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  • FIRST POST
    • parsniphead
    • By parsniphead 5th Jun 16, 4:45 PM
    • 2,146Posts
    • 13,544Thanks
    parsniphead
    The end of procrastination and disorganisation.......
    • #1
    • 5th Jun 16, 4:45 PM
    The end of procrastination and disorganisation....... 5th Jun 16 at 4:45 PM
    .............and the above are the reasons for virtually all of my problems in the past and present, be it debt, weight, careers and the state of the house.

    I have plans, big plans which I don't have time to pop on here right now, but I intend to use this diary to sort me out once and for all.

    It's going to be fun.....a real step into the unknown.

    I can't wait.
    My August to Christmas challenge:.
    Pay off £2500 debt - £206/2500 8.24%
    Completely declutter the house by Christmas day...all of it.

    Nothing should be wasted on the self-sufficient holding. The dustman should never have to call. John Seymour
Page 2
    • takingcontrolatlast
    • By takingcontrolatlast 15th Jul 16, 5:56 PM
    • 551 Posts
    • 2,098 Thanks
    takingcontrolatlast
    An audience you certainly don't need when trampolining!

    Hope your decluttering goes well and that you can sell "stuff" towards your millionaire lifestyle

    Or EF!!!

    Have a lovely weekend Parsniphead
    Debt 2015 - £35K, Debt 2016 - £32K, Debt 2017 - £31K

    365 day challenge: £20.16/£667.95 - jar
    365 day challenge: £40.95/£667.95 - weekly account

    Overdraft £1700/£1686.12
    • parsniphead
    • By parsniphead 20th Jul 16, 12:27 PM
    • 2,146 Posts
    • 13,544 Thanks
    parsniphead
    No taking control, I definitely don't want an audience while trampolining.

    Dave Ramsey says the past for get out of debt you have to get 'Gazelle Intense'. Although I focus on my debt Constantly I can't say that I'm Gazelle Intense. Today I have been looking at budgets again and have come to realise I need to up my game. One of my cards has a budget/payment calculator. If I pay the minimum I will be free by 2046.........I don't bl00dy think so. After a few figure changes I could be free by October next year and save over £4000 in interest.

    I JUST GOT GAZELLE INTENSE.

    I have some work i have completed this morning which will bring in some extra money to throw at the debt on top of salary for the next few months.

    I'm now challenging myself to pay of the credit card debts by the end of the year. To have paid off my half of the car !oan by June next year and the mortgage to be splattered by October 2020 - my 50th birthday.

    Now back to Dave.
    My August to Christmas challenge:.
    Pay off £2500 debt - £206/2500 8.24%
    Completely declutter the house by Christmas day...all of it.

    Nothing should be wasted on the self-sufficient holding. The dustman should never have to call. John Seymour
    • takingcontrolatlast
    • By takingcontrolatlast 21st Jul 16, 12:22 PM
    • 551 Posts
    • 2,098 Thanks
    takingcontrolatlast
    Hi,

    Sometimes life gets in the way to be so gizelle intense as DR suggests but when you pointed out the savings on the cc ..wow .. yes you go gizelle girl !!!


    But remember to concentrate on one thing at a time... don't put too much pressure on yourself.

    So are you gonna pay the smallest cc first?

    I have the problem where I want to get rid of the debt but in the baby steps it says reach the emergency fund first. So how do you feel about that.... its hard isnt it... have £1000 in an EF or pay cc debt.... I'm still aiming for the EF but have asked DH to contribute to it as well rather than doing it all myself. It's a slow process though .. not gizelle intense at all as life is getting in the way (DD1 graduation for starters - not that she is getting in the way, its a celebration but costly!)

    Anyway hope the weather is being nice to you and your craft is going well and you are all creative

    Best wishes
    Debt 2015 - £35K, Debt 2016 - £32K, Debt 2017 - £31K

    365 day challenge: £20.16/£667.95 - jar
    365 day challenge: £40.95/£667.95 - weekly account

    Overdraft £1700/£1686.12
    • parsniphead
    • By parsniphead 21st Jul 16, 5:24 PM
    • 2,146 Posts
    • 13,544 Thanks
    parsniphead
    I really struggle takingcontrol. I know I should focus on the emergency fund and have decided to aim for £500 as I'm on a lowish wage. DR says to go for that amount so I'm happy, but I REALLY want to hit the debts hard. I'm hitting the little one first.

