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  • FIRST POST
    • parsniphead
    • By parsniphead 5th Jun 16, 4:45 PM
    • 2,532Posts
    • 16,198Thanks
    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. £502/£502 100% (paid off 30/06/18 - 2 months early )
    Next small debt victim £20/£367 - you're going by 31/08/2018
    Total outstanding consumer debt - £735.68/ £7864.52 9.3%
Page 56
    • DrSpendLittle
    • By DrSpendLittle 5th Apr 18, 9:43 PM
    • 366 Posts
    • 1,263 Thanks
    DrSpendLittle
    Yay for Dave!! I too can spend a good hour watching his youtube videos. He keeps me on track and I think we need him over here, though some of us Brits may struggle with his strong conservative, gun totting, evangelical approach!! Martin Lewis should up his YouTube / radio game! He's missing a trick!
    Since 1st September 2017
    CC1: £paid off/£1,253.73 | CC2: £4,274.16/£9,124.15 | CC3: £paid off/£312.34 | Car Finance: £paid off/£1,894.92| Total Debt Repayments: £7,735.15/£12,585.14 (61.46%) | Outstanding Debt: £4,849.99 | House Move Fund: £0 / £4,000
    • parsniphead
    • By parsniphead 5th Apr 18, 11:32 PM
    • 2,532 Posts
    • 16,198 Thanks
    parsniphead
    Yay for Dave!! I too can spend a good hour watching his youtube videos. He keeps me on track and I think we need him over here, though some of us Brits may struggle with his strong conservative, gun totting, evangelical approach!! Martin Lewis should up his YouTube / radio game! He's missing a trick!
    Originally posted by DrSpendLittle
    I know what you mean. I struggle with that myself, especially the gun bit but I do like his straight to the point manner. He definitely calls a spade a spade.
    My mini challenge: pay off MBNA by 31/08/18. £502/£502 100% (paid off 30/06/18 - 2 months early )
    Next small debt victim £20/£367 - you're going by 31/08/2018
    Total outstanding consumer debt - £735.68/ £7864.52 9.3%
    • parsniphead
    • By parsniphead 5th Apr 18, 11:36 PM
    • 2,532 Posts
    • 16,198 Thanks
    parsniphead
    I agree re Dave.

    I used to fantasise about going out to America so I could do a debt free scream and answer 'better than I should be' when he asked 'how are you DIA?'

    Well done on getting rid of the high APR cards
    Originally posted by doingitanyway
    You could now DIA.

    I sometimes shout along with them when they do it, but do it with a strange southern twang.
    My mini challenge: pay off MBNA by 31/08/18. £502/£502 100% (paid off 30/06/18 - 2 months early )
    Next small debt victim £20/£367 - you're going by 31/08/2018
    Total outstanding consumer debt - £735.68/ £7864.52 9.3%
    • parsniphead
    • By parsniphead 8th Apr 18, 11:35 AM
    • 2,532 Posts
    • 16,198 Thanks
    parsniphead
    Back after a nice couple of days with norovirus. I will spare you the gory details.

    My v@nquis and !!!!ital one accounts now stand at zero. I do need to remember the v@ nquis one was transfered to t3sco and not paid off.

    I should have the next one paid off in three months. I'm getting rid of the small ones first to keep me motivated. The whole lot should be done in about 22 months.

    On monday I need to start ringing about getting the bay roof done. I keep putting it off so it needs to be done.

    Today is getting back on top of things after two days of nothing.

    Have a good day all. Xxx
    My mini challenge: pay off MBNA by 31/08/18. £502/£502 100% (paid off 30/06/18 - 2 months early )
    Next small debt victim £20/£367 - you're going by 31/08/2018
    Total outstanding consumer debt - £735.68/ £7864.52 9.3%
    • abba1772
    • By abba1772 8th Apr 18, 11:39 AM
    • 5,172 Posts
    • 18,398 Thanks
    abba1772
    Wow 22 months go parsniphead you can go it xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £2029.56
    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 £9087.72
    • Chrystal
    • By Chrystal 8th Apr 18, 1:13 PM
    • 414 Posts
    • 2,646 Thanks
    Chrystal
    You sound as though you're getting things under control again PH, and getting the bay roof sorted out will make a vast difference when it's raining and when winter comes round again

    Hope the norovirus is completely gone now - virus' tend to leave people knackered !

    22 months is not really a long time to be able to achieve your DFD - stay focused and soon all that money that's going to pay debts will be available for you to spend on your home. XX
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Apr 18, 2:22 PM
    • 4,873 Posts
    • 34,567 Thanks
    HairyHandofDartmoor
    I hope you've recovered from the norovirus Parsnip, that can't have been nice .

