Money Wise Talks 30/12/2021

In a flash that’s it – Christmas is now over!

It’s almost the New Year and soon we’ll be back to school and work.

Christmas this year has been the happiest I have been in a long time. Even though my hair dryer blew up and the oven door broke lol.

Since I left banking and a career I loved very much, I have drifted around whilst getting a degree but never really settled on a job I liked. I thought teaching was the answer, especially as a single parent. I mean all those holidays that teachers get and not having to find childcare outside of term time for 13 weeks a year, really sold it to me.

However, teachers don’t really get those holidays or anything close. To be honest, in the nine years my daughter has been born and since I became a teacher, I have never worked so much in my life. I was so unhappy. Don’t get me wrong, I am a hard worker, always have been but when you chose a career thinking you will get more time with your kid to find you have no time for them, things had to change.

Last Christmas, I was a teacher, unhappy, stressed and spent no time with my daughter.

This Christmas, I’m no longer teaching and I’ve found an amazing new job. Even though I only had one week off instead of two, I’ve enjoyed every minute of it! I didn’t forget to move the Elf on the Shelf once, I’ve spent time with my daughter, my parents, my stress levels are zero and life is just bliss.

My advice to anyone out there that’s unhappy in their job, please look into changing it. No job is worth your health. Even if that means having to go back to school. I left banking and started a full time course at university when my daughter was two years old. It’s easier than you think to study when you have young children. I found it more difficult as she got older.

Confession Time!

I did NOT need to buy my daughter more presents for Christmas!

There I’ve said it! If you remember from my Money Wise Talks 9/12/21 post , I spoke openly about feeling guilty that I’d not bought her enough because as her presents are getting more expensive there was less to open. Stupid really, but it’s so hard to ignore those feelings that tell you you’re a bad parent! If anyone has any tips for me, please let me know.

What I ended up doing was buying her some clothes to bulk out the number of presents she received. I would have bought her clothes in January anyway because she has out grown hers so I thought I would bring it forward to satisfy my feelings of not getting enough.

This is something I’m going to work on this next year because I know I’m a good mum. In fact, I am the best mum I can be. It’s just annoying that occasionally my feelings make me think otherwise.

Goals for 2022

I have set my goals now for 2022 and have a post on setting ‘End of Year Goals if you need some direction.

I have decided I need to be more specific in setting my goals, especially when it comes to getting out of debt. For the last few years, I have always said at the start of every year, “I’ll be debt free this year” and it’s not happened. Probably because I had no plan of how I was going to get there. Maybe, unconsciously I didn’t really want to find out the actual debt free date knowing it would be so far away in the future and that it would make me feel deflated. What I found out this Christmas though is how deflated I was by not knowing.

After crunching the numbers, my debt free date is July 2023.

I feel sad that it’s so far away, but this is based on my current income and being able to pay £800 off every month. If I get the promotion I am planning on going for in 2022, I will be able to pay more. Fingers and toes crossed I get the promotion, I can increase my payments and can bring that date forward!

What I have spent this week:-

£35.78 B&Q (Pots and compost)

£15.44 McDonalds (two trips)

£22.30 Just Eat (Curry and Pizza)

£12.34 Marks & Spencer (Bedding)

£16.00 Dunelm (Bedding)

Total £101.86

For Christmas, I asked for some kitchen things, a true sign that I’m getting old. I still can’t believe how excited I was to find a yellow bread bin and funky dinner set from Sainsbury’s that I’d had my eye on since the Summer. All this excitement made me want to finish the kitchen off so I popped to B&Q to get pots and compost so I could replant the plants I have in the kitchen. I also received a £100 Marks and Spencer voucher so treated myself to some much needed pillows and bedding. I’m ashamed to say I’ve had the same pillows and bedding for 16 years and they have definitely seen better days! Frugal living or just gross?!

I put them on my bed last night and the pillows were so plump, it was like being in a hotel. I also treated my daughter to a new duvet and pillow set – Hers was only 2 years old but had fairies on, which apparently is for younger girls now 😊

A couple of naughty takeaways just because I couldn’t be bothered to cook. We still have lots of food in the house from the huge shop I did a few weeks ago, so we will be eating that first before we go for another weekly shop. Apart from fresh bits for my daughters’ lunches when she starts back to school. But I’ll be doing a meal plan Saturday for the following week.

I will do a separate post to go through my 2022 goals, but I have decided not to do a no spend year. I will continue to track my expenses daily and aim for 25 no spend days in January.


Ahhhh I’m so excited and very nervous to announce, I am going to start a YouTube channel for The Money Wise Mum!!

This will start in January 2022 and will be to document the rest of my ‘getting out of debt journey’. I’m hoping this will give me the last push I need. You can subscribe here so you don’t miss my first and probably very awkward post.

July 2023 seems so far away so I need to make sure I stay motivated.

I hope it helps others too. I know watching my favourite You Tubers blogging about their debt pay off journey has helped me. It can be daunting having so much debt that you feel that there is no way out of it, especially as a single parent. But there is a way, it’s just usually a long and tiring one.

But we can do it together.

We got this! Here’s to a fabulous 2022!

And Happy New Year!



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