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20/20 Vision (repaying a debt to my home and myself)
Comments
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in_need_of_direction wrote: »What makes you think that what you struggled with is something everyone else manages? Could it be that everyone isn't as honest as you? Bit like debt when you feel that everyone else has things sorted and it's just you who can't balance the books. Give yourself credit for admitting an issue and tackling it head onIf 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) 25/0720250 -
Don't forget the emotional stress which in itself is very tiring.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo0 -
Yes and its harder to cancel that way.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo0 -
Good idea on morning appointments.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.0 -
I have an IKEA kitchen which I love. They can be so cheap, the actual units and worktops came to less than £1500! However with IKEA the fitting is so expensive. We fitted it ourselves (well with my dad's help) and did it in three stages over a year. When you get a quote back check for added extras like under cupboard lighting etc as when I did my planning in-store (I had an idea of cost as had looked at the units online and made a rough sketch with measurements etc) it was about £1000 more than I thought it should be! Quick look down the list of things and I weeded out a few things quite quickly that I knew were not essential. We also bought all our plumbing stuff and sink and tap from a well known high street DIY chain, again I felt that IKEA was a bit overpriced with these things.
Anyway my advice is, after you get the quote, look at things you may not want/need (you may love the idea of under cupboard lighting) that have been added on, and then also get some quotes for fitting from independent fitters. Although IKEA kitchen base units annoyingly have no space for plumbing, the backs go straight to the wall, and some fitters don't like them for this reason. We got round it by leaving the backs off two of the units.
Also go onto the website and have a look at all the different unit designs, they have all the dimensions on there so you can get an idea of layout and what will fit where, and look at the big selection of doors, we went for a high gloss in two colours, white on the base unit and red on the wall units.
Hope this is of some help :beer:Debt free Feb 2021 🎉0 -
I had a chocolate binge too!!
Nice it was too!!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.0 -
You just made me steal a mars bar from the boys. Whoops
beanie, one of them had orange smartie eggs but selfishly refused to share.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo0 -
Checkatrade is your friend for looking up kitchen fitters
I have open metal shelves on one of my walls for plates etc, they were £14 each and I like the accessibility of them. However not everyone likes them, but they are a good budget option alongside the units:D
Debt free Feb 2021 🎉0 -
Drawingaline wrote: »Checkatrade is your friend for looking up kitchen fitters
I have open metal shelves on one of my walls for plates etc, they were £14 each and I like the accessibility of them. However not everyone likes them, but they are a good budget option alongside the units: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) 25/0720250 -
I hioe sort it out Sunday goes well for you. Its not as nice here as it was yesterday but least its still dry. I hope you get plenty of sunshine to get outside.
I'm really enjoying reading you new debt free journey. Its something to aspire too.:T1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.0
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