    I think you made the right call paying off the high interest card, I hate paying interest . Have you closed both accounts now?

    I agree about other people paying for their flashy lifestyles with credit. I'd rather have an old car that's paid for, than a showy car on high interest finance.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • doingitanyway
    • By doingitanyway 8th Apr 18, 4:17 PM
    • 3,304 Posts
    • 17,786 Thanks
    doingitanyway
    Glad you have recovered. To have your debt paid off in 22 months sounds very doable and I will be cheering you on.

    Do get the roof quoted for and we can both be done with it. I am waiting for my roofer to return from holidays. Hoping he is 'the one' as they say
    Emergency fund 500/1000
    If not now then when?
    • parsniphead
    • By parsniphead 8th Apr 18, 4:21 PM
    • 2,532 Posts
    • 16,198 Thanks
    parsniphead
    A quick one as I'm a soft play centre.

    I've just read an article on The Guardian about Antonio Banderas. At the end he said the following.

    ďI donít want to live my life like Iím already dead. Iím just going to live it, and if I die, I die.Ē


    Mmm. Almost like living with debt........

    Just a thought.
    My mini challenge: pay off MBNA by 31/08/18. £502/£502 100% (paid off 30/06/18 - 2 months early )
    Next small debt victim £20/£367 - you're going by 31/08/2018
    Total outstanding consumer debt - £735.68/ £7864.52 9.3%
    • Chrystal
    • By Chrystal 8th Apr 18, 4:26 PM
    • 414 Posts
    • 2,646 Thanks
    Chrystal
    A quick one as I'm a soft play centre.

    I've just read an article on The Guardian about Antonio Banderas. At the end he said the following.

    ďI donít want to live my life like Iím already dead. Iím just going to live it, and if I die, I die.Ē


    Mmm. Almost like living with debt........

    Just a thought.
    Originally posted by parsniphead
    Love it!! And love to be able to put it into practice - maybe I should see a hypnotist?
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • parsniphead
    • By parsniphead 8th Apr 18, 5:32 PM
    • 2,532 Posts
    • 16,198 Thanks
    parsniphead
    Love it!! And love to be able to put it into practice - maybe I should see a hypnotist?
    Originally posted by Chrystal
    Too right crystal. I would love to live that way all the time too but its not easy.


    Another one I do like is "you're a long time dead".

    Perhaps I may do something bto treat myself this week.
    My mini challenge: pay off MBNA by 31/08/18. £502/£502 100% (paid off 30/06/18 - 2 months early )
    Next small debt victim £20/£367 - you're going by 31/08/2018
    Total outstanding consumer debt - £735.68/ £7864.52 9.3%
    • doingitanyway
    • By doingitanyway 8th Apr 18, 6:03 PM
    • 3,304 Posts
    • 17,786 Thanks
    doingitanyway
    Another one I do like is "you're a long time dead".
    Perhaps I may do something bto treat myself this week.
    Originally posted by parsniphead
    Yes I love that too. I am really trying to live the life I want to NOW and not keep putting stuff off UNTIL I am slim, coupled, have more money, more time, have more energy...Blah, blah blah. Do, treat yourself. Why not. We really are a long time dead.

    Thanks for the reminder
    Emergency fund 500/1000
    If not now then when?
    • parsniphead
    • By parsniphead 8th Apr 18, 7:50 PM
    • 2,532 Posts
    • 16,198 Thanks
    parsniphead
    Yes I love that too. I am really trying to live the life I want to NOW and not keep putting stuff off UNTIL I am slim, coupled, have more money, more time, have more energy...Blah, blah blah. Do, treat yourself. Why not. We really are a long time dead.

    Thanks for the reminder
    Originally posted by doingitanyway
    I've been putting things off till I'm slim for years.......I'm still fat.
    My mini challenge: pay off MBNA by 31/08/18. £502/£502 100% (paid off 30/06/18 - 2 months early )
    Next small debt victim £20/£367 - you're going by 31/08/2018
    Total outstanding consumer debt - £735.68/ £7864.52 9.3%
    • Cherryfudge
    • By Cherryfudge 8th Apr 18, 10:00 PM
    • 1,950 Posts
    • 11,033 Thanks
    Cherryfudge
    Norovirus

    I think we might allow you a little time away from the forums for that. Great to see two cards gone even if some of the money has migrated elsewhere. Interest rates are the enemy!

    Do get the roof quoted for and we can both be done with it. I am waiting for my roofer to return from holidays. Hoping he is 'the one' as they say
    DIA, is this an new form of matchmaking I hadn't come across?
    MFW #30 Paid off £2,481.24/£3770 as of 4/8/18
    • doingitanyway
    • By doingitanyway 9th Apr 18, 11:21 AM
    • 3,304 Posts
    • 17,786 Thanks
    doingitanyway
    Norovirus

    I think we might allow you a little time away from the forums for that. Great to see two cards gone even if some of the money has migrated elsewhere. Interest rates are the enemy!

