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  • FIRST POST
    • doingitanyway
    • By doingitanyway 11th Apr 19, 9:38 AM
    • 4,621Posts
    • 29,396Thanks
    doingitanyway
    My year of living dangerously
    • #1
    • 11th Apr 19, 9:38 AM
    My year of living dangerously 11th Apr 19 at 9:38 AM
    My work is moving to a new part of the country. So, I wonít have a job after August. What do I do?

    The money situation could be better. There is only me but I am debt and mortgage free (Thanks to people on this forum)

    FINANCIAL POSITION
    A work payment (tiny! less than an average PP1 payout)
    Savings from salary until August
    A new (small again) saving pot I can access

    The sensible thing to do is look for a new job and use the savings to bring the gap.

    Instead I am going to pursue my creative work for a year. I will be working hard at it! For a year I will not have a paid income.

    I want to move next year so I need to make my house presentable for sale. I need to use the money I have to live on, but I will also do three essential renovations/repairs:

    Put in a new bathroom,
    Plaster the kitchen
    New fascias.

    I will be working hard from now on to carve out a freelance lifestyle that I hope will become my new normal.

    When the year is up I will potentially be broke with no source of income, but I will work hard to prevent that reality. A lovely relative died recently. It has reminded me to start living the life I want to now, so I am giving it my best shot. Wish me luck.
    Car costs savings: 500
    Xmas savings 250
    IF NOT NOW THEN WHEN?
Page 11
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Jun 19, 7:20 PM
    • 10,556 Posts
    • 84,304 Thanks
    HairyHandofDartmoor
    Well done on haggling for the bath DIA and for working out how to pay for the bathroom. Also well done for finding cheaper insurance, it's definitely a stressful process but very MSE .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = £3,000/£5,000. EMERGENCY FUND 2 = £2,005/£5,000.
    CHRISTMAS SAVINGS = £159.37/£500
    PREMIUM BONDS ME = £200. PREMIUM BONDS DH = £200
    • doingitanyway
    • By doingitanyway 11th Jun 19, 6:58 AM
    • 4,621 Posts
    • 29,396 Thanks
    doingitanyway
    WOW, nice one . I love the way you not only found a great bargain but haggled them down still further. Good for you, I think that deserves the MSE medal this week!
    Originally posted by Bogof_Babe
    Well done on the haggling
    Good news on the CC using instead of a loan.
    Originally posted by beanielou
    Well done on haggling for the bath DIA and for working out how to pay for the bathroom. Also well done for finding cheaper insurance, it's definitely a stressful process but very MSE .
    Originally posted by HairyHandofDartmoor
    Thanks everyone.
    Car costs savings: 500
    Xmas savings 250
    IF NOT NOW THEN WHEN?
    • jwil
    • By jwil 11th Jun 19, 7:00 AM
    • 11,077 Posts
    • 40,506 Thanks
    jwil
    The cc sounds like a good plan.

    Great bargain on the bath
    "If you can dream it, you can do it". Walt Disney
    • doingitanyway
    • By doingitanyway 11th Jun 19, 7:06 AM
    • 4,621 Posts
    • 29,396 Thanks
    doingitanyway
    a calmer, quieter day
    I woke feeling much calmer. I will be trialling just one coffee a day to see if that helps me remain that way

    I am WFH. My plan is to keep going with cleaning and tidying.

    I need some protein but I will make today a NSD and make-do with what I have in the fridge.

    I am speaking to the plumber today to clarify some aspects of the job.

    I am hoping for a quietish, calmish, NSD. We shall see

    Wishing you all good days.
    Car costs savings: 500
    Xmas savings 250
    IF NOT NOW THEN WHEN?
    • doingitanyway
    • By doingitanyway 11th Jun 19, 7:07 AM
    • 4,621 Posts
    • 29,396 Thanks
    doingitanyway
    The cc sounds like a good plan.

    Great bargain on the bath
    Originally posted by jwil
    I know! Love the bath. Thanks
    Car costs savings: 500
    Xmas savings 250
    IF NOT NOW THEN WHEN?
    • Homegrown0
    • By Homegrown0 12th Jun 19, 9:21 AM
    • 1,024 Posts
    • 5,428 Thanks
    Homegrown0
    So impressed with your bath haggling! I think i sometimes forget that you can haggle, and haggling isn't just reserved for market traders etc. Must remember this tip as we embark on our house renovations...

    I'm with you on the insurance search - it's one of my pet hates! I do everything i can to avoid it and procrastinate until the last minute because it's so dull and time consuming. It definitely pays to just go for it and compare though, so well done on chomping down on that frog.

