Spending Diary 27th July to 2nd August 2020

Hi everyone,

I had taken this week off work due to needing to sort out things after my mum’s death, some of the days have been harder than others.

27/07/2020

I decided to travel back to my home town to see some family and be with them during this time. My training ticket cost £45.05 with insurance but I saved 1/3 on it due to my rail card. I also bought my Dad a couple of indoor plants early for his birthday so I could be there to see him open them. They came to £21.83. I went to the shops to stock up for the week for my flat mate. I bought Lucozade, milk, Pepsi, hand wash, garden peas, oats, chocolate x 3, cucumber, tomatoes and burger baps. That came to £14.15, but I split that with my flat mate.

I also went to Boots and bought conditioner, 2 deodorants and a leave in conditioner, but I paid with my Boots advantage card points as I am really low on money, so I saved nearly £10.

28/07/2020

I travelled back to stay with my Dad and Step mum. The train journey was luckily uneventful and with no delays or cancellations. At home I just hung out with my family for the rest of the day, and didn’t spend any money.

29/07/2020

It is my Dad and Step mum’s wedding anniversary today, so I bought them a bottle of wine and a card for £8. I picked up some shopping for myself at the local Co-op. That was £9.86, and later I travelled into the centre of my home town to see a friend. The train ticket was £2.05 after I saved 1/3 on it with my rail card.

30/07/2020

I had a terrible night’s sleep due to keep waking up in pain. It turns out I have picked up an infection. I went to the shops to buy some supplies (£4.10 for paracetamol, juice and yogurt) and in the shop I nearly fainted. I came home, started making a cup of coffee, and then fainted in the kitchen in front of my Dad who was very concerned.

My friend has had the same type of infection before so I asked her about treatment. She said waiting till I got back to where I live and seeing a doctor there would be unwise as this type of infection needs to be treated soon, so I spent a couple of hours today filling out temporary residents forms for the nearest surgery, getting assessed and then getting a prescription. In Wales prescriptions are free. In England they are not. So I paid £9.15 for the prescription but I was happy to pay this, anything to get better.

The rest of the day was uneventful.

31/07/2020

I slept all through the night and the infection feels like it is nearly all gone, wonderful! I went to the shops to pick up supplies for the train journey. A bottle of Lucozade and water which was £1.83 after I used my Co-op reward points. I also picked up some bread and milk for my Dad, £2.50 for them.

I had an almost uneventful train journey home until I got near Westbury when the train lost power. It eventually decided to terminate early so I got off the train in Bath as the station is very pretty and waited for the following train back to Cardiff.

I got picked up from the station by my flat mate and his girlfriend and back at the house we had store bought pizzas. It is very hot!

01/08/2020

I met up with one of my brothers in Bristol to go back to my mum’s house to look through her things. My train fare was £9.45, with a third off using my railcard. The taxi to my mum’s house was £15. I bought lunch at the local shop for £4.79. The deal was my brother would pay for the taxi back to the station and I told him to take money out but he believed he could pay by card. Turns out he couldn’t, so I had to pay. Another £13, but he’s promised to pay me back.

I had a few bags with me so back in Cardiff I caught a taxi home, which was £8. I did a quick run, made a decadent batch of veggie chilli cheese fries and had a zooms drink session with my friends. It got pretty emotional for all of us at certain points. Everyone has something going on in their life that could be better, and I truly believe all feelings are valid. It’s not like I think I’m the only person with problems, or the worst problems now that my mum has died. I want to be there for my friends with all their problems too.

I went to bed late, but I expected that.

02/08/2020

I got up when my alarm went off at 10am. I always set an alarm, even on weekends. I was still sleepy from a 2am bedtime, but I wanted to get on with my day.

I had a long to do list to do and I got stuck straight on it. I have been meaning to update my email address to a new provider after issues with my current one. After some research I decided to go for a professional account with a secure provider who look really good. That was £43.41 for a year’s subscription to their service. I then signed up to a couple of other tech sites. One was £33.99 for a year of their service. And I got a free month’s trial on another tech site, but that will be £7.95 a month going forward.