    DIA, is this an new form of matchmaking I hadn't come across?
    Originally posted by Cherryfudge
    Oh Cherryfudge a good roofer is way more important to me than a man right now. Sad but true
    Emergency fund 500/1000
    If not now then when?
    • parsniphead
    • By parsniphead 9th Apr 18, 12:18 PM
    • 2,532 Posts
    • 16,198 Thanks
    parsniphead
    Oh Cherryfudge a good roofer is way more important to me than a man right now. Sad but true
    Originally posted by doingitanyway
    Oh DIA. If any of the roofers I have dealt with are anything to go by I wouldn't expect "the one.

    Cheeky Cherryfudge.
    My mini challenge: pay off MBNA by 31/08/18. £502/£502 100% (paid off 30/06/18 - 2 months early )
    Next small debt victim £20/£367 - you're going by 31/08/2018
    Total outstanding consumer debt - £735.68/ £7864.52 9.3%
    • parsniphead
    • By parsniphead 10th Apr 18, 5:27 PM
    • 2,532 Posts
    • 16,198 Thanks
    parsniphead
    Its been of a bitty day for me wit not a lot achieved. I did have a mooch around Wr3n kitchens for a bit of a dream. Some nice ones but nothing I fell in love with.

    I have just come back from a friends house. She has been renovating it and I hadn't seen it since it was done. Wow wee. It was gorgeous. She has such a good eye and should be an interior designer rather than a teacher. I tell you, I have come back with a total bee in my bonet about getting my house done. After tea I will be in full on decluttering mode. I may ask to visit regularly for a regular kick up the bum. I also think I need plans for what I want when the big jobs are done. Sort of what the finished thing will look like.

    If only it would stop raining the garden could get some love too.

    Have a good evening all.
    My mini challenge: pay off MBNA by 31/08/18. £502/£502 100% (paid off 30/06/18 - 2 months early )
    Next small debt victim £20/£367 - you're going by 31/08/2018
    Total outstanding consumer debt - £735.68/ £7864.52 9.3%
    • doingitanyway
    • By doingitanyway 10th Apr 18, 5:43 PM
    • 3,304 Posts
    • 17,786 Thanks
    doingitanyway
    Sounds like your friend's home inspired you. I need to get to the Swedish store but still haven't made it despite my intentions...

    I'm with you with wanting this horrible wet weather gone so I can do some gardening. When will it dry out?

    Have a good evening ;0
    Emergency fund 500/1000
    If not now then when?
    • parsniphead
    • By parsniphead 10th Apr 18, 9:55 PM
    • 2,532 Posts
    • 16,198 Thanks
    parsniphead
    Sounds like your friend's home inspired you. I need to get to the Swedish store but still haven't made it despite my intentions...

    I'm with you with wanting this horrible wet weather gone so I can do some gardening. When will it dry out?

    Have a good evening ;0
    Originally posted by doingitanyway
    It feels like it will never dry out at the moment.

    My friends house is inspiring and we have similar taste, except she gets stuff done. After coming home i spent half an hour attacking the kitchen. I cleared the window ledge, cleaned it and arranged stuff back on there. It made such a difference. I'm going to get up early tomorrow and get some stuff done before DS gets up. If I could only get on top of the clutter it would almost be easy. It's definitely an on going process.

    I've also been looking at my diet. It's officially appaling. I really need to start focusing on what I eat rather than putting any old thing in my mouth.

    I had a doctor's appointment yesterday and while he typed up my notes i could see a red flash in the corner of the screen saying "Refer Mrs Parsnip to weight management". That was a kick in the b@lls. Well if I had any. I'm determined to go back and have lost a chunk of weight. Bl00dy cheeky.

    Right a bit of reading now and then bed.

    Night x
    My mini challenge: pay off MBNA by 31/08/18. £502/£502 100% (paid off 30/06/18 - 2 months early )
    Next small debt victim £20/£367 - you're going by 31/08/2018
    Total outstanding consumer debt - £735.68/ £7864.52 9.3%
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th Apr 18, 10:09 PM
    • 4,873 Posts
    • 34,567 Thanks
    HairyHandofDartmoor
    I have a vision of how I would like my house to look too, but it requires much de-cluttering, as well as new flooring, decorating and new furniture. I can't afford the other stuff, but I could de-clutter which would make the house look a whole lot better.

    If we do what we can, then the expensive stuff will be managed eventually hopefully. Healthy eating gives a lot more energy which could be used for de-cluttering and a good side effect will be weight loss .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
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