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  • FIRST POST
    • parsniphead
    • By parsniphead 5th Jun 16, 4:45 PM
    • 2,077Posts
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    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.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
Page 19
    • doingitanyway
    • By doingitanyway 13th Jun 17, 7:01 PM
    • 1,755 Posts
    • 7,987 Thanks
    doingitanyway
    You are doing great Parsniphead. One day at a time and all that...
    JANUARY 2016/SECURED DEBT=24,822/July 2017=7,500
    MORTGAGE FREE 25/07/16
    • parsniphead
    • By parsniphead 13th Jun 17, 7:58 PM
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    • 13,234 Thanks
    parsniphead
    Thanks cherryfudge.

    I'm a visual learner and it really hit home how overweight and unhealthy i have become. I will never be 16 and skinny again, and i dont want to be, but i want to be fit and healthy.

    Thank you DIA. I try but I'm impatient.
    I have been looking at food tonight and trying to inspire myself. I have a colleague who i have been working with whose diet is very similar to yours so I'm going to pick her brain tomorrow.

    I have a new mantra I'm going to try.

    I will not just settle.

    Its hard being in debt but I dont think its an excuse to just take the lowest available. I could have eaten healthier. I can get two bags of fruit, veg and salad from the market for a couple of pounds.

    No excuses for looking shabby. I'm a dresssmaker which means i can make things from bargain fabric, upcycle charity shop stuff and have my own funky style. Also i can make more money than i do from sewing. I have just got down and not tried hard enough.

    No excuses for no excercise. Last time i checked walks were still free.

    This is meant as a positive post. I hope it doesnt come across the other way. We are all so strong and fantastic we should pat ourselves on the back more often.

    WE ALL DESERVE NOT TO SETTLE.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • UncannyScot
    • By UncannyScot 13th Jun 17, 8:17 PM
    • 487 Posts
    • 2,091 Thanks
    UncannyScot

    I have a new mantra I'm going to try.

    I will not just settle.

    WE ALL DESERVE NOT TO SETTLE.
    Originally posted by parsniphead
    Reminded of what my old Granda used to say,

    "Dinnae gie up oan yer dreams son, when ye stoap dreaming, ye stoap livin"
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • doingitanyway
    • By doingitanyway 13th Jun 17, 8:18 PM
    • 1,755 Posts
    • 7,987 Thanks
    doingitanyway
    Thanks for reminding me that exercise is free. I've used the excuse of not being able to swim regularly to dodge exercise lately. I am stopping this now. This minute. I think I will aim for 30 minutes exercise EVEY DAY form now on.

    I won't be settling either
    JANUARY 2016/SECURED DEBT=24,822/July 2017=7,500
    MORTGAGE FREE 25/07/16
    • parsniphead
    • By parsniphead 13th Jun 17, 9:12 PM
    • 2,077 Posts
    • 13,234 Thanks
    parsniphead
    Reminded of what my old Granda used to say,

    "Dinnae gie up oan yer dreams son, when ye stoap dreaming, ye stoap livin"
    Originally posted by UncannyScot
    I love this. I need to stop ditherin.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • parsniphead
    • By parsniphead 13th Jun 17, 9:22 PM
    • 2,077 Posts
    • 13,234 Thanks
    parsniphead
    Thanks for reminding me that exercise is free. I've used the excuse of not being able to swim regularly to dodge exercise lately. I am stopping this now. This minute. I think I will aim for 30 minutes exercise EVEY DAY form now on.

    I won't be settling either
    Originally posted by doingitanyway
    I'm a proper excercise dodger too. I feel exhausted at the thought of dragging my flab around, but I will have more if I dont.

    I just weighed myself after a bath. 12st 0.25lbs at 5ft 2ft.

    No more eating after 6.30 from now on.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • parsniphead
    • By parsniphead 14th Jun 17, 7:06 AM
    • 2,077 Posts
    • 13,234 Thanks
    parsniphead
    Once again the country is waking up to another disaster. What dreadful news about the people living in the flats and one can only hope that everyone managed to escape.

    We have to be grateful for our lives.

    Take care everyone. X
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • parsniphead
    • By parsniphead 15th Jun 17, 8:17 AM
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    parsniphead
    I have work today but tonight when I return I will be working on the clutter in this house from the moment I return until the moment I drop, with an amount of time given to getting DS ready for bed.

