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  • FIRST POST
    • parsniphead
    • By parsniphead 5th Jun 16, 4:45 PM
    • 2,244Posts
    • 14,280Thanks
    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 43
    • Chrystal
    • By Chrystal 4th Nov 17, 12:48 PM
    • 124 Posts
    • 828 Thanks
    Chrystal
    Definitely get the new windows... they will be the gift that keeps on giving, keeping you warm and saving you money. X
    GC. Oct.17 = £261.18/ £300 = + £38.82 NSDs 20/31
    GC. Sept.17 = £354.89/£300 = - £54.39

    • in need of direction
    • By in need of direction 4th Nov 17, 4:12 PM
    • 4,735 Posts
    • 26,815 Thanks
    in need of direction
    I'm with Chrystal. Minimise your future outgoings.
    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.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 4th Nov 17, 4:33 PM
    • 2,184 Posts
    • 10,416 Thanks
    HairyHandofDartmoor
    You sound like you're going to have an efficient day. Bad weather does encourage indoor jobs

    Don't know what to advise re the ppi. I'd be tempted to pay off debt if it was me, as it could take a while to recoup the costs of reduced heating bills. But it depends how much the windows bother you? I'm sure you'll make the right decision for you
    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
    • doingitanyway
    • By doingitanyway 4th Nov 17, 8:18 PM
    • 2,178 Posts
    • 10,123 Thanks
    doingitanyway
    Windows gets my vote too, although whatever you do will take you forward
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • abba1772
    • By abba1772 4th Nov 17, 10:27 PM
    • 4,014 Posts
    • 12,296 Thanks
    abba1772
    I vote Windows we did our in May and defo recommend getting it done xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4536.82
    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 £6784.64 / £6000
    • parsniphead
    • By parsniphead 7th Nov 17, 6:59 AM
    • 2,244 Posts
    • 14,280 Thanks
    parsniphead
    Its going to be windows as its so cold in this house with single glazing. Decision definitely made. Thanks folks.

    I have been thinking in the past few days about the year ahead. Early I know but that's just me. Anyway since being on MSE under this guise and my previous one I have has the same old plans....year after year. You know pay off debt, lose weight, sort the garden and get my house sorted. On an on, every year the same. Its getting so old and boring. So I have decided to ring the changes and find some new challenges which will help bring about the previous but be a little more interesting.

    On area I struggle with is cooking. I hate cooking and I'm rubbish. I did a!ways used to cook from scratch though. Recently I've noticed its box after box in the freezer. Not good, not at all. So I'm going to work my way back through it all and start again. I'm aiming for as little prepared food as possible. I would go over to oldstyle but I always managed to get into a ruckus. There is someone there (a super popular oldstyler) who always seems to think its OK to start and I really can't be bothered, especially when I'm talking about my own job and they think they know better. So I will be giving that a miss but I will be looking around for inspiration.

    I do need something else though. Something to make me sparkle again. Perhaps not just a generic to do list, but a list with dates I want things achieved particularly in the house. I think a lot of this will be involving me learning new skills which is OK but I will wait until after Christmas as I would like it neatish for then. I do have a couple of old gas fires which need disconnecting so once that's done I can rip of the gorgeous 60's/70's fireplaces. If they were sorted my sitting room would be done. I don't know, we'll see.

    Anyway that's enough prattling on from me for now. Have a fab day x.
    Nothing gets better until you get better.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Nov 17, 8:05 AM
    • 2,184 Posts
    • 10,416 Thanks
    HairyHandofDartmoor
    I'm sure you've made the right decision for you re the windows. I know what you mean about other boards, they can be less kind than DFW which is why I want to stay here

    Your goals are big but you're right, a shake up in your thinking could help to get them achieved. Going back to scratch cooking will be healthier and should save money .

    When are you going to get the windows done now you've decided?
    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
    • Cherryfudge
    • By Cherryfudge 7th Nov 17, 9:56 AM
    • 942 Posts
    • 4,200 Thanks
    Cherryfudge
    Yay to new windows! I know you will love them - ours made such a difference.

