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  • FIRST POST
    • parsniphead
    • By parsniphead 5th Jun 16, 4:45 PM
    • 2,467Posts
    • 15,693Thanks
    parsniphead
    The end of procrastination and disorganisation.......
    • #1
    • 5th Jun 16, 4:45 PM
    The end of procrastination and disorganisation....... 5th Jun 16 at 4:45 PM
    .............and the above are the reasons for virtually all of my problems in the past and present, be it debt, weight, careers and the state of the house.

    I have plans, big plans which I don't have time to pop on here right now, but I intend to use this diary to sort me out once and for all.

    It's going to be fun.....a real step into the unknown.

    I can't wait.
    My mini challenge: pay off MBNA by 31/08/18. 53.10/502 10.57%
    Total outstanding consumer debt - 53.10/ 7864.52
    Without ambition one starts nothing. Without work one finishes nothing. The prize will not be sent to you. You have to win it. -Ralph Waldo Emerson
Page 44
    • redofromstart
    • By redofromstart 2nd Dec 17, 12:39 PM
    • 1,686 Posts
    • 10,127 Thanks
    redofromstart
    Great to see you posting again.
    • Chrystal
    • By Chrystal 2nd Dec 17, 1:25 PM
    • 269 Posts
    • 1,752 Thanks
    Chrystal
    Hi PH lovely to see you again! X
    GC. Oct.17 = 261.18/ 300 = + 38.82 NSDs 20/31
    GC. Sept.17 = 354.89/300 = - 54.39

    • abba1772
    • By abba1772 2nd Dec 17, 4:38 PM
    • 4,739 Posts
    • 16,297 Thanks
    abba1772
    Glad you're back xx
    NEXT TARGET HALIFAX CC WAS July 17 3572.57 NOW 983.26
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 4152.74
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 2nd Dec 17, 8:49 PM
    • 4,193 Posts
    • 28,566 Thanks
    HairyHandofDartmoor
    Glad you're back . Let us know how you're getting on now and what your new challenges are.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    Emergency Fund 1 = 560.59/Emergency Fund 2 = 0.21/Loss of Income Fund 0
    • parsniphead
    • By parsniphead 3rd Dec 17, 9:47 AM
    • 2,467 Posts
    • 15,693 Thanks
    parsniphead
    Thank you all so such for the welcome back. I have missed you all.

    After months of chronic insomnia with mostly two hours sleep per night I had over 7 hours last night and have woken feeling like I could conquer the world. It feels so good after feeling so worn out and poorly for such a long time. Its a good job really with the dry washing mountain to be put away.

    This morning I have tidied, done washing, sorted bins and prepped the lunch. Its been a while since I have been so proactive.

    We are so close to Christmas and with so much to do I have decided to give myself a break. There is absolutely no way I will be able to declutter everything by Christmas so I have given up on that idea. I will continue ploughing away at it but won't be beating myself up about what's not been achieved. Phew, its a relief really as I have been very stressed about it all.

    I'm still working on looking after myself. I have kept up with the new skincare regime and the new eating plan is working as I've dropped nearly a stone.. There is still plenty to go though.. Today I'm starting on upping the water intake which always makes me feel good. I also need to find some sort of exercise to do which I enjoy.

    Money. Well I still have the PPI money for windows and need to start researching after Christmas. I'm not looking forward to this as its such a
    big decision. The debts are also still there and I need to refocus in the new year especially with everything seemly to be getting so much more expensive. My Ald1 shop has risen quite a lot and I'm feeling a bit worried about costs in the near future. It looks like a garden grown diet is going to be primary.

    I need to get on now. I hope you are all OK and have a good weekend.

    P x
    My mini challenge: pay off MBNA by 31/08/18. 53.10/502 10.57%
    Total outstanding consumer debt - 53.10/ 7864.52
    Without ambition one starts nothing. Without work one finishes nothing. The prize will not be sent to you. You have to win it. -Ralph Waldo Emerson
    • in need of direction
    • By in need of direction 3rd Dec 17, 11:39 AM
    • 5,011 Posts
    • 28,865 Thanks
    in need of direction
    Loving both the sig and the sentiments. I've had to accept that my year end targets won't be achieved but, we're both still moving in the right direction and that's what we need to focus on. I'm glad you're back.
    Mortgage at 01.01.14 119,481.83 today 75,897.72, target 65,000 by 31/12/18 Offset fund today 227.27 target 5,500 by 31/12/18
    Emergency fund 0.7/5.5k & 200/200 cash.
    Current weight loss RUBBISH need to refocus
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 3rd Dec 17, 11:44 AM
    • 4,193 Posts
    • 28,566 Thanks
    HairyHandofDartmoor
    You sound like you're getting yourself into a really good place right now .