    Hope you managed to have your calm day?
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
    • doingitanyway
    • By doingitanyway 13th Jun 19, 7:50 AM
    • 4,621 Posts
    • 29,396 Thanks
    doingitanyway
    So impressed with your bath haggling! I think i sometimes forget that you can haggle, and haggling isn't just reserved for market traders etc. Must remember this tip as we embark on our house renovations...
    Hope you managed to have your calm day?
    Originally posted by Homegrown0
    Thanks Homegrown0 I told people at work about my haggling but they looked at me like I was crazy so it's best if I keep such stories to here where people get it

    I did not have a calm day and now I'm feeling stressed and overwhelmed again. Hey ho...
    Car costs savings: 500
    Xmas savings 250
    IF NOT NOW THEN WHEN?
    • doingitanyway
    • By doingitanyway 13th Jun 19, 7:52 AM
    • 4,621 Posts
    • 29,396 Thanks
    doingitanyway
    and breathe
    Iíve hit a few barriers with my plans and I am beginning to feel stressed again.

    Before the bathroom can begin electrics need to be moved: one wall light and shower plug to get rid of, a central light instated and a fan extractor fitted. I also need to remove all the bathroom tiles and get a plastering quote. Sigh. All this needs doing in the next 2.5 weeks to fit the plumberís timescale. I feel stressed about this.

    The constant rain is preventing the gardeners from coming and my garden looks like the Steptoe and Son garden. Depressing.

    The floor sander is behind with his job so cannot start until the week after next now!

    I gave a little money to a young family member and now I am not sure my finances are on target.

    I seem to have spent a lot lately and that always makes me feel uncomfortable.

    I havenít done proper shopping so I have done ad hoc shops leading to poor eating and more expense, as I need oil and water for the car so I am worried about using it. I need to buy these things.

    I have to wait in today for my sale clothes, so I will work on an action list. When the clothes come I will parcel what I donít need and return to the PO. I will also buy my car tax.

    And breathe.

    Wishing you all a good day.
    Car costs savings: 500
    Xmas savings 250
    IF NOT NOW THEN WHEN?
    • in need of direction
    • By in need of direction 13th Jun 19, 7:53 AM
    • 6,062 Posts
    • 37,885 Thanks
    in need of direction
    Can you play some fit for mood music? I know if I’m on my way to stressy meetings etc., the right music can get me in the frame of mind needed.
    Mortgage at 01.01.14 £119,481.83 today £65379.50 target £65,000 by 05/04/19 Offset fund today £826.16 target £1000 by 31/12/19
    Emergency fund £4250/5.5k & £200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 8lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Homegrown0
    • By Homegrown0 13th Jun 19, 8:07 AM
    • 1,024 Posts
    • 5,428 Thanks
    Homegrown0
    INOD that's a great idea, something I might take on board myself in times of stress.

    I know you can overcome these problems/ challenges DIA. you're doing the right thing - sit down with a pen and paper (and maybe some music and essential oils) then write down all your challenges and things that are stressing you. Then just do what you used to do - scribble our some solutions or some ways to take a step forward with them.

    An electrician should be able to do all of those jobs easily within 1 day so the challenge will be identifying and scheduling said electrician. It should definitely be achievable within 2.5 weeks depending on the electrician's diary.

    Hopefully with a plan or at least some initial actions in place, you'll feel a bit more calm.
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
    • another casualty
    • By another casualty 13th Jun 19, 9:02 AM
    • 4,224 Posts
    • 7,070 Thanks
    another casualty
    Sorry to hear you're a bit down today DIA
    Great suggestions by homegrown and in need of direction tho .
    It is very easy to feel peed off , when things seem to be going wrong in sixes and sevens . However , if you take advice above and stand back , you will see that it's all part of your testing time / conditions that you are going through at the moment .
    The garden will look fantastic in a matter of weeks . Same with bathroom . You may not be able to pay everything straight away as planned , but you won't be too far behind imho as you are focused and determined . We've all been in this situation and you'll come through fine . It may seem like it's a bit much at the moment , but try not to overdo the worrying . You'll get there . Hope the day goes better..
    • 24ta
    • By 24ta 13th Jun 19, 9:13 AM
    • 58 Posts
    • 558 Thanks
    24ta
    De lurking to say sorry you are stressed.

    I agree with Homegrown re pen and paper and writing everything down (sometimes when we are in the middle of things, we can't see the wood for the trees). This is how you have dealt with stresses before and you always come up with a solution.

    You have made so much progress. You can do this.

    Cheering you on from a distance.
    • doingitanyway
    • By doingitanyway 14th Jun 19, 12:52 PM
    • 4,621 Posts
    • 29,396 Thanks
    doingitanyway
    INOD that's a great idea, something I might take on board myself in times of stress.

    I know you can overcome these problems/ challenges DIA. you're doing the right thing - sit down with a pen and paper (and maybe some music and essential oils) then write down all your challenges and things that are stressing you. Then just do what you used to do -
    Originally posted by Homegrown0
    That is my plan in a nutshell. Thanks HomegrownO
    Sorry to hear you're a bit down today DIA
    It may seem like it's a bit much at the moment , but try not to overdo the worrying . You'll get there . Hope the day goes better..
    Originally posted by another casualty
    Thanks AC
    De lurking to say sorry you are stressed.

