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

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Comments

  • beanielou
    beanielou Posts: 96,661 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the builder :)
    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.
  • lonelyrat
    lonelyrat Posts: 567 Forumite
    Fourth Anniversary 500 Posts Combo Breaker Photogenic
    WOOOHOOO! A builder well and truly on the horizon... I'm very happy! Fingers will be firmly crossed everything goes well on Wednesday. Well done on asking for a reduction. Also sounds good with the moving the sofa/ cabinet. I love when you have a re-shuffle and things just *feel* better.

    Hope the migraine goes away :(
    Total Debt : ?? / ??
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Fab news on builder! I had tee same with the people I had out to quote for my roof and guttering. Could start in two weeks, was hoping for an extra month to scrape the money together. But the weather is good atm and better over and done with.
    Debt free Feb 2021 🎉
  • doingitanyway
    doingitanyway Posts: 10,372 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks everyone for all the encouraging posts about decluttering, the builder and thank you for the migraine comments too. Hoping tomorrow I wake up migraine free :)

    Curtains changed. I had 2 odd curtains up because it is a back room. After a while I stopped seeing this. Then I did. :eek:

    Went to Mr S and Mr MnS. I’ve decided to bring back a beauty night and will combine it with movie night. A face pack at the very minimum and a good film.:) I was on the lookout for a DVD player as I have access to loads of them and I also want to start doing exercise DVDs. I found one on sale for £14 in Mr S.:money:

    I went to Mr MnS and saw some Datterini tomatoes in olive oil. They are usually £2.80 and were being cleared at 25p. :eek: I bought all 13 jars on the shelf. These sort of treats make such a difference to my meals, even the basil olive oil they are in will be used for salad dressing. I also bought smoked salmon for £2.10 reduced from £5

    I bought flowers for £3 and some full price chicken legs. Unusual for me to pay full price but no regrets ;)

    I just ate a giant smoked salmon salad :)

    TV and a cup of tea this evening. Oh the excitement! I hope your evening goes well :)
    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: 10,372 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Fab news on builder! I had tee same with the people I had out to quote for my roof and guttering. Could start in two weeks, was hoping for an extra month to scrape the money together. But the weather is good atm and better over and done with.
    Thanks Drawingaline. It is best to get outside work over and done before the weather turns. I hope we both have success ;)
    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
  • Is it worth mentioning to the builder that there will be more work to be done? It might keep him on his toes.
    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 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.
  • doingitanyway
    doingitanyway Posts: 10,372 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Is it worth mentioning to the builder that there will be more work to be done? It might keep him on his toes.
    Thanks INOD, that is exactly what I have done. I have said I want a new bathroom fitted next but I made clear I have jobs aplenty! ;)
    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: 10,372 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I don’t want to be cold and tonight it is chilly.

    So, the electric blanket is now under the sheet and will be used for the first time tonight. I will be buying a backup hot water bottle. When I get paid I will be buying some cashmere fingerless gloves from a company that uses recycled cashmere. I have my eye on some slippers but they are expensive so I will be waiting until the Winter sale and hope I can buy them then. I’m going to look out for thermal leggings.

    I have eaten chicken, lentils, chard, cauliflower and quinoa with red beans today. My breakfast was eggs and smoked salmon. All healthy stuff. A good off shoot of not eating simple sugar is my taste for salt has also reduced naturally, not sure why. Better for my health and blood pressure so all good.

    Tonight I am missing wine and plant milks but I don’t have cravings like I had when I started this way of eating at the end of September. I’m doing well with my food and absolute rubbish with exercise and activity. Hairyhand is making me rethink Pilates as there is a class on Thursday that I haven’t even tried :(

    I know I am changing because although the builder coming makes me feel slightly anxious I am also excited to think the work will be done.;)

    Have a nice evening everyone. Stay snuggly :)
    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
  • System
    System Posts: 178,374 Community Admin
    10,000 Posts Photogenic Name Dropper
    Another hot water bottle out here as well. All your food sounds yummy. Yay to the builder doing his jobs.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • doingitanyway
    doingitanyway Posts: 10,372 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    A difficult day. I WFH and also oversaw the building work.

    The initial outside work will be more than expected. :eek: He showed me why and worked out a plan of action that I agree with but my trust is so seriously lacking that despite photos I had to go up the ladder to feel the wood rot. I have never been up a ladder so high up so pleased with myself for going so far out of my comfort zone.

    It will cost me more than I thought but I am glad the problem has been identified

    It is still hard for me to work with him as I felt anxious, to the extent that I haven’t eaten all day and I have an upset tummy. But I did it.;)

    I spent my lunch break cleaning the mirrors in my room and all the glass in the patio doors.

    He is still here but will be gone soon. Tomorrow he will back and this is pattern for the rest of the week so hopefully my nerves will lessen.

    Soon I will be able to breathe out, light a candle and eat something light, probably scrambled eggs and my YS smoked salmon.

    I hope you all had good days and if not there is probably tomorrow :)
    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
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