MuffinTops 22nd Jul 18, 3:29 PM
    • 2,155Posts
    • 6,591Thanks
    MuffinTops
    Focus, Action & Consistency is the Key!
    • #1
    • 22nd Jul 18, 3:29 PM
    Focus, Action & Consistency is the Key! 22nd Jul 18 at 3:29 PM
    Hello again,

    I'm MuffinTops and I'm in the exciting position of being Mortgage and Debt free. This diary forum and many amazing posters seriously helped me get to this position.

    I am in my 40's, single and living alone, and I do have a decently paid job. So what's the problem??? I have no long term focus. I became mortgage free a few years ago and since then my savings accounts do not even closely reflect my salary and necessary outgoings, and I'm still not really living either.

    This diary is now about how to focus and to live the life I thought I was working towards when I was trying to clear my debts and mortgage. To do this I need to plan and act in my own best interests consistently.

    There are so many areas of my life I've neglected over the years so although the main focus is on budgets and becoming financially self sufficient, I also have a lot of jobs I've neglected for too long, a lot of organising to do, and a whole lot of frogs to eat along the way.

    Work is rubbish, and I hate it, but I'm finding that a mindset change is making things more bearable. I don't think my work situation is special in any way based on other diaries I've read, so maybe I need to focus less on what's going on around me at work, and more on my own path. I had considered resigning before finding another role or replacing the salary, but I've had a long hard logical think about that this weekend and I don't want to go back to existing, so I'll stick it out while I can.

    I think that's enough for now. I know I'm in a fantastic position and I truly am so grateful for that, but I've also squandered some time and money which I feel I need to address immediately. It seems that unless I have a specific financial amount to aim for, I lose focus.

    So I'm going to specify actual amounts in my budget (and on here) for certain areas (ie. savings, home improvements etc), so that I'm always working towards a goal. Home improvement goals etc will be based on specific costs to get work done. Savings will be a yearly goal (pro rata'd for this year).

    I hope that it's still ok for me to post here, as it's such an inspirational place and has always made me much more mindful of my spending and other general habits and pushed me further than I can do by myself.
Page 2
    • Tinkerbelle2000
    • By Tinkerbelle2000 10th Aug 18, 11:21 AM
    • 586 Posts
    • 2,091 Thanks
    Tinkerbelle2000
    No storms up North yet MT. I wish it would to clear the air. Today could the the day though as it has gone really dark outside.

    Tink xx
    As of 1st January 2018:- TOTAL: 2372.02/16591.97
    DEBT 1-38.96 DEBT 2-75.00/141.10 DEBT 3-25.00/297.41DEBT 4 - 35.00/644.12
    DEBT 5-0/700.00 DEBT 6-35.00/720.02 DEBT 7-660.47/1479.65 DEBT 8-514.20/1576.80
    DEBT 9-0/1622.49 DEBT 10-300.00/2300.00 DEBT 11-829.99/2722.44 DEBT 12-0/4349.39
    EMERGENCY FUND - 10/1000
    • another casualty
    • By another casualty 10th Aug 18, 12:53 PM
    • 3,723 Posts
    • 5,806 Thanks
    another casualty
    Rain here . About time tbh. Might get some proper sleep now .
    Friday also
    • MuffinTops
    • By MuffinTops 10th Aug 18, 2:03 PM
    • 2,155 Posts
    • 6,591 Thanks
    MuffinTops
    I'm at work and the rain is coming down so hard it looks like I'm in a car wash! Yay to rain! We've had some drizzle days, but nothing like this. As long as I don't have to be outside during a storm I'm very happy!

    Thanks Tink and AC. I hope you're experiencing this lovely rain today too.

    MT
    • beanielou
    • By beanielou 10th Aug 18, 3:15 PM
    • 58,734 Posts
    • 243,504 Thanks
    beanielou
    Was like that here earlier too!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • MuffinTops
    • By MuffinTops 20th Aug 18, 3:16 PM
    • 2,155 Posts
    • 6,591 Thanks
    MuffinTops
    I went through my budget details for August and have overspent again. I needed a mattress topper, and got one for a bargain as my friend currently works for the company and he's leaving soon, so hopefully that's the last of the unexpected, or earlier than wished for spending.

    This week and weekend I've decided to do as little going out as possible, which is all looking very doable right now. I don't get paid until next week, so want to just save as much as I can before the September budget becomes available.

