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

doingitanyway
doingitanyway Posts: 8,729 Forumite
First Anniversary Name Dropper First Post Mortgage-free Glee!
edited 31 March 2018 at 6:46PM in Debt free diaries
I am debt free but I have neglected myself and my home for years. My home and I have held up well after years of neglect, but we are both shabby and need of care and attention. I need to move on. This house needs a little family to love it. So I am giving myself 20 months for us both to be camera ready, so we can rise from the ashes of debt like phoenixes in 2020.

So over the next 20 months I will do a minimum of:

--20 Major home improvements

--20 Minor home improvements

--20 kilos

--20 drab to fab changes

--20 health improvements

--20 giant frogs to eat

--20 normal sized frogs to eat

I will set a monthly goal in each category and [STRIKE]moan[/STRIKE], [STRIKE]whinge[/STRIKE] report on it throughout the month until it is done :)

For APRIL it looks like this:

—Fix the roof

—Find window film for living room, put it up, clean the window and get curtains taken up

—Lose 2 kilos

—Wear tinted lip balm and perfume everyday in April.

—Walk 3 miles at least once a week

—Get insurances in place. This is A GIANT FROG outstanding for over a decade

—Get glasses. This is a normal sized frog outstanding for 3 years.

So, here I go…:)
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.

Solicitor/survey savings 300/1700
Emergency fund 0/1000
Buffer fund 0/200
«134567154

Comments

  • redofromstart
    redofromstart Posts: 4,152 Forumite
    First Anniversary Photogenic Name Dropper First Post
    Hi DIA, happy new diary and obviously I will be cheering you on, whether you like it or not :)

    Don't forget cashback sites when you sort those insurances. Some of the biggest amounts are from insurance.

    Are you setting yourself monthly budgets for each of the focus areas?
  • Happy new diary. To new beginnings. xxx
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
  • UncannyScot
    UncannyScot Posts: 2,070 Forumite
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    Happy New Diary D.I.A. :D
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
  • RosaBernicia
    RosaBernicia Posts: 4,875 Forumite
    Name Dropper Combo Breaker First Post First Anniversary
    Happy shiny new diary DIA.

    Re your drab to fab goals, you might be interested in this... there are some great online and free resources especially if you join the FB group.


    Rosa xx
    Debt free May 2016... DFW#2 in progress
    Campervan paid off summer '21... MFW progress tbc
  • jwil
    jwil Posts: 19,065 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Good luck with it all :)
    "If you can dream it, you can do it". Walt Disney
  • All sounding good especially the roofer. Can't wait to see the progress.
    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 11st11lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 40.25% through my pb challenge.
  • System
    System Posts: 178,093 Community Admin
    Photogenic Name Dropper First Post
    DIA , I have found you , great to see a new diary for a new phase in your life.

    Let's get the roof done , then you can concentrate on your list.

    Hope you have enjoyed the Easter break.
  • doingitanyway
    doingitanyway Posts: 8,729 Forumite
    First Anniversary Name Dropper First Post Mortgage-free Glee!
    Happy shiny new diary DIA.

    Re your drab to fab goals, you might be interested in this... there are some great online and free resources especially if you join the FB group.
    Rosa
    Thanks Rosa, a lovely resource. Unfortunately or fortunately I've never done FB but there is enough on there anyway :)
    jwil wrote: »
    Good luck with it all :)
    Thank you :)
    All sounding good especially the roofer. Can't wait to see the progress.
    Thanks INOD. Really hoping the roofer works out and despite nerves i am starting to look forward to the progress 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.

    Solicitor/survey savings 300/1700
    Emergency fund 0/1000
    Buffer fund 0/200
  • beanielou
    beanielou Posts: 90,186 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Happy shiny new diary.
    20 major house things is a LOT.
    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.
  • RhiBi
    RhiBi Posts: 702 Forumite
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    Fab new diary, good luck xxxx
    Virtual Sealed Pot No.07
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