One eye on the future ..one eye on the past

elly68

oh my god add another 7 but got to be at tip today at 12 so quick cuppa to clear the dust  had to put glasses dishes found on a very long cycle in the dish washer  16/31 another 5 tomorrow to charity shop and i'll be back on schedule  then the difficult bit of going through stuff my brain wants to keep but im determined to reduce housework we just don't need this stuff hopefully beach tomorrow with the mad mutt missy 

elly68

tip run done visited my sister and a few drinks with hubby in pub last night .moving on with the declutter and charity bag day today so clothes bagged x 1 ready to go but need to fill another 5  bags . then have a few items to list on marketplace which will go into my holiday spends fund still no word from pensions will chase them when back at work on monday .
i'm off out to a charity do today short notice but looks fun and for a good cause and get to catch up with a pal .
will stick a slow cooker pasta in for hubby as wont be back at teatime 
have a lovely day folks x

elly68

God how does 10 days pass just like that hope you had a fab easter .day one of declutter the body and house lol so plan for this month continues but adding in my 30 min exercise for april too .
I managed 25/31 black bags in March so going to be doing same for April 0/30 and exercise 30 mins a day  0/30 if anyone wishes to join feel free 
Finally have a quote on my pension hopefully by end of April debt and mortgage free however I'm staying here as want to remain in control of finances and gather the finances for a few good holidays .
I want my house clean and empty and my garden blossoming so its a place I want to be , so giving myself a diy list deffo planning for a minimalist look so easy to clean maintain without much effort .
So here is the list 
conservatory declutter sand walls and paint clean windows and get hubby to fit the doors to cover washing machine and boiler
kitchen its almost there needs painting and i need a splashback going to get one of my paintings printed 
Livingroom get hubby to move fridgefreezer old one from kitchen and put it in shed . declutter and paint walls  new flooring needed move chair into conservatory where it belongs 
hall stairs keep them clear hate this area and paint back to white 
my bedroom lift carpet and put laminate down put door on cupboard 
daughter bedroom just a general tidy 
sons room needs new bed but otherwise all good if he keeps it clean
Wish me luck I'mgiving myself 8 months bit of hard graft but should work, on the days its too much i will potter in the garden

elly68

So i've tackled most of the hall and decluttered in other areas .the dogs enjoying the new walks 5/30 on the exercise front 3/30 on the black bags 
I am a parttime/hobby  artist and have my shift in the shop tomorrow unsure whether to start a business selling my painting on mugs cushions ect and whether to use some of my pension lump sum as  start up a  capital to get the stock.oh thinks i should just enjoy the days off L'm scared I'll get bored 
thoughts from others who have done this welcome .
Hope you have a great weekend x

[Deleted User]

Is your pension a DC or DB one ? Pleased you now have matched income and expenditure. Best wishes.

elly68

Hi Baron I dont know what the initials stand for its nhs if that sorts that.
I've been awol on my challenges but have caught up with friends and family .Found a printing company for my art work will start with prints and then decide what next .
Taking the dog for a long walk today as oh is finishing the kitchen tiling .Looking forward to it need to improve my fitness 
My debt is all cleared so im no longer a debt free wannabee or mortgage free wannabee that i was 14 years ago ,have to say it feels fab to know that money in the bank is ours after basic bills .
Starting lisa for both kids so they get a head start on life .
Now my aim for the rest of 24 is declutter and fix up house and declutter the body and to stay debt free wish me luck 

[Deleted User]

If you have an NHS pension it is a DB one and one of the best!

elly68

so whats db

Lonelygambler

elly68 said:

Hi Baron I dont know what the initials stand for its nhs if that sorts that.
I've been awol on my challenges but have caught up with friends and family .Found a printing company for my art work will start with prints and then decide what next .
Taking the dog for a long walk today as oh is finishing the kitchen tiling .Looking forward to it need to improve my fitness 
My debt is all cleared so im no longer a debt free wannabee or mortgage free wannabee that i was 14 years ago ,have to say it feels fab to know that money in the bank is ours after basic bills .
Starting lisa for both kids so they get a head start on life .
Now my aim for the rest of 24 is declutter and fix up house and declutter the body and to stay debt free wish me luck 

Congratulations on debt free! An amazing achievement 

NeverendingDMP

elly68 said:

so whats db

Defined benefit. I'm not totally clued up on all this but DB was once described to me as a promise to pay x amount a year no matter what and is seen as a very good thing. The pensions boards are fab for this. I once wrote a ramble to ask for help and they understood all the words I didn't and I understood a bit about my pension afterwards. 😂