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  • FIRST POST
    • parsniphead
    • By parsniphead 5th Jun 16, 4:45 PM
    • 2,242Posts
    • 14,273Thanks
    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.
    Nothing gets better until you get better.
Page 39
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 4th Oct 17, 7:23 AM
    • 2,176 Posts
    • 10,303 Thanks
    HairyHandofDartmoor
    My DS3 took ages to be dry at night, he was still in pull ups at night when he began big school! Nurse said he should stop wearing them as he needed to feel the sensation of being wet. Well, he wet the bed every night for a couple of months and then was suddenly fine .

    Hilarious about the mattress spring, although not for your DH at the time probably .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £181.63
    • abba1772
    • By abba1772 4th Oct 17, 9:10 AM
    • 4,012 Posts
    • 12,280 Thanks
    abba1772
    Poor hubby

    I always put my phone on silent after 10pm.....ifs it's an emergency they'll phone the landline xx

    Glad to hear your roof is holding out.....well done
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4629.22
    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 £6592.24 / £6000
    • parsniphead
    • By parsniphead 4th Oct 17, 7:50 PM
    • 2,242 Posts
    • 14,273 Thanks
    parsniphead
    Thanks for all the comments. I think poor hubby is not to damaged.

    I have give myself a kick up the bum tonight after achieving not much today apart from sorting the old mattress. I have booked my boiler and central heating service for the end of the month. Now i have to get the house sorted as their is no way im letting someone look around my house while itsin this state.

    Sometimes a bit of extra pressure is needed to get things done.

    Right time to take son to bed then hopefully an early night.
    Nothing gets better until you get better.
    • missymoo81
    • By missymoo81 4th Oct 17, 7:56 PM
    • 5,747 Posts
    • 19,852 Thanks
    missymoo81
    I hope you manage an early night lovely.
    • doingitanyway
    • By doingitanyway 4th Oct 17, 7:58 PM
    • 2,178 Posts
    • 10,102 Thanks
    doingitanyway
    Well done on booking the boiler service. I know what you mean about the state of your house. I live in dread of someone popping by without announcement, although anyone with half an ounce of sense would turn back at the overgrown untidy front garden. So going to get this sorted parsniphead. Sick of living this way
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • parsniphead
    • By parsniphead 5th Oct 17, 6:43 AM
    • 2,242 Posts
    • 14,273 Thanks
    parsniphead
    I hope you manage an early night lovely.
    Originally posted by missymoo81
    I did sort of missymoo.it was 10.15 by the time I got into bed but slept straight through. Well done new mattress.

    Well done on booking the boiler service. I know what you mean about the state of your house. I live in dread of someone popping by without announcement, although anyone with half an ounce of sense would turn back at the overgrown untidy front garden. So going to get this sorted parsniphead. Sick of living this way
    Originally posted by doingitanyway
    I'm with you DIA. It's such a never ending battle and I'm sick of it to be honest. It now has to improve much more, I have a set date. Yes it has got a bit better over the months but its moving way too slowly. I just want it done now.

    On that note I'm going to see what can be achieved before work. I could do with the whole day but can't so this morning and tonight will be busy times.

    Time to get on. Have a good day.
    Nothing gets better until you get better.
    • missymoo81
    • By missymoo81 5th Oct 17, 6:49 AM
    • 5,747 Posts
    • 19,852 Thanks
    missymoo81
    I too live in fear of someone just popping round! I seem to make progress then things get in the way like work or being out all day and just leaving stuff everywhere because I have ten seconds to get out of the house! Glad it's not just me!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 5th Oct 17, 7:10 AM
    • 2,176 Posts
    • 10,303 Thanks
    HairyHandofDartmoor
    I need at least two days notice before anyone visits

    I blame the fact that I live with four messy people and spend all my time trying to earn money but as long as everyone is happy, that's the main thing

    It does feel great when the house is tidy though, it gives you an illusion of being in control
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £181.63
    • parsniphead
    • By parsniphead 7th Oct 17, 2:14 PM
    • 2,242 Posts
    • 14,273 Thanks
    parsniphead
    Thanks guys. It does make me feel better when it's not just me. Oh the thought of anyone arriving at the house unannounced.

    I have had a funny day today. I went to the local shopping centre for new trainers for DS and came back with boots instead which is ok. They are lovely too. Mum also treated us to some luch. It was so nice to see DS eat so well.

    When I came home I had a letter from my mortgage provider. They have upheld my PPI claim and I have been awarded £4700. (Have you done that PPI claim DIA ). I also have a second claim on my first mortgage which I should hear about by Wednesday. Fingers crossed. I do feel cross that they overcharged in the first place putting so much financial strain on people. Anyway I know that I should pay it off the debt I have decided to put it towards getting some new windows. Mine are single glazed and run with condensation during the winter months. It's also causing issues with black mould. They are also very, very draughty. Time to upgrade to double glazing after 15 years of putting up. There will be a lot of thought before hand though and lots of research.

    Blimey I'm getting very organised. What with the boiler check and everything. I will have to change to name of the diary.

    Right a bit of me time then time to carry on with the house sorting.

