Long term readers (are there any other type now? pretty sure I don’t get any new ones these days 😂) may recall that in 2014 after splitting from my ex – the children’s father – I launched “project £20k” to raise funds to buy my ex out of our joint mortgage.
Well, as it turns out, I might need to do that again. Fun times!
It’s official: Gaz and I are separating. There’s been some incompatibilities in our relationship for some time and despite trying everything under the sun to make it work (and I do mean everything), it reached the point where forcing it along became painful for both of us, so we drew a line. We’re still friends, we still love each other, but being a married couple isn’t working for us now.
Anyway, you’d think I’d have learned my lesson from my first big split and scary financial situation but no, that would be too easy. Everything I have surplus once kids and bills are taken care of gets pumped into my business and my work, and my work is in the – awkward timing – position of expanding (as of next week we’re a team of four) so cashflow is tight.
I don’t have the balls to ask the internet for £20,000 these days (oh, the naivety) but I could do with your crossed fingers and best wishes and good vibes because reading back the posts from 2014 makes for some fucking stark reading and I need all the love I can get.
One of the things I realised quite rapidly when I first started freelancing — and it’s an obvious one, really — is that you’ll have good weeks and bad weeks. I say weeks, not months, because with the up and down nature of freelance income it really can be that volatile. While everyone else is… read full entry »
After the touch of reality reflected in the last post — how my over-spending and wastefulness was contributing to an unsteady financial future w/r/t buying a new house — I was already feeling a touch the poorer. So as you can imagine, when my accountant (well worth the spend) did my tax return for the… read full entry »
Feels like ages since I’ve talked about budgeting, and for a reason… with excess spend on frivolities, a loan to pay off two credit cards one of which I didn’t close and am steadily filling back up, an expensive honeymoon (which I barely contributed towards) back in October 2016 and the increased cost of US-based… read full entry »
Gaz is away til late tonight so I have 3 options: Catch up on some more work, which I need to do. Catch up on some housework, which I should do. Have a bath and go to bed with a bottle of wine and a book, which I want to do. Unfortunately after today the… read full entry »
I’ve just come off the phone to my current mortgage provider. I rang up to see how much I’d likely be able to borrow if I wanted to purchase a larger house using equity in this house as a deposit. I was hoping that because of my regular overpayments to my mortgage as part of… read full entry »
Having announced my intention to return to 100% freelance from October, it might therefore be surprising to hear that I’m also going to be attempting a pretty radical goal to try and drastically increase the amount saved to use against my mortgage balance: I am going to try and put away half of every paid… read full entry »
Off the back of yesterday’s post about earning passive income (which in itself was a kick up the bum, and I feel a little more inclined to get some of my stuff done) I’ve been thinking about other ways to earn “on the side” and one that I know is successful for a few of… read full entry »
I talk about passive income every now and again on my blog, so I thought I’d talk about what it means to me. What is passive income? Passive income is money I ‘earn’ without the need to specifically do anything to get it. That is, income that just drops straight into my bank or PayPal… read full entry »
As I woke up to another sale on my premium mail form yesterday, I felt like I’d received a fresh kick up the bum to start actively working towards my mortgage free in five years goal again. It’s not that I’ve not been working at it — all sales of the form (minus PayPal’s extortionate… read full entry »
