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

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  • doingitanyway
    doingitanyway Posts: 10,127 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 15 February 2019 at 3:18PM
    My car passed the MOT. :j :j

    I spent into next month's money to buy the sat nav but now the total cost of the MOT was the MOT only, so it helps with the overspend.

    There is advisory work so I will need to find a garage to do some rust work but I planned on finding on a good garage anyway but there is no urgency.

    I'm feeling relieved, the sun is shining. All good. :D

    There are dishes everywhere and the house is a massive mess so I will be resting, tackling the dishes mountain and generally unwinding.

    I feel this past few weeks have been leading up to the MOT and now I can breathe out for a year. Thanks for your support everyone. I got there in the end ;)
    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
  • That's great news about passing the MOT, seeing the doctor and all the other things you've achieved recently :T.

    You should treat yourself to a lovely relaxing weekend and then I bet you'll be in just the right frame of mind for some creative work next week :). I know how hard it is to be creative when you feel stressed.
    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: 95,993 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the MOT :j :j :j
    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: 10,127 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    That's great news about passing the MOT, seeing the doctor and all the other things you've achieved recently :T.

    You should treat yourself to a lovely relaxing weekend and then I bet you'll be in just the right frame of mind for some creative work next week :). I know how hard it is to be creative when you feel stressed.
    That is my plan exactly. Thanks HH :)
    beanielou wrote: »
    Great news on the MOT :j :j :j
    Thanks Beanie :)
    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
  • So the cold turned nasty and is probably a chest infection.:( I spent yesterday sleeping and I still slept all night! It seemed to have worked as my temperature has dropped back down again but I still have a headache and I am still sneezing so it isn’t done with.

    I haven’t made much headway with cleaning up but I will today, but I am tired so doing in bursts. ;)

    It has made me realise I should do better in keeping the house clean and tidy as being sick in a dirt, messy house adds an extra layer of misery that is totally unnecessary. :o I also need to stock up on tinned soup. There are people on this forum who have stockpiles for Brexit and I don’t have enough in the house to withstand a few sick days. :o

    The plan today is to get organised, clean, write a shopping list, do a few reclaim phishing letters and get ready for a creative project week

    I hope you are all having a lovely Sunday
    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 take no credit for my ongoing stockpile. I put it down to both parents having lived through World War Two. Yesterday I came home from work to find dh deep cleaning our bedroom as he noticed I’d been a bit sneezy and coughy. I hadn’t made the connection between dust levels and this but it does make sense. Just don’t push yourself too hard to get the house sorted. Take care and wait until you’re feeling on form.
    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.
  • System
    System Posts: 178,361 Community Admin
    10,000 Posts Photogenic Name Dropper
    Hope you are on the mend DIA and that you don't tire yourself out doing all your jobs. Well done on the MOT , and getting the sat nav up and running. Sending good vibes for a creative week .
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • beanielou
    beanielou Posts: 95,993 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Take care.
    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.
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    good luck DIA and I hope you shake off the lurgy ASAP

    I would say that whilst not exactly stockpiling for Brexit we are careful to replace things before needed + have bought a couple of kilos of pasta and some extra rice just to ensure we never forced to buy something if there is a sticky situation. I do believe that there won't be a prolonged problem but I can foresee a small number of friction spots/local difficulties which I would rather avoid. we already have a mountain of tins from poor planning
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Sorry you've been ill DIA :(. Don't over do it today and I hope you feel much better tomorrow.
    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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