    I don't know if this is your 'thing' but a while ago I was into 'bullet journals' - there's a lot on the internet about them and for some people they are works of creativity but mine was more a notebook of lists which included a chart for each month where I could tick off things that I achieved (exercise, going to work, piano practice etc.) It was quite a motivator. Other pages were lists for various projects so I could keep all the information together and put the date as each was completed. It gave me a bit more 'oomph' for a while (Till someone tidied it away and I got out of step... maybe I'd better get it out again).

    I can't really sympathise re cooking as it's something I really enjoy, but there's certainly satisfaction as well as money saving to be had from making things yourself. I don't do anything nearly as inventive as some people on this board but it's useful to have a few homemade soups in the freezer, or some flapjacks in a tin ready for when the offspring come raiding. I would recommend the soups more than the flapjacks, though, or I will sabotage your weight loss goal.
    • in need of direction
    • By in need of direction 7th Nov 17, 12:57 PM
    • 4,735 Posts
    • 26,815 Thanks
    in need of direction
    when i get stressed, i make soup as it gives me a warm glow to see homemade stuff in the freezer and it also means i don't feel bad about dumping veg as it goes into the soup.
    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.
    • parsniphead
    • By parsniphead 8th Nov 17, 7:24 AM
    • 2,244 Posts
    • 14,280 Thanks
    parsniphead
    I'm sure you've made the right decision for you re the windows. I know what you mean about other boards, they can be less kind than DFW which is why I want to stay here

    Your goals are big but you're right, a shake up in your thinking could help to get them achieved. Going back to scratch cooking will be healthier and should save money .

    When are you going to get the windows done now you've decided?
    Originally posted by HairyHandofDartmoor
    you're right, I do need to energise my thinking. I feel quite stuck in a rut at the moment.

    The windows will be after christmas but I'm thinking I may get a better deal if I had them done in the colder weather. That said, I need to do some research as I don't have the faintest idea of cost and I'm also a window snob. I have a victorian terrace so don't want modern white upvc. I think a bit more saving may be needed.

    Yay to new windows! I know you will love them - ours made such a difference.

    I don't know if this is your 'thing' but a while ago I was into 'bullet journals' - there's a lot on the internet about them and for some people they are works of creativity but mine was more a notebook of lists which included a chart for each month where I could tick off things that I achieved (exercise, going to work, piano practice etc.) It was quite a motivator. Other pages were lists for various projects so I could keep all the information together and put the date as each was completed. It gave me a bit more 'oomph' for a while (Till someone tidied it away and I got out of step... maybe I'd better get it out again).

    I can't really sympathise re cooking as it's something I really enjoy, but there's certainly satisfaction as well as money saving to be had from making things yourself. I don't do anything nearly as inventive as some people on this board but it's useful to have a few homemade soups in the freezer, or some flapjacks in a tin ready for when the offspring come raiding. I would recommend the soups more than the flapjacks, though, or I will sabotage your weight loss goal.
    Originally posted by Cherryfudge
    I've seen bullet journals cherry but they did seem complicated and I struggle to keep up with this diary. Perhaps I will take another look.

    I do have fads on making soup, depending on my mood. Kind of a throw it in and see what comes out thing. The last lot were dosgy though, I could almost slice them. Not very soup like.f

    when i get stressed, i make soup as it gives me a warm glow to see homemade stuff in the freezer and it also means i don't feel bad about dumping veg as it goes into the soup.
    Originally posted by in need of direction
    When I get stressed I eat biscuits. Perhaps that's why I'm fat. I don't but them now.

    I do have some old soups in the freezer. I must have. Look and see if they are ok. I could always water them down.

    I've been planning on completing my Christmas shopping today but I'm just not in the mood. I have a few bits to pop out for but the rest of the day will be sewing and decluttering. I have a few large sewing jobs coming up so need to sort that room really. I can get on top of the washing too.