    Oh no DS wants the tablet, back later.
    My August to Christmas challenge:.
    Pay off £2500 debt - £206/2500 8.24%
    Completely declutter the house by Christmas day...all of it.

    Nothing should be wasted on the self-sufficient holding. The dustman should never have to call. John Seymour
    • takingcontrolatlast
    • By takingcontrolatlast 23rd Jul 16, 12:11 PM
    • 551 Posts
    • 2,098 Thanks
    takingcontrolatlast
    I agree with you its hard .. you sound really focused though on hitting that credit card debt and if and I support you all the way

    I'm also aiming for £500 for EF (my share) but ive never saved in my life so it is going to be really really challenging !

    enjoy your weekend
    Debt 2015 - £35K, Debt 2016 - £32K, Debt 2017 - £31K

    365 day challenge: £20.16/£667.95 - jar
    365 day challenge: £40.95/£667.95 - weekly account

    Overdraft £1700/£1686.12
    • takingcontrolatlast
    • By takingcontrolatlast 9th Aug 16, 5:48 PM
    • 551 Posts
    • 2,098 Thanks
    takingcontrolatlast
    Hi,

    How's things Parsniphead? You still going strong?
    Debt 2015 - £35K, Debt 2016 - £32K, Debt 2017 - £31K

    365 day challenge: £20.16/£667.95 - jar
    365 day challenge: £40.95/£667.95 - weekly account

    Overdraft £1700/£1686.12
    • parsniphead
    • By parsniphead 26th Aug 16, 9:21 AM
    • 2,146 Posts
    • 13,544 Thanks
    parsniphead
    Thanks for the messages taking control. Things have not been good here. I will pop back later with an update.
    My August to Christmas challenge:.
    Pay off £2500 debt - £206/2500 8.24%
    Completely declutter the house by Christmas day...all of it.

    Nothing should be wasted on the self-sufficient holding. The dustman should never have to call. John Seymour
    • takingcontrolatlast
    • By takingcontrolatlast 29th Aug 16, 6:27 PM
    • 551 Posts
    • 2,098 Thanks
    takingcontrolatlast
    Sorry to hear that Parsniphead - stay strong xx
    Debt 2015 - £35K, Debt 2016 - £32K, Debt 2017 - £31K

    365 day challenge: £20.16/£667.95 - jar
    365 day challenge: £40.95/£667.95 - weekly account

    Overdraft £1700/£1686.12
    • parsniphead
    • By parsniphead 7th Sep 16, 7:09 AM
    • 2,146 Posts
    • 13,544 Thanks
    parsniphead
    Thank you Taking control, I'm trying too.

    Well today is DS's first day back at school.... Year 1. It's going to be a massive change for him compared to reception and the changes here are massive too.

    I'm now redundant, as of August 31st but the plans I had in place have had to change. I was planning to go full time self employed but for one reason or another I need to find some kind of job.......possibly. DH has been very, very poorly during the summer hols and I'm not sure if he will be well enough to go back to work any time soon. He is getting better but it's going to be a long road to travel.

    So plans are to keep looking for a job which fits around life which is not easy with an autistic child. During this time to push to get in as much self employed work as possible to keep me from touching my redundancy payout. I'm currently still living off the final months wages but this will change at the end of the month. You never know but the time Im offered a job I may not need it, or I can go for a part time one instead.

    I do have more detailed plans and I will be back later today but now it's time to drag the small person from his pit and get him ready for school.

    One thing to say is this time the debt has got to go.

    Back later.
    My August to Christmas challenge:.
    Pay off £2500 debt - £206/2500 8.24%
    Completely declutter the house by Christmas day...all of it.

    Nothing should be wasted on the self-sufficient holding. The dustman should never have to call. John Seymour
    • parsniphead
    • By parsniphead 8th Sep 16, 11:34 PM
    • 2,146 Posts
    • 13,544 Thanks
    parsniphead
    A bit of a rant but I need to get it off my chest and have no where else to go.

