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

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  • doingitanyway
    doingitanyway Posts: 10,405 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I walked 3 miles today. No excuses about right weather or shoes just wore jeans and trainers and got on with it. I really enjoyed it.:T:T

    I checked Marks for walking boots but didn’t like them.

    I wanted the gift set for some posh face products. They were on sale at Boots at half price and all the products were things I wanted. None left. So saved £35 there. ;)

    I was tempted by a face cleanser and cloth but resisted. ;)

    I spent £35 in Marks so I could use a voucher but forgot the voucher :eek: Most of the food was YS but I also picked up some half price port and some dark chocolate! I should be able to have lots of NSDs now as I spent so much

    I caught up with a friend on the phone and we made plans for over the christmas week :)

    Too much spending today, especially when I had already overspent with the builder, but I am putting it behind me. Onwards and upwards :)

    I hope you are having a lovely Sunday :)
    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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done for going for a walk today and glad you enjoyed it :T. I do all my walks in trainers, with either jeans or tracksuit trousers. You don't need specialist clothing for walking unless you're climbing mountains.
    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
  • doingitanyway
    doingitanyway Posts: 10,405 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    HairyHandofDartmoor wrote: »
    Well done for going for a walk today and glad you enjoyed it :T. I do all my walks in trainers, with either jeans or tracksuit trousers. You don't need specialist clothing for walking unless you're climbing mountains.
    Too true. The walking boots are definitely a way of me procrastinating. That said my trainers are Summer ones with cutouts so not really 100% appropriate. If I can get the boots I can start walking in the country with proper walkers. Although that has been the plan for months now! :o In the meantime I will still be walking anyway :)
    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: 10,405 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    I bumped into the son of a relative I haven’t been in contact for 5 years after a fallout. Lovely to see him. A relative of ours is very ill. Life is short so I bought the wine we used to drink and the snack we used to have and bought a card saying let’s put our differences behind us. I don’t know how she will feel about it but I am pleased with myself for doing it. £17 in total so not MSE but hopefully worth it.

    I ended up ordering the Clinique gift set online and picking it up today. I don’t want to encourage anyone but it includes moisture surge that costs £36 alone, add in lipgloss, mascara, all about eyes and take off the day and the worth is £116.00 I use all of those (given the chance) There was also a mirror that is great as an extra. The cost was £35.

    I hate to say it but I can’t bring myself to feel guilty :o

    I know I am overspending!:eek: Believe or not I am not overdrawn but this is because I have saved on fares by all this WFH

    I hope you are all having low spend, no spend, necessary spend days :)
    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
  • Chrystal
    Chrystal Posts: 2,008 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Looked for the Clinique gift set but it's out of stock where I live :(
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's a really nice gesture with the estranged relative and I hope she responds in kind. As you say life is short.
    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
  • doingitanyway
    doingitanyway Posts: 10,405 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Chrystal wrote: »
    Looked for the Clinique gift set but it's out of stock where I live :(
    Sold out locally for me too. Order on the Boots website and pick it up from a local store. ;)
    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: 10,405 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    HairyHandofDartmoor wrote: »
    That's a really nice gesture with the estranged relative and I hope she responds in kind. As you say life is short.
    She may not but at least I made the effort. The way things are going I will bump into her at the relatives' funeral (the prognosis is terminal) so I may as well attempt to make the peace if I can.
    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: 96,734 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    What a lovely thing to do :)
    Enjoy your gift set :)
    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: 10,405 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Angst and Action

    Angst: my skin looks dead, truly terrible :eek:

    Action: facial scrub, hot cloth cleanse, face mask, moisturise (looks much more alive) ;)
    Action: booked a facial at the training school for Thursday £12 as a treat :)
    Action: drink more water. on 1/8

    Angst:
    Poor sleep due to squirrels waking me up so headachy :mad:

    Action: called squirrel man. What else can be done? He is coming today :)

    Angst:
    Think my iron levels are going down again :(

    Action:
    An appointment made for health check and to have iron levels checked :)

    If you have an angst, what is your action?

    Wishing you a positive day
    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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