I later went to the shops and bought 2 face toners for myself, £3.38. I went to the local Tesco too for food shopping. I did my shop and was debating whether to get some more alcohol when I saw my favourite Welsh whisky Penderyn was on sale with £11 off its price and there was only one bottle left. I took it as a sign I should get it. The food shopping came to £51.07. Back at home I checked my bank accounts and noted that my wine club subscription had come out, that was £20. As had my beer subscription, £26.90. I also paid back my flat mate for food shopping he had bought whilst I was away, which was £20.81 worth of stuff.

I’m drawing a close on today. I really don’t want to spend any more money today and I usually try to finish this blog post early on a Sunday, because then I’m not tempted to do any more shopping as I would have to come back and edit this.

I bid you goodbye on this week.

TOTAL SPENDING THIS WEEK

FOOD AND HOUSEHOLD SHOPPING = £140.92 (MY HALF = £70.46)

PERSONAL SPENDING = £222.39

TOTAL SPENDING = £292.85

Spending Diary 20th – 26th July 2020

Spending Diary 20th to 26th July 2020

Hi all,

I must precede this late spending diary with the information that on Monday 20th July I received the news that my wonderful mum had passed away suddenly and unexpectedly from a heart attack. It has understandably been a very hard time.

20/07/2020

Before I received the news about my mum in the evening, I had been having a good day. I got things done at work. Then I left work early to view a house as the flat mate and I are looking to move out in September. We decided to get a chippy for tea. That came to £12.15, but we split the cost of that. I started my latest session on the book course I signed up to but quit halfway through after my brother phoned me to tell me about my mum.

21/07/2020

My flat mate and I took a walk to a local park to clear my head. He treated me to a pasty and cake from a nearby bakery. The walk helped a little but I was still desperately sad. I continued with my daily runs as I didn’t see how they would make me feel worse and they might even make me feel better, but it was clear this grief was going to take time.

22/07/2020

The flat mate went to the shops and bought milk, alcohol free beer x 2 packs and 2 x bottles, Pepsi, tissues, bread, cheese rolls, cookies, cucumber, orange juice, jam tarts, tomatoes and strawberries. This came to £22.33, but again we will split it. We will also split the cost of the £7.95 coffee from the subscription company Pact that came out of my account today.

23/07/2020

Early bird sale entries for the 2021 October Cardiff Half Marathon went on sale and I took advantage and bought one. That came to £39.96, and I saved £5 from it. I also asked my colleague to tell me what my share of another colleague’s birthday presents was and it came to £3.10. My work friend was reluctant to bother me with news of the birthday costs but I insisted.

24/07/2020

I have been having alternating bad and better days since finding out the news about my mum’s death, and this was a particularly bad day. It was made better by my flat mate’s girlfriend coming round and him deciding to treat us all to an Indian takeaway.

25/07/2020

My brother and his girlfriend came to stay yesterday due to us going over to where my mum lived today. She lived nearest to me. I live in South Wales and she lived outside Bristol. My train fare cost £9.45, but I saved a 1/3 due to my railcard. I bought 2 sandwiches from the local shop to my mum whilst I was going through her things at her house. That came to £3.81 but I saved 84p using my co-op rewards card. My brother paid for the taxi to my mums and I paid for the one back which including tip was £15.

Back at my house we all felt too tired and sad to cook dinner so we ordered an Indian takeaway. The same place that we ordered from the day before. What I ordered came to £15 rounded up. Despite the circumstances it was quite nice to spend time with people. We took all the necessary social distancing precautions of course.

26/07/2020

My brother, his girlfriend and I went to get ice creams at a local place to me. My two scoop pistachio and elderflower came to £3.95. We went for a walk around the nearest beauty spot. When we came back we played board games. Later we went to the shops and from the household budget I bought prosecco, onion rings, pizza dips, pizza, garlic bread, macaroni cheese which came to £16.65.

