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20/20 Vision (repaying a debt to my home and myself)

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  • doingitanyway
    doingitanyway Posts: 10,169 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Homegrown0 wrote: »
    Great news on the window saving DIA! It just goes to show how things can work out when you take your time and politely hold out for what you're looking for.

    FRIDAY?? Did you say FRIDAY!? I can't believe it's come around so quickly. I may have missed this since I've been away a fair bit lately, but is this a 3 month sabbatical with you considering not going back at the end of it, depending on what happens? My brain isn't working.

    Long may those pesky squirrels leave you alone to get a sleep in peace.
    Thanks Homegrown.
    Now I have got my head around getting the window and the price is doable I am looking forward to the work (a first for me) You are right about the politely bit. I was really nice to the salesman and upfront about having a budget and needing for the price point to come down 'was there anything we could do?' Very pleased with the final result :)
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • doingitanyway
    doingitanyway Posts: 10,169 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    That's a great discount you negotiated on the window, well done :T.

    You're doing well on the healthy eating too :).
    Thanks HH I think my eating will get even better when I stop work :)
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • doingitanyway
    doingitanyway Posts: 10,169 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 6 December 2018 at 6:55PM
    I am feeling stressed today. :o So much so my tummy is upset. So I’m doing an angst and action list. I haven’t walked anywhere for 2 days so I need to get some fresh air and get my blood pumping. Always helps when I feel this way :)

    Angst
    Worried I am overdrawn
    Action
    [STRIKE]Take a walk after work and check balance[/STRIKE]
    Done. I am not overdrawn

    Angst
    The windows, as this will be the most money I have spent on a home renovation in a long time and large sums of money are scary to me in case I get it wrong.
    Action
    [STRIKE]Emailled the company to ask questions and make sure all my queries are resolved before I sign and pay the deposit[/STRIKE] Done

    Angst
    Finishing work and getting all I need to get done before I leave
    Action
    [STRIKE]Making a list of all outstanding actions/Noting passwords and logins. Agreed a back to work plan and a few days acclimatising on my return[/STRIKE] Done

    Angst
    A sick relative I have not made time to see in the past 2 weeks
    Action
    Phone him to hear his voice and visit next week when I am off work NO ACTION YET

    Angst
    The house is again totally disorganised, cluttered and there are many unwashed dishes
    Action
    [STRIKE]Do dishes[/STRIKE] Done

    Angst
    My patio doors are within warranty and the opening/closing bracket needs fixing. It makes sense to ask for this to be remedied BEFORE I get the new window as it is the same firm and they have an interest in keeping me happy but I can’t face the paperwork and asking
    Action
    [STRIKE]Do in stages. First find the papers and check everything is within warranty[/STRIKE]
    Done and called the company too. They agreed to fix when windows go in. Part being ordered
    Have a good day everyone and if you have an angst thinking of an action might help :)
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • beanielou
    beanielou Posts: 96,111 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great idea to have the angst's & actions :)
    Two & bit days to go :)
    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.
  • doingitanyway
    doingitanyway Posts: 10,169 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    beanielou wrote: »
    Great idea to have the angst's & actions :)
    Two & bit days to go :)
    Thanks beanie. It is so close now :j:j

    Claiming another NSD as I am too lazy and cold to go out in the rain.

    I am going to have sardines and lentils and a tin of soup for my supper as nothing else in.
    Apples will have to be the treat as I have nothing else sweet in.

    On another point I am stopping eating nuts. I am averaging a bag a day and it is way too many. I will be buying seeds and ground almonds instead of whole nuts until the NY to see if that helps my weight loss.

    Stay warm everyone :)
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Your Angst and Action idea is a great coping strategy :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • Homegrown0
    Homegrown0 Posts: 1,280 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Nuts aren't only bad for the waist lone in greater quantities but also the wallet - they're so expensive these days!

    I make a lovely veg stir fry which is kind on the wallet owing to the lack of meat but it just isn't the same without roasting some cashews then crushing them through the stir fry. The pack of nuts alone probably costs the same as all the veg and noodles together!
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
  • doingitanyway
    doingitanyway Posts: 10,169 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Homegrown0 wrote: »
    Nuts aren't only bad for the waist lone in greater quantities but also the wallet - they're so expensive these days!

    I make a lovely veg stir fry which is kind on the wallet owing to the lack of meat but it just isn't the same without roasting some cashews then crushing them through the stir fry. The pack of nuts alone probably costs the same as all the veg and noodles together!
    Too true nuts are pricey but if purchased as protein as part of a meal they are not. I have bought nuts again but this time I also bought apples and the plan is to snack on apples and use nuts as part of a meal. I love toasted cashews in a stir fry. I also mint and coriander leaves and add a fried egg on top. Yum.
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • doingitanyway
    doingitanyway Posts: 10,169 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Today the only thing left on my angst and action list is to contact/visit my relative.

    There is a new problem as there is a slow leak somewhere in my kitchen. I'm going to have to address this. I've spent every penny on the window so god knows where that money to fix it will come from.

    I heard squirrels again (sigh)

    I am still feeling angsty. I think it is because I stop work tomorrow and that is good, very good, but also scary.

    I'm feeling shabby again. It is such a quick slide to shabby and living in a tip.

    The plan is to get through tomorrow and then start a new plan: menu, financial, cleaning, decluttering, driving to the recycling centre, washing.

    How do people manage all this stuff???

    On another unconnected note my neighbour has cancer. She chose not to speak to me because I criticised her dog for pooing on my doorstep. Three years later, her husband told me she is dying. I need to pluck up the courage to knock, ask how she is and deliver a card and some flowers. She's a difficult woman but I will regret it if I don't try and make the peace.

    I hope you are all having good enough days and if not hugs and there is always tomorrow.
    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 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • You're feeling unsettled because you're about to spend a lot of money on the window and your sabbatical is approaching. You can save more money and the sabbatical is temporary, so you'll be fine, you just need to get used to these changes :).

    I had an elderly neighbour once who was rude and unpleasant to us. When I found out she had terminal cancer I took some flowers around and her son was very pleased. It felt like the right thing to do.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
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