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The Matrix - Re-Evolution!!

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  • Memory_Girl
    Memory_Girl Posts: 4,957 Forumite
    Yesterdays challenge:

    If like me you enjoy your "property !!!!!!" - you've probably gazed wistfully at beautifully decorated, minimalist rooms in delicate shades of white.

    Then, a bit like me, you file the image away in the part of your brain that thinks "not in this lifetime" and head home to a home that is more "shabby than chic" and decorated in hues more suitable for boisterous boys, toys and cat hair rather than a Zen paradise.

    But in my heart of hearts I know that I would prefer an environment less cluttered, less full of "stuff", a more beautiful, clean reflective space.

    One of the processes introduced to me by a friend from the USA - the Chinese Feng-shui Grand-pappy!! has really helped me this summer to cut through the clutter that becomes invisible in my environment by encouraging me to "audit" the possessions I have one room at a time.

    I mean, we know this stuff don't we - we know that "we need a place for everything and everything in its place" and that we should "put away what we are working on before we take out the next project" - but at some time between nursery school and now we have lost the knack.

    So today's exercise is a thinking and planning one. I would like you take a a stroll around your home and look - really look at the storage places you have already. Check out the cupboards, the boxes, the nooks the crannies, the shelves the hooks.

    Now, just like nursery school I'd like you to allocate one type of item to each area. Some are easy - underwear in underwear drawer (and you can always find it there). Books on the bookshelves???? Too many???? - make a choice, are you going to buy more bookshelves or will you release some of the old books to make space for the new.

    What about -

    - out of season clothes
    - winter boots and coats
    - your present box
    - your crafting stuff
    - your recipe books
    - your first aid kit
    - your important papers


    If YOU know where each of these items are going to live you can start the process of slowly moving each item into its right place and then rationalising the amount you have to elegantly fit .......... but that's the advanced course

    Today we grab some paper and make a plan.
    FINALLY AND OFFICIALLY DEBT FREE
    Small Emergency Fund £500 / £500
    Pay off all Debts £10,000 / £10,000
    Grown Up Emergency Fund £6000 / £6000 :j
    Pension Provision £6688/£2376
  • tellmeitsfriday
    tellmeitsfriday Posts: 2,331 Forumite
    Part of the Furniture Combo Breaker
    edited 10 August 2011 at 9:47AM
    Interesting - all the interest rate predictions I look at have have changed today! They now suggest that the basic rate of [STRIKE]inflation [/STRIKE] interest rates will remain under 1% until the end of the 3rd quarter of 2014. They were previously suggesting Summer 2013. (Currently 0.5%)

    Better stay on SVR then eh :)
  • greenbee
    greenbee Posts: 17,837 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Post-bathroom cleanup starts today... The bins were emptied this morning, so I should at least be able to get rid of all the cardboard and newspaper I've had on the floors!

    I've got the dishwasher on a cleaning cycle and need to get the place back into some semblance of order... It has deteriorated since my mother left!

    Thaks for the update on interest rate predictions TMIF. It feels like I've been on SVR forever now, but it's helping me with the overpayments :D
  • Firewalker
    Firewalker Posts: 2,682 Forumite
    Thanks, TMIF - this was to be expected. The predictions for the economy were far too optimistic, partly or wholly political matter, of course. Inflation is high but it doesn't have to affect individuals (this is because of the way in which it is calculated). Also, the job cuts and high unemployment have not even started to kick in yet. Interesting times, I say.

    Firewalker
  • I wonder how much mortgage I can overpay before it goes up.... Ooooo a challenge. I like it :D
  • Memory_Girl
    Memory_Girl Posts: 4,957 Forumite
    Well I for one am not playing !!!!!!!!!!!!!!!!!!!

    I'm going to look at this bleeding recession as an opportunity instead - low interest rates = time to really hammer the mortgage down.

    Me and the Matrixettes are NOT going to be rats that go down on a sinking ship - this is OUR TIME to prove the powers that be that we can't be depressed, recessed or oppressed. We can find our sweet way to a happier life.

    MG
    FINALLY AND OFFICIALLY DEBT FREE
    Small Emergency Fund £500 / £500
    Pay off all Debts £10,000 / £10,000
    Grown Up Emergency Fund £6000 / £6000 :j
    Pension Provision £6688/£2376
  • I wonder how much mortgage I can overpay before it goes up.... Ooooo a challenge. I like it :D

    Ooo I like it too!! Would definitely be up for that :D
  • greenbee
    greenbee Posts: 17,837 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I wonder how much mortgage I can overpay before it goes up.... Ooooo a challenge. I like it :D

    That's what I've been doing.... I have made substantial inroads into mine since I came off fixed rate. I had worked out what I could afford to overpay each month and stuck it on DD...

    Gardener has been over and had a look at how the bathroom people left the patio... Now need to think how to phrase the email saying I'm still not happy...:(
  • I do pay extra - I am just thinking if it is worth pushing another £50 or £100 for a bit to reduce it more...

    I wonder, is it time for ritual abuse of SOAs? It's hard to see waste on your own isn't it.....


    Also though, I don't want it to hurt... and that might be my problem!
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