    I do plan to flip my current mattress (super king size with springs so it may kill me!) so that I can put my new topper on and hopefully have a joyous and comfortable sleeping experience. I'm working from home on Friday, so I think I'll do it then.

    I did also book a Christmas weekend trip away today which i paid out for, but will get most of the money back. I'm trying to work out how to add that to YNAB without it setting off any nasty alarms. Although I guess I could take the money for it out of my untracked investments so that it doesn't really affect my standard budget. I think that makes the most sense.

    Well it's the start of another fresh week. Already it's feeling like it's dragging but I think that's because I didn't sleep so well this weekend. An early night should be the ticket!

    MT xx
    • another casualty
    • By another casualty 22nd Aug 18, 12:35 PM
    • 3,723 Posts
    • 5,806 Thanks
    another casualty
    How's the topper MT?
    I have king size , and find it a pita putting that and the mattress protector etc on . The fitted sheets are the worst. As I crawl over one corner, the corner opposite decides to unspring itself . Repeat .

    Humid again today . Apparently tomorrow onwards will be fresher.
    No complaints here
    • MuffinTops
    • By MuffinTops 7th Nov 18, 7:58 AM
    • 2,155 Posts
    • 6,591 Thanks
    MuffinTops
    Hello AC. The topper is like a cloud, it's so comfortable. I'm finding the same issue with the fitted sheets though. Takes me a while to get it right.

    Seems a world away since we had humidity. Now it's just so much rain!
    • MuffinTops
    • By MuffinTops 7th Nov 18, 8:00 AM
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    MuffinTops
    Well, here I am again after a couple of months away. I've spent that time rejigging my needs though so I have a plan again.

    I've also requested to go back to part time, and that's been approved. It starts in January so I'm really looking forward to that.

    I'll put up another detailed post soon about my plans. It's nice to have a path again.

    Happy Hump Day!



    MT
    • Choccygirl123
    • By Choccygirl123 7th Nov 18, 9:44 AM
    • 254 Posts
    • 395 Thanks
    Choccygirl123
    Hello MT

    I had to pop in after reading the title of your diary! You've summed my life up ��

    congratulations on going to part time, hope it goes well. I reduced my hours just over a year ago from a busy week to just 17 hours a week in a new role. I felt like a weight had been lifted and it gave me time to adjust work/life balance.
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    SPC 090 - 69.45 / 500
    • MuffinTops
    • By MuffinTops 7th Nov 18, 10:47 AM
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    MuffinTops
    Thanks Choccygirl.

    I struggle to maintain the focus and consistency but it's a work in progress.

    Isn't it nice working less hours. I can't seem to find a work/life balance easily on full time hours.
    • Choccygirl123
    • By Choccygirl123 7th Nov 18, 12:41 PM
    • 254 Posts
    • 395 Thanks
    Choccygirl123
    It's been an amazing change in our families life and hubby and kids seem so much happier. I've been offered another 12hours which I'm thinking of taking when I'm back to work. Ill health has slowed me right down and sick pay a shock. Thinking of accepting extra hours to get debt killed quicker. It's a comprise but guess worth a try as only 3 x 4hours.

    You need to make time for you x
    Always counting down to pay day, but making baby steps getting life on track! Looking forward to cracking the debt once and for all.
    SPC 090 - 69.45 / 500
    • MuffinTops
    • By MuffinTops 7th Nov 18, 2:24 PM
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    • 6,591 Thanks
    MuffinTops
    I definitely agree with making time for you! That's a great rule to live by.

    Sick pay is a major shock. It's something like 12 a day, isn't it? I'm sorry you've had ill health slowing you down. Hopefully you're on the mend now?
    MTx
    • MuffinTops
    • By MuffinTops 8th Nov 18, 7:30 AM
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    • 6,591 Thanks
    MuffinTops
    I'm much more conscious of what I spend again. Looking back at YNAB I waste such a lot of money, mostly on food. I'm always going for the easier and fast option, which comes at a price. Starting from this weekend I'll be doing some batch cooking so that I have lunches to bring in and evening meals pre prepared. Other than that I'll stock my fridge with ingredients for quick and healthy meals. This will obviously help my weight situation too.

    I'll add another more detailed post tomorrow about plans I have for 2019.