It has been a very hard week to get through, and I predicted I would be very upset on the 27th July when the first week since I heard the news passes.

TOTAL SPENDING

FOOD AND HOUSEHOLD SHOPPING = £58.98 / £29.49

PERSONAL SHOPPING = £75.27

TOTAL SPENDING THIS WEEK = £104.76

 

Spending Diary 13th – 19th July 2020

Spending Diary 13th – 19th July 2020

Hi everybody!

I hope you are all well. This week had a couple of notable events. Some good, some bad. I’ll take you through it.

13/07/2020

Back to work again. Today I did a short run that took in posting a letter to my Grandpa on the way round. I had quite a productive day at work and achieved a few things. I finished a season I was watching on Netflix. Today I didn’t spend any money.

14/07/2020

After work today I did a speed intervals session after work as my run of choice. I tend to pick days with bad weather to do that as there will be less people about. And it was another day where I didn’t spend any money.

15/07/2020

Today I did something I had been saving up to do for ages. I signed up to turn my Word Press blog into a premium site so I can redesign it and get rid of all the ads. Yey! That was £84. I had been saving up for a while and I didn’t quite have enough but I decided to just jump in, move some money around, and do it now. The flat mate went to the shops today to buy some house supplies. That came to £7.62, but we split the cost of all the household shopping in half. I will spend some time this weekend playing around with Word Press and making my site look pretty.

16/07/2020

The flat mate fancied something different for dinner, so he went to the shops and bought houmous, halloumi, falafel and salad items and we had wraps for dinner. The shopping came to £12.06, but once again we split that in half. My run incorporated picking up my prescription from the pharmacy so I only had to leave the house once today.

17/07/2020

Today I received the bad news that my Dad had suffered another stroke. He had a major stroke in December last year and has slowly been recovering and gaining his speech back. This stroke was mild in comparison, but it is still a blow to the family. I’m so confused by lock down rules, especially because I live in Wales which has different rules to the other UK countries that I’m going to have to look into how I can see him. I just crashed out in front of the TV this evening and didn’t do much.

18/07/2020

I was really sad this morning and it took me a while to get up and get going. It was after midday when I finally began doing things. First of all I made a lovely strawberry cake which I’ll put the recipe up for on here.  I then went to the shops to do the big weekly food shop. That came to £36.27 because I tried out my Tesco Clubcard Plus app which I had been given a 2 month free trial of and it gives me 10% off my shopping. I’m not sure whether I will make back the cost of it when I start paying for it, so this time is just to see if I like it or not.

I did a 5km run later on which didn’t make me feel better but it didn’t make me feel worse either. In the evening I had zoom drinks with my friends and I may or may not have drunk a whole bottle of white wine. Whoops. I had a really good time though. I watched the end of a music documentary downstairs with my flat mate and went to bed shortly after that.

19/07/2020

My plans for today are to do a long run and do some writing and other bits and bobs. I treated myself to watching a show in depth on TV this morning. Normally I just put something on and have it going in the background whilst I do other things, but this I really paid attention to and even took notes!

I went out for my long run at lunchtime. 13.22km. It was tough in parts but I powered through it. I had a shower and took care of my weekly beauty admin – shaving, face mask, etc – and then I made an amazing omelette. I used to not be able to make omelettes at all. I have gained this skill during lockdown.

I was really tempted to get an ice cream after the run, but decided against it to save money. Which is just as well as I went on to buy a copy of Jack Monroe’s latest cookbook ‘Good Food for Bad Days’ That was £5.59 and will arrive tomorrow as I have a free one month trial of Amazon Prime. A bit of an impulse purchase, but I really do love Jack Monroe and their recipes.

I don’t anticipate spending any more money today, so I will sign off.

TOTAL SPENDING

FOOD AND HOUSEHOLD SHOPPING = £55.95 / £27.98

PERSONAL SHOPPING = £89.59

TOTAL SPENDING THIS WEEK = £117.57

Spending Diary 1st-7th June 2020

Hi everybody,

Let’s see what this week holds in store for me.

