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  • FIRST POST
    • parsniphead
    • By parsniphead 5th Jun 16, 4:45 PM
    • 2,458Posts
    • 15,638Thanks
    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 53
    • doingitanyway
    • By doingitanyway 3rd Mar 18, 7:51 AM
    • 3,033 Posts
    • 15,036 Thanks
    doingitanyway
    Are you sorted out now pasrniphead?
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • in need of direction
    • By in need of direction 3rd Mar 18, 9:19 AM
    • 5,002 Posts
    • 28,795 Thanks
    in need of direction
    Your practical abilities never cease to amaze me.
    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.
    • abba1772
    • By abba1772 3rd Mar 18, 2:01 PM
    • 4,737 Posts
    • 16,287 Thanks
    abba1772
    Go you superwoman who needs a plumber well done 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 4th Mar 18, 5:05 PM
    • 2,458 Posts
    • 15,638 Thanks
    parsniphead
    Well some good has come from being in debt. I would LOVE to be able to just call folks out to do it all though.

    It's all sorted now. Wonder what will happen next week?
    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 4th Mar 18, 5:29 PM
    • 4,737 Posts
    • 16,287 Thanks
    abba1772
    Well some good has come from being in debt. I would LOVE to be able to just call folks out to do it all though.

    It's all sorted now. Wonder what will happen next week?
    Originally posted by parsniphead
    Nothing ........positive thoughts parsniphead
    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
    • doingitanyway
    • By doingitanyway 4th Mar 18, 6:37 PM
    • 3,033 Posts
    • 15,036 Thanks
    doingitanyway
    Next week? Good things next week Parsniphead
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • parsniphead
    • By parsniphead 9th Mar 18, 10:31 AM
    • 2,458 Posts
    • 15,638 Thanks
    parsniphead
    Sorry for abandoning you so much lately. I have nothing to say really. I need to find some money saving mojo.

    I did hear a colleague discussing her new Windows lately and realised I'm a long way away from being able to afford them. I guess I need a challenge to be able to get them. I will have a ponder.

    I hope to be back soon with a bit more sparkle. 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 9th Mar 18, 11:09 AM
    • 1,682 Posts
    • 10,100 Thanks
    redofromstart
    good to see you posting PH, hope your mojo comes back soon - I miss your posts.
    • Cherryfudge
    • By Cherryfudge 9th Mar 18, 12:58 PM
    • 1,706 Posts
    • 9,199 Thanks
    Cherryfudge
    I tried googling 'win new windows' for you but no luck so far. Still, it might be worth a try.
    MFW #30 Paid off 1,622.77/3770 as of 4/5/18
    • doingitanyway
    • By doingitanyway 9th Mar 18, 6:58 PM
    • 3,033 Posts
    • 15,036 Thanks
    doingitanyway
    It is good to take a break sometimes parsniphead

    Have a good weekend
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • in need of direction
    • By in need of direction 9th Mar 18, 10:38 PM
    • 5,002 Posts
    • 28,795 Thanks
    in need of direction
    Do you know how they are paying for those new windows?
    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.
    • Chrystal
    • By Chrystal 10th Mar 18, 12:42 PM
    • 263 Posts
    • 1,713 Thanks
    Chrystal
    Hi PH glad to see you posting.

    Is it possible to do the windows 1 or 2 at a time? It would let you focus on the room that's had the window done and get it sorted whilst saving for the next one.

    Take care ((hugs)) X
    GC. Oct.17 = 261.18/ 300 = + 38.82 NSDs 20/31
    GC. Sept.17 = 354.89/300 = - 54.39

    • doingitanyway
    • By doingitanyway 10th Mar 18, 12:50 PM
    • 3,033 Posts
    • 15,036 Thanks
    doingitanyway
    Is it possible to do the windows 1 or 2 at a time? It would let you focus on the room that's had the window done and get it sorted whilst saving for the next one.
    Originally posted by Chrystal
    This is exactly my plan. I think it is a good one parsniphead
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • parsniphead
    • By parsniphead 17th Mar 18, 1:08 AM
    • 2,458 Posts
    • 15,638 Thanks
    parsniphead
    I can't sleep. I just need to get stuff of my chest.

    Dissatisfaction in life leads me down some very strange and crazy roads. It always leaves me feeling like I've been beaten, heartbroken and grieving. If you go looking for something it seems unhappiness turns up and destroys any joy. I went looking and found what I didn't want to. I found reality.

    I've got to come back from my strange fantasy land and live again. Not as before. Not just existing, but living, really living.

    Who knows how much time we have left. I'm just sick of being a non existant half person. I have to find the strength and guts to be the real me. I have to stop being scared all the time. I have to stop wanting what I can't have and deal with what I do have. But I want so much to be ................

    What will be will be. Even if it hurts. Nothing really exists.