    My son who has just started year one is being bullied by another 5 year old. What chance does he have when last year the guilty child's mum said that it's not all her sons fault as my son is as he is.

    FFS, he can't help being autistic. I hate this world sometimes. I wish I could escape from all this s**t.

    DS's teacher from reception has been so supportive, even tonight when he is no longer in her class. Tomorrow the school are going to find out how determined a very quiet, middle aged woman can be.

    I'm feeling so angry and disappointed with the society we are stuck with today. People just have no thought for others.
    My August to Christmas challenge:.
    Pay off £2500 debt - £206/2500 8.24%
    Completely declutter the house by Christmas day...all of it.

    Nothing should be wasted on the self-sufficient holding. The dustman should never have to call. John Seymour
    • lcc86
    • By lcc86 9th Sep 16, 6:52 AM
    • 867 Posts
    • 2,305 Thanks
    lcc86
    Sorry to hear that parsniphead, that mother sounds completely oblivious!! I don't have kids but work with them, and if she can't teach him to be accepting of other's differences and needs at that age what hope has he got?! Hope you get it sorted and that your boy is okay.
    1/12/14 total £9,140 DFD 30/01/17
    http://forums.moneysavingexpert.com/showthread.php?t=5124473 - my original DFD

    25/08/17 new total £802 back in debt but determined clear it by February 2018! 16/09/17 - £446 2017 365 day challenge £457 saved for emergency fund
    • parsniphead
    • By parsniphead 9th Sep 16, 12:37 PM
    • 2,146 Posts
    • 13,544 Thanks
    parsniphead
    Thank you Icc86 for your comments. They were very kind. It was the usual late night, tearful sadness thet just overcame me.

    I had emailed his ex teacher yesterday to ask advice and she forwarded my text to her line manager who sorted it by 8 this morning. DS has changed classes away from the child causing problems and he went to school smiling. Not only do I want this sorted for my son but it would be nice if the child could understand about differences. I'm sure he is not a bad child, perhaps not shown why he shouldn't treat others in such a way.

    The teachers have been brilliant so I'm going to email the headmaster and let him know what a good job they have done.
    My August to Christmas challenge:.
    Pay off £2500 debt - £206/2500 8.24%
    Completely declutter the house by Christmas day...all of it.

    Nothing should be wasted on the self-sufficient holding. The dustman should never have to call. John Seymour
    • Purplemumof2
    • By Purplemumof2 11th Sep 16, 7:14 AM
    • 5,047 Posts
    • 16,589 Thanks
    Purplemumof2
    Hi parsniphead,

    Happy new diary

    Sorry to hear about your redundancy and the problems with the bully, glad the school sorted it in the end.

    Wishing you lots of luck on the job front too, I'm sure you'll find something.

    Pmo2
    X
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £7400.00 Cap 1: £562.23 BC: £4577.81 Overdraft: £2750.00

    AFD 5/10 NSD 2/10 LTW 10/15

    20p Savers 2017 £2 Savers 2017 50p Savers 2017 SPC 10 2017 #003
    • Aamberle
    • By Aamberle 11th Sep 16, 7:31 AM
    • 559 Posts
    • 982 Thanks
    Aamberle
    Just read your diary ( sorry have not read previous one).
    Glad the school sorted it so quickly for you and that your son can go to school smiling..thats great.Glad to see OH on the mend and heres hoping the perfect job comes your way soon.

    Will be following with interest x
    2012 The year I started dealing with my debts.
    2017. Lets start this again shall we?

    Debt 1 Cleared 2/1/17 £480 Gone forever
    Debt 2 100/598
    • parsniphead
    • By parsniphead 11th Sep 16, 7:45 AM
    • 2,146 Posts
    • 13,544 Thanks
    parsniphead
    Thank you Purplemumof2 and Aamberie for your kind works.

    I've woke up feeling much more positive today. It's lovely a sunny, September morning.

    Oh no, the little one wants the computer. Back later.
    My August to Christmas challenge:.
    Pay off £2500 debt - £206/2500 8.24%
    Completely declutter the house by Christmas day...all of it.

    Nothing should be wasted on the self-sufficient holding. The dustman should never have to call. John Seymour
    • parsniphead
    • By parsniphead 12th Sep 16, 7:01 AM
    • 2,146 Posts
    • 13,544 Thanks
    parsniphead
    Frmorningworld.

