Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • parsniphead
    • By parsniphead 5th Jun 16, 4:45 PM
    • 1,983Posts
    • 12,693Thanks
    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 25
    • in need of direction
    • By in need of direction 16th Jul 17, 10:55 AM
    • 4,416 Posts
    • 24,681 Thanks
    in need of direction
    You take care. It's really flooring when you see bad things happening to good and innocent people. Sometimes though it makes you hug what you have, if autism didn't mitigate against that. I know if I hadn't started to pay down the mortgage, start saving, I would not have been able to walk out of the job that was seriously damaging me. You're definitely on the right tracks, just stick with it.
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • parsniphead
    • By parsniphead 16th Jul 17, 9:24 PM
    • 1,983 Posts
    • 12,693 Thanks
    parsniphead
    Thanks INOD. Your right, my poor DS has been hugged so much this weekend. Luckily for me although he has autism he is very tactile. A bit to tactile to be honest, he's very clingy.

    I've dragged myself out of my gloom today. I need to get on with life for my family so can't just slip into a gloomy place. I have to put my sorrow for others somewhere so I can carry on. I've always said I would never make a vegetarian as I would get to into it and end up upsetting myself. See, debt is not the only place where I stick my head into the sand.

    I got paid for three of my sewing jobs today so I now have my £500 starter emergency fund. I have another two dresses to sort this week and another one to finish making. Will I ever get my list of jobs done? I also did a little promoting as one of the girls is getting married next year and may want some work done. I gave her my number.

    Tomorrow I need to focus on sewing BUT I do need to do some work tidying/decluttering the house......or maybe two hours of painting perhaps. I also still have a hall floor to stain. I can feel a few late nights coming up.

    Now I seem to have found my money mojo I have decided to start looking at my health. I have found a cook book which has some nice recipies and focuses on good health. I'm going to follow the plan and do the week one cutting sugar. Im going to do a bit of food shopping tomorrow to get some food in, some good food, not junk. I don't want to be fat and unfit any longer.

    Right time to do a few more bits then head of to bed later. Night 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 17th Jul 17, 12:37 PM
    • 1,983 Posts
    • 12,693 Thanks
    parsniphead
    I had a slight change of plan today. I decided to get as much of DS's school uniform as possible. I popped to the local school shop for the sweatshirts but only got one as I need to check the size. I then popped to T£sco to get 4 trousers and his tracksuits. I already have his shirts. Only a few bits to get.

    Mum has also said she wants to buy some of his uniform and has given me £25 towards it. I'm going to put that towards his shoes. It seems like since I got serious about money it seems more available, if that makes any sense.

    Decluttering is coming along nicely. Two bags of fabric and one bag of clothes to the charity shop. On top of that two bin bags into the bin.

    I'm just about to continue with the sewing now which will bring in a few more pounds. Right machine and Mr Ramsey.
    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
    • Bobarella
    • By Bobarella 17th Jul 17, 4:46 PM
    • 10,567 Posts
    • 68,970 Thanks
    Bobarella
    That was nice of your Mum.
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • parsniphead
    • By parsniphead 17th Jul 17, 8:08 PM
    • 1,983 Posts
    • 12,693 Thanks
    parsniphead
    It was Bob. She is an angel and dotes on DS. He is her only Grandchild so he gets all the fuss.
    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 Jul 17, 10:25 AM
    • 1,983 Posts
    • 12,693 Thanks
    parsniphead
    Morning diary

    It's a lovely sunny day here which is nice for the start of my new food journey. I have made plans, been shopping and hopefully will be improving my cooking skills over the next few weeks. Tonight for dinner we will be having Mexican mince in lettuce wraps with fresh salsa. Swanky eh, well it is for me anyway.

    Another change made is something I did a few years ago which helped my weight loss was cutting out sugar and bread. I didn't used to have sugar in tea part from the occasional treat but seem to have been having one per mug for the past year. Well it's gone again. Also last time I cut out bread I felt so much better so fingers crossed I will start getting my health and pain management back on track.

    The only problem with the changes is the complete change in shopping list. I have been buying the same stuff every fortnight for years but now I have to put in some effort.

    My emergency fund is still in tact so fingers crossed it will stay that way until the end of the month.

    Sewing work is still coming in so bringing in the pennies.

