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

17677798182154

Comments

  • I do a lot of snacking on nuts, but then I rarely eat actual plated meals so the calories even out. I find that having a measured portion in a pretty small bowl works well but if I have the open packet on my desk I eat them all.

    Yum to nice food though, I was reading something about changing your mindset to only eating things you actually enjoy, and making every mouthful taste which resonated with me.

    Hope you find some boots, I ended up in a big Go Outdoors to find ones that fit my narrow feet and heels, but they do the job perfectly.
  • doingitanyway
    doingitanyway Posts: 10,391 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I do a lot of snacking on nuts, but then I rarely eat actual plated meals so the calories even out. I find that having a measured portion in a pretty small bowl works well but if I have the open packet on my desk I eat them all.

    Yum to nice food though, I was reading something about changing your mindset to only eating things you actually enjoy, and making every mouthful taste which resonated with me.

    Hope you find some boots, I ended up in a big Go Outdoors to find ones that fit my narrow feet and heels, but they do the job perfectly.
    I think nuts are are a good snack food. I notice when I portion them out I am better.
    I am only eating food I like. Sounds obvious but years of surviving on YS food distorted my likes and dislikes.
    I'll look at Go Outdoors when I go shopping for boots tomorrow. Thanks for the headsup
    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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • doingitanyway
    doingitanyway Posts: 10,391 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Yesterday was lost to the dreaded migraine. :( It is still here today but it is like a shadow migraine, much, much, less. On the upside I had a NSD.

    Today I should be WFH but my boss said logging on this afternoon is fine. I am thankful for that. :)

    My weight has gone down again. I can see a pattern where it appears to stop and then it suddenly goes down noticeably. ;) I am just going to keep on doing what I am doing as it is clearly working. I keep making small changes. I am stopping plant milks as they are so expensive (for good ones without gums and fillers) I only have them in black tea but don’t need them. I am defaulting to a green smoky tea that is delicious but expensive, but if I stop milk it will even out.

    The builder has contacted me with a quote! :j:j

    I have a few questions so will talk to him tomorrow but it is fine so hopefully that work can be done before the weather is against us.

    This morning I have done some washing that is drying and I will spend the morning pottering.

    Enjoy your Sunday everyone :)
    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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • beanielou
    beanielou Posts: 96,701 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope you are having a good day.
    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: 10,391 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    beanielou wrote: »
    Hope you are having a good day.
    Actually I am having a good day thanks Beanie.:)

    I worked this afternoon but nothing was too challenging.

    The migraine has gone now. I am hoping it does not return during the night as per the last few days.

    The upside of migraine is it slows you down. During the slow pottering I could see things more clearly. For instance my water filter has mildew! I have binned it and will use tap water. And my living room was over cluttered with furniture. I have 2 sofas in quite a small room. I thought I could move one of the sofas to the dining room as I seem to spend most of my time in there.

    The last stage of a migraine disappearing is an energy surge. I used this energy surge to move the sofa by myself into another room, (not easy to do alone). I also moved a cabinet.

    Everything looks more balanced and I am happy with my achievements. I also did a whole black bag full of decluttering. Exhausted now, so that is enough for today.

    I hope everyone is enjoying their Sunday 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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • beanielou
    beanielou Posts: 96,701 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done on the decluttering & the furniture moving :)
    Hope the migraine stays away.
    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: 10,391 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Woke up with remnants of a migraine from during the night AGAIN :mad: but it is definitely lessening with each day as relatively weak :T

    I ate 2 frogs in quick succession. I phoned the builder and queried the quote and also checked when he was available. He has had a cancellation so said this Wednesday!:eek: I said I would check with work to stall for time as I felt panicked.

    Then I thought the sooner the better and the weather is dry right now so I called back and said yes but I asked for a reduction. (Thank you Homegrown as you suggested to do this a while back and I remembered it was an option) It is only 5% of the total cost but I felt empowered doing it. Hopefully it shows him I am no pushover too. ;)

    So the work starts Wednesday.

    I hope he does a good job so I can use him again in future.

    I am feeling optimistic :)

    Wishing you all a brilliant start to your 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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Morning doingitanyway,

    Hope that your migraine disappears quickly.

    Well done for contacting the builder and getting him to come visit.

    Have a lovely day xx
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Hope you're migraine goes away.......I had one for two days last week and it wasn't pleasant

    Glad you asked for a discount as there is never any harm in asking xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • You're doing so well DIA with furniture removal, de-cluttering, booking builders and asking for discounts :T.
    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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