01/06/2020

I had the day off work today. I woke up later than I would have liked at 9am, but at least I had a decent amount of sleep. It was pretty hot last night and that makes it hard for me to sleep.

I was trapped in the house as I had to wait for a FedEx delivery driver to come and collect an incorrectly delivered parcel from the week before. They came and said the parcel was missing the correct label and they couldn’t take it with them, so that was that. But that did mean I was free to leave the house after that, so I combined my daily run with going to the shops. I went to Savers to pick up some laundry and cleaning supplies for the month ahead. That came to £21.81 but it will last us the rest of the month. I split the household shopping with my flat mate so it only cost me £10.91 really. I also picked up 2 body scrubs, 2 toners and 4 SPF lip balm’s for myself that came to £10.32.

I then headed to Iceland and picked up bread, milk, orange juice, 2 packets of cheddar cheese, frozen sliced peppers and frozen diced onions and that all came to £9.69, or £4.84 for my half once it is split with my flat mate.

Hopefully we will have enough food to last us a good while. I’m really trying to avoid going to the shops as much as possible.

02/06/2020

Back to work, it seems like I have less time to do things now in lock down compared to at the start of it. Maybe I’m just prioritizing different things now. I do do a lot more writing now than I did at the start of lock down. That can only be a good thing. Plus now I am trying to blog every day counting down to being debt free.

But today was Blackout Tuesday, so I didn’t blog or go on social media. I just quietly pottered about the house thinking of all the injustices in the world.

My delivery of craft beer arrived today which was great. I am trialing getting a new crate delivered every two months. I like trying new things. This was ordered the week before and featured on last week’s spending diary, but it was £26.90 for those who don’t want to go back. I am unlikely to continue with this after lockdown is over (having it delivered would be a hassle given that I work full time and run all the other times) but I am enjoying it for now.

03/06/2020

The flat mate joined me on my run today. That was nice, it’s nice to spend time in other people’s company, though obviously I want everyone to be safe and will keep up my standards. We keep meaning to do a food plan to organise what we are going to eat over the next week or so to keep us out of the shops, and only buying what we need when we do go shopping. We do have a lot of things in store so we haven’t had to go to the shops since Monday. The flat mate and I take it in turns to go to the shops, so it is his turn next. We made spaghetti Bolognese for dinner and made an extra portion for a lunch another day. No money was spent.

Running every day is easy if you just plan when you’re going to fit it in. I do a lot of running to and from the shops, small runs but every little helps. It is a good way of remaining active during lockdown.

The FedEx driver from Monday also came back to pick up the parcel, it turns out it was just a miss communication and the wrongly delivered parcel didn’t need a new label. Glad that was over with. That is the second wrongly delivered parcel I’ve had in lockdown, I wonder why they’re all happening now.

04/06/2020

Went for a run, this time on my own but my flat mate said he would join me for a run tomorrow. It was just a short distance of 3.91km but it was just what I needed. We made dinner using things in the house though my flat mate is talking about doing a food shop soon. We didn’t have to spend any money today which was good. I was expecting my case of wine to arrive today but late in the day I got an email from the supplier to say the delivery had been delayed and it would take up to a week extra. Disappointing but not the end of the world. My beer orders had arrived this week so I still had things to drink. I am trying to only drink 3 days a week, generally that would be Friday, Saturday and Sunday. I am looking forward to having my first drink of the week tomorrow.

05/06/2020

The flat mate did go to the shops today. He bought a real mixture of things, he really likes sweet things and has a major sweet tooth in general so he always buys more sweets then I typically would. He came back with cookies, ice cream, ice lollies, strawberries and breakfast biscuits, along with things like ingredients for a stir fry, vegetables, cheese, falafel and frozen foods. His shopping came to £41.89, so about £20.95 for my half. We had gone for a 5km run before he went to the shops and got caught in a rain shower, though I didn’t mind it as much as the flat mate did. The flat mate left a few things off the shopping list as he did do a massive shop and couldn’t bring any more than he did back (neither of us drive so do everything on foot) so I will be going to the shops tomorrow to pick those items up.