    Let's get this day started!
    • another casualty
    • By another casualty 8th Nov 18, 6:55 PM
    • 3,723 Posts
    • 5,806 Thanks
    another casualty
    Hello again MT Hope you are well.
    You seem to have plans ? I could get some but I would have to see a good architect for advice there I think
    Hope going part time works out for you . If the city is like how I remember it , then that's one good reason right there

    A rainy weekend is forcast , but next week promises to be rain free...
    Last edited by another casualty; 09-11-2018 at 7:51 AM.
    • MuffinTops
    • By MuffinTops 9th Nov 18, 2:41 PM
    • 2,155 Posts
    • 6,591 Thanks
    MuffinTops
    Hey AC,


    I'll catch up with your up to date goings on shortly. The City is as you remember it. I don't think it's changed much at all. Where I live seems to be changing rapidly, I feel. Not for the better either.


    I have a busy weekend but all indoor activities so rain is good. It's nice having dry days in the week as the commute is bad enough without it.
    • MuffinTops
    • By MuffinTops 9th Nov 18, 3:05 PM
    • 2,155 Posts
    • 6,591 Thanks
    MuffinTops
    Life slips by so fast
    I looked at my first ever update on this forum way back, and although I'm now in a good place financially, my life seems to be pretty much on hold. I've started to make updates in my life but never on a deeper level. Never really thought through properly, so they've not really taken off. So ....


    Next year, 2019, is going to be all about foundations. Creating a good foundation which will mean that I'm prepared for whatever comes my way. That's mostly about my house, if I'm honest, as that's my biggest hold back. I seem to have accumulated way too much stuff again too, so that has to go!


    Literally everything in my home needs a really strong update. The heating is too old, electrics, windows, decorating, roof, everything. So that's going to be an ongoing work in progress until it's all back up to a good standard. Then I will either rent my house out and go somewhere further out and cheaper, or I'll sell it. I'll cross that bridge when I get to it.


    I do have a small amount of savings, but I don't want to clean out my bank account, so I'm going to keep that where it is and start saving as soon as I can. A new boiler is first on my list. I have a few holidays between now and Christmas, I also need to get through Christmas so January will be the beginning of the saving plan with a view to getting work started on a few things in April.


    The other thing to note is that although I'll keep a tight rein on day to day expenditure and keeping wastage to a minimum, I'm not going to refuse any exciting experiences. I live for my holidays and travels at the moment, and I'm not compromising there. If I tighten my belt on the amount I waste on unnecessary items that either become dust collector or get thrown out without being eaten or used then my house and holidays won't suffer.


    I have some other ideas niggling in the back of my head, but I haven't made any solid plans on those yet. I'll let them continue to swim around for the time being.


    The time until I actually start getting stuff done seems far away, but it's all about the planning and laying down good foundations.


    Happy Friday everyone. Have a great weekend.


    MTx
    • MuffinTops
    • By MuffinTops 11th Nov 18, 9:02 PM
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    MuffinTops
    An expensive weekend, but I've got more Christmas gifts bought now, and more ideas for others and I'm feeling quite organised.


    I met up with a friend yesterday who I've not seen in a while and has moved too far away. We met half way and had lunch. She bought the main course and I bought dessert and drinks.



    Today was another long drive to a duty free sale and that's where I bought a few bits and pieces. I arrived there around 10:50am, as planned and so wasn't driving for the Remembrance 2 minute silence.



    I also had to fill my car up with diesel, which I've already burned through most of due to how much driving I've done this weekend! It's shocking how much it costs now.


    So a lovely weekend, spending time with lots of lovely people and now it feels like it's gone in the blink of an eye and I've spent more than I expected to. All from the budget but have cleaned out most of my diesel budget and have another long journey to do before pay day!!! Looks like I'll have to shuffle things about a bit.


    I hope everyone had a great weekend.


    MTx
    • another casualty
    • By another casualty 12th Nov 18, 2:29 PM
    • 3,723 Posts
    • 5,806 Thanks
    another casualty
    Hi M T
    Glad the weekend was good . I would say that regarding the boiler, avoid British Gas . Keep an eye out for Black Friday bargains , and Christmas bargains and hopefully you'll save some cash and get good deals . Not sure if you know any tradesmen . I got lucky with james

    The only thing to be aware of if you do sell , is that it seems Brexit seems to be upsetting the sale of houses etc. Pretty much the same situation I was in two years ago Having said that, you may decide to let it out . You'll know more obviously when the time comes.

    Seems like I've not missed much in the city then. Yes, part time all the way if it works out for you
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