We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

The root of the problem

1810121314

Comments

  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    275 days to go

    Feeling a bit calmer today diary. I have also found a bit of motivation to do some cleaning and decluttering.

    I have a little time as I decided to not go to work again until I have seen the doctor on Monday night. It's not like me but it's time I started to look after myself more.

    I have a few jobs I wish to do today but need to pace myself.

    Money is a little tight at the moment and later I want to redo my budget and make sure it's as tight as I can make it. Sometimes I get very tired and frustrated with the constant scrimping and other days I see it as a challenge to enjoy.

    So near yet so far to debt freedom. I want to bring it closer. If only I had some stuff to eBay and the patience to do it.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    Rant alert. I need to get this down so I can read it back and realise what I have done.

    So off upstairs I went to do some throwing out and decided to start under the bed which is stuffed full. There are a pile of old and new sewing mags, ecology mags and gardening mags. They had to go, I don't look at them at all now.

    Magazines have been my lifeline to the real world while on the debt repayment bandwagon. Just a small treat each month, something to keep me sane. Over the years I have got rid of many, I can't keep everything.
    While I was doing it I decided to add up what I had spent on this pile.


    £151.22

    And I have got rid of hundreds over the years. Some small treat eh. I'm so angry and cross at myself. What an idiot.:mad::mad:

    No more.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • Mara_uk7
    Mara_uk7 Posts: 1,219 Forumite
    Seventh Anniversary Debt-free and Proud!
    Knock .. Knock ... excuse me ....

    Lifeline ... treat ... Youre still sane right ?

    That makes it ok to buy magazines, so stop beating yourself up about it ! :)
    Its just a bad day, Not a bad life .. :cool:
  • Skinnylatte
    Skinnylatte Posts: 1,244 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    Rant alert. I need to get this down so I can read it back and realise what I have done.

    So off upstairs I went to do some throwing out and decided to start under the bed which is stuffed full. There are a pile of old and new sewing mags, ecology mags and gardening mags. They had to go, I don't look at them at all now.

    Magazines have been my lifeline to the real world while on the debt repayment bandwagon. Just a small treat each month, something to keep me sane. Over the years I have got rid of many, I can't keep everything.
    While I was doing it I decided to add up what I had spent on this pile.


    £151.22

    And I have got rid of hundreds over the years. Some small treat eh. I'm so angry and cross at myself. What an idiot.:mad::mad:

    No more.

    Hey I worked out I spent the best part of £3000 on my hair over 4 years, what a dope lol
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • Hi maybe put mags on ebay to recoup some funds? x
  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    Thanks for the replies all. I generally tend to waffle to myself.
    Mara_uk7 wrote: »
    Knock .. Knock ... excuse me ....

    Lifeline ... treat ... Youre still sane right ?

    That makes it ok to buy magazines, so stop beating yourself up about it ! :)

    I agree as it's only once a month now. I think I was so upset as I used to have a bit of an addiction and would by loads each month. I don't know why, perhaps I thought they would help me become slimmer, more attractive or inspire me to sort my house. One thing I do now is that I'm glad I don't know the figure spent in all.:eek:
    Hey I worked out I spent the best part of £3000 on my hair over 4 years, what a dope lol

    Yes but at least you're well groomed. I have had my hair cut professionally twice in 8 years, once the week before my wedding. I tend to do it myself. I will leave you to imagine........I'm not well groomed.
    Hi maybe put mags on ebay to recoup some funds? x
    I tried this and got no responses. I gave some of the ecology ones to a colleague who would enjoy them so not just thrown or recycled.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • chevalier
    chevalier Posts: 7,937 Forumite
    Part of the Furniture Combo Breaker
    hi parsnip,
    well done on getting so close to your goal. YOu are not the first person, to ease up in sight of the line, so don't beat yourself up over it.

    Ref your glasses, are they covered on your house contents insurance?

    Hope your drs appt goes ok
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    Thanks for the reply chevalier.

    I never give the house insurance a thought when it comes to things like this. :o

    Just want to get doctors over and done with but trying to keep positive. I'm not used having so little energy. I'd be very bored as a couch potato.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • Skinnylatte
    Skinnylatte Posts: 1,244 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    Good luck Monday. What an amazing job you've done clearing your debts so far :beer:
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    Thank you.

    I couldn't have done it without the help from this site and the people who post. I love to read about people becoming debt free, it's so inspirational.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.