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    • MuffinTops
    • By MuffinTops 22nd Jul 18, 3:29 PM
    • 2,206Posts
    • 6,813Thanks
    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 5
    • MuffinTops
    • By MuffinTops 10th Jan 19, 8:17 AM
    • 2,206 Posts
    • 6,813 Thanks
    Yesterday was a bit weird. It had it's good points but I spent the day on edge. I found out that another close colleague is going through a process of working out a mutually beneficial leaving package, and then getting the leavers card for the colleague in my department just tipped me over into being on edge. I needed to go for a walk as I was feeling so emotional.

    I met the contractor after work and took him to my special bar, which he loved. It's not a place you'd know was there if you weren't told, and I love that about it. It's also really cute and quaint. It wasn't very busy but the service was great and the price was good too. We didn't have alcohol but we shared some tortilla chips (completely against his gym bunny diet apparently ) and had a couple of drinks each and it only came to 12.04 each. The last time I went there late last year we only had 2 drinks each (they were alcoholic) and it was more than double that. Although I think we had cocktails that evening.

    I have lunch with another colleague today. This is the colleague who refers to mealtimes as breakfast, dinner and tea and invited me to lunch by asking if I was free for dinner and then did a panicked double back on himself. He's back in London today and invited me to lunch. He's started calling me Ducky now, if that gives any ideas of where he's from???? I'll ask him today.

    I also noticed there were 2 lots of expenses from last year I haven't yet claimed for, so put those through. That's 115 I'd forgotten about!!! Probably because I went on holiday soon after those 2 trips. I've just booked another trip away but won't claim for that until I'm back as I will be able to buy myself dinner while I'm there to claim back, and a taxi fare. They've asked to see me, but I also need a break from this office as it's getting too intense.

    Lots to do tonight as I have a full on weekend with my Mum visiting and taking her to a show in London. I should be home early afternoon on Sunday if all goes well.

    Have a great Thursday! My last day in the office this week, thankfully.

    • doingitanyway
    • By doingitanyway 10th Jan 19, 8:36 AM
    • 3,904 Posts
    • 22,289 Thanks
    I'm glad you have nice plans with your mother. A show in London where you can forget about office shenanigans may be what you need right now.

    The office sounds very unsettling but I am wondering if there might be an opportunity here too. I know you have a new lifestyle planned. If you decided to jump sooner rather than later could you also negotiate a good package that could springboard you to the next phase? Just a thought.

    Enjoy the show
    • MuffinTops
    • By MuffinTops 10th Jan 19, 1:08 PM
    • 2,206 Posts
    • 6,813 Thanks
    Hello DIA. There are no offers of packages at this time, and sadly no guarantee that there will be. That is my preferred option, but I have to wait and see if it happens. By now we would have expected at least some noise of this option, but nothing for us standard staff as yet. My hope is once we move across they'll look at a reshuffle when the urgent work is complete.

    I'm hoping a nice weekend with a show will be a tonic so that I can start fresh back to work when next week and cope better than I am this week.
    • another casualty
    • By another casualty 10th Jan 19, 2:15 PM
    • 3,820 Posts
    • 5,973 Thanks
    another casualty
    Hi MT .

    Sorry that the alarm problem is still ongoing . Um, no I did not entirely keep a straight face at the time of my alarm issue. I was constantly walking into the kitchen trying not to laugh too much .
    The remainder of the time I looked like I swallowed a full water bottle about to deflate at any minute

    Anyway, please don't let the takeover/ merge on the job front get to you too much . Just think of your plans that you have .
    You have a lot of people that you will be in touch with by the sound of it . Enjoy the time with your mum ..
    • MuffinTops
    • By MuffinTops 10th Jan 19, 5:12 PM
    • 2,206 Posts
    • 6,813 Thanks
    Thanks AC. I appreciate the support and encouragement.
    • MuffinTops
    • By MuffinTops 10th Jan 19, 5:50 PM
    • 2,206 Posts
    • 6,813 Thanks
    It's almost the end of my working week and I've decided to draw a line under it and dig out my big girl pants. I've not enjoyed this week at all and have felt really down and that's not how I function, so I've had words with myself and I'll sort it out.

    On a positive note, I contacted the people in my department who are leaving and asked if I can organise their leaving drinks for them. They all go within the next 3 weeks and none have made any hint of arranging anything so they jumped at it, which pleased me. I've sorted a date, now just need to decide on a venue that is as cheap as possible as we won't have been paid and everyone is skint after Christmas!

    Just 10 minutes left of my week. A bit of time to update YNAB for the weekend so that I don't overspend. I need to pop into Holland & Barrett this evening on my way home too as my Mum needs a few supplies that I said I'd take to her when I visit tomorrow to collect her.

    I doubt I'll get any chance to log on here so have a budget friendly and lovely weekend.

    • beanielou
    • By beanielou 10th Jan 19, 8:15 PM
    • 59,917 Posts
    • 251,249 Thanks
    A Wotherspoons or similar?

    Enjoy your weekend
    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.***
    • Tinkerbelle2000
    • By Tinkerbelle2000 11th Jan 19, 2:03 PM
    • 597 Posts
    • 2,130 Thanks
    Hi MT

    Sounds like your contractor is from the Stoke area?? I'm not to far from there so we have breakfast, dinner and tea to I'll make sure that I say it your way though when we chat

    Hope you have a lovely weekend with your Mum. Sorry you have had such a carp time in work this week. Just keep pushing through and you will get your dreams in the end.

    Catch up with you over the weekend.

    Tink xx
    As of 31st December 2018 Total Debt = 15837.59
    DEBT 1 - 41.10 DEBT 2 - 257.41 DEBT 3 - 584.12 DEBT 4 - 700.00
    DEBT 5 - 655.02 DEBT 6 - 669.18 DEBT 7 - 3448.00 DEBT 8 - 2169.12
    DEBT 9 - 2964.25 DEBT 10 - 4349.39
    • MuffinTops
    • By MuffinTops 13th Jan 19, 9:51 PM
    • 2,206 Posts
    • 6,813 Thanks
    A Wotherspoons or similar?

    Enjoy your weekend
    Originally posted by beanielou

    I'm not sure there's one near where we work, but you have given me a good idea of a place that is reasonable and will let me hire a sectioned off area for free. Thank you.

    I hope you're having a good weekend.
    • MuffinTops
    • By MuffinTops 13th Jan 19, 9:54 PM
    • 2,206 Posts
    • 6,813 Thanks
    Hi MT

    Sounds like your contractor is from the Stoke area?? I'm not to far from there so we have breakfast, dinner and tea to I'll make sure that I say it your way though when we chat

    Hope you have a lovely weekend with your Mum. Sorry you have had such a carp time in work this week. Just keep pushing through and you will get your dreams in the end.

    Catch up with you over the weekend.

    Tink xx
    Originally posted by Tinkerbelle2000

    I still need to ask him where he's from, but no need to change your terminology, Tink. I get it. I just find it really funny that he doesn't want me to think he's asking me out on a date. There is actually a historic story to this too, but it's too long winded and boring to go into.

    Great catching up. Enjoy what's left of your weekend.

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