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

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  • System
    System Posts: 178,363 Community Admin
    10,000 Posts Photogenic Name Dropper
    Lovely posts DIA recently, sounding very upbeat. Having a car is a most wonderful thing .
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • lonelyrat
    lonelyrat Posts: 567 Forumite
    Fourth Anniversary 500 Posts Combo Breaker Photogenic
    Just had a read through everything I've missed and have a smile on my face :) Love the gratitude post again so much. It's really refreshing and makes me want to appreciate certain things in my day to day more.

    Opera sounds like a fantastic experience. Would love to do something like that but OH would likely die of boredom. When I was younger me and my parents used to go to the ballet every Christmas and I have such fond memories of being there. Something I would definitely like to get into again.

    Sounds like you're making great progress with the house bits :cool: And good idea with the garden waste. Glad you enjoyed Aldi... everytime I go I'm so surprised at the price difference. I have two near me and both of them seem to have a very limited range of food which is a shame. Only for me though because I'm so fussy! :rotfl:

    I've noticed since I've cut down carbs a wee bit I've been finding it easier to control what it is I'm eating more. I am calorie counting currently but am finding I'm also inadvertently mindful eating which is good! That is the goal in the future... Try to fully disconnect from food as a reward/comfort , which has been my go to for a long time.

    Will try and be on more regularly and check in more often, although I have enjoyed having a full three pages to read :cool:
    Total Debt : ?? / ??
  • doingitanyway
    doingitanyway Posts: 10,169 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Lovely posts DIA recently, sounding very upbeat. Having a car is a most wonderful thing .
    I must admit it feels nice to be driving again. Thanks Cumbria :)
    lonelyrat wrote: »
    Just had a read through everything I've missed and have a smile on my face :)
    Opera sounds like a fantastic experience. Would love to do something like that but OH would likely die of boredom. When I was younger me and my parents used to go to the ballet every Christmas and I have such fond memories of being there. Something I would definitely like to get into again.
    Sounds like you're making great progress with the house bits :cool: And good idea with the garden waste. Glad you enjoyed Aldi... everytime I go I'm so surprised at the price difference. I have two near me and both of them seem to have a very limited range of food which is a shame. Only for me though because I'm so fussy! :rotfl:
    Thanks for posting Lonelyrat. It's good to get positive feedback as it feels very slow on the house.
    I like Ald1's range and quite like the liimitation too. I find a choice of 15 tinned tomatoes stressful but then I find lots of things stressful ;)
    The opera was wonderful :D
    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!
    Breathe in, breathe out. :mad: I had a plasterer just send a text. He was due between 5 and 6 and has just said he can’t make it can he come tomorrow? No apology. Do you think I should give him the benefit of the doubt? Am I being hard in thinking if he can’t be reliable at this stage I am better off finding someone else? He is the second plasterer to do this. I’ve been trying for 2 weeks now. My other option is to use the IKE3 plasterer and pay more but at least it gets done. :(

    Feeling disappointed but on the other hand I wouldn’t have a sparkling clean kitchen if he wasn’t due to come. Off to steam clean the kitchen floor...

    WFH 9-5

    Drudge
    Washing up/ dry/ pack away X1, X1, X1, X1, X1
    Clothes load done and drying
    Cleaned kitchen to Flylady standards. Yup :)
    Cleaned kitchen window inside and out
    Bins/recycling

    Decluttered
    Toxic household cleaner as it made me cough
    A very grubby blind

    Dish of the day (cooked and in the fridge)
    Spanish chicken, butterbean and chorizo stew made

    Hope you had a good day :)
    Welcome to the weekend :)
    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!
    If he cant come on time for a quote..........
    Was he on a job that over ran did he say?
    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!
    edited 6 July 2018 at 6:25PM
    I posted on your diary at the same time you were posting on mine.
    He said there was a family issue. It was just the tone of his text and the timing...Perhaps I am being a little hard?
    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!
    Well he has had one strike.
    If he doesent come tomorrow he's out.

    Mind you for me I would just go with Ikea's as it is all so much easier.
    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!
    I am very tempted to do the whole thing (including plastering) with IK3A and take the hit. My other option is a guy on my road who is a wonderful plasterer but a real pain in the butt. That said, he will do a good job and will not overcharge. I'll have a think.

    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
  • greenbee
    greenbee Posts: 17,925 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    How long will the PITA plasterer take? If you know it will be done well and at a fair price it's probably worth it. Just make sure you are out for most of the time!
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I had a great plasterer, but he was incredibly flaky. He suffered with poor health and was constantly putting jobs off. However he was good. And would at least always reply. And was happy to do our lounge in three goes over three months. So I put up with it. I did lie when he was due to do our hall, stairs and landing as he out it of three times. I eventually told him I had the carpet booked so had to have it done by a certain date.

    I have found that getting quoted for work is often the hardest part of home improvements. Although I trend to use checkatrade and have struck lucky this week with a landscaper quoting within three days of contact, all booked in for next month and a handyman quoting within a week and booked in for next week.
    Debt free Feb 2021 🎉
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