I decided not to have any alcohol today as we were going to be having a lot of cookies for dessert so my first drink of the week will be tomorrow. This means I am one day up on my target of 4 drink free days a week which is nice. Doesn’t mean I can go crazy on Saturday and Sunday though!

I do need to begin to think about getting more toiletries again soon, but I am going to hold off for as long as possible as I don’t have much money left this month and I want to be careful. I tend to hold off doing shopping for as long as possible now whereas before lock down I would tend to just buy things as soon as I felt I needed them, now I am really trying to extend my products life span and go shopping as little as possible.

There are a few other things I’m considering buying such as more sports bras, but I will hold off until I know I can afford them. I really want to subscribe to more magazines as well but they aren’t essential purchases so they go at the bottom of my buy list.

06/06/2020

I had a bad night’s sleep where I kept waking up during the night. I woke up wide awake at 5am and decided to get up. Predictably I did later fall asleep on the sofa around 8:30am but I had managed to have a productive morning first by sorting out my inboxes at long last. I deleted so many emails and folders, now it is all nice and streamlined. I used to work on a ‘keep it just in case’ system, but after I went on a records management course in January through work I began to see this system was totally ineffective. So I’ve been meaning to tackle my inboxes ever since and today I finally got round to it. I have already tackled my work inbox this week so it was time to do my personal ones.

I did go to the shops early in the morning. I went to Tesco for Beetroot Juice, Pepsi, Milk and Bananas and then I went to Holland and Barrett to buy Tahini Paste. Combined the two lots of shopping came to £9.14, so £4.57 for my half. I timed my visit to the shops quite well as there weren’t that many people there so I didn’t have to queue.

I did a few admin tasks at home then the flat mate and I started watching an old Euro 96 game of Scotland versus England. My flat mate told me I couldn’t miss the second half, so I quickly went for a run just before half time and came back when the second half was just starting again. It was good!

I got a lot done on my to do list, but not everything, but one thing I did do was the weekly pub quiz with my siblings, it was nearly a full house with 5 of us in total (I am one of 6 siblings) and my sister’s children all take part too so it was good fun. It was a tricky quiz put on by my brother and I came second to last, but I don’t care, I’m just there for the fun of it. I had some low percentage beers during the quiz so it was nice to try out them.

The flat mate and I watched 13th on Netflix, and it just devastated me and made me so sad and angry and depressed all at the same time and it made me realise I could be doing so much more and it is clear that we need to in this climate.

I went to bed later than I would have liked and I made it worse by reading for a bit (A Wild Sheep Chase by Haruki Murakami, I am reading all of his books in chronological order as a personal challenge I have been wanting to do for years). But I fell asleep quickly which was good.

07/06/2020

Sunday Funday! I am not going to spend any money today, at least not if I can help it, so I’m going to sign off this week.

I have been setting up a Facebook page and Facebook group for this blog, new today, if anyone wants to join me on those, and I also have a Twitter and Instagram account. This blog is still going to be the main source of information, but the other accounts have their purpose too.

I wish you all a lovely Sunday and a great week next week.

TOTAL SPENDING

FOOD AND HOUSEHOLD SHOPPING = £82.53 (£42.27)

PERSONAL SPENDS = £10.32

TOTAL SPENDS = £52.59

 

 

 

94 Days

I think a lot of people are beginning to be annoyed at the large amount of bank holidays during lock down.

I am of course only pretending to be annoyed by this. In the grand scheme of things it is not important.

It is still nice to have some time off work. I am debating whether to take a full week off work as annual leave or to take 5 Mondays in a row off work. I am now leaning towards the later.

I am feeling a lot recovered from the long weekend and I feel perhaps I am over the worse of my lock down burn out.