    It's sensible not to set your de-cluttering target too high before Christmas. Set yourself small achievable goals with the de-cluttering.

    And well done on the weight loss .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    Emergency Fund 1 = 560.59/Emergency Fund 2 = 0.21/Loss of Income Fund 0
    • Cherryfudge
    • By Cherryfudge 3rd Dec 17, 12:29 PM
    • 1,711 Posts
    • 9,251 Thanks
    Cherryfudge
    Lovely to have you back and Wow! to the weight loss!

    I was concerned when you were quiet for so long but obviously a lot's been going on and even the usual pressures of life take a toll, without any extras. So go on being good to yourself.

    I will save you having to catch up on my diary - lots of bits of Christmas shopping, not on top of it at all, doing too much, paid a bit more off the mortgage. So no change really.

    The home grown garden will be good - mine has gone to rack and ruin because I spend so little time there. Maybe yours will spur me on!
    • abba1772
    • By abba1772 3rd Dec 17, 2:15 PM
    • 4,739 Posts
    • 16,297 Thanks
    abba1772
    It's amazing what a good nights sleep can achieve xx

    Wow to the weight loss that's amazing well done
    NEXT TARGET HALIFAX CC WAS July 17 3572.57 NOW 983.26
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 4152.74
    • parsniphead
    • By parsniphead 6th Dec 17, 7:43 AM
    • 2,467 Posts
    • 15,693 Thanks
    parsniphead
    Thank you all.

    Well after one nights sleep I'm back to hardly any. Boo hiss. Anyway I'm not going to let it get me down. Today I'm determined to get ahead of myself. Ive already started on the kitchen and I'm on the second load of washing. THE WASHING WILL BE UP TO DATE TODAY.

    I have some bits of Christmas shopping to finish and need to crack on with the stuff I'm making. A good day of solid hard work should bring some peace of mind. I have never been so being with Christmas shopping, even when I was properly skint. I don't like it.

    I will be back later with a proper update not done on my phone. Have a fab day.
    My mini challenge: pay off MBNA by 31/08/18. 53.10/502 10.57%
    Total outstanding consumer debt - 53.10/ 7864.52
    Without ambition one starts nothing. Without work one finishes nothing. The prize will not be sent to you. You have to win it. -Ralph Waldo Emerson
    • abba1772
    • By abba1772 6th Dec 17, 8:22 AM
    • 4,739 Posts
    • 16,297 Thanks
    abba1772
    Can you come and do my washing please??? Xx
    NEXT TARGET HALIFAX CC WAS July 17 3572.57 NOW 983.26
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 4152.74
    • redofromstart
    • By redofromstart 6th Dec 17, 9:14 AM
    • 1,686 Posts
    • 10,127 Thanks
    redofromstart
    The washing is never ending isn't it?
    • parsniphead
    • By parsniphead 11th Dec 17, 8:59 AM
    • 2,467 Posts
    • 15,693 Thanks
    parsniphead
    Can you come and do my washing please??? Xx
    Originally posted by abba1772
    No

    The washing is never ending isn't it?
    Originally posted by redofromstart
    Yes

    Sorry, I'm very lazy with this diary at the moment.

    The washing is driving me mad. I used to be so organised but just can't get on top of it. Have two loads left for today so fingers crossed.

    I have an unplanned day of today as my work is closed,as is the nippers school. For goodness sake, my school never closed when I was a child. Not even for voting.

    I'm not going to plan too much for today, just see how it goes. I would like to get my Christmas cards written and dig out the car . Anything else will be a bonus and I promise to report back.

    Have a ggod day and keep warm.