    I have a target to make a huge difference by the time I return to work on Monday morning.

    I've really got the bug and if I was off today I think I would make a huge difference. Never mind.

    I have been looking at finances and my big financial overhaul and plan is still work in progress as it keeps changing. I want to start some saving pots as soon as I'm debt free to start work on this house. Windows are so expensive.

    Have a good day all. X
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • hex2
    • By hex2 15th Jun 17, 4:39 PM
    • 4,683 Posts
    • 79,632 Thanks
    hex2
    I'm off tomorrow if you want company? I looked at some old photos and was shocked at how much better the house looked.

    *clears throat* parsniphead, parsniphead, rah! rah! rah! *twiddles pom poms*
    'If you have a garden and a library, you have everything you need' Marcus Tullius Cicero
    • parsniphead
    • By parsniphead 15th Jun 17, 5:24 PM
    • 2,077 Posts
    • 13,234 Thanks
    parsniphead
    Thank you Hex, but shouldn't those Pom poms be decluttered? Or do you use them often.

    I'm going to start in a minute, I've just come home from work. I have a couple of jobs tomorrow but then I will carry on when done. I have to help mum gets new washer as hers is broken.

    I hope it's dry tomorrow as I have loads of fabric to wash to donate to the school. Thet should clear up a load of space. Actually I'm going to put a load in now to dry overnight.

    I've been itching to get at this all day so I can't wait.

    I'm such an exciting person.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • hex2
    • By hex2 15th Jun 17, 8:30 PM
    • 4,683 Posts
    • 79,632 Thanks
    hex2
    Oh no, this house we would have at least twelve pairs of 'ever so slightly different' pom poms. All of which are loved and essential and a major crime against humanity if someone removed them.

    I'd probably choke on the dust if I twiddled them.

    I've vaguely tried, bins are emptied and the big bin out for collecting in the morning. DW on. Changed our bedding. Morning stuff sorted and a little of the tedious paid thing done to free some time up tomorrow.
    'If you have a garden and a library, you have everything you need' Marcus Tullius Cicero
    • doingitanyway
    • By doingitanyway 15th Jun 17, 9:54 PM
    • 1,755 Posts
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    doingitanyway
    Ditto Parsniphead. I am doing the organising/ sorting/ prepping until I drop tonight. Good luck with yours. Off to do mine.
    JANUARY 2016/SECURED DEBT=24,822/July 2017=7,500
    MORTGAGE FREE 25/07/16
    • abba1772
    • By abba1772 16th Jun 17, 7:11 AM
    • 3,630 Posts
    • 10,042 Thanks
    abba1772
    How did you get on last night with your decluttering xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5992.65
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £3427.27 / £6000
    • parsniphead
    • By parsniphead 16th Jun 17, 1:50 PM
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    parsniphead
    Not as good as planned Abba. I have been burning the candle at both ends and it finally caught up with me and for the first time in weeks I was in bed before midnight. I did get a load of fabric sorted to get rid of and some very small scraps binned. I also half filled a bin bag.

    Today so far I have been shopping with mum to get a new washing machine as her has packed up. then another lifetime on the phone to HMRC re tax credits. My DH should do it as he works for them but he refuses as he said its utter chaos. We are slightly under the limits and get sent credits which we save every year, then send them back the following year when they say it's been overpaid. So today I have withdrawn the claim. It's not worth the hassle and I get very stressed over them. if they send more I'm going to send them an admin bill. I'm sick of storing money for them which then I have to spend time sending back.

    Right kick up the bum time. An hour and a half before picking up DS time. I can get loads done by then.

    Back later.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • doingitanyway
    • By doingitanyway 17th Jun 17, 6:27 AM
    • 1,755 Posts
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    doingitanyway
    I used to get tax credits when freelancing until they claimed to have overpaid me. It was over £1,000! I repaid them and never applied again. I couldn't bear the stress either.

    Have a good weekend. Do something nice for yourself
    JANUARY 2016/SECURED DEBT=24,822/July 2017=7,500
    MORTGAGE FREE 25/07/16
    • parsniphead
    • By parsniphead 17th Jun 17, 8:13 AM
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    parsniphead
    We just used to save them up to pay them back DIA. DH works for HMRC and just doesn't trust them. Even if we were eligible to keep them I would feel uncomfortable and worry about repayment demands years later.

