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  • FIRST POST
    • parsniphead
    • By parsniphead 28th Jul 19, 2:54 PM
    • 2,837Posts
    • 19,960Thanks
    parsniphead
    You can't beat me, I will win.
    • #1
    • 28th Jul 19, 2:54 PM
    You can't beat me, I will win. 28th Jul 19 at 2:54 PM
    Hello all who visit. Ive had my past diary for a long time and I've been neglecting it for one reason or another. Anyway I'm eager to get everything in my life sorted and feel a fresh new start will help. Anyway a bit about me....

    I've been here a long time but I'm still in debt. I should have been debt free years ago but I'm a bit, well, daft really. Oh how I wish I had focused more but the past is the past. Time to move forward.

    I have a DH and a DS aged 8.

    I like gardening, sewing, diy ( I'm trying to do up my house) and being outdoors.

    I work four days a week at the local college.

    Oh and I was diagnosed with ovarian cancer just over a year ago. I have decided that this can go and %$#÷ Off (insert appropriate word).

    Anyway I'm making plans to conquer each problematic area and will be back later with said plans.

    I want this diary to be full of positivity so please feel free to kick me up the backside should I become a miserable cow. Misery gets you nowhere.

    Back soon. Xxx
    1 debt v's 100 days chapter 33. Yorks Bank £178.90/£338.56 52%

    £1000 Emergency fund challenge £133.55/1000

    My house WILL be decluttered by 1st December 2019
Page 2
    • doingitanyway
    • By doingitanyway 30th Jul 19, 11:04 PM
    • 4,749 Posts
    • 30,291 Thanks
    doingitanyway
    Not just me then DIA

    Originally posted by parsniphead
    Thoughts are one thing, but this level of Christmasness is not allowed and I have reported you to the moderators.
    Car costs savings: 600
    Xmas savings 350
    IF NOT NOW THEN WHEN?
    • beanielou
    • By beanielou 30th Jul 19, 11:06 PM
    • 67,415 Posts
    • 305,662 Thanks
    beanielou
    Thoughts are one thing, but this level of Christmasness is not allowed and I have reported you to the moderators.
    Originally posted by doingitanyway
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 16 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • jwil
    • By jwil 31st Jul 19, 7:49 AM
    • 11,207 Posts
    • 41,137 Thanks
    jwil
    That is the sort of challenge I would do Good luck with it!

    I don't think I'd dare do that, I'd be horrified. Our house seems to be so dusty!
    "If you can dream it, you can do it". Walt Disney
    • in need of direction
    • By in need of direction 31st Jul 19, 8:19 AM
    • 6,113 Posts
    • 38,260 Thanks
    in need of direction
    I managed to slip in use of the c word this week and it wasn’t met with outrage. I’m normally banned from its use until September
    Mortgage at 01.01.14 £119,481.83 today £64761.98 target £65,000 by 05/04/19 Offset fund today £946.16 target £1000 by 31/12/19
    Emergency fund £4266/5.5k & £200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 7lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • parsniphead
    • By parsniphead 31st Jul 19, 10:07 AM
    • 2,837 Posts
    • 19,960 Thanks
    parsniphead
    Thoughts are one thing, but this level of Christmasness is not allowed and I have reported you to the moderators.
    Originally posted by doingitanyway


    [QUOTE=jwil;76098057]That is the sort of challenge I would do Good luck with it!

    I don't think I'd dare do that, I'd be horrified. Our house seems to be so dusty![/QUOTE

    I think I may be slightly ashamed. I just need to weigh the empty bag before starting. I may need to buy more bags.

    I managed to slip in use of the c word this week and it wasn’t met with outrage. I’m normally banned from its use until September
    Originally posted by in need of direction
    shocking
    1 debt v's 100 days chapter 33. Yorks Bank £178.90/£338.56 52%

    £1000 Emergency fund challenge £133.55/1000

    My house WILL be decluttered by 1st December 2019
    • savingholmes
    • By savingholmes 31st Jul 19, 10:14 PM
    • 9,909 Posts
    • 20,079 Thanks
    savingholmes
    Look forward to seeing how heavy your vacuum dust is then.... I must admit the best bit about tidying a room is vacuuming it after and seeing the dust come up... so much so I do the room in stages just to keep getting that dopamine hit... The rest of the time I leave vacuuming to someone else ll...
    Target DFD Mar 21 Nov 20 £38840 @ 13/7/19 £26,547@0%
    Target MFD July 2031 March 28 owe £145551 @13/7/19 £145,180 @1.7%
    • parsniphead
    • By parsniphead 31st Jul 19, 10:33 PM
    • 2,837 Posts
    • 19,960 Thanks
    parsniphead
    I agree. It's lovely to see a tidied room once it's vacuumed but I just don't like doing it.

    I dread to think what will come from the back of DS's bed now the rooms are swapped back after the barking dog episode.

