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

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  • doingitanyway
    doingitanyway Posts: 10,163 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    DIA, not meaning to nag but concerned you mention not having the car taxed - it has all changed recently and the dealer wouldn't let me leave with the van until I had done it online, you can't do it in someone else's name any more. Please check up on it.
    Rosa xx
    Thanks Rosa. It's good to know people on here care enough to post this kind of comment :)
    I checked the rules before buying the car and all is fine. We had temporary arrangements so I could get the car back and have a few days driving too :) The car is currently off road until I can do the sorting out of care related paraphernalia. This will change this week when we will be back on the road.
    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!
    Yesterday I had 3 goals and I scored a zero. :(

    I was tired so spent all day dozing, not even doing the washing up. Trying not to be hard on myself as I am quick to label myself lazy when in the past I have realised looking back it was my body fighting a health issue. For example hormonal or iron levels.

    I forced myself to get to the theatre and glad I did as it was a lovely treat.

    All the excessive social running around has calmed down now July is here, so just back to normal busy again.

    Today will be a NSD and yesterday was LSD (fares and ice creams during the interval)

    I seem to have made a subtle shift with eating and drinking. I had an ice-cream during the interval and only ate half as I’d had sufficient. I drank less than half of a small glass of wine as again, I felt I’d had enough. I’m finding I am less hungry when I reduce carbs. ;)

    Today I am covering at work so will be busy all day again but at least I am WFH ;)

    Happy 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 wish I had your discipline where ice cream is concerned
    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.
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Thanks Rosa. It's good to know people on here care enough to post this kind of comment :)
    I checked the rules before buying the car and all is fine. We had temporary arrangements so I could get the car back and have a few days driving too :) The car is currently off road until I can do the sorting out of care related paraphernalia. This will change this week when we will be back on the road.


    Fab :)


    I remembered you said you were buying it from someone you trusted, just thought better check than worry.



    Freedom of the road now yours :T:D
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • doingitanyway
    doingitanyway Posts: 10,163 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I’ve been so active today: washing, sorting out the house, ironing, washing up. I even did the cedar balls for storing clothes :D

    I called squirrel man to remove his equipment.

    Rosa prompted me to sort out car administration. I hate that side of things and was beginning to panic. :mad: Then I thought, I have to do it. I have the car now and I can spend all week working myself into a state or I can do it today and be in a state for a day instead.

    I chose to get it over with. I figured it could not be worse than driving 300 miles alone (my new benchmark for everything). I stuck rescue rem on my tongue, burnt frankincense oil and got on with it ;)

    I had visions of shlepping to the PO to get the car tax but it was so simple online. The insurance was harder work but I spent my lunch hour searching. I compared and haggled (a bit).

    So, now I have both tax and insurance, both paid in one annual payment

    I can now start to drive in the morning starting with getting petrol and a trip to Ald1 :)

    So, lots of NSDs for me as funds are now VERY low indeed :eek: but this way I keep my monthly salary just save a pro rata amount to a new savings account yet to be opened imaginatively called car ;)

    I hope you are all enjoying your Sundays :)
    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
  • redofromstart
    redofromstart Posts: 5,891 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Sounds like many Frogs eaten by you DIA. I need to sort car and motorcycle insurance this week, hate doing it too
  • RosaBernicia
    RosaBernicia Posts: 4,909 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Rosa prompted me to sort out car administration. I hate that side of things and was beginning to panic. :mad: Then I thought, I have to do it. I have the car now and I can spend all week working myself into a state or I can do it today and be in a state for a day instead.

    I chose to get it over with. I figured it could not be worse than driving 300 miles alone (my new benchmark for everything). I stuck rescue rem on my tongue, burnt frankincense oil and got on with it ;)

    I had visions of shlepping to the PO to get the car tax but it was so simple online. The insurance was harder work but I spent my lunch hour searching. I compared and haggled (a bit).

    So, now I have both tax and insurance, both paid in one annual payment

    I can now start to drive in the morning starting with getting petrol and a trip to Ald1 :)

    So, lots of NSDs for me as funds are now VERY low indeed :eek: but this way I keep my monthly salary just save a pro rata amount to a new savings account yet to be opened imaginatively called car ;)

    I hope you are all enjoying your Sundays :)


    Well done you :T:T


    It is much easier than before and also it gets easier for next year as you will have a renewal quote and your info already in the search engine.



    I'm taking inspiration from you and burning some lovely frankincense incense in an attempt to make myself get on with my last written assignment. I already have most of it outlined (something of a first for me :rotfl:) but it will be nicer if I can stop guilt free to listen to a favourite podcast later, and not have to give up a lot of tomorrow evening too.





    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • beanielou
    beanielou Posts: 96,090 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the car.
    Have a good day tomorrow & enjoy your trip to Aldi :)
    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: 10,163 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    edited 2 July 2018 at 9:54PM
    Hello MSE folk, another active day for me :)

    Little frogs eaten today
    Put petrol in the car by myself.
    Drove in and out of an underground car park (hate them)
    Found Ald1 and how to get into said car park from one way system
    Returned shoes and a dress and got a refund. £110 back in the kitty :money:
    All quilts aired and vacuum packed and pillows washed

    Today
    Shopping in Ald1 is so much cheaper than my online shop. :eek: Astounding really. I buy canned butterbeans usually 85p but in Ald1 33p. The toilet tissue is great and I got 24 rolls for £5.29 when I usually pay £4 odd for 9 rolls.

    Being on the road with 0 years no claim bonus is pricey but it will get better and shopping at Ald1 will save me money for a start. My last gym payment is in August :j (NEVER AGAIN) and that will be a big saving too. I am saving on travel too with increased WFH. If nothing major goes wrong with the car it should balance out more or less. ;)

    Today I wanted to go YS shopping but that is in a place with no parking and taking the train would have cost £5 so I did not go. If I am not at work and already have a travel pass paid for, the options are now driving or walking.;)

    I can see the Swedish store is open until 10pm so will drive there tomorrow late evening when there is no traffic. I have some curtains to return.;)

    No house renovation progress but I only had 1 day off this week and I can’t do everything. That said, I can’t slacken off :o

    I hope you all had a good Monday :)
    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 am grateful to own my house. :)
    It is currently a home that needs LOTS of basic maintenance and a bathroom and a kitchen! (I haven’t had an oven or a shower for 10 years) All very expensive and so I don’t have much more money for discretionary spending than when I was paying a mortgage. The house has seen better days (as have I) but now I am DF and MF I am taking steps to improve it. In the long run I will be better off and more secure as I age. I would rather struggle now whilst I have energy than later, when I might not.

    I am grateful for my car. :)
    Having a car is far from stress free and it is a bit of a luxury but it is already opening things up a little.

    An example? The £70 recycling green waste bin is going as I can drive to the centre once a month where I will also visit the Swedish store. The money saved will pay for my new NT membership £69. I can use the very beautiful but awkward to get to NT home, park for free for 5 hours and walk somewhere beautiful when I have some free time :)

    I am grateful for my friends. :)
    I have some lovely friends and over the past week they have treated me to wonderful things and made me feel valued and appreciated.
    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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