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20/20 Vision (repaying a debt to my home and myself)
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doingitanyway
Posts: 9,955 Forumite
I am debt free but I have neglected myself and my home for years. My home and I have held up well after years of neglect, but we are both shabby and need of care and attention. I need to move on. This house needs a little family to love it. So I am giving myself 20 months for us both to be camera ready, so we can rise from the ashes of debt like phoenixes in 2020.
So over the next 20 months I will do a minimum of:
--20 Major home improvements
--20 Minor home improvements
--20 kilos
--20 drab to fab changes
--20 health improvements
--20 giant frogs to eat
--20 normal sized frogs to eat
I will set a monthly goal in each category and [STRIKE]moan[/STRIKE], [STRIKE]whinge[/STRIKE] report on it throughout the month until it is done
For APRIL it looks like this:
—Fix the roof
—Find window film for living room, put it up, clean the window and get curtains taken up
—Lose 2 kilos
—Wear tinted lip balm and perfume everyday in April.
—Walk 3 miles at least once a week
—Get insurances in place. This is A GIANT FROG outstanding for over a decade
—Get glasses. This is a normal sized frog outstanding for 3 years.
So, here I go…:)
So over the next 20 months I will do a minimum of:
--20 Major home improvements
--20 Minor home improvements
--20 kilos
--20 drab to fab changes
--20 health improvements
--20 giant frogs to eat
--20 normal sized frogs to eat
I will set a monthly goal in each category and [STRIKE]moan[/STRIKE], [STRIKE]whinge[/STRIKE] report on it throughout the month until it is done
For APRIL it looks like this:
—Fix the roof
—Find window film for living room, put it up, clean the window and get curtains taken up
—Lose 2 kilos
—Wear tinted lip balm and perfume everyday in April.
—Walk 3 miles at least once a week
—Get insurances in place. This is A GIANT FROG outstanding for over a decade
—Get glasses. This is a normal sized frog outstanding for 3 years.
So, here I go…:)
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/072025
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/072025
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Comments
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Hi DIA, happy new diary and obviously I will be cheering you on, whether you like it or not
Don't forget cashback sites when you sort those insurances. Some of the biggest amounts are from insurance.
Are you setting yourself monthly budgets for each of the focus areas?My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo0 -
Happy new diary. To new beginnings. xxx2017- 5 credit cards plus loan
Overdraft And 1 credit card paid off.
2018 plans - reduce debt0 -
Happy New Diary D.I.A.
BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
R.I.P. T.P.0 -
Happy shiny new diary DIA.
Re your drab to fab goals, you might be interested in this... there are some great online and free resources especially if you join the FB group.
Rosa xxDebt free May 2016... DFW#2 in progress
Campervan paid off summer '21... MFW progress tbc0 -
Good luck with it all "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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All sounding good especially the roofer. Can't wait to see the progress.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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DIA , I have found you , great to see a new diary for a new phase in your life.
Let's get the roof done , then you can concentrate on your list.
Hope you have enjoyed the Easter break.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
Thanks Rosa, a lovely resource. Unfortunately or fortunately I've never done FB but there is enough on there anywayRosaBernicia wrote: »Happy shiny new diary DIA.
Re your drab to fab goals, you might be interested in this... there are some great online and free resources especially if you join the FB group.
Rosa
Thank youGood luck with it all
Thanks INOD. Really hoping the roofer works out and despite nerves i am starting to look forward to the progress tooin_need_of_direction wrote: »All sounding good especially the roofer. Can't wait to see the progress. If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Happy shiny new diary.
20 major house things is a LOT.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 -
Fab new diary, good luck xxxxVirtual Sealed Pot No.070
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