    Now whenever I mae plans things go all wobbly, but today I have plans. As I aonly managed about two hours sleep last night it should be that I go back to bed after dropping DS at school but as a life long insomniac I will just get on with the day. Funny thing was I did think about staying up all night to hit this house and it's clutter hard. I was in the mood to do it, but I isloped off to bed. Shouldn't have bothered. Sleep sounds lovely though. So the plans

    1. To finish turning up some curtains and deliver if possible - a bit more money for the pot.
    2. Complete job application for local college.
    3. Collect prescription.
    4. Ironing/housework. I have only a little ironing so hardly any time to spend on that but it needs to be done.
    5. Christmas plans - I want to make mum a puff quilt and DS a bean bag. I always leave things to the last minute and end up not doing them. Not this year.
    6. Looking at the winter preps for the house. It was cold last night.
    7. Some quality garden time if time allows.

    I may not get it all done but I want to make a huge dent in the list.
    Some have to be done, some not so important.

    A few minutes more of peace a quiet then time to start getting small person out of bed.
    My August to Christmas challenge:.
    Pay off £2500 debt - £206/2500 8.24%
    Completely declutter the house by Christmas day...all of it.

    Nothing should be wasted on the self-sufficient holding. The dustman should never have to call. John Seymour
    • parsniphead
    • By parsniphead 13th Sep 16, 6:34 AM
    • 2,146 Posts
    • 13,544 Thanks
    parsniphead
    Morning diary

    Fresh from the bath and ready to go. I really wish I had a shower.

    Yestrdays plans were attempted but not finished. As follows.

    1. To finish turning up some curtains and deliver if possible - a bit more money for the pot. Half done. Have to be finshed today. Number one priority.
    2. Complete job application for local college. needs tweeking then sending.
    3. Collect prescription.iIm so irritated. This should have been ready for Friday night and was still not done at lunchtime yesterday. I now have to make another journey to collect it.
    4. Ironing/housework. I have only a little ironing so hardly any time to spend on that but it needs to be done. Done
    5. Christmas plans - I want to make mum a puff quilt and DS a bean bag. I always leave things to the last minute and end up not doing them. Not this year. I have been pondering while doing other stuff.
    6. Looking at the winter preps for the house. It was cold last night. Got the fleece linings for the curtains out. That's a far as I got.
    7. Some quality garden time if time allows. [COLOR="Purple"]I did go into the garden to hang out some washing......that's it.[/CLOOR

    Today I need to finish curtains and collect prescription. They are the most important. I'm then going to continue with the nightmare job of sorting DS toys from the spare room so the bed can be used when I get pushed out of mine by DH and DS. I'm too old for sleeping on the floor now.

    I'm going to leave my list at that because I always end up overwhelming myself.

    Today is also the day diets change in the household. We really ned to start looking after ourselves. Our eating habits have slipped a lot recently and personally I'm feeling like poo. Eight glasses of water for me. I've never managed this but I have a little chart in the sewing room as a prompt. In the past when I have drunk more water I have felt so much better and my skin has definately improved. Stupid not to really when it's such a simple thing to do.

    Now I'm off to weigh myself. Back in a mo.

    12St 2 1/2lbs and I'm only 5ft 2in.....just.

    No wonder ii have been feeling so rough and all my joints have been so painful lately. That has really crept up on me. Right first goal is to lose a stone by christmas. Easily done as the whole greed/food christmas thing annoys me. I never go mad at that time, it's just the usual stuff except for Christmas dinner.

    Another thing.........I'm really going on this morning.......is looking after myself. I always used to wear make up and get my hair cut regularly. My hair is a state so today I'm going to pop in and book a cut. I may even treat myself to some nice make up again.

    Right stop waffling and dry the mop, I mean hair. DS needs to be up soon.

    Have a good day.
    Last edited by parsniphead; 13-09-2016 at 6:47 AM.
    My August to Christmas challenge:.
    Pay off £2500 debt - £206/2500 8.24%
    Completely declutter the house by Christmas day...all of it.

