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The fence should not need painted for at least the first couple of years KarmcatI 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.5 -
We did our fence last year and haven’t painted it. It was pressure treated. I’m hoping not. That’s a job I don’t fancy.DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)5 -
That's good news then! Thanks for the feedback people, much appreciated - yes, it's obviously really nice wood. I haven't had the words "pressure treated" used to me, but I'll check.
Utterly *freezing* here today! Like the rest of the country, of course. Not a chance I'll be going out there today to do anything, except put the tealeaves taken from teabags onto the soil, and finally put the insulation cap onto the outside tap, oops. It's very sheltered, I hope I'm not too late.
I was doing a fair bit of tidying and getting things back into their place yesterday, it felt very useful. I'm going to be having even more time at home right now because of all the reports about police arresting people who are out in ones and twos, most of whom seem to be my age and in the sort of isolated spots that me and my sister go to. Not going to take that chance.2023: the year I get to buy a car5 -
Hurray, I genuinely did look at 10am as a starting time for financial work, and kept to it. Slight digression, because the fencer's invoice came in, and I wanted to pay it straight away, he was good to me, and my big online payments are blocked because I'm halfway through a pin change, so it took an online chat and 2 phone calls. Hey ho. But I have a ta-da list!
1. Paid the fencer.
2. Did the webuybooks offer, and received money into paypal, my preference.
3. Payments to Principality regular saver not currently automated, though I think I can, but at least I've set up Jan and Feb - that's plenty to get me out of the financial admin hole.
4. Downloaded two sets of paperless automatic statements, the bank and a cc - victory!
5. Just the start - downloading the statements made me tidy up the computer files for the tax declarations. All done now.
So, the Big List had crept up to 119, and I've done 4 today. Well, not today, but done, at any rate. My phone's calculator tells me that that's 3.36%There are plenty of other small jobs on the list, but I might actually get the tax papers down: 2019-20 has got mixed up with the current year, it would be nice to sort that out. Though I'm going to have a cuppa tea right now.
2023: the year I get to buy a car6 -
Ooh, I like the idea of working out what percentage of your list you've ticked off! Well done!6
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Can you end up in a negative percentage? Because that's where I'd probably end up!!!
NST March lion #8; NSD ; MFW9/3/23 Whoop Whoop!!!4 -
Cheery_Daff said:Ooh, I like the idea of working out what percentage of your list you've ticked off! Well done!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 10 MONTHS LEFT OF 20 YEARS (reduced by 15 mths)Psst...I may have started a diary!4
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Very possibly
if I looked at my original list of 109 items, and then compared it to my current list - after the 4 jobs done I've written above, my current list has 115 items
there you go, negative percentage
2023: the year I get to buy a car5 -
rtandon27 said:Cheery_Daff said:Ooh, I like the idea of working out what percentage of your list you've ticked off! Well done!Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here3 -
I love it
Okay:-
115 - 109 = 6
6 / 109 x 100 = 5.5
Negative percentage of 5.5%and given how little of it I've done today, that's entirely appropriate
2023: the year I get to buy a car3
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