    But the list, oh the list, what a nightmare. Barely any of the jobs have been done due to the extra sewing work but I cant refuse it as its extra money and starting to get my name known. I have until Friday lunchtime to achieve some of the jobs before DS breaks up. Well the ones involving paint anyway. That child has his dad's talent with paint.

    Anyway must get on. I'm off to the charity shop to drop off yesterday's bags. then I'm going to spend the rest of the day on jobs.

    Have a nice 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
    • abba1772
    • By abba1772 18th Jul 17, 5:23 PM
    • 3,541 Posts
    • 9,198 Thanks
    abba1772
    Fab news on the emergency fund you did very well

    So sorry to hear about your friend and their little one.......poor wee soul xx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3529.52
    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 £3076.97 / £6000
    • parsniphead
    • By parsniphead 19th Jul 17, 11:49 AM
    • 1,983 Posts
    • 12,693 Thanks
    parsniphead
    Thanks Abba. Yes it's heartbreaking and makes me think of my own. If anything happened to one of us he has the other. It keeps making me cry to be honest. I just wish there was something I could do. Bl00dy stupid hateful disease.

    On a more positive note I have finally managed to build my bit of fence. It's in an awkward spot and the neighbours tree means I can't slide a panel in. Well after a bit of huffing and cursing it's done. It took about an hour. Why do I keep putting things off thinking I haven't enough time rather than just getting them done. Anyway I'm filthy now so im going to have a bath then get on with more sewing. I want as much of this as possible done today as tomorrow morning I would like to gloss paint the hall with the hope it will be dry before DS gets home. Then Thursday night I want to stain the hall floor so it has time to dry overnight.

    Ok. Time to get on and make some more money. Perhaps I'll go and work for BBC. I will do it for half the price.
    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
    • abba1772
    • By abba1772 19th Jul 17, 3:13 PM
    • 3,541 Posts
    • 9,198 Thanks
    abba1772
    My predicament that if anything were to happen to me my kids would get split up as my older two have a different dad from Kk even though my hubby has raised them for 5 years as his own and their own dad has nowt to do with them .........his choice but with Abbie being sixteen next year she could take charge of her brother plus they are old enough to voice where they would want to go...........it's scary to Think that might happen
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3529.52
    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 £3076.97 / £6000
    • parsniphead
    • By parsniphead 20th Jul 17, 10:22 AM
    • 1,983 Posts
    • 12,693 Thanks
    parsniphead
    Yes Abba, it's very worrying when you think about it. Fingers crossed it will never be an issue.
    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 20th Jul 17, 10:48 AM
    • 1,983 Posts
    • 12,693 Thanks
    parsniphead
    AN UPDATE AND CONCLUTIONS

    This may be a long post. Just me pondering on what I have achieved/planned to achieve.

    Anyway earlier this month I decided to hit the emergency fund and debt as hard as I can, with the crazy possibility of paying off all my debt and having an emergency fund before I return to work on 21st August. It's been up and down so far. My list is barely touched due to the amount of sewing work to do. This is good but I feel frustrated about the state of the house still. I'm planning to spend time in the hall today so that I can stain it after DS goes to bed tonight.

    The debt is plodding along. I have paid slightly more than the minimum which is not what I wanted but it's in the right direction. Also when I have more money in at the end of this week off the debt it will go. Lots more work to do here though.

    The emergency fund is now at £500. I do plan to increase this up to the full £1000 over the next couple of months but I'm absolutely chuffed to bits with this.

    I have four more weeks to continue to try and hit my target or make as big a dent as I can.

    Now the conclutions part relates to a book I have been reading lately. I can remember the title or author of the top of my head but one particular part of it rang true yesterday. She talked about when she wanted a car. She had looked at a sensible and affordable Honda or a sporty Audi convertible. She test drove them both and new the Honda was the right choice but REALLY, REALLY wanted the Audi. Anyway she brought the Audi. Then she said she became proactive In finding ways to make money to pay it of and that if she had the Honda she would have just plodded along and not found that motivation. What came to mind with me is EXPECTATION. I'm in the mindset often that I will always be skint and never have the nice things I want. My head says I shouldn't have them because I can't afford them and I have no right to them. If I expect to be skint I will be but if I expect more I will find ways to achieve what I want.

