Prosperous soul in the making

doingitanyway

Hope you get the cheque.

Your vibe paying off the debt is reminding me how exhilarating debt repayment can be. So empowering.

Stay cool today

savingholmes

DancingInTheRain wrote: »

Just catching up after being AWOL for a few days, what fantastic news on the PPI payouts, I’m over the moon for you. What an amazing month you’re having, I’ve been thinking the Dave Ramsey baby steps could be a good method of debt pay down for me and DH too, off too do some research...
Have a great day, hope the postie brings you a lovely cheque x

No cheque yet. Thanks for the good wishes though. On the DR front - I don't follow him 100% as he suggests pausing penison to pay off CC debt - given than my pension is a career average scheme and all my CC debt is 0% and my mortgage only 1.7% I think that is a daft plan. However, overall he has helped me get a long term financial vision for my life - before I used to wonder how I would pay off my interest only mortgage in 12 years time - now I have a plan and will do it in 9 years while also increasing my investments to 15%. I only plan to do the increase after step 3.

savingholmes

doingitanyway wrote: »

Hope you get the cheque.

Your vibe paying off the debt is reminding me how exhilarating debt repayment can be. So empowering.

Stay cool today

Thanks Doingitanyway
It's been sweltering here. Did get to sit in the sun or about an hour today so that was something.

Glad that you agree getting debt free is empowering. I am even influencing other people at work to reclaim ppi and pay off their CC and mortgages more quickly. Even suggested that we consider putting something on at work to help more people get out of debt.

At least I know the cheque is coming. The first cheque should clear Wed/Thu and the second by Thu/Fri next week if it arrives tomorrow. I am so looking forward to paying off my car - and letting go of the guilt for purchasing it when we were already so in debt.

I have also been kicking myself for a couple of years for buying the table on interest free credit for 4 years when it was only £400 with the chairs. If we'd had our act together we could have cleared that in a month instead of 2 years in. For context it was the first time I had bought brand new dining chairs - and only the second time I had bought a brand new table (despite being married over 2 decades):rotfl: Our table and chairs before this were hand-me downs from my BIL.

Chris Hogan says the best holidays don't follow you home... At least this year I paid off the money (CC) for our holiday within 2 weeks of coming home. Next year I plan to pay it off upfront as cash.:money: We can only go on from where we are...

StripeyTightsSpottySocks

Hi savingholmes

Firstly, wow - that is such great news on your PPI :T :T

I'm only popping in to say i've subscribed to your thread and gosh we sound so very similar! - i have felt guilty about debt / not felt like i've had a plan in the past / want to move to somewhere greener to have more land to grow our own produce & get some chickens too oh & i love second hand and i also have clutter :rotfl:

i also love the sound of your glass jars and may ask for advice / suggestions if thats ok? I bought some gorgeous glass jars to paint as gifts - i intended to paint all over a base colour and then a specific picture on the front - i was reading up on the paint to use but different pages seemed to say different things so i was somewhat confused and have not progressed with this especially when i know i'd get so much pleasure out of it. i do want the paint to last and not wash off.
Off to declutter some things :T

savingholmes

My cheque still hasn't come. Good job I mentally spent it on debt and not something more urgent!

StripeyTightsSpottySocks wrote: »

gosh we sound so very similar! - i have felt guilty about debt / not felt like i've had a plan in the past / want to move to somewhere greener to have more land to grow our own produce & get some chickens too oh & i love second hand and i also have clutter :rotfl:

Hi Stripey - thanks for joining me. Guilt and shame can weigh you down - but tackling the debt and potentially the root causes - definitely help with obliterating them .

Hope you get your rural dream too and simplify your life by eliminating clutter. I've been watching some ted talks on clutter banishing this week - they say clutter represents delayed decisions so as you banish it you have more time to be your authentic you. I like that.