    Off to polish off a Chinese now. I'm ravenous. Have a fab night.
    1 debt v's 100 days chapter 33. Yorks Bank £178.90/£338.56 52%

    £1000 Emergency fund challenge £133.55/1000

    My house WILL be decluttered by 1st December 2019
    • parsniphead
    • By parsniphead 1st Aug 19, 10:46 AM
    • 2,837 Posts
    • 19,960 Thanks
    parsniphead
    Morning all.

    I'm in a proper go getting mood today. I want to clean, clear, declutter and kill the debt. I wish I could bottle this for more slovenly days.

    I do have to spend time entertaining DS so can't spend the whole day doing this but I need to make time. I will even crack out the vacuum.

    I've given the kitchen a bit of a spruce up but have a bit more to do. It think a declutter of kitchen cabinets will help with storage issues. A fifteen minute timer day may help.

    Sorry for the manic waffling. I just wanted to get something down on paper.
    1 debt v's 100 days chapter 33. Yorks Bank £178.90/£338.56 52%

    £1000 Emergency fund challenge £133.55/1000

    My house WILL be decluttered by 1st December 2019
    • beanielou
    • By beanielou 1st Aug 19, 3:02 PM
    • 67,415 Posts
    • 305,662 Thanks
    beanielou
    I swear by the 15 miute timer.
    It gets me started & then I often do more
    Amazing what you can do in 15 minutes
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 16 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • parsniphead
    • By parsniphead 1st Aug 19, 8:45 PM
    • 2,837 Posts
    • 19,960 Thanks
    parsniphead
    I swear by the 15 miute timer.
    It gets me started & then I often do more
    Amazing what you can do in 15 minutes
    Originally posted by beanielou
    Or waiting for the kettle to boil. I quite like that one. I think I have a little pink pig timer somewhere. I will have to dig it out.

    I've had a bit of an unplanned spend today. I gave up on sons room. It was a complete disaster zone. Anyway after consulting him we chose a storage unit wit 8 small fabric bins and 4 large ones. It's absolutely made on heck of a difference. I can now see a light at the end of a long, dark tunnel. Tomorrow will be spent on other areas including under the bed , but it should all be done by then.

    I also still need to dig out his old baby clothes so I can start work on the memory puff quilt I want to make him for Christmas. It's the only way I can get rid of some of him clothes without becoming too emotional. I'm such a big softy.

    Before bed I'm going to give my bedroom a once over. It's getting a little untidy and dusty but will be better tomorrow once the last of DS's toys leave.

    Henry's vacuum bag is taking a bit of a bit. I dread to think what he will hold at the end of the month.

    Anyway a vac and polish then I'm done for the night.

    Back soon. X
    1 debt v's 100 days chapter 33. Yorks Bank £178.90/£338.56 52%

    £1000 Emergency fund challenge £133.55/1000

    My house WILL be decluttered by 1st December 2019
    • savingholmes
    • By savingholmes 1st Aug 19, 9:10 PM
    • 9,909 Posts
    • 20,079 Thanks
    savingholmes
    Sounds like great progress to me. My house is filled with those types of storage cubes...
    Target DFD Mar 21 Nov 20 £38840 @ 13/7/19 £26,547@0%
    Target MFD July 2031 March 28 owe £145551 @13/7/19 £145,180 @1.7%
    • parsniphead
    • By parsniphead 3rd Aug 19, 3:07 PM
    • 2,837 Posts
    • 19,960 Thanks
    parsniphead
    Sounds like great progress to me. My house is filled with those types of storage cubes...
    Originally posted by savingholmes
    It's been fab. I wish I had got one a long time ago.

    I've been mooching on here today and have re-signed up to the £1000 emergency fund challenge. I've also shown interest in the pay off one debt in 100 days. I think I really need lots of things to keep my motivation high. The last year has been so strange and my debt has increased so it's time to bring out the big guns and get things sorted once and for all. I do just need to keep calm though as I get frustrated with slow progress.

    I must tell myself....SLOW PROGRESS IS BETTER THAN NO PROGRESS.

    Anyway time to finish of DS's bedroom while he is otherwise engaged. If he is around nothing will leave this house the little hoarder.

    Have a fantastic weekend everyone.👍🍻
    1 debt v's 100 days chapter 33. Yorks Bank £178.90/£338.56 52%

    £1000 Emergency fund challenge £133.55/1000

    My house WILL be decluttered by 1st December 2019
    • greenbee
    • By greenbee 3rd Aug 19, 3:32 PM
    • 13,416 Posts
    • 227,311 Thanks
    greenbee
    You're doing really well. Just remember to set yourself realistic targets. If you reach them early then you can set new ones. But if you make them too difficult and fail then it gets you down.

    Good luck with DS's bedroom!
    • doingitanyway
    • By doingitanyway 3rd Aug 19, 4:59 PM
    • 4,749 Posts
    • 30,291 Thanks
    doingitanyway
    You are doing great with decluttering and cleaning PH.

