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The march to financial freedom
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Ali I have varifocals and I love them. Would really love to wear varifocal lenses but I just can't manage to get them in and out of my eyes unfortunately5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
Currently CC £23,674.36 /£14,895.41/£14315.42
Mortgage £28,214.65/ £26,254.71/ £25,746.43
By end 2020 I want CC at £ 19,000.00.
By end 2021 I want CC at £10,000.000 -
I have varifocal lenses and they are a compromise - they adjust my long vision so it's good enough to drive but I struggle to read in them. They are great for nights out though. I did think about reading glasses to go on top, but haven't bothered yet - seems a hassle.
DH bought varifocals last month and he loves them. So I'm considering the same, especially as I tend to look under my glasses to read stuff or I'm forever lifting the up and down and getting them caught in my hair. Sadly I've lost them at the moment. Had them at home Monday night, Tuesday morning they were gone :eek:OSWL (start 13st) by 30Jun20 6/10
£1/day Xmas'20-62 £214/£366 saved
Grocery Challenge Jun £742/£320 spentHomeowner wannabe by July 2020 - WooHoo!!
Starter Emergency Fund £1000/£1000 saved0 -
Oh gawd, put my foot it in there on varifocals and age. Soowwwrrryy
:o
I really really want to stick with wearing contact lenses - love them and been wearing them for 30 years :eek: but you can't get a prism in them, so key critical to deciding next move was trying the prism in these glasses.
So this morning it's been glasses all the way - tip run down, eyebrows threaded (£4 spent), cakes made and in the oven, work emails done....of course, using the laptop is a problem as they're not for close work. For driving, I can see faarrrr into the distance very well but still feel I'm on the sea :rotfl:
(I've just put my contacts back in and my reading glasses on - much better).
I think like you SS, I'm at the stage where nothing is perfect and it's finding the best combination to get by on - varifocal contacts sound like the way to go, if only whatever the eye problem is could be solved...it could be I need the prism later in the day when eyes get tired as that's when the problem starts. Will swap back later and see if that works.
Time to start on housework, so much to do and it's spotting with rain already - there goes the clean floors I plannedBack on the DFW Wagon:
CC - £3,300 on 0% til 04/2020
CC - £4,500 on 0% til 02/2019
Loan - £12,063.84 as at 4/1/180 -
I love my varifocals.
I have never had lenses, squint & ops on eye mean it is a big no no.
I worry about driving in a few years as eyes get worse but it is what it is.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
I worry about being able to pluck my eyebrows or de fuzz my under arms :rotfl: still I guess beautician appointment cheaper than a chauffeur :rotfl: part of the reason I'd like to live near town when I'm older.OSWL (start 13st) by 30Jun20 6/10
£1/day Xmas'20-62 £214/£366 saved
Grocery Challenge Jun £742/£320 spentHomeowner wannabe by July 2020 - WooHoo!!
Starter Emergency Fund £1000/£1000 saved0 -
You're brave with plucking
I take a painkiller before the threading and it still hurts :rotfl: What us ladies put ourselves through!
We're lucky with location living on the border of town and rural so get the best of both worlds and it's all walkable within a few minutes. Failing that, a scooter to get up the hill might be required, don't think an eye test is needed for that judging by some locally :rotfl:
Family been and gone, cakes devoured, dishwasher loaded. Housework downstairs all got done, so a busy and productive day all in all.
Financials:
- bank account checked
- freepostcodelottery checked
- Inbox Pounds - up at £18.59
- Qmee still 28p
- A prelim P!necone survey...hopefully the precursor to another full £3 one
Work days tomorrow and Friday and should be steady ones. That's the plan anyway
Been number crunching the mortgage spreadsheet and would like to get a capital payment of £1005 end of August for September. Budget might creak a bit though should hit the £20 payout for IP, plus the £20 of free money already in.Back on the DFW Wagon:
CC - £3,300 on 0% til 04/2020
CC - £4,500 on 0% til 02/2019
Loan - £12,063.84 as at 4/1/180 -
Hi Ali,
I have had varifocals for a couple of years now. I am sure you will settle in with them but I have to say that even though I have got as used to them as I think I can, I still have the odd feeling of 'disorientation' now and then and think this is just the nature of the beast. I still think they are a great invention as I had begun to really struggle with single vision specs!
My own occasional disorientation may also be down to my retinal scar. :eek: I was under the specialist for a couple of years and finally signed off when it was deemed to be just one of those things caused by a passing infection of some type. I previously had to go to A&E when after playing with a relative's dog my eyes swelled up and for a short period I was almost blind :eek:. It is thought that's how it happened - I have kept away from the doggie since then :rotfl: !!
Broggers x0 -
That sounds :eek: Broggers - I've had one serious dog-related accident which resulted in right side of my head hitting a wall hard which burst blood vessels in my left eye...cue a swollen, black and bloodshot eye for a week :eek: and left with a slightly droopy lid forever more.
I'm onboard with the varifocals and can get contact lenses in those. Glasses still strange, cheap way to feel drunk without a drop of alcohol :rotfl:. Not sure when I need to go back to the opticians, he mentioned 3 months but will see how things are towards the end of my long break.
Another work day done and one to go before the weekend, more stuff brought back home too. Still to do the weekly food shop, so dinner was cobbled together from LOs in the fridge and freezer.
And a NSD :j
Financials:
- bank account checked - £100 to DS's 6% Reg Saver gone out - only 4 months left of that, how quick the year is flying by
- freepostcodelottery checked
- Inbox Pounds up at £18.65
- Qmee yielded another 6p, pot up at 34p
That's all the news today, going to empty my purse and top up the change bucket and see what's nearing a bankable amount.Back on the DFW Wagon:
CC - £3,300 on 0% til 04/2020
CC - £4,500 on 0% til 02/2019
Loan - £12,063.84 as at 4/1/180 -
Evening Diary
After much thought, I've decided to start a new diary on the MFW board to chart my journey to mortgage freedom.
DFW has been, and remains, invaluable as it's set in stone the good habits I'm keeping to get rid of the one thing I've had for almost 29 years. I might get some 'carefree' days once it's gone :rotfl:
I'll still be over here reading and following though if you'll let me
The new chapter is called 'Had a mortgage too long, so it's going, going, gone!' or similar :rotfl: Can't quite rememberBack on the DFW Wagon:
CC - £3,300 on 0% til 04/2020
CC - £4,500 on 0% til 02/2019
Loan - £12,063.84 as at 4/1/180 -
I am totally with you on the eyebrows, I think mine have taken root in the back of my head it's sooo painful.
Did your viewing happen and are you going to post us a link to your new diary?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 27/03/20150
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