    P x
    My mini challenge: pay off MBNA by 31/08/18. 53.10/502 10.57%
    Total outstanding consumer debt - 53.10/ 7864.52
    Without ambition one starts nothing. Without work one finishes nothing. The prize will not be sent to you. You have to win it. -Ralph Waldo Emerson
    • redofromstart
    • By redofromstart 11th Dec 17, 9:55 AM
    • 1,686 Posts
    • 10,127 Thanks
    redofromstart
    School is closed here, quite rightly so given that state of the roads. A few years ago the school bus skidded off the road (empty luckily) in the snow and they have been super cautious ever since.

    Hope you have a productive day!
    • abba1772
    • By abba1772 12th Dec 17, 10:04 AM
    • 4,739 Posts
    • 16,297 Thanks
    abba1772
    Did you manage to dig out the car????

    We dontave much in the line of snow up in sunny Scotland but everything is frozen it's like a skating rink xx
    NEXT TARGET HALIFAX CC WAS July 17 3572.57 NOW 983.26
    POAMAYC 2011 6382.66 POAMAYC 2012 5000.78
    POAMAYC 2013 3480.04 POAMAYC 2014 4085.14
    POAMAYC 2015 7565.24 POAMAYC 2016 8000.90
    POAMAYC 2017 7278.80 POAMAYC 2018 4152.74
    • parsniphead
    • By parsniphead 15th Dec 17, 7:10 PM
    • 2,467 Posts
    • 15,693 Thanks
    parsniphead
    That's horrible about the schoo bus. Very scary. Mostly walkers here and many parents wanted to help clear the playground. It was a nightmare trying to get DS back on Wednesday.

    Yes car was freed. We've had a big freeze over here today. I prefer snow to ice. You can throw snow.

    A colleague said today she had the decorators in (No silly jokes please) and something snapped in me. You know the I'VE HAD ENOUGH type snapping. I've come home and cleaned the kitchen, done washing, put away washing and thrown away all my pjs. I need to buy more or I will freeze.

    I think I may have lost it or its an end of the year thing but I cannot do this anymore. It's all got to go.

    I think I've found my mojo again.
    My mini challenge: pay off MBNA by 31/08/18. 53.10/502 10.57%
    Total outstanding consumer debt - 53.10/ 7864.52
    Without ambition one starts nothing. Without work one finishes nothing. The prize will not be sent to you. You have to win it. -Ralph Waldo Emerson
    • doingitanyway
    • By doingitanyway 15th Dec 17, 7:20 PM
    • 3,048 Posts
    • 15,114 Thanks
    doingitanyway
    So pleased your mojo is back
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Dec 17, 7:28 PM
    • 4,193 Posts
    • 28,566 Thanks
    HairyHandofDartmoor
    I think I've found my mojo again.
    Originally posted by parsniphead
    Hurrah Go for it, you can move mountains when you've got your mojo
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    Emergency Fund 1 = 560.59/Emergency Fund 2 = 0.21/Loss of Income Fund 0
    • parsniphead
    • By parsniphead 16th Dec 17, 3:52 PM
    • 2,467 Posts
    • 15,693 Thanks
    parsniphead
    Thanks both. I've been out today and forgotten to buy new PJs. it will be make do and mend again tonight.

    I'm very up and down at the moment so have ordered some supplements to try and help me level out my moods a bit. I also really need to look at my diet as its slipped again. Oh how I wish I was a good cook.

    I think from now on I will be setting myself one hour per work day to achieve as much as possible. No pressure but I need to move forward. Of course days off I will do as much as I can. Slowly I'm being more and more attracted to minimalism which is something I never though I would say.

    Tonight I'm going to focus on DS's clothes and clear out as much as I can, just leaving stuff which he can now fit into or isn't shabby. I may even look in my undies draw. I got new socks this week so the rest can go. Knickers next.

    Fingers crossed I will achieve whats needed next year.
    My mini challenge: pay off MBNA by 31/08/18. 53.10/502 10.57%
    Total outstanding consumer debt - 53.10/ 7864.52
    Without ambition one starts nothing. Without work one finishes nothing. The prize will not be sent to you. You have to win it. -Ralph Waldo Emerson
    • redofromstart
    • By redofromstart 16th Dec 17, 6:28 PM
    • 1,686 Posts
    • 10,127 Thanks
    redofromstart
    Can you make some? (I have no idea whatsoever how long sewing takes, so ignore me if this is a stupid and annoying question )

    I wish I could sew.
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