More like a strong cheddar that's been left out of the fridge

Aggr the last few days have been hard. Like hard cheese hard. Today has been especially tough.

What do you guys do on the bad days?

I'm thankful right now for the curry I just found at the back of my freezer  (I could kiss you, past me), my pyjamas, and my furballs for just being their daft crazy selves. Tuesday is one of my favourite nights on TV at the mo too (Goldbergs and tattoo fixers!!) I'm proper going to indulge,  may even invite some chocolate to the party and go crazy!

So yeah, just a short one off me today reminding you all that some days you just have to slow your shit down and take care of yourself.

Have a good night, from me and mooncat x

Taking control of your finances

Money, money, money

If you're anything like me you won't be the best with money. I've tried time and time again to 'be good' when it comes to controlling my spending and to try and get something into savings. Having started a job in the debt advice sector it's made me really analyse our spending habits as a family and basically has been a huge wake up call about how bad we are with money. Not only did we have no savings we'd also been overspending each month and piling it on credit cards. So after a mooch around the net and stumbling across Mr Money Mustache (seriously love this guy!) I'd found my latest obsession - sorting out our money situation.

So we've gone all guns blazing on trying to pay off this debt we've got hanging around like a bad smell. Looking at our spending habits over a couple of months was a SHOCKER! I recommend you all go do this (but be prepared to be horrified!). We certainly were when we realised aside from our mortgage our biggest outgoing was on food and eating out, spending a few hundred pounds each month on restaurants and coffee. Ouch. The easiest way I found to do this was to split our spending into main headings such as food, transport, eating out, clothes.... and working through our bank statements total up the spending for each category.

Time for a kick up the bum

The first logical step was to start out by doing a budget that included all the essentials that we have to pay for:

Essentials:
Mortgage
Building & contents insurance
Landline & internet
Food
Mobile phones
Pet insurance
TV licence
Council tax
Car insurance
Fuel
Car Insurance
Mr H's car HP - this ones a bummer, it's not something I wanted him to get in the first place but he's tied into it now so we just got to suck it up and pay it
Little H's sports clubs - most of these double us a childcare now that I'm working

Then we added in a couple of things that although we're essential, we really didn;t want to get rid of completely:

Non essential:
£50 a month allowance for social/entertainment costs
Little H's pocket money - he has to do jobs for this and only gets it on the agreement he puts half into his savings account
Clothing - we haven't set an amount for this but realistically things need replacing now and again like little H needing new school shoes this month. All non essential clothing costs have gone though, we're making do with what we have.

Next up I opened us a joint bank account that we have all our bills going out of and then use a 0% cashback credit card to do all the food shopping which we then pay off in full on payday.
So on pay day I transfer most of our wages from our accounts into the joint account. The only money we leave in our single accounts is fuel money Mr H, and a little in my account to cover pocket money and sports clubs. Anything left over after this goes on paying the debts off and some goes into our savings account for things we know we have coming up like birthdays, Christmas, & school trips.

Our first steps to being debt free

It's been a couple of months and so far things are going great. We've paid off nearly £3,000 in debt and saved just over £1,000 (this may seem strange but we're off to New York next month as we'd already booked and paid for it before deciding to go on a spending freeze).

At this rate we're hoping to be debt free in the next 6-8 months and then we can really ramp up the saving. I'll keep you posted.

Are you good with money or do you find it hard to control your spending?

Claire x

Job hunting with dyspraxia

Wow you guys! I'm totally amazed at how many of you stopped by to read my post about what dyspraxia means to me. It's clear to see that dyspraxia affects a whole bunch of you all around the world to some degree. So I want to say a big thank you to you all, you're fab.

As the post was so popular I've been considering writing more about living with dyspraxia. I already posted my tips for trying to keep a tidy home here.

I've not posted in a while as I started a new job earlier in the year so it's taken a while to get my act in to gear! Finding work and starting a new job can be hard enough for most people but with a hidden disability like dyspraxia things can be, well, a tad tricky I guess.