    Nothing should be wasted on the self-sufficient holding. The dustman should never have to call. John Seymour
    • parsniphead
    • By parsniphead 14th Sep 16, 5:39 AM
    • 2,146 Posts
    • 13,544 Thanks
    parsniphead
    Morning diary

    I've been awake since 2am, damned insomnia, and now wish I had just got up and started painting. The room would have been done by now.

    Yesterday the curtains were finally finished and tie backs done. A lovely little payment to go into the pot. I really need to put in some effort now to get more work regularly. £33 per day would give me the same as what I used to earn so not a huge ask.

    Luckily I'm still in a motivated mood. I think it's autumn on the horizon. I do love autumn and spring.

    A few days ago I saw a gorgeous and sturdy large, oak bookcase in the local charity shop. I wish I had brought it but didn't. I'm going to pop up this morning and hope it's still there. I doubt it as it was so nice. We have loads of books on an old, rickety arg0s on which was rubbish from day one. Fingers crossed.

    Right painting until 7am then get the small person out of bed.
    My August to Christmas challenge:.
    Pay off £2500 debt - £206/2500 8.24%
    Completely declutter the house by Christmas day...all of it.

    Nothing should be wasted on the self-sufficient holding. The dustman should never have to call. John Seymour
    • parsniphead
    • By parsniphead 21st Sep 16, 6:56 AM
    • 2,146 Posts
    • 13,544 Thanks
    parsniphead
    Things moving along nicely here. The self employed work is starting to build nicely but I would need more for it to be full time. So I decided to apply for a job I saw advertised for a local college and I have been offered an interview. I feel sick as its such a long time since I had an interview but I will try my best.

    I have done masses of work in the garden to prepare it for next year. I want to try and be as self sufficient as possible, cutting food costs to the minimum. If I can get it secure swell I can have my longed for chickens. I have been saying this for 13 years though.

    The house is the next big project. I have things to save for like new windows but I'm trying to freshen everything up with a lick of paint. Oh and repaying things I have broken………I brake lots of things. I have a carpet cleaner booked for thursday and friday so that should sweat off a few pounds pushing it around mine and mums house.

    Today I'm siting a fabric shop in Kidderminster. Its sad that there is nothing more local really but never mind. I can't face the crowds of the Rag Market in Birmingham, plus its no nearer really. I need to get fabric for DS's bean bag, mums puff quilt and DH's american style work shirt. This will be a big help for christmas. I also have a rag doll to make for DS's school friend as he has been invited to her birthday party. I could do with an idea for a 6yr old boy too but I'm struggling. Perhaps a pencil/crayon roll with his name on.

    On top of that I need to order some leather and get some stuff made for my folksy shop. Now DH is showing signs of getting better I really need to push this business.

    Right housework and getting DS ready for school.

    x
    My August to Christmas challenge:.
    Pay off £2500 debt - £206/2500 8.24%
    Completely declutter the house by Christmas day...all of it.

    Nothing should be wasted on the self-sufficient holding. The dustman should never have to call. John Seymour
    • parsniphead
    • By parsniphead 23rd Sep 16, 6:56 AM
    • 2,146 Posts
    • 13,544 Thanks
    parsniphead
    A brilliant day yesterday for a very strange reason.

    Mum had hired a R*g D0ctor carpet cleaner from T3scos. Oh my they are so god its scary. The muck that came up was amazing and very satisfying. I had been using her V4x carpet cleaner but it was making little difference. £28 for two days and five carpets cleaner so far. It costs her £30 per room to have the man come out and do them. I must be getting old if I have so much fun with a carpet cleaner.

    This morning I want to focus on some housework and then get some sewing done. I have a pile of stuff to do for christmas gifts which will keep the costs down this year. I did spend £65 on Wednesday at the fabric place but it would cost me about £200 to pay for the goods I'm making in the shops….plus mine will be better and I will have fabric left over for other projects.

    Later I tink I may spend some time in the garden continuing with the big sort out before the weather changes to rain again.

    I love productive days.

    x
    My August to Christmas challenge:.
    Pay off £2500 debt - £206/2500 8.24%
    Completely declutter the house by Christmas day...all of it.

    Nothing should be wasted on the self-sufficient holding. The dustman should never have to call. John Seymour
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