The end of procrastination and disorganisation.......

parsniphead wrote: »

AN UPDATE AND CONCLUTIONS

This may be a long post. Just me pondering on what I have achieved/planned to achieve.

Anyway earlier this month I decided to hit the emergency fund and debt as hard as I can, with the crazy possibility of paying off all my debt and having an emergency fund before I return to work on 21st August. It's been up and down so far. My list is barely touched due to the amount of sewing work to do. This is good but I feel frustrated about the state of the house still. I'm planning to spend time in the hall today so that I can stain it after DS goes to bed tonight.

The debt is plodding along. I have paid slightly more than the minimum which is not what I wanted but it's in the right direction. Also when I have more money in at the end of this week off the debt it will go. Lots more work to do here though.

The emergency fund is now at £500. :j I do plan to increase this up to the full £1000 over the next couple of months but I'm absolutely chuffed to bits with this.:D

I have four more weeks to continue to try and hit my target or make as big a dent as I can. :T

Now the conclutions part relates to a book I have been reading lately. I can remember the title or author of the top of my head but one particular part of it rang true yesterday. She talked about when she wanted a car. She had looked at a sensible and affordable Honda or a sporty Audi convertible. She test drove them both and new the Honda was the right choice but REALLY, REALLY wanted the Audi. Anyway she brought the Audi. Then she said she became proactive In finding ways to make money to pay it of and that if she had the Honda she would have just plodded along and not found that motivation. What came to mind with me is EXPECTATION. I'm in the mindset often that I will always be skint and never have the nice things I want. My head says I shouldn't have them because I can't afford them and I have no right to them. If I expect to be skint I will be but if I expect more I will find ways to achieve what I want.

IM NOT GOING TO GO ON A SPENDING SPREE BY THE WAY.

But what's wrong with expecting a decent standard of living and being active to go out and achieve that. You see over the past 15 yrs (that's a long time) I have cut so far I don't often have the basics. What most people would say is the bare minimum. I feel like I have spent most of my thirties and half my fourties with completely the wrong mindset. I have wondered around looking like someone who, quite frankly, is in abject poverty. Why? I'm a dress maker. Market fabric is cheap. No reason to look like a hobo.

Anyway this has also led, I believe, to me not looking after my home as well as myself. Things have broke, become tatty and unuseable and the structure is even beginning to deteriorate. I now have a leak in my bay roof. Also the tree very close to the house is looking decidedly dodgy. I dread every storm. I can't carry on like this. The roof needs fixing, the tree needs felling and the woodworm could have been treated simply months ago. I now have a bigger job to do. :mad:

I don't want to be scared any more to face these issues. I have to focus on that I deserve a better standard of living and so does my family.

So on top of the money challenge I pledge to get this whole house decluttered by my birthday in October.

Every week I will pledge to repair something, such as the door which has come of a cabinet.

I will find the money for the roof repair and tree felling.

I will have the home and life I deserve.

I'm sorry to go on but something has changed in my mind and I want to keep it there.

Look after yourselves people and find a way.