StripeyTightsSpottySocks wrote: »

i also love the sound of your glass jars and may ask for advice / suggestions if thats ok? I bought some gorgeous glass jars to paint as gifts - i intended to paint all over a base colour and then a specific picture on the front - i was reading up on the paint to use but different pages seemed to say different things so i was somewhat confused and have not progressed with this especially when I know i'd get so much pleasure out of it. I do want the paint to last and not wash off.
Off to declutter some things :T

Unless you are a very skilled artist - I would practice on glass from wine bottles, glass fizzy drink bottles etc and even jam jars. I started with Am0s peel@ble glass paints so I could trace an image and then stick it on. That at least allows you to start without worrying about perfectionism. I moved on to adding glitter to that and all sorts while it dried. I have oven baked them at about 160 degrees fan oven for say half an hour to help them set (not in their instructions) and that has given them a longer life but not perfect. Sometimes though if you used too much paint it can make it run.... so its risk. You can also spray it with a glaze. It still wouldn't be recommended to dish wash but if it happened accidentally it may survive.

Extremes of temperature aren't good - my painting cracked off between dishwasher and fridge after I gave some to my parents

Sometimes I follow a stained glass type structure. I have traced over child like drawings but after a bit you can mix some of the colour together slightly and get a water painting type effect but slightly more 3 D. Robins for example come out well in this method.

I then started using Pebe0 - these can be baked at about 160 but in general are harder to use. You can buy fair fine tip paint brushes which I strongly recommend. Generally I have found it is a waste of paint to cover the whole jar - and just paint a scene. Again I have cooked these - and then sometimes sprayed with glaze on top - be careful of the glaze though as sometimes it sprays too much and can ruin it which is why I don't always bother

Hope that helps. On buying pretty jars - it would be more mse to use those that arrive in our house daily. I've also collected pretty bottles from others. Blue sherry bottles can look amazing for night time scenes. You can get bottle lights cheaply on Am@z0n

Here ends the tutorial,. :rotfl: Have fun.

savingholmes

The first cheque is showing in my available balance - so just paid another £1K off CC5 (my car). Bringing it down to £6.5K.

jwil

Great news

debtfreeoneday

Well done on taking hold of your debt and kicking its backside. A good few years ago, we did the same with around £64k - there were times I felt like you have, thinking I would never clear it, having minor slip ups and increasing the debt, but you WILL get there. Awesome news on the PPI payouts, like you - we claimed thinking we would get nothing and got just over £4k. We are now on the mortgage clearance wagon but I'll subscribe to follow you as you will have this gone in no time!

savingholmes

:AThanks for the encouragement jwil and debtfreeoneday and to all the lurkers out there - thanks for taking the time to read - hope it helps you. It will be great to get past the CC debt and properly onto the mortgage but even small OP's help. I just can't believe that mid August I will be driving a debt-free car and can potentially add it to my (albeit depreciating) assets column. I don't think we have any other ppi out there - but I'm going to give it another go - and if all else fails may as the deadline approaches do a catch all via one of those companies out there...

The other thing we need to get organised on is trying to get DD on a scooter course asap. 6th form is approaching fast. We got sent book & other £ requests for about £120-140 :rotfl: from the school yesterday.

Also DS will be home towards the end of August - would be great to do some more decluttering first eg remove all the ready to paint glass bottles and jars I am storing in his wardrobe and put them in my study or even bin / donate some. We got a dog this time last year and because some of the paints are poisonous we stored them all upstairs but all that's meant is that I haven't done any painting which is a shame (well I did 2 or 3 but that's all).

Last year we got the boiler done and no longer have a hot water tank cluttering up our airing cupboard - considering putting one of our many spare 1kea bookcases in it - one of those with the square slots... This would add structure and make things much easier to find. There will still be room for storage overflow to the side lol. Tempted to paint behind it too - as I think from memory some previous residents may have painted it a really disgusting shade of green. I normally like green but not this one lol...

It never ends does it? I already have quite a bit of paint in my house ready for use... Seems to be a theme :cool:

doingitanyway

savingholmes wrote: »

:A

It never ends does it? I already have quite a bit of paint in my house ready for use... Seems to be a theme :cool:

You sound so motivated it is a pleasure to drop in

This last sentence spoke to me and I am going to go through all my paint and plan their use or throw them out. Thanks for that.

Have a good weekend