    I agree with Homegrown re pen and paper and writing everything down (sometimes when we are in the middle of things, we can't see the wood for the trees). This is how you have dealt with stresses before and you always come up with a solution.
    You have made so much progress. You can do this.
    Cheering you on from a distance.
    Originally posted by 24ta
    Thanks for the support and for delurking to cheer me on
    Car costs savings: 500
    Xmas savings 250
    IF NOT NOW THEN WHEN?
    • doingitanyway
    • By doingitanyway 14th Jun 19, 12:54 PM
    • 4,621 Posts
    • 29,396 Thanks
    doingitanyway
    rest, light and air
    I feel better today

    I slept well and it has stopped raining. We humans complicate things but we are just like all other living beings. We need rest and light and air. Simples.

    I did very little yesterday.

    I had a solicitors letter as my neighbours are building an extension. Turns out I need a part wall specialist surveyor. There is always something!

    One action I took was to move the TV out of my bedroom. I had the best nightís sleep in days. It may or may not be connected (research says it isÖ) but I sometimes fall asleep with the TV on so it is staying out of the bedroom.

    I did lots of cooking and using what I had in. I made soup, stock, a batch of rice and quinoa mix, and a salad. I cleaned the kitchen.

    I have come to the conclusion that I push ahead like a mad thing then crash. I need have more balance so I have taken a day off next week to see a film.

    ANGST
    --Worried about actions I need to take re party wall.

    ACTION
    --Researched surveyors and looked at planning websites
    --Spoke to a party wall surveyor and now understand the process more fully. I also have someone identified I will use as a surveyor

    I am crossing my fingers that the rain stays away so the garden can be done today.

    Back later with an ANGST and ACTION list

    I made it to the end of the week. You did too. Well done us
    Car costs savings: 500
    Xmas savings 250
    IF NOT NOW THEN WHEN?
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Jun 19, 2:19 PM
    • 10,556 Posts
    • 84,304 Thanks
    HairyHandofDartmoor
    I'm glad you're feeling more positive today DIA and I see you've restarted your Angst and Action list which is a good idea .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = £3,000/£5,000. EMERGENCY FUND 2 = £2,005/£5,000.
    CHRISTMAS SAVINGS = £159.37/£500
    PREMIUM BONDS ME = £200. PREMIUM BONDS DH = £200
    • doingitanyway
    • By doingitanyway 15th Jun 19, 7:49 AM
    • 4,621 Posts
    • 29,396 Thanks
    doingitanyway
    the garden looks nice again
    The gardeners came. My garden was blitzed and it now looks clear and tidy and under control. I feel so much more in control when the gardens are done. The couple who do the garden are lovely people. I gave them £10 extra because they deserved it.

    I plucked up my courage to talk to my neighbour about the party wall and she now knows I will be getting a party wall specialist to check the work before and after.

    I am visiting a sick friend tomorrow and I wanted to take her gifts. This morning I went searching. I have Ďgiftedí her from the present of toiletries I was given as gifts so I only need to buy chocolate and an essential oil now.

    Washing on and it isnít raining.

    My 3 tasks today are to try the builder again re brickwork, phone the electrician for an appointment to quote and buy a train ticket.

    I will be WFH and I have a list to shop along with a menu plan for 7 days. I will go to the supermarket after work. That is enough to achieve today.

    Wishing you your kind of Saturday
    Car costs savings: 500
    Xmas savings 250
    IF NOT NOW THEN WHEN?
    • jwil
    • By jwil 15th Jun 19, 8:05 AM
    • 11,077 Posts
    • 40,506 Thanks
    jwil
    Glad the garden is done. Have a good weekend
    "If you can dream it, you can do it". Walt Disney
    • another casualty
    • By another casualty 15th Jun 19, 8:52 AM
    • 4,224 Posts
    • 7,070 Thanks
    another casualty
    Great to see you back and firing on all cylinders again DIA .
    I agree with tipping the gardeners . It's always good to keep tradespeople onside . I remember in my last home, I tipped the gardeners who did a very big job for me over 3 days iirc.
    One day I was walking towards the bus stop in Twickenham high street with 3 bags of shopping about a month later, and the foreman spotted me and gave me a lift home . Little things can go a long way .

    Keep going and enjoy the weekend ...
    • beanielou
    • By beanielou 15th Jun 19, 9:27 AM
    • 66,984 Posts
    • 303,150 Thanks
    beanielou
    Have a good weekend
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Jun 19, 4:33 PM
    • 10,556 Posts
    • 84,304 Thanks
    HairyHandofDartmoor
    Well done on getting so many things organised DIA .

    It is nice having a tidy garden. I must blitz mine soon as it's stressful seeing it overgrown. It's like our surroundings are a reflection of our state of mind, but it's a two way process.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = £3,000/£5,000. EMERGENCY FUND 2 = £2,005/£5,000.
    CHRISTMAS SAVINGS = £159.37/£500
    PREMIUM BONDS ME = £200. PREMIUM BONDS DH = £200
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