20/20 Vision (repaying a debt to my home and myself)
Comments
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Good news on things starting to take shapeI 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.0 -
doingitanyway wrote: »Today I was contacted by HR and my 4 day a week is now agreed ON A PERMANENT BASIS and I only have to go into the office 2 of those 4 days. SO HAPPY.
I don’t mind the decrease in income. I don’t mind that I won’t be able to do as much on the house or do it as quickly. Thanks to this community here I have acquired the skills in frugality I need to manage with less money.
Thanks to everyone for listening to my moaning and supporting me :T
Fantastic news DIA :j xx0 -
Thanks Purplemum and Beanie
Well today nothing on my list done as it was pouring down and the drudge work took ages.
Instead I returned all the bits and pieces to BnQ that the rubbish electrician would not do. Thought I could keep for next electrician but I didn't. Can always get again. I don't want to store things.
I got a text from the lady decorator to see if she can come and see the room at short notice, so I said yes. She came. I really like her. I hope she gives me a fair quote. I'll know in the next few days.
I need to bite the bullet and get some window quotes. Scared as it is a big job, not so much the money just afraid in case it goes wrong and anxious about having a team of double glazing people in my home again treating me like an idiot...
Loving the 4 days this week. It means I only ever work today and tomorrow and then I have a break. Rinse and repeat
I hope your day went well readerIf 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 0/2000 -
Just catching up on your news , 4 day week fantastic. I love my 4 day week, even if it is for the benefit of the DGD . One day it will be for my benefit. My son has also applied to do a 9 day fortnight as he travels a distance to work and that has been approved .
Lady decorator , hope she turns up trumps with a good quote. You are so good with tradespeople now .0 -
Glad that you liked the lady decorator & hope that you get a fair quote.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.0 -
Cumbria_lass wrote: »Just catching up on your news , 4 day week fantastic. I love my 4 day week, even if it is for the benefit of the DGD . One day it will be for my benefit. My son has also applied to do a 9 day fortnight as he travels a distance to work and that has been approved .
Lady decorator , hope she turns up trumps with a good quote. You are so good with tradespeople now .Glad that you liked the lady decorator & hope that you get a fair quote.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 0/2000 -
I bought some sale clothes today as the dress I bought was between sizes. I now realise now that I am debt free I can shop differently. Buying several items has pushed me over the barrier for free deliveries too.:money:
I can buy several sizes and see if they fit. I can try styles out. I can send back what doesn’t work. To do this I need money in my budget to allow me to maximise on bargains/sale items by buying several items and not worrying that doing so will push me into overdraft. Because I am home more I am likely to be in for deliveries too. I am thankful I can do shop this way now. I can also see why high streets are suffering. This way of shopping is way nicer...
Today I will be WFH
My frog today is to phone a company to get a window quote and decide whether to use the people I used before. In one way ‘better the devil you know’ but then again, why should I give my hard earned money to devils??
Wishing you all a good ending to your weekIf 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 0/2000 -
Congratulations DIA on your four day week and finding a female decorator.
Things are sounding so positive for you now, onwards and upwards.
Tink xxAs of 31st December 2018 Total Debt = £15837.59
DEBT 1 - £41.10 DEBT 2 - £257.41 DEBT 3 - £584.12 DEBT 4 - £700.00
DEBT 5 - £655.02 DEBT 6 - £669.18 DEBT 7 - £3448.00 DEBT 8 - £2169.12
DEBT 9 - £2964.25 DEBT 10 - £4349.390 -
Hi DIA - I've been out of action for a few days and came back to see your lovely news! Well done on persevering on the 4-day working week. It'll be magnificent to have that extra day to just relax and have as your own.
You're doing so well with getting your house in order, even if it is going more slowly than you'd like. I hope the female decorator lives up to your needs and gives you a good quote for the works. Long may the positivity continue!Sealed Pot Challenge 075
Pay off by Xmas 2019 #02 - target £10,0000 -
Have you eaten your frog yet?:p
I have done mine!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.0
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