    I hope you are all having a lovely Saturday.
    Nothing gets better until you get better.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Oct 17, 3:23 PM
    • 2,176 Posts
    • 10,303 Thanks
    HairyHandofDartmoor
    Wow what great news, you must be over the moon
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £181.63
    • Fortune Smiles
    • By Fortune Smiles 7th Oct 17, 8:31 PM
    • 2,581 Posts
    • 21,331 Thanks
    Fortune Smiles
    That's fantastic news - so pleased for you. Double glazing will make such a difference.

    Fortune x
    Mortgage: 2.4% paid House Deposit Contribution: 88% Emergency Fund: 57%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
    • abba1772
    • By abba1772 7th Oct 17, 9:03 PM
    • 4,012 Posts
    • 12,280 Thanks
    abba1772
    Fab news on the ppi claim well done and yes I agree I think you've suffered plenty with your Windows..........fingers crossed you get another nice payment from the other mortgage claim xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4629.22
    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 £6592.24 / £6000
    • in need of direction
    • By in need of direction 7th Oct 17, 10:12 PM
    • 4,735 Posts
    • 26,812 Thanks
    in need of direction
    brilliant news that should also help with the heating bill
    Mortgage at 01.01.14 £119,481.83 today £79,389.12, target £75,000 by 31/12/17 Offset fund today £4,055.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £130/200 cash.
    Current weight loss 7/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Cherryfudge
    • By Cherryfudge 8th Oct 17, 12:20 AM
    • 940 Posts
    • 4,181 Thanks
    Cherryfudge
    That's great about the windows! Having replaced old ones with double glazing ourselves I do agree with you. It's about quality of life and one or two fewer things to worry about - and as it will help reduce the need to heat, maybe in the long term it will help pay off the debt.
    • missymoo81
    • By missymoo81 8th Oct 17, 7:32 AM
    • 5,747 Posts
    • 19,852 Thanks
    missymoo81
    Oh fantastic news on the PPI claim parsnip! So happy for you!!!
    • redofromstart
    • By redofromstart 8th Oct 17, 9:24 AM
    • 599 Posts
    • 3,428 Thanks
    redofromstart
    That is brilliant news - and a sensible way to spend it. Although obviously 10% of any windfall should be spent on you! Its the rules...
    • parsniphead
    • By parsniphead 8th Oct 17, 4:40 PM
    • 2,242 Posts
    • 14,273 Thanks
    parsniphead
    Thanks oh all so much for your lovely comments. You are such supportive people. I'm still a bit in shock to be honest as I had heard that it's really difficult to be granted payments on mortgage PPI.

    It does feel very positive at the moment, as if everything is slowly starting to fall into place. DH has now started to go on again about the rewiring which REALLY needs doing. We have the money for this so just need to find a sparky (easier said than done). Once that's done I can start thinking about using the PPI money for windows and then start on the redecoration.

    I've been worried about getting windows lately. I thought I would never have the money. I just want a dry, warm, mould free home for my son to live in. I have felt so bad since he was born, like I'm not giving him a home he deserves. I have done as much as possible but a warm, dry house is something everyone deserves. Soon this will come to an end.

    On other news another tree man has visited. He is coming on 1st nov to take one down and half the other. Please, please let there be no storms between now and then. I have managed to book him on the same day as my boiler service so it will be a busy, busy day.

    So all of the above means one thing.......I HAVE TO GET RID OF THE BLINKIN CLUTTER.. The cupboard with the boiler needs to be done and the shed by the tree straight away with the rest of the house done before rewiring, decorating and windows. Looks like the christmas challenge is well on truly on.

    It would be nice for the work to be done by christmas though..... calm down parsnip.

    No, no. I've waited 15 years, I can do a few more months.

    Anyway operation get your bum into gear has well and truly kicked in. One hour per day minimum. No more procrastination. The only time off is for making money, playing with son and of course, reading diaries.

    Off to get rid of more stuff, then bath and diary time.

    Have a good rest of the day. P x
    Nothing gets better until you get better.
    • abba1772
    • By abba1772 8th Oct 17, 4:45 PM
    • 4,012 Posts
    • 12,280 Thanks
    abba1772
    I've got your decluttering bug.......just gutted the boys room, a black bag of rubbish 2 black bags of toys as well as a huge pile of clothes from my eldest boy as well as Xbox games and toys that can get sold on fb xx

    Took me four hours but boys room is sparkling
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4629.22
    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 £6592.24 / £6000
    • doingitanyway
    • By doingitanyway 8th Oct 17, 6:23 PM
    • 2,178 Posts
    • 10,102 Thanks
    doingitanyway
    I've been worried about getting windows lately. I thought I would never have the money. I just want a dry, warm, mould free home for my son to live in. I have felt so bad since he was born, like I'm not giving him a home he deserves. I have done as much as possible but a warm, dry house is something everyone deserves. Soon this will come to an end.
    Originally posted by parsniphead
    Reading this made me a bit emotional. What a lovely mummy you are.
    I'm so glad you got the PPI payment
    Using it for the window replacement is a great idea too.
    Decluttering, PPI, rewiring, redecorating. It is official you are on a roll
    Seeing you battle your demons here is inspiring and when it all comes good it's nice to be able to say well done
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • lcc86
    • By lcc86 8th Oct 17, 7:59 PM
    • 910 Posts
    • 2,388 Thanks
    lcc86
    Fab news about the ppi refund, new windows sound like a great plan, good to read that things are coming together for you in your home
    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! 28/11/17 - £132 2017 365 day challenge £667 saved for emergency fund £640 saved for house repairs
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