Thankful thoughts

It’s officially Autumn now and there’s a definite pity party happening in the household at the moment… I’m fed up of it and everyone around us must be as well. We have an amazing life so to try and head it off I wanted to write down just some of the things I’m grateful for.

There are many things I could start this list with but I’ll start with the sappiest one and say my husband. I often sit and marvel that I’ve been blessed with such a beautiful man inside and out. I appreciate more and more the wonder of finding someone who wants the same things for our future and will bust his butt to get them for us. I asked him the other night what inspired him to do what he did (it was a question I’d struggled to answer that day when asked in work) and he said providing for me. He is motivated because we want our future goals to come to fruition ❤️. How often would you find a man who’s willing to run the same budget numbers with you every night just because it keeps you focused?!

The next thing I’m supremely grateful for is my friends. At 30 I have best friends, actual movie style best friends, who aren’t just my family. It’s something I haven’t had since I was 15 and it’s odd and great! It’s been a whole learning experience for me. Two of my closest female friends do me the very great honour of allowing me to call myself Aunty to their babies. They let me bug the life out of them by hanging out at their house and drinking tea and playing with my beautiful niece and nephew for hours on end. I’ve now been asked to be Godmother to a gorgeous new Godson who will arrive in January. I don’t know if I can describe how humbled and amazed it makes me feel to have both these ‘titles’ for these tiny humans. I love them unconditionally and it is a phenomenal thing for me. It also means I have people who are at the same point in life as me and who I can talk to or even bitch too when I am having a bit of a crap day. To have people understand or just listen is great. They are there to just text or go and see and sometimes I just have to remind myself that that isn’t an inconvenience for them, they actually don’t find me that boring! They’re also the ones who have been there every day when I’ve been honest and said I can’t afford to do something. Instead of just avoiding hanging out with me they’ve happily spent time doing free stuff with me. They’ve also put up with the fact I haven’t even been able to get them a birthday present this year or indeed buy anything for them (the absolute hardest thing for me!).

I was also asked this year to be bridesmaid to one of my other friends. A complete surprise and a wonderful one. This is the first time I’ve been bridesmaid for someone who wasn’t family. It makes my heart happy that someone would want me to be up there, right next to them, on such an momentous occasion. All of these things just make me sit and think wow. These beautiful beings could have chosen anyone for these things but they chose me (or got stuck with me in the case of the babies 😂). I honestly just feel so lucky to have such caring people surrounding me.

I also have more friends than I know what to do with to be truly honest. I’m not a great socialiser at all, I like who I like and would do anything for them but that tends to be a very small number. Thanks to my job I find myself surrounded by amazing and interesting and funny people. They all seem to be willing to have me as a friend and actually want to talk to me and meet up with me. It’s been really difficult the fact that I’ve had no frivolous money to go out for tea and cake with these new friends but we’ve made it work.

I’m also really grateful for husband and I’s jobs. There are so many people we’ve read about, going through the debt journey, and they’re biggest problem is their income. I have a job which I love and that has been able to double my hours since the start of the year. This is through the generosity of my managers and it has obviously made an immense difference in our ability to clear down the debt. I also love what I do, I spent years in jobs I didn’t enjoy but now I get to love going into work every day. I’m working from 4pm till 2am today and I honestly can’t wait for it! I know that not a lot of people can say that about their jobs.

My family are the other area where I’m filled with love and blessings. I have a fantastic family. They drive me up the wall a lot of the time but that’s what family are for. I have been blessed from the second I was born with my family and I doubled down on it when I got married and had another amazing family take me in and call me their own.

Lastly I’m grateful for all the opportunities we’ve been given. No matter what we need God always seems to give us a way of getting it. No matter how badly we’ve screwed up or when we’ve got sick and tired of budgeting etc etc, we always seem to be able to get back on track. I’m so grateful for all the times that this has happened. We are blessed with a life of abundance and that’s what we need to focus on just now instead of the few small things that we’re griping about. This autumn is definitely a season of big change.

 

 

 

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Debt update- March

Another month has flown by and it’s payday again (yay!). This meant we had our final budget meeting of the month last night. We learned a couple of lessons from the month as there were some unexpected monies that we had to pay out and silly things we hadn’t considered.

The first of which was because our hoover packed in. Not ideal when you’re decorating and have an extremely fluffy dog who sheds everywhere! So we had to buy a new one. Now we do put aside money for the house each month as we’re still in the middle of decorating it. However we have that currently earmarked for finishing the downstairs. So we decided to use our ‘spare’ council tax money for the month instead and buy a new hoover. This took away some of the over-payment we’d been intending to make to the debt.

The second lesson we learned (which realistically we should have thought off before) is to take into account the number of weeks in a month. As husband gets paid on the last day of the month, it does make a difference to our monthly budgeting. March was a 5 week month for us and this means that we should have increased our food and petrol allowance. We didn’t so that of course meant we overspent. It was a good lesson to learn and will help us going forward.

We’ve also spent a bit of time organising all our paperwork that just seems to pile up… I was horrified to realise that off the 5K a year we pay to our mortgage, only 1.5K off that actually gets removed from the capital amount. That’s a depressingly small amount! We’ve discussed it and the aim is for us to be debt free by the time we’re both 30 and mortgage free by the time we’re 40. That means that we need to make a massive change or we’ll never achieve it. So… In order to do that and also to help with the debt we’ve cancelled our last sharesave. That gave us a couple of grand back in cash to pay to debt and also frees up £110 per month. That £110 is now going to be an overpayment to the mortgage each month. That’ll start from the beginning of April. One of the reasons for that is we’ll have a lower LTV ratio when it comes time to re-mortgage next year at the end of our fixed rate term. In order to achieve being mortgage free by 40 we will need to start paying 1K a month to our mortgage so we are even more desperate to get rid of this debt so we can do that!

Ok now debt figures… We started the month at £9918, our standard payment of £300 has come off so now to figure out the over-payment! It turns out that we were slightly over enthusiastic last month when it came to paying extra money, we actually put our holiday money to the debt as we’d forgotten it was holiday money… Nevermind! It does mean that we can’t pay as much as we’d thought we could this month though. Our extra payment this month will be £1600. This will take us to £8018. We’ve also managed to sell my old car and I have a couple of makeup jobs which will bring in an extra £400 that can go straight to debt. Also in April my pay rise starts so we will have another £100 per month that can again go to debt each month.

The last thing we have in favour of our debt is that 1K of it isn’t actually our debt. When we were consolidating our debt into a loan we included £1500 to give to one of our friends. (There was a very good reason for doing it). This is paid off at £50 per month and will continue to be. So if we don’t include it then we are down to £6618 that we have left to pay. That works out at just £735 per month for the rest of this year and we’d be done! It is an amazing thought that we could finally be rid of this by 2018. I am desperate for it to become a reality…

Love, Kimmy x