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  • FIRST POST
    • parsniphead
    • By parsniphead 5th Jun 16, 4:45 PM
    • 1,804Posts
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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.
    Pay off debt by Christmas 2017 #22 - 1012.22/7148.39 14%
    I have already lost touch with a couple of people I used to be. Joan Didion
Page 9
    • parsniphead
    • By parsniphead 20th Mar 17, 5:28 AM
    • 1,804 Posts
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    parsniphead
    Its quite restrictive. You have to follow the plan and eat what they say, which is ideal for a lazy devil like me. If you google it their site pops up.

    I was 11st 12 on friday and have just weighed myself at 11st 5.5lbs. It is mostly water weight i reackon but it has broken a pattern for me. One thing i noticed was how my blood sugar was more stable and mine is usually very up and down.

    Oh plus i did drink lots of water.
    Pay off debt by Christmas 2017 #22 - 1012.22/7148.39 14%
    I have already lost touch with a couple of people I used to be. Joan Didion
    • parsniphead
    • By parsniphead 20th Mar 17, 7:29 AM
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    parsniphead
    If I wasn't so short on times this could potentially turn into a very long post.

    Last night I was sitting next to DS while he was sleeping and for some reason got to pondering how we would cope if homeless, etc. This links back to a vivid dream I had some time back. Anyway it made me feel very insecure. My financial position is very fragile but it shouldn't be. I have been here under this user name since 2009 and another name for a few years previous to that, roughly 12 years.

    WHY AM I NOT DEBT FREE BY NOW?

    I read too many diaries on here and so many folks have arrived scared, turned intodebt paying off monsters and left debt free. I'm still here. Why? Because eventhough I'm frugal I have been playing at it. I need to focus more, be more organised and not procrastinate .

    Focus focus focus.

    Step 1 - I need an emergency fund. Initially I will aim for 500 as my salary is very small Indeed. I need this by the end of may without fail.

    Selling rubbish here I come.

    I'm not going past that step until it is completed. I need to focus and stop overwhelming myself. I will no longer be stopped by fear.

    Have a good day. P x
    Pay off debt by Christmas 2017 #22 - 1012.22/7148.39 14%
    I have already lost touch with a couple of people I used to be. Joan Didion
    • doingitanyway
    • By doingitanyway 20th Mar 17, 9:09 AM
    • 1,499 Posts
    • 6,727 Thanks
    doingitanyway
    Go you!
    JANUARY 2016/SECURED DEBT=24,822/ February 2017=10,492
    MORTGAGE FREE 25/07/16
    • Bobarella
    • By Bobarella 20th Mar 17, 2:48 PM
    • 10,537 Posts
    • 67,758 Thanks
    Bobarella
    Oh so sorry you felt so worried. There is no point beating yourself up over what you haven't done before. You sound incredibly motivated now. And that's all that counts. It's ok to slow down so long as you don't stop!
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • parsniphead
    • By parsniphead 20th Mar 17, 7:14 PM
    • 1,804 Posts
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    parsniphead
    Thank you doingitanyway and bobarella.

    I'm the typical 'bull at a gate' type. I want it all done now.

    On a positive another self employed job has come in. More pennies for the emergency fund.

    Very tired tonight so of to bed in a minute. Good night all you lovely people.
    Pay off debt by Christmas 2017 #22 - 1012.22/7148.39 14%
    I have already lost touch with a couple of people I used to be. Joan Didion
    • Bobarella
    • By Bobarella 20th Mar 17, 9:41 PM
    • 10,537 Posts
    • 67,758 Thanks
    Bobarella
    Horray to more work and lovely dosh
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from 40k in the hole 2012.
    Roadkill 17 53.62 2016-62.28 2015- 84.20)
    RYSAW17 1805.58 2016 2,535.16 2015 1027.20
    • parsniphead
    • By parsniphead 22nd Mar 17, 7:31 PM
    • 1,804 Posts
    • 11,869 Thanks
    parsniphead
    What a bl00dy awful evening. My card was declined in T3sco at the same time DS went I to crisis. I managed to calm him some before he went into it against at the train station. Oh the joys of autism added to the complete lack of understanding by the public around.