    IM NOT GOING TO GO ON A SPENDING SPREE BY THE WAY.

    But what's wrong with expecting a decent standard of living and being active to go out and achieve that. You see over the past 15 yrs (that's a long time) I have cut so far I don't often have the basics. What most people would say is the bare minimum. I feel like I have spent most of my thirties and half my fourties with completely the wrong mindset. I have wondered around looking like someone who, quite frankly, is in abject poverty. Why? I'm a dress maker. Market fabric is cheap. No reason to look like a hobo.

    Anyway this has also led, I believe, to me not looking after my home as well as myself. Things have broke, become tatty and unuseable and the structure is even beginning to deteriorate. I now have a leak in my bay roof. Also the tree very close to the house is looking decidedly dodgy. I dread every storm. I can't carry on like this. The roof needs fixing, the tree needs felling and the woodworm could have been treated simply months ago. I now have a bigger job to do.

    I don't want to be scared any more to face these issues. I have to focus on that I deserve a better standard of living and so does my family.

    So on top of the money challenge I pledge to get this whole house decluttered by my birthday in October.

    Every week I will pledge to repair something, such as the door which has come of a cabinet.

    I will find the money for the roof repair and tree felling.

    I will have the home and life I deserve.

    I'm sorry to go on but something has changed in my mind and I want to keep it there.

    Look after yourselves people and find a way.
    Last edited by parsniphead; Yesterday at 10:54 AM.
    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
    • Fortune Smiles
    • By Fortune Smiles 20th Jul 17, 10:02 PM
    • 2,440 Posts
    • 19,842 Thanks
    Fortune Smiles
    You deserve all of those things Parsnip and you can make them happen.

    Fortune x
    Mortgage: 0% paid House Deposit Contribution: 64%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • abba1772
    • By abba1772 20th Jul 17, 10:50 PM
    • 3,541 Posts
    • 9,198 Thanks
    abba1772
    You can do it xx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3529.52
    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 £3076.97 / £6000
    • in need of direction
    • By in need of direction 20th Jul 17, 11:13 PM
    • 4,416 Posts
    • 24,681 Thanks
    in need of direction
    Well done you. Look at your emergency fund. It shows that when you put your mind to something, you can achieve it. Just invite us all to the celebration party in your mended and decluttered home in October!
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Chrystal
    • By Chrystal 20th Jul 17, 11:33 PM
    • 23 Posts
    • 119 Thanks
    Chrystal
    AN UPDATE AND CONCLUTIONS

    This may be a long post. Just me pondering on what I have achieved/planned to achieve.

    Anyway earlier this month I decided to hit the emergency fund and debt as hard as I can, with the crazy possibility of paying off all my debt and having an emergency fund before I return to work on 21st August. It's been up and down so far. My list is barely touched due to the amount of sewing work to do. This is good but I feel frustrated about the state of the house still. I'm planning to spend time in the hall today so that I can stain it after DS goes to bed tonight.

    The debt is plodding along. I have paid slightly more than the minimum which is not what I wanted but it's in the right direction. Also when I have more money in at the end of this week off the debt it will go. Lots more work to do here though.

    The emergency fund is now at £500. I do plan to increase this up to the full £1000 over the next couple of months but I'm absolutely chuffed to bits with this.

    I have four more weeks to continue to try and hit my target or make as big a dent as I can.

    Now the conclutions part relates to a book I have been reading lately. I can remember the title or author of the top of my head but one particular part of it rang true yesterday. She talked about when she wanted a car. She had looked at a sensible and affordable Honda or a sporty Audi convertible. She test drove them both and new the Honda was the right choice but REALLY, REALLY wanted the Audi. Anyway she brought the Audi. Then she said she became proactive In finding ways to make money to pay it of and that if she had the Honda she would have just plodded along and not found that motivation. What came to mind with me is EXPECTATION. I'm in the mindset often that I will always be skint and never have the nice things I want. My head says I shouldn't have them because I can't afford them and I have no right to them. If I expect to be skint I will be but if I expect more I will find ways to achieve what I want.

    IM NOT GOING TO GO ON A SPENDING SPREE BY THE WAY.