I have looked over my ‘June 2020 Finances’ spreadsheet which is where I detail my money in versus my money out. It is not entirely up to date given that I won’t get my pay slip until tomorrow but the prognosis is next month isn’t going to be as bad as I initially feared. My savings are going to take a hit, and I am still in two minds as to whether I am doing the right thing prioritising paying off the debt over saving. In the book I am writing I did just go over why it is better to prioritise savings over everything else on a financial journey and I really don’t want to be a hypocrite. I will see what I can do. I might partially transfer some of my new debt on to my 0% balance transfer cards and pay off the rest in full, and then the amount on the balance transfer card I will pay off over four payments.

I shall investigate.

It is nice to spend time in the house and make the most of things. I think I will watch A Streetcar Named Desire on the National Theatre YouTube channel later. Or some Netflix. Who knows, the world is my lobster (I know that’s not the actual expression, it’s something my flat mate and I say).

I still have a decent amount of jam tarts left. Just like Grandma used to make, literally.

I have some batch cooked Tuna Pasta Bake to see me through to pay day, and some potatoes that need eating up. All is good really when you think about it. What I mean is I’m trying to make the most of a bad situation.

I really do wonder what life is going to be like when ‘normal’ service is resumed. They keep talking about the ‘new’ normal and I wonder what that will involve. What will we keep from lockdown and what will go.

I am happy in myself.

My diet has completely fallen apart. I used to religiously eat my five portions of fruit and vegetables a day. For the last week or so that has fallen apart. Boo hiss. I don’t want to come out of lock down looking like a diagram of the covid-19 cell, big, round and with spiky bits (my hair is a bit wild). Despite running daily it turns out if you eat a lot of cake and jam tarts you will still put on weight. Who would have thought it?

I base my day around a to do list, it gives me an enormous sense of achievement though how much of that is actually real? I mean, putting ‘Hoover’ on the to do list takes 10 minutes if that, and is an easy win, but it contains the same real estate on a to do list as ‘write 3000 words’ which will take significantly longer. So it is important to do what I call the ‘Macro’ tasks first. I live my life by thinking macro over micro. What I mean by that is I prioritise the things that will give me the biggest pay off, the 20% of effort that produces the 80% of results. It doesn’t always happen but that’s what I work to in theory.

I have the urge to spend money. This is because it is a hormonal time for me and for people who know what I’m on about a little known fact is that people who menstruate tend to feel the urge to go shopping around ‘their time’. So be nicer to your significant other if they come back with half of Primark during their time. I am aware of this so I am quite good at ignoring this, or again I tend to go for purchases that will give me an investment rather than a bunch of tat.

Anyway, I’ve waffled on enough. I wish you all a pleasant Monday.

 

97 Days

I am writing a book about my debt free journey.

I am due to be debt free on the 27th August. It is a journey that will have taken me 1727 days, or 4 years, 8 months, 22 days. It was on the 6th December 2015 that I realised I couldn’t carry on with the way I had been living my life at that point. That is the date I began to take control of my finances rather than have them control me. Sorry for the cliché.

About 50% of my total debt was from being a bit silly with my money. Buying things I didn’t need, buying things I couldn’t afford, and buying things I neither needed nor could afford. However, the other 50% of my debt was from literally, and I do use that term correctly, not having any other option to survive.

At the beginning of my journey I kept it a secret. My partner at the time had an inkling as to what was going on but I was giving him an edited version of the full picture and I think to an extent he was too afraid to ask.

Now I tell anyone and everyone about my debt. I’ll talk about it to anyone who shows an interest, and probably to people even if they didn’t show an interest.

Getting into debt understandably changed my life for the worse. But getting out of it has ultimately changed my life for the better.

I am not the same person who got into debt. 10 years from now my financial journey will also likely take me away from the person I am now.

The most important thing I’ve learnt in life is you should never underestimate your capacity to change. You can change. You can make mistakes, but then you can fix them.

I have made countless mistakes with money, you name it I’ve done it. But I will never make them again and my financial past does not determine my financial future.