    Feeling very, very p1ssed off and even more desperate to sort life once and for all.
    Pay off debt by Christmas 2017 #22 - 1012.22/7148.39 14%
    I have already lost touch with a couple of people I used to be. Joan Didion
    • parsniphead
    • By parsniphead 23rd Mar 17, 10:52 AM
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    parsniphead
    The news from London yesterday was so sad.

    I guess there will always be a risk while humans occupy the planet but its important to remember its a small percentage of humanity. Most people are decent, good people.

    I will not let a few individuals turn me against others.
    Pay off debt by Christmas 2017 #22 - 1012.22/7148.39 14%
    I have already lost touch with a couple of people I used to be. Joan Didion
    • Fortune Smiles
    • By Fortune Smiles 23rd Mar 17, 5:48 PM
    • 2,359 Posts
    • 18,972 Thanks
    Fortune Smiles
    Hi Parsnip. Hope you're having a better day. Most of us are just getting through life the best we can - if I get to the end of the day and everyone is still safe I call it a success

    Fortune x
    Moving Costs: 98% Mortgage: 25% remaining House Deposit Contribution: 60%

    "It is possible to move mountains by carrying small stones."
    • parsniphead
    • By parsniphead 24th Mar 17, 8:13 PM
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    • 11,869 Thanks
    parsniphead
    Hi Parsnip. Hope you're having a better day. Most of us are just getting through life the best we can - if I get to the end of the day and everyone is still safe I call it a success

    Fortune x
    Originally posted by Fortune Smiles
    Too true Fortune smiles. Lots of people have so much to deal with.

    I have applied for another job today. It would mean 5 days per week but 2000 plus per year payrise. I could do my sewing job evenings and weekends. I so much want to get financially secure that I'm thinking that to spend a year or two focussing on that would be better. Should the self employed thing get bigger I can change plan.

    I may not get it but I'm going to try my hardest. Plus it will help as its at DS's school.

    Struggling with the healthy eating today. I don't want to eat rubbish, I just want loads more food which is nonsense as I'm not really hungry. I don't want to slip up as I want to be under 11st by Monday.

    I've been busy today. I've moved the spare bed into DS's room. I will need to get a new mattress eventually but it will be OK for now. I'm going g to get him to chose a new duvet cover. My baby is no longer in his toddler bed.

    Off for a nice bath now.
    Pay off debt by Christmas 2017 #22 - 1012.22/7148.39 14%
    I have already lost touch with a couple of people I used to be. Joan Didion
    • Fortune Smiles
    • By Fortune Smiles 24th Mar 17, 8:54 PM
    • 2,359 Posts
    • 18,972 Thanks
    Fortune Smiles
    Good luck with the job application.

    Fortune x
    Moving Costs: 98% Mortgage: 25% remaining House Deposit Contribution: 60%

    "It is possible to move mountains by carrying small stones."
    • parsniphead
    • By parsniphead 2nd Apr 17, 9:55 AM
    • 1,804 Posts
    • 11,869 Thanks
    parsniphead
    I typed the bit in bold last night and fell asleep before pressing send.

    Thank you fortune smiles. Unfortunately I had a letter this morning saying I hadn't been shortlisted for interview. The last 18 months has been one rejection after another and it's really starting to affect my confidence to be honest.

    Then later DS went into full meltdown in the local town. This was not helped by some stupid idiot of a woman making nasty comments. She got a full on Black Country b0ll0cking (excuse the language). Some people...........mind you I suppose it's so selfish of DS to have a disability, he really should think of others. I am being sarcastic there.

    On a positive note I have 70 towards my 500 baby emergency fund. I'm going for this amount as my salary is very low and its following D@ve R@mseys guidelines. I shouldn't really be excited at 46yo about 70 savings but it just means I have started my journey properly. I'm focussing on this step fully until it's done before moving onto baby step 2. Oh and I also have 50 coming in shortly so that will bump up to 120.I need to focus now on selling some stuff to get the rest needed.


    This bit is from this morning.