    You have reminded me that I am signed up for the £1,000 emergency challenge and I never quite got there. I revisited Dave R. and it is supposed to be separated in an account. Something I've never done. He also says build it as fast as you can so I have put £200 from another less important pot in an unused account and set up a S/O of £50 a month.

    How are you doing your £1,000 fund?
    Car costs savings: 600
    Xmas savings 350
    IF NOT NOW THEN WHEN?
    • parsniphead
    • By parsniphead 3rd Aug 19, 6:06 PM
    • 2,837 Posts
    • 19,960 Thanks
    parsniphead
    Ooh I didn't think of a SO DIA. You're a genius.
    1 debt v's 100 days chapter 33. Yorks Bank £178.90/£338.56 52%

    £1000 Emergency fund challenge £133.55/1000

    My house WILL be decluttered by 1st December 2019
    • parsniphead
    • By parsniphead 5th Aug 19, 8:17 AM
    • 2,837 Posts
    • 19,960 Thanks
    parsniphead
    Morning diary

    I have two weeks left before back to work. I really want to have fun with DS and make another dent on house stuff.

    I also have another round of treatment Wednesday afternoon so I need to go for a good test tomorrow morning. I'm very grateful that treatment is available to but really starting to get on my wick.

    I'm going searching for more t shirts for DS's memory quilt. I have loads of his stuff in the awkward cupboard.

    Anyway time to get on. Have a good day.
    1 debt v's 100 days chapter 33. Yorks Bank £178.90/£338.56 52%

    £1000 Emergency fund challenge £133.55/1000

    My house WILL be decluttered by 1st December 2019
    • savingholmes
    • By savingholmes 5th Aug 19, 8:39 AM
    • 9,909 Posts
    • 20,079 Thanks
    savingholmes
    On the EF - DR recommends you sell stuff, work extra shifts, do anything you can to get that EF set up - preferably in one month... as otherwise we are likely to fall back into borrowing when emergencies arise. I had an emergency with DS who is abroad earlier this year that was around £1K but had an emergency fund so didn't have to borrow more.
    Target DFD Mar 21 Nov 20 £38840 @ 13/7/19 £26,547@0%
    Target MFD July 2031 March 28 owe £145551 @13/7/19 £145,180 @1.7%
    • parsniphead
    • By parsniphead 5th Aug 19, 9:02 AM
    • 2,837 Posts
    • 19,960 Thanks
    parsniphead
    Thanks SavingHolmes. You must have been relieved to have your emergency fund. I hope you've managed to build it up again.

    I love DR. He always gets me fired up. I have been looking around for stuff to sell but I think most of it went years ago. What's left is just carp but I may see if I can get a load together for a car boot...

    My work don't do overtime but I struggle to manage four days at the moment as the chemo wipes me out. I have to try and find the balance between work and health.

    I did used to work part time for myself as a dressmaker. Unfortunately the treatment has caused peripheral neuropathy which has caused completely numb hands and feet. I did repair a dress for a colleague recently but it was poor. Not up to my standards. I have to say this is one of my biggest frustrations to be honest. It made me a few pounds each month.

    Actually while typing I've remembered I still have DS's washable nappies. I think I will research into selling those. They cost a small fortune.

    I don't want to sound like I'm giving loads of excuses and under normal circumstances I would throw myself into it headlong but normal doesn't exist at the moment and to be honest it so bl00dy frustrating.
    1 debt v's 100 days chapter 33. Yorks Bank £178.90/£338.56 52%

    £1000 Emergency fund challenge £133.55/1000

    My house WILL be decluttered by 1st December 2019
    • Chrystal
    • By Chrystal 5th Aug 19, 2:21 PM
    • 794 Posts
    • 5,694 Thanks
    Chrystal
    PH you're not 'giving loads of excuses' - you're stating facts, and another fact is that you are doing brilliantly! Coping with Chemo and the reason for it is something that is life changing, and the strength of mind you have shown is inspiring. You have made fantastic progress and I'm certain you will continue to do so. Be proud of yourself. ((((hugs))))
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • parsniphead
    • By parsniphead 5th Aug 19, 4:28 PM
    • 2,837 Posts
    • 19,960 Thanks
    parsniphead
    Thank you Chrystal.

    I'm just a stubborn old bugg£r who doesn't like change or having to dance to others tunes.

    I've sorted through a load of DS's old clothes and have 7 bin bags. That's just 0_3 yrs. I don't think I've had that many clothes in 48 yrs. This has been a big thing for me as I'm so sentimental but it's done. I wonder how much more I can declutter before bed.

    On a roll.
    1 debt v's 100 days chapter 33. Yorks Bank £178.90/£338.56 52%

    £1000 Emergency fund challenge £133.55/1000

    My house WILL be decluttered by 1st December 2019
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