    I also want to plan out my time for the rest of my days off this year. I can't just keep drifting along and not getting anywhere. I will also take a mooch in the cellar and see what I have to use to freshen things up a bit. I also need to figure out when to book the rug doctor to clean the carpets before christmas.

    Nothing too exciting but it will keep me entertained.

    Have a fab day all.
    Nothing gets better until you get better.
    • Cherryfudge
    • By Cherryfudge 8th Nov 17, 12:56 PM
    • 942 Posts
    • 4,200 Thanks
    Cherryfudge
    I do have fads on making soup, depending on my mood. Kind of a throw it in and see what comes out thing. The last lot were dosgy though, I could almost slice them.
    Originally posted by parsniphead
    I do mine like that on purpose!

    Bullet journals - make it as simple or complicated as you want. Mine isn't artistic and I don't go in for symbols. More a tick list with little arrows for all the stuff that gets carried forward!
    • doingitanyway
    • By doingitanyway 8th Nov 17, 5:44 PM
    • 2,178 Posts
    • 10,123 Thanks
    doingitanyway
    Yay, home made soup and bullet journals 2 of my favourite things. I recommend them both parsniphead.

    Yes, I ripped out old gas fires from my home a few years back. It made a difference, so also recommended
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • parsniphead
    • By parsniphead 9th Nov 17, 7:41 AM
    • 2,244 Posts
    • 14,280 Thanks
    parsniphead
    I suppose it wouldn't hurt to try and of course, I would been to find a lovely notebook to use. Any excuse.
    Nothing gets better until you get better.
    • UncannyScot
    • By UncannyScot 9th Nov 17, 8:19 AM
    • 868 Posts
    • 5,059 Thanks
    UncannyScot
    Doing grand Parsniphead
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    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.
    • Cherryfudge
    • By Cherryfudge 19th Nov 17, 10:13 AM
    • 942 Posts
    • 4,200 Thanks
    Cherryfudge
    Came looking to see f you're okay parsnip? Hope all's well and you're just very busy with windows.
    • doingitanyway
    • By doingitanyway 26th Nov 17, 10:57 AM
    • 2,178 Posts
    • 10,123 Thanks
    doingitanyway
    Missing you parsniphead and hoping all is well.
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
    • Chrystal
    • By Chrystal 26th Nov 17, 5:16 PM
    • 124 Posts
    • 828 Thanks
    Chrystal
    Hope everything is OK Parsniphead? X
    GC. Oct.17 = £261.18/ £300 = + £38.82 NSDs 20/31
    GC. Sept.17 = £354.89/£300 = - £54.39

    • abba1772
    • By abba1772 27th Nov 17, 8:34 AM
    • 4,014 Posts
    • 12,296 Thanks
    abba1772
    Hope you're ok xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4536.82
    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 £6784.64 / £6000
    • parsniphead
    • By parsniphead 2nd Dec 17, 12:08 PM
    • 2,244 Posts
    • 14,280 Thanks
    parsniphead
    Thank you all for you thoughts and I can only apologise for going missing for the past month. I hope you are all ok. I have a LOT of catching u to do.

    Things have been a bit, well strange here, to be honest. If I tried to explain it would be pages and pages. All I can say is recent events have highlighted how I'm so dissatisfied with everything at the moment, but also some ideas of how I make things better.

    I'm going to make more of an effort to come back and get back on track as EVERYTHING has gone pear shaped not being on here. I need this diary to keep me in line.

    I have deleted my signature but it does not reflect where I am at the moment. A new start with new challenges are needed.

    I'm off out now but will be back later.

    P x
    Nothing gets better until you get better.
    • doingitanyway
    • By doingitanyway 2nd Dec 17, 12:22 PM
    • 2,178 Posts
    • 10,123 Thanks
    doingitanyway
    So glad to have you back
    JANUARY 2016/SECURED DEBT=24,822/November 2017=3,500
    MORTGAGE FREE 25/07/16
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