So I’m being a bit bolder and a bit more public about what I want in life. You all know that I’ve invested in a book writing course, so let’s hope that it will be worth my money (I’m sure it will be). Ultimately I will only get out of it what I put in. So I will do my best.

I am about 20000 words into the book, or two dissertations worth. I mean, I might as well write, it’s not like I’m going anywhere or doing anything else during lockdown. Might as well keep busy.

I didn’t spend any money today, which is always good. I did a run, which is always good, and I’m doing some writing. Good times.

See you tomorrow.

98 Days

Today has not been a good day for me mentally. I have good days and bad days. Sometimes I feel like I am the happiest person in the world and at other times I feel like everything is going wrong.

My sleep has fallen apart. I am constantly tired. I feel bloated and lethargic and weak.

I am struggling with working from home. Which is wrong, so many other people are worse off than me. I never realised how much I crave human interaction until now.

The food budget has completely overblown this month. I’m going to have to increase it to £400 next month (£200 each for me and the flat mate). This is going to cut my disposable income dramatically but I’d rather be prepared food budget wise.

All my bills have been paid for the month. I have about £17 left in my account. I get paid next week. It could be worse.

At least there are no more ants in my flat.

I am struggling a bit with lock down. I am trying to keep busy. I am trying to make the most of my time. I am trying to be productive. And some days I am. Some days I feel like I could have achieved more, but that is toxic productivity coming into play.

I am not sure what the rest of this year holds in store. No one knows. No one can predict anything. Interestingly I am reading a book called ‘The Black Swan’ by Nassim Nicholas Taleb about unpredictable events. I have a feeling this book will be reissued in a few years’ time with a new section about this pandemic.

But I am getting further away from talking about my debt free diary. I must keep strong. I must focus on the 27th August when I will become debt free. There is unlikely to be the party I was originally planning. Maybe I will make and decorate a cake, much like I did when I paid off my overdraft. It looked a bit like a contender for a Pinterest fail, but it was a novel way of celebrating it.

In 98 days’ time I will be debt free and to an extent my life can begin again. It will be interesting to see what the future holds after that point and it is at the very least something I can look forward to on the horizon that should predictably happen.

I can only hope.

99 Days

Hi everybody,

I am now in double digits of days left till I am debt free.

I have a habit of not being able to enjoy the good times. I am always fearful of the next bad thing to come along and take over my life and my finances.

I am in a good situation, I should enjoy the journey of life. But it is hard when I am publically making a declaration that I will be debt free on the 27th August 2020 as I feel the universe is going to smite me.

I’m sure the universe has bigger things to worry about than me.

I probably was rather impulsive signing up for the master class. I want to write a book, I want to write a book this year, I want to write a book during lockdown. I feel passionate about this. I want to do the best I can out of life.

I just have a real sense of seize the day and live for the moment due to lockdown. So many things I put off in life thinking I would always have the time for them only to find you can never predict what is going to happen next.

I want to keep a happy balance of prioritising my future, but living a little in the present as well and really making the most of what life has to offer.

Obviously my care free, live for the moment attitude is partly what got me into trouble debt wise in the first place. I don’t want to go back to that. I never want to use debt to fund my life. But I do want to be less fearful about spending money and accepting that sometimes a modest splurge is a good way to make the most of my life.

I just want to enjoy every stage of my life, the past, the present and the future. I see no reason why I can’t have this I just have to be sensible.

Today will be probably my best day at work for getting things done. I have mapped out my week and I highlight that I had the most uninterrupted periods of time today to get things done, so the things will get done.

It is a 4 day week for me this week as I have Friday off, then there is the bank holiday on Monday. I have big productivity plans for the 4 day weekend. That will keep me safely at home other than my daily run.

I don’t know what the next 99 days will bring. Maybe everything will go well. Maybe everything will go wrong. I don’t know, but if I worry about what might be then I suffer twice if it does happen.

Just enjoy the journey. I’ve made it this far on my debt free journey, I will survive whatever comes next.