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

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  • redofromstart
    redofromstart Posts: 5,891 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Thanks that Parsniphead :)

    I love salad leaves and spinach. Would sinks be deep enough to grow them in?

    Absolutely, one of my polytunnel beds only has about four inches of soil and that has peas, mixed leaves, and radish in this year. I had mixed leaves from £stretcher (about 50p for 1000 seeds) which did all season last year, forgot where I bought them from and got some from Wilkos for £1 this year. I sprinkle some new ones in every few weeks or so.
  • beanielou
    beanielou Posts: 96,087 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Today in sorting out the house I found one of those little slips from a well known chemist. It printed out my weight and body fat.

    In August 2008 my weight was actually half a stone heavier than it is today. I realise that isn't cause for celebration and I have a way to go but the story I tell myself about getting heavier each year is not true at all

    Just saying...

    Thats good then :)
    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.
  • my gardening skills are non existent but could you not do the herbs in one of the old sinks and the veg in the bin
    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.
  • doingitanyway
    doingitanyway Posts: 10,163 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Absolutely, one of my polytunnel beds only has about four inches of soil and that has peas, mixed leaves, and radish in this year. I had mixed leaves from £stretcher (about 50p for 1000 seeds) which did all season last year, forgot where I bought them from and got some from Wilkos for £1 this year. I sprinkle some new ones in every few weeks or so.
    my gardening skills are non existent but could you not do the herbs in one of the old sinks and the veg in the bin
    These are helpful posts. I'll get seeds tomorrow and start to use the sinks and bin :)
    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
  • System
    System Posts: 178,363 Community Admin
    10,000 Posts Photogenic Name Dropper
    Your garden is going to be lovely DIA , you are motoring through all these things , plasterers , gardeners . Excuse the pun motoring along.

    I think if I found my weight from 10 years ago I would be heavier , so well done you.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • doingitanyway
    doingitanyway Posts: 10,163 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Your garden is going to be lovely DIA , you are motoring through all these things , plasterers , gardeners . Excuse the pun motoring along.

    I think if I found my weight from 10 years ago I would be heavier , so well done you.
    Thanks Cumbria. I've stalled on the plastering but will hit that again this coming week.
    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: 10,163 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I bought a book today that I wanted. It cost me £15 and that felt very expensive. :eek: It wasn’t even a hardback. I have library membership but the truth is libraries mean fines and having to go out of my way and my hectic life doesn’t allow for them. I wanted to support a bookshop but it would have been so much cheaper at an online outlet. Also, I don’t like reading on a device as I spend so much of life with a screen.

    Funny I can’t adjust to paying full price for things without feeling a little bit guilty. :o

    On the same theme I got YS items today. Great, but it takes time and energy and where I went folk were snatchy. Maybe I don’t have to do it in the way I once did. Maybe (especially on a beautiful summer’s day) there are better ways of spending a good few hours. Now I have a car, Ald1 and a veg box probably won’t cost much more surely?

    Those who have read my previous diary know I go on and on about this. I know. Starting to bore myself and yet it still isn’t sorted…:(

    I didn’t even get to sort out ordering compost and plants. That will have to wait until tomorrow…

    Going to clean my bay window and my front door and side window when the sun goes down.

    Hoping the sun goes down on a lovely weekend for you all :)
    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
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    funny how a lovely day can sometimes make the ordinary things feel dull and dispririting


    enjoy your book and enjoy it guilt free. Also enjoy your yellow sticker items. we had a haul of those from M&S on Friday 6:30pm - still eating our way through but not at all snatchy in the shoip (although shicked at what the full price was - most were down to 20% list price)
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • lindez
    lindez Posts: 643 Forumite
    Sixth Anniversary 500 Posts
    I am pleased with how today went. :D

    I worked a half day so I had time to eat and did not return home exhausted. ;) That said, I am starving now but I will be sleeping soon and it is too late to eat now.

    I!!!8217;ve been great healthy eating wise :T

    I submitted my second job pay claim. :T

    I saw the plasterer but I did not think he was very communicative and he seemed not to offer much. At least he turned up! It will be helpful to benchmark his prices but I won!!!8217;t be using him. So the search continues. I!!!8217;m giving myself a break from searching for a few days as it has been full on going to be on holiday :)

    There is no urgency on the kitchen. I!!!8217;ve waited this long I can wait until I get the right tradesman.

    The BIG FROG I ate today was to open a second account. I have been banging on and doing nothing about this for at least 3 years.:eek: Orange Ena told me about an account with a host of benefits all of which are useful to me, in particular the annual travel insurance, emergency home cover (includes boiler) and especially now aa breakdown cover.

    In addition I now have a second account for discretionary spending. I think that will help greatly with my long term budgeting. ;)

    My next frog will be to open a regular savings account attached to this account and begin to build an emergency fund ;)

    I may not post for a few days but I will back and so will my car to begin our new journeys together :)

    Have a good few days everyone x
    Hi have just read your posts and am subscribing, what type of account has all the benefits yours sounds great. thank you. You are doing great and such an inspiration to follow some one who has come out of their debt free journey Congratulations x
    MFWB#2
    MFTT5 #28
    Save 12k 2020 #111
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 25 June 2018 at 11:40AM
    I bought a book today that I wanted. It cost me £15 and that felt very expensive. :eek: ...

    Funny I can!!!8217;t adjust to paying full price for things without feeling a little bit guilty. :o ...

    Maybe I don!!!8217;t have to do it in the way I once did. Maybe (especially on a beautiful summer!!!8217;s day) there are better ways of spending a good few hours....

    Those who have read my previous diary know I go on and on about this. I know. Starting to bore myself and yet it still isn!!!8217;t sorted!!!8230;:(


    DIA I am the same - I think it just takes time to adjust to the idea that our priorities can change again now.


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
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