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

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  • I was sent a free calendar from the company that delivers my veggies. It is lovely. I am going to use this as a visual reminder of renewal dates as NOT doing this is costing me money

    FROG
    Called the broadband provider for a better deal.
    I got my bill reduced by £11 a month. :T On the downside this should have been done months ago so in another way my procrastination has cost me £11 a month for months and months…:o

    FROG
    I texted a plumber to get a quote

    FROG
    Driving fine paid ;)
    I had thought the charge increased after 28 days. In fact it is 14 days so just as well I did it today

    FROG
    Checked and diarised MOT date for car. (I need to find money for this in the new year :()
    Checked and diarised car tax and insurance date

    It is so nice being in my organised and clean dining/living room that I am cleaning my bedroom today to the same standard.

    The kitchen is a mess so that will get my attention too.

    I’m out with friend’s this evening. Should be nice :)

    Wishing you all a lovely day.

    Cold here, but the sun is out :)
    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
  • A great idea to get all the renewal dates on the calendar. Well done on eating so many frogs (a positive banquet of frogs :rotfl:).

    Enjoy your night out :).
    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
  • beanielou
    beanielou Posts: 96,073 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Lots of frogs bite the dust today :j :j
    Have a happy night.
    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.
  • Bom, bom bom... oh sorry, frog banquet :D

    Check out the MSE motoring stuff re MOTs. I took my car to the council place a couple of times and I wouldn't have known about that option but for :money: :A .


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • A great idea to get all the renewal dates on the calendar. Well done on eating so many frogs (a positive banquet of frogs :rotfl:).

    Enjoy your night out :).
    beanielou wrote: »
    Lots of frogs bite the dust today :j :j
    Have a happy night.
    Thank you :)
    Bom, bom bom... oh sorry, frog banquet :D
    Check out the MSE motoring stuff re MOTs. I took my car to the council place a couple of times and I wouldn't have known about that option but for :money: :A .
    Rosa xx
    Thanks Rosa. I've been worried about a garage to do my MOT so I will check that out :)
    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
  • I now have the Frog Chorus stuck in my head, thanks Rosa :p

    Hope you had a lovely evening out DIA
  • doingitanyway
    doingitanyway Posts: 10,160 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I now have the Frog Chorus stuck in my head, thanks Rosa :p
    Hope you had a lovely evening out DIA
    Thanks Redo I did :)
    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: 10,160 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Last night was nice.:) I did not drink much. I had a white wine spritzer and a few lime and sodas. We ate pizza. The gluten free wasn’t a great dough but it was good to feel part of the gang rather than the ‘I can’t eat that’ brigade.

    I attempted my 4 mile walk but I was out for too long and by the time I was ready for the return trip I was exhausted and hungry so I caught a bus. :o So only a 2 mile walk today.

    I’ve been going on about walking boots for months but today I finally bought some. They were from Clark3s and reduced to half price. They are super comfy and will make walking a doddle :)

    I withdrew £100 and I am keeping a log of where this money is spent.

    I bought some eggs, a tin of beans, blueberries and a bottle of vinegar.

    I had a coffee out and 1 chocolate.

    The plumber I contacted yesterday called and will visit me tomorrow evening.:T

    The rest of the day I am concentrating on my home: the bedroom and kitchen I planned to clean yesterday but didn’t. There is an actual dustball in my bedroom as fat and grey as a mouse.:eek:

    I hope everyone is okay in the run up to Christmas :)
    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
  • Good news about the walking boots, especially for half price :). A two mile walk is much better than no walk at all.

    Glad you enjoyed your night out.
    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
  • doingitanyway
    doingitanyway Posts: 10,160 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 20 December 2018 at 8:29PM
    Some people post advice and the advice saves me money, or time or heartache.

    Some people post encouragement and just when I thought I might give up, I don’t.

    Some people post their own experience and I feel less alone in mine.

    Some people post their humour and instead of crying I laugh.

    Some people post words of wisdom and I learn.

    Some people post a hug and I am comforted.

    As Christmas draws closer, I want to thank Some People and wish you all a happy Christmas XX
    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
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