In all honesty I'd love nothing more than to be able to just find something I'm good at that can bring in enough money so that I don't have to work for someone. It would make my life so much easier and I'm sure many of you can relate to that. Unfortunately I'm yet to find that something so I'm battling on in the world of employment. I won't lie, it's not easy. Its a struggle some days and my current employers seem to have the same lack of understanding that all my previous employers have had when it comes to hidden disabilities.

To any of you currently looking for work, keep at it. I had so many applications ignored and rejected. My biggest knock back was when I interviewed for a job that I desperately wanted at a charity I'd worked for before. The interview was with a girl I'd worked for and knew, and they were well aware I had dyspraxia. What unfolded in the interview room was confidence shattering. The questions were so long winded that by the time the interviewer had finished asking them I couldn't have told you what she'd asked me for toffee. By the end of the 40 minutes having asked her to repeat most questions at least twice I was stumbling over my words and struggling to get any coherent sentences out. It was not a pleasant experience and certainly not one I'd like to repeat but hey if someone wants to treat me like that in an interview then they sure as hell don't deserve to have me work for them.

To any of you having similar struggles - don't let it get you down. Anyone would be lucky to have you work for them. You are amazing and unique and whilst you struggle with some elements of life, you sure do make up for it in other areas.

If any of you have any specific questions about applying for jobs or doing interviews then ask me in the comments below......

Have a great weekend,
Claire x

Kind resolutions

I must admit, I'm not one for making New Year resolutions. Up until a couple of years ago I'd set the same ones each year (lose weight, try harder, be tidier, have more friends.....). I'd never stick at them, and feel even more rubbish than I felt to begin with. I found an old diary when we moved this year from when I was only 9 years old with a couple of pages filled in. I had one of those moments of clarity when I read it and felt really bad for my younger me. I was so horrible to her. I'd basically written that I was fat and needed to be tidier and less clumsy. I also felt sad that I wasn't given the help I needed and was criticised for things that were entirely out of my control and made to feel that I wasn't good enough.

We put so much pressure on ourselves to be 'better' people, to be different people, that we don't always take the time to appreciate and love who we really are. Do I wish that I found things a little easier sometimes? Sure. Do I wish I wasn't so clumsy, or bothered so much by noise? Hell yes! As I've gotten older though I've learnt to appreciate my good qualities and my uniqueness too. Dyspraxia makes life hard enough at times as it is without beating yourself up over it. It doesn't feel great when other people make fun or are mean to you so why on earth do it to yourself? Madness!

So my resolution this year is simply to continue to embrace my uniqueness as much as possible and to be more kind to myself. Whether you're one for making resolutions or not I'd love for all of you to share this one with me. I also resolve to raise awareness of dyspraxia (hell the spell checker on my computer doesn't even recognise it as a word!) so that each and every one of you gets the support you deserve and that you all believe how awesome you really are.

Hope you guys have a great time bringing the New Year in tomorrow whatever you are up to. I shall no doubt be spilling my drink down me and tripping over my own feet but luckily for me everyone else will no doubt have had one too many and will be joining me for once. See you in 2015.

xxx

My manifesto

Taking a positive outlook on life isn't always easy but something we should always strive for and I guess it's something we all need to be reminded about sometimes. After watching Gala Darling talk about self love here it got me thinking about what my manifesto would be right now and this is what I came up with: 

Be kind to people, you don't know what they are going through. 

Always smile, it costs nothing and may brighten someone's day. 

Money is not everything; it may help but will not buy you happiness.

Don't sweat the small stuff. 

Grab every opportunity offered to you, you never know where it may lead.

The best things are often those which aren't planned. 

Step out of your comfort zone and do something scary every day.

Nothing lasts forever. Make the most of the time you have. 

Stop comparing yourself to others. Strive to be unique and a perfect you. 

Love yourself. 

What would your manifesto be?

x