    I had quite a good day yesterday. I did some major work in my sewing room as it's the place where I can earn some extra money. I want to continue that this morning then start elsewhere in the house.

    I have a bag of clothes and a bag of fabric for the charity shop so that will be a bit more gone. Before visiting the charity shop I would like to sort out the cupboard with he glasses as I have loads I don't use. It's pointless to keep them when someone else could get pleasure from them and it will raise money for a local hospice. I also threw out a couple of bags of junk. I'm thinking by next Friday I will need to pop down to the tip. I already have a small pile to go.

    The books from the bookcase in the hall have been moved to the spare bedroom. I like the look of the hall without the bookcase. I would like to get a nice little console table for in there though.

    I have some washing to do today and need to strip the beds and get that washed and dried. I'll get that done first thing.

    I also have some me time planned to with some catching up with the diaries. I love a good nose and they keep me going.

    Have a good day in the sunshine all.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • parsniphead
    • By parsniphead 18th Jun 17, 9:02 AM
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    parsniphead
    Goodness it was hot yesterday. I got some jobs done but took it easy to be honest.

    Today I have the last of the washing to do and just get it put away. Also I need to get some flowers for dads grave. Happy Father's Day dad.

    I'm going to carry on with the work today but again take it easy. I need to finish the sewing room. It's more toys than a workroom.

    The garden needs a bit of a tidy too but I will need to see. My house is overlooked by a tower block. When it's hot the sun bounces off the windows and back into my garden. It was 110 yesterday. My old garden thermometer went up to 126 a number of years ago then the thermometer gave up working. They are mostly empty now and are due to come down in a couple of years so my garden should be more usable in the summer when they do.

    Right time to get going. I'm going to stash charity shop bin bags in my car until I can take them the get some more to fill.

    Have a good day all.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • parsniphead
    • By parsniphead 19th Jun 17, 6:37 AM
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    parsniphead
    Once again we wake up to bad news. There is so much hate in this world and it makes you wonder if it will ever come to an end.

    Its my last week with students and next week is training then im free for some weeks. This means the pressure is on to get things sorted as much as possibke in the next 14 days. Thats ok, I work better under pressure anyway.

    This morning I will put away dry washing and do another load and get it out to dry. I could do with getting my curtains down too this week. Perhaps tomorrow.

    Money is very tight at the moment due to paying out for sons party at the beginning of the month. I have some coming in from jobs but next month i need to totally cut back and go all Dave Ramsey. Im thi king a car boot or two may be needed.

    Right ho, housework then work. Have a good day.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
    • Cherryfudge
    • By Cherryfudge 20th Jun 17, 11:06 AM
    • 577 Posts
    • 1,739 Thanks
    Cherryfudge
    Life would be so much easier if I could steel myself to do a car boot, so I wish you well with yours, if you do one.

    It's obviously about to be a busy time so the pressure will be on to cut corners by food shopping... at least that's how it works in my house. Hopefully your money will come through soon and take that pressure down a bit.
    30 days in June...
    NSDs 9/12, Exercise 8/12, Housekeeping £108.57/£120
    • parsniphead
    • By parsniphead 20th Jun 17, 6:46 PM
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    • 13,234 Thanks
    parsniphead
    Thanks cherry fudge.

    I have been very stressed about money today. I haven't been keeping my eye on the ball and have been spending willy nily with no set budget. I now find myself with £30 of DD's to come out and a food shop to do with £25 in my account. I'm going to check the cupboards and freezers to do some batch cooking for the next week until payday and hopefully I should get through with a little top up shop. Food comes before bills.

    My cards are not reducing either at the moment. I read so many diaries and so many posters have such detailed plans down to the last penny. I need to get back into this mode. I coped during mat leave and I can do it again. I just need to find my mojo.

    I will be back with plans. I can't keep going on like this.

    Fed up and cross with myself today... Sorry.
    Debts as of 08/07/17 Credit cards £7811 majority on 0%. Car loan £1500 my half. Mortgage £36272 remaining balance (10 yrs 2 mnths remaining - i think not). Emergency fund £500/500
    GAZELLE INTENSE AND GAINING TRACTION
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