    Sorry for such a strange post. My head has been away recently to another place. I want to be back in a better place.
    Last edited by parsniphead; 17-03-2018 at 1:11 AM.
    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
    • parsniphead
    • By parsniphead 17th Mar 18, 8:10 AM
    • 2,458 Posts
    • 15,638 Thanks
    parsniphead
    Goodness. I was in a dark place last night. Sorry about that. Moods, pain and longterm insomnia thing.

    This morning I'm in a real f*#k it mood. A come on world, just try to take me on. I'll kick your backside thing.

    It's going to be a bumpy day and God help anyone who starts.

    Time to start stuffing down those frogs. I need to contact a builder as the bay roof is unfortunately kn@ckered and the house has so much broken guttering. I sill no longer live in this mess.

    I HAVE HAD ENOUGH.
    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 17th Mar 18, 8:37 AM
    • 1,682 Posts
    • 10,100 Thanks
    redofromstart
    Oh Parsniphead, I am glad you posted again and are brighter this morning.

    I am finding that fighting my 'demons' with action is helping a little hence my current push on clearing and cleaning. Still get the black dooms but I am chipping away at it..
    • Cherryfudge
    • By Cherryfudge 17th Mar 18, 2:04 PM
    • 1,706 Posts
    • 9,199 Thanks
    Cherryfudge
    Good to hear from you Parsnip though sorry you are struggling so much. Insomnia alone is enough to make life much harder. It may be worth talking it through with a doctor (finding the right one makes all the difference) in case they can suggest anything, as can talking it through with yourself as if you were advising someone else.

    I call those little actions that help me 'loving my future self'. I haven't by any means got there yet but any choice I make can be a building block for a better future. Also don't neglect to celebrate what you achieve, whether it's phoning the builder or not eating a non-health-building piece of food. While your focus is split between 'mess' and fantasy, there's little incentive to come into the real world. Perhaps you could start with one corner of your home and work outwards from there, getting it more as you want it. Then when you feel you aren't getting anywhere, turn and look into that part of the house and know that you are creating your real life and it's solid and tangible.

    Hope today goes better for you - frogs watch out! xx
    MFW #30 Paid off 1,622.77/3770 as of 4/5/18
    • parsniphead
    • By parsniphead 17th Mar 18, 8:22 PM
    • 2,458 Posts
    • 15,638 Thanks
    parsniphead
    Thank you redo and cherry.

    Its been a very funny (not ha ha) few months and its far from over. Today I decided to spend time catching up on diaries on here. Its something which always makes me feel so much more positive.

    Much more time has been spent today facing up to real life and not skiving off elsewhere, to a place I can't go to without a time machine.

    Once DS is asleep tonight I'm going to do some in depth planning and try to find some more focus again. Time to start acting like an adult.

    Yesterday DH and I had a conversation about the house and jobs which need doing. It was initiated by him which was a surprise as he is generally a 'oh its OK' sort of person. I'm really lucky to have him and feel guilty about recent thoughts about the marriage and our future. That's another story though.

    I guess as an introverted person I have never really lived life to the full and being around teenagers all day with there futures ahead of them has been knowing at me recently. Oh for that time machine.

    Anyway what do I do. Spend the rest of my life pondering a past which can't be changed or make the bl00dy best of the moments I have left. Its a no brainer really isn't it?

    Challenges ahead

    My health and fitness - very poor at the moment
    The house - decluttering, refurb and redecoration needed
    Me - needs doing up too.
    Debt - needs to go asap
    Mortgage - after the debt the mortgage has it coming
    Time - I need to find time to just be me
    Business - keep plodding and increasing income
    Job - keep going to keep the money coming it and see what comes up.

    Oh and I need to get back to the MSE posting habit to keep me focussed. I will do this each morning where possible.

    Right my tablet is about to die. Night all and thank you xxx
    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 17th Mar 18, 8:47 PM
    • 3,033 Posts
    • 15,036 Thanks
    doingitanyway
    Hugs to you Parsniphead. I think you had what I call 'a dark night of the soul' You have emerged stronger and more focused so it isn't a bad thing.

    I find inspiration from your honesty. I also think the way you turn your hand to things in the home is admirable.

    I have learnt so much from your posts.

    Take care
    DIA x
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Cherryfudge
    • By Cherryfudge 17th Mar 18, 8:54 PM
    • 1,706 Posts
    • 9,199 Thanks
    Cherryfudge
    All any of us have is today, parsnip... we have memories and dreams but anything you can do to make each day a little better will help enormously in the long term.

    It sounds as though you are going through a really difficult spell at the moment. Hopefully the tide is about to turn on that. Keep posting: we really like to hear from you!

    Having teenagers around with everything ahead of them is a very challenging time - I would have run off to Uni to join them given half a chance! Don't underestimate all the things you've learned since you were a teenager, though, or the life experiences you've had. It IS a time of great change and it can be hard to see it happening but there is life on the other side.

    Hope you and your DH can find a positive and achievable way forward xx
    MFW #30 Paid off 1,622.77/3770 as of 4/5/18
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