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

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  • doingitanyway
    doingitanyway Posts: 10,169 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I made a profit of £50 at the car boot sale, not much really but I got rid of a bulky item (my sewing machine) so now said item can stop gathering dust and reminding me that I was rubbish at sewing. ‘You thought you were going to make cushions and do home alterations but you can’t’ it kept saying. Goodbye bulky item! I also sold a too big dress and another few items.

    I added £50 to my CU emergency fund. Now I have a balance of £350.

    I am getting there ;)
    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: 96,104 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great balance in the CU :D
    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.
  • Homegrown0
    Homegrown0 Posts: 1,280 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Well done on the CU balance from the car booty! Good profit :)
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
  • doingitanyway
    doingitanyway Posts: 10,169 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I WFH this afternoon ;)

    I still managed to use the morning and lunchtime too. I got my car cleaned on the outside whilst I was in the supermarket. It cost £10 and now I can do the inside myself. I think it was worth it so I will do it once a month. I can barely clean the house so I am not adding a car to my list (although if I had debts to pay I would force myself to do it).

    I was mindful in the supermarket. I put back 3 items I thought I could do without :)

    I got railroaded by some violet and rose creams at the counter reduced to £1 for 12. I have already eaten them all. :o The funny thing is I enjoyed the cherries more than the chocolate, so I am stopping chocolate for a bit to enjoy the summer fruits instead

    I made meatballs today using lamb and chickpeas and loads of spices. All cooked and in the fridge now. Batter for flatbreads being left overnight to ferment a bit and I will make them tomorrow as I am WFH again tomorrow

    No progress on the house today.

    I put in a claim for my second job. This money will go straight to the emergency fund. I am aiming to reach my target of £1,000 by the end of August.

    Pleased with the day considering I woke up with a migraine brewing

    I hope your day went well too :)
    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
    Well done with the car boot sale , it's a bit more stuff out of the way is how to look at it. Hope the migraine brewing didn't hang around.

    When are you hoping to get your kitchen fitted ?
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • doingitanyway
    doingitanyway Posts: 10,169 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Well done with the car boot sale , it's a bit more stuff out of the way is how to look at it. Hope the migraine brewing didn't hang around.

    When are you hoping to get your kitchen fitted ?
    Thanks Cumbria.
    I got waylaid by the plasterers letting me down so a little delayed. I have an appointment at the Swedish store next week. Then 2 weeks or so to wait for the installers appointment to get their report then should be able to go from there. I want it in by the Autumn. We shall see :)
    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
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Well done on the boot sale and also the house improvements....you are sure getting through those twenty frogs :)
  • doingitanyway
    doingitanyway Posts: 10,169 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Well done on the boot sale and also the house improvements....you are sure getting through those twenty frogs :)
    Thanks brizzlegirl. No one can say I am not trying :)
    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!
    Yesterday I ate a frog and stopped one of the second income streams. I will also be stopping another income stream next week.

    I am trying to do less as I have an overwhelming desire to stop everything and just be. I can’t stop my main job so I am tackling things around the edge of it. I am becoming less able to keep all the balls in the air and feel as if I am slowly burning out. I feel tearful, headachy and tired. I was about to start WFH and realised I couldn’t face it so I emailed the team to say I was unwell. I have made an appointment to see my GP instead.

    Washing is on in the background. I love this weather where clothes can be washed and dried in a day

    This morning I texted someone I know for details of her electrician.

    Yesterday I arranged a bulky waste collection to get rid of some junk currently piled up in the garden

    Pay day in just over a week and I am getting excited about working to the new system. My budget was planned and balanced this morning and everything in one account is automated and accounted for. My discretionary spending is all in the new account.

    Today I will be kind to myself

    You be kind to yourself too
    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
  • Homegrown0
    Homegrown0 Posts: 1,280 Forumite
    1,000 Posts Third Anniversary Name Dropper
    Sounds like you made the right decision taking the day, and getting yourself booked in to see the GP. At times when you feel like life is getting on top of you, sometimes help is needed and I'm glad you're progressing that. Even if it's just a chat to get things off your chest.

    You're only one woman - you can't do it all. I think cutting back sounds like the best thing for you right now to give you time to look after yourself.

    I didn't get your PM yesterday, so i sent you a PM in the hope that you'd receive it and be able to reply easily? Not sure if you got it.

    Good luck with the new budget!
    Sealed Pot Challenge 075
    Pay off by Xmas 2019 #02 - target £10,000
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