    But what's wrong with expecting a decent standard of living and being active to go out and achieve that. You see over the past 15 yrs (that's a long time) I have cut so far I don't often have the basics. What most people would say is the bare minimum. I feel like I have spent most of my thirties and half my fourties with completely the wrong mindset. I have wondered around looking like someone who, quite frankly, is in abject poverty. Why? I'm a dress maker. Market fabric is cheap. No reason to look like a hobo.

    Anyway this has also led, I believe, to me not looking after my home as well as myself. Things have broke, become tatty and unuseable and the structure is even beginning to deteriorate. I now have a leak in my bay roof. Also the tree very close to the house is looking decidedly dodgy. I dread every storm. I can't carry on like this. The roof needs fixing, the tree needs felling and the woodworm could have been treated simply months ago. I now have a bigger job to do.

    I don't want to be scared any more to face these issues. I have to focus on that I deserve a better standard of living and so does my family.

    So on top of the money challenge I pledge to get this whole house decluttered by my birthday in October.

    Every week I will pledge to repair something, such as the door which has come of a cabinet.

    I will find the money for the roof repair and tree felling.

    I will have the home and life I deserve.

    I'm sorry to go on but something has changed in my mind and I want to keep it there.

    Look after yourselves people and find a way.
    Originally posted by parsniphead
    Now that is what I call a REAL light bulb moment May even turn into a Lighthouse and long may it shine. You go Girl. X
    • parsniphead
    • By parsniphead 21st Jul 17, 6:28 AM
    • 1,983 Posts
    • 12,693 Thanks
    parsniphead
    You can do it xx
    Originally posted by abba1772
    Thank you Abba

    Well done you. Look at your emergency fund. It shows that when you put your mind to something, you can achieve it. Just invite us all to the celebration party in your mended and decluttered home in October!
    Originally posted by in need of direction
    Thank you INOD. This place really keeps me going and reading diaries helps so much.

    Now that is what I call a REAL light bulb moment May even turn into a Lighthouse and long may it shine. You go Girl. X
    Originally posted by Chrystal
    Thank you crystal. I thinks it light bulb moment plus. I have never thrown out as much as I did yesterday.
    Last edited by parsniphead; Today at 6:30 AM.
    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 21st Jul 17, 6:35 AM
    • 1,983 Posts
    • 12,693 Thanks
    parsniphead
    You deserve all of those things Parsnip and you can make them happen.

    Fortune x
    Originally posted by Fortune Smiles
    Thank you fortune. Your diary has inspired me a lot lately. I want a lovely home.
    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 21st Jul 17, 6:48 AM
    • 1,983 Posts
    • 12,693 Thanks
    parsniphead
    Morning everyone

    A bitty day for me today. After taking DS to school I have shopping, boo hiss, I'm not a shopper. Then a few jobs before collecting him at 1.15pm for his summer holidays. I'm going to take him to get his shoes this afternoon. I know it's early but I would rather him grow out of them six weeks early than face the hell of clarks own millions of folks trying to get fitted. I'm a bad shopper and I don't cope well with those sorts of crowds.

    I need the bin men to come ASAP, they are due about 9am, I have more stuff to get rid of. I never, ever fill my wheelie bin and its stuffed full after yesterday's fun. It's made me feel much better but I still have a lot of stuff to do. I was talking to my neighbour yesterday and she was doing the same thing. It must be something in the air.

    I need to get my old baby gates together as I'm giving them to husbands niece who has just had a baby. Another two pieces of clutter out of the house on Sunday.

    Right I need to get going. I have the teachers/ assistants gift to get in the wally trolls. They get loads of stuff so I just brought them wine. It's not exciting but I'm sure will be appreciated. DS has brought his main teacher a plant, I prefer living plants to cut flowers. That will be more stuff gone again. I will beat the clutter.

    Today I will be successful.

    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
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

872Posts Today

6,587Users online

Martin's Twitter
  • Byebye! I'm about to stop work & twitter, to instead spend glorious time with Mrs & mini MSE. Wishing u a lovely summer. See u in 10 days.

  • WARNING Did you start Uni in or after 2012? The interest's rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

  • RT @JanaBeee: @MartinSLewis Boris is the anomaly (coffee), the others are versions of normal (beer). Lots of same candidates = vote share d?

  • Follow Martin