    I'm feeling slightly more positive this morning. I have decided once my change of Doctor goes through I'm going to go to see him about my moods. They are getting a little out of control. I'm not sure if it's depression or I'm going through menopause. Whatever I can't go on as I am at the moment.

    I'm being proactive this morning and have rescued three very sad looking leeks from the bottom of the fridge and currently have a pan of leek, potato and chicken soup on the hob. There was loads of chicken left and I'm not prepared to waste anything again.

    I have a load of washing on the line and the last of the washing in the machine. If we have the promised nice day I should be able to get it line dried and put away.

    I would like a little time in the garden to get some bits planted up so I can feed us a little more cheaply this year. I have had some smashing crops in the past and know the soil produces some good stuff.

    Finally I'm feeling pleased that DS struggled to get off last night because it stopped me from heading up the Chinese. I won't go after a certain time as it's by a quite rowdy pub and I don't feel particularly safe there. The bonus is that the lovely 70 is intact in my draw ready to go to the credit union tomorrow.

    Today I will have a nicer day, especially if it's sunny and warmer.

    Have a nice day everyone.
    Pay off debt by Christmas 2017 #22 - 1012.22/7148.39 14%
    I have already lost touch with a couple of people I used to be. Joan Didion
    • in need of direction
    • By in need of direction 2nd Apr 17, 12:14 PM
    • 4,246 Posts
    • 23,709 Thanks
    in need of direction
    Hey you,while the context of your post may not apply, a lot of it could have been written by me. Another difference is that I have just turned 49 so in reality, you have more time than I to turn things around. Like you I woke up a bit more positive this morning and the laundry is now on the line drying. We def can do this. Hang in there and, to quote someone incredibly wise, keep plodding.
    Mortgage at 01.01.14 119,481.83 today 83,478.58, target 75,000 by 31/12/17 Offset fund today 3,415.43 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 3rd Apr 17, 7:13 PM
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    parsniphead
    Thanks INOD. Hurray to line dried laundry . I have such an exciting life.

    I have realised today that I will be finishing work for the academic year on 23rd of June which is a month before DS breaks up. Many, many opportunities there. Not only time alone to do some self employed work but time to do work on my house without the "help" of a six year old. which means I HAVE to get the decluttering sorted out so I can focus on decorating, etc. How much can I do between now and Thursday when I finish for Easter. Then two weeks over Easter to do as much as possible while entertaining DS.

    I may resurrect my old abandoned blog to document what I have been up to. Nobody ever looked but it was interesting to look back on

    I will have a nice house by christmas.......well apart from new windows which need to be saved for.

    Talking of money it's been a NSD .

    Off to fill one bag of clutter/junk at least before bed.

    Night all.
    Pay off debt by Christmas 2017 #22 - 1012.22/7148.39 14%
    I have already lost touch with a couple of people I used to be. Joan Didion
    • parsniphead
    • By parsniphead 4th Apr 17, 10:27 AM
    • 1,804 Posts
    • 11,869 Thanks
    parsniphead
    Woke up to a very spotty child this morning. Arrrgh chickenpox, why couldn't you have waited three days. So an unexpected day off. At this rate I can't see my contract being renewed in September.

    Anyway I plan to use the time wisely when not entertaining the small person. This means decluttering, cleaning, decluttering, cleaning.....and on and on.

    And so to it.
    Pay off debt by Christmas 2017 #22 - 1012.22/7148.39 14%
    I have already lost touch with a couple of people I used to be. Joan Didion
    • parsniphead
    • By parsniphead 4th Apr 17, 1:27 PM
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    • 11,869 Thanks
    parsniphead
    Well i have been decluttering this morning and what a load of carp cluttering up thos house, and i have barely scratched the surface. Some more focus needed this afternoon after i have put away the washing.

    I also need to complete some paperwork for work and update my budget on Everydollar. This month i will stick to it.

    Time to finish lunch then another round of the house with bin bags in hand. The local charity shop and tip are going to do well i think.

    Im going to leave spottys room until i break up though.. That said i may attempt his draws and wardrobe again.
    Pay off debt by Christmas 2017 #22 - 1012.22/7148.39 14%
    I have already lost touch with a couple of people I used to be. Joan Didion
    • parsniphead
    • By parsniphead 5th Apr 17, 7:21 AM
    • 1,804 Posts
    • 11,869 Thanks
    parsniphead
    It felt really calming this morning walking into the kitchen and seeing the bits of clutter gone. Much more relaxing. I can't imagine how it will feel when the whole house is done. I did throw out a few more bits yesterday afternoon which helped but there is so much more to do.

    When it's finally complete I can seriously start thinking about decorating.

    One issue I do have is DS thinks every job belongs to him at the moment so I have to do things sneakily. It sounds silly and it's lovely for him to help but I can't stand around with my hands in my pocket waiting for him to do stuff. He gets upset if I do stuff though, hence the sneaking around.

    Moneywise has been ok. I have had two NSD's now which is unlike me. Plus I have saved 2 parking from yesterday as I wasnt at work and 45p in the tuck shop for sons drink.

    I'm going to try to pop to the credit union today to deposit the money I have been saving in my draw. I don't want it to be frittered away on stupidity. It will be nice to start seeing this account become a baby emergency fund.

    Anyway DS is waking up. Cue the tears because he is missing the school trip to the zoo. Bad chickenpox.
    Pay off debt by Christmas 2017 #22 - 1012.22/7148.39 14%
    I have already lost touch with a couple of people I used to be. Joan Didion
    • parsniphead
    • By parsniphead 7th Apr 17, 5:22 AM
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    parsniphead
    Day one of the easter holidays. I have plans which should make a difference in the house and garden. I need to keep motivated and this must be done. First get dressed and sort the bedroom.

    I think there will be many updates to keep me going.

    Get dressed
    Tidy bedroom and make bed
    Collect any washing and put on first load
    Take Dh to work, come back and carry on.

    No slacking
    Pay off debt by Christmas 2017 #22 - 1012.22/7148.39 14%
    I have already lost touch with a couple of people I used to be. Joan Didion
    • Eager_Elephant
    • By Eager_Elephant 7th Apr 17, 7:16 AM
    • 3,871 Posts
    • 20,098 Thanks
    Eager_Elephant
    Your plans for the Easter holidays sound fab but then I am sad and like tidying and decluttering!!

    I am on the Ninja Saving Turtle thread and this month I am the challenge leader, one of my rules this month is to declutter 1 item a day or more if you want. It's really spurred me on again as I had not got rid of much recently.

    There was a jumble sale in the next village so had a clear out of some kitchen stuff - plates, cups, bowls etc and donated loads so that has freed up space plus actually taken some bags of stuff to charity so gradually things are reducing but the house still feels cluttered.

    I need to tidy the bedroom as well but am on strike as DH has his clothes all over the floor instead of in the linen basket for washing which is a metre away -
    We have the boiler being serviced next week and they check all radiators as well so DH needs to get his butt into gear and get his clothes in the washing basket (if it's not in the basket it doesn't get washed, yesterday he was on his last pair of pants but then I did a wash load and he had actually put a few pairs in so at least he is not going commando!!)

    Hope you manage to get loads done today - remember to keep hydrated while you are busy working.
    Ninja Saving Turtle No. 8 for May
    NSD - 8/16
    (up to 17/5/17)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • parsniphead
    • By parsniphead 7th Apr 17, 7:48 AM
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    • 11,869 Thanks
    parsniphead
    I love the on strike thing Eager Elephant. My DH hangs his clothes on the end of the bed rather than putting anything away. It drives me mad.

    I'm the same with decluttering. No matter how much I get rid of it still looks cluttered. Its so frustrating.

    I rarely see any old fashioned jumble sales around now, actually I don't think I've seen one in years. Its sad really, it reminds me of my childhood.

    I love the NST thread but lurk. I tried it once or twice a long time ago but failed miserably. I'm always in awe of what folks achieve.

    I have stopped decluttering for 10 minutes to eat breakfast and have a cup of tea.
    Pay off debt by Christmas 2017 #22 - 1012.22/7148.39 14%
    I have already lost touch with a couple of people I used to be. Joan Didion
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