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  • FIRST POST
    • parsniphead
    • By parsniphead 5th Jun 16, 4:45 PM
    • 2,547Posts
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    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 57
    • Cherryfudge
    • By Cherryfudge 10th Apr 18, 11:38 PM
    • 2,191 Posts
    • 12,922 Thanks
    Cherryfudge
    It's wonderful what a fresh vision does for motivation. Your friend's house sounds lovely.

    Keep on keeping on, as they say. Maybe take a few 'before' photos so you can look back and see the progress you're making. That goes for both the house and you . I took the 'before' photo then lost some weight but now the weight is creeping back and I've lost the photo.

    Lovely to see all this enthusiasm, can you go on spreading it around you and maybe I will catch the decluttering bug properly? The house is really getting me down but I have to focus a lot or the magnitude of the task overwhelms me.
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • parsniphead
    • By parsniphead 11th Apr 18, 5:19 PM
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    parsniphead
    Well today had been an eye opener.

    I have been to the house of an aquaintence to fit an alteration. I have known this person for a long time and had a very set image of their home in my imagination, think traditional and spotless. I hate to say this but

    OMG

    Excuse my language, but what a bl00dy sh%#hole. The whole house was like a tip.

    I'll tell you something but it takes a lot for me to walk back into my house and think its not too bad compared to what I've just seen.

    Its another boost to keep me going. I would rather have mine to sort out than that one.

    I do have some very bad areas which are going to take a LOT of work but I have some cleared areas, thank goodness.

    Its amazing how the strangest thing can change your perception of what is true and what's not.

    Have a great day 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%
    • abba1772
    • By abba1772 11th Apr 18, 8:46 PM
    • 5,397 Posts
    • 20,288 Thanks
    abba1772
    It's funny how we have a image of someone's personal space with how some people carry themselves.......I've had a few shockers myself xx
    NEXT TARGET VERY WAS Dec 18 591.94 NOW 0
    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 12917.09
    • Cherryfudge
    • By Cherryfudge 11th Apr 18, 11:24 PM
    • 2,191 Posts
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    Cherryfudge
    It was probably a huge contrast to the lovely house you went to the other day - well, guess which one you are getting more like!

    Cleared areas make a difference, don't they. Just one pretty surface makes me feel better about a room.

    My decluttering is inching along - a bag of books has gone today then I found a couple more to go this evening, plus some clothes I don't think I want any more, and another fat handful of papers.
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • parsniphead
    • By parsniphead 12th Apr 18, 10:04 AM
    • 2,547 Posts
    • 16,377 Thanks
    parsniphead
    A complete contrast. Totally then other end of the scale.

    I'm still feeling positive about the challenge ahead. It is a challenge but I now know its achievable. I'm a very visual learner so I needed to see that house to understand.

    I have a few things to do with the small person today then a bit more throwing out. I do have to admit though the 15 bin bag challenge has failed so far, mainly because I've lost the bin bags.

    Right off I go. Have a good day all. 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%
    • redofromstart
    • By redofromstart 12th Apr 18, 10:50 AM
    • 2,061 Posts
    • 12,815 Thanks
    redofromstart
    I do have to admit though the 15 bin bag challenge has failed so far, mainly because I've lost the bin bags.
    Originally posted by parsniphead
    That is so me, really made me laugh. I'd best get looking for mine too
    • doingitanyway
    • By doingitanyway 12th Apr 18, 8:04 PM
    • 3,722 Posts
    • 20,926 Thanks
    doingitanyway
    Well you've had both the carrot and stick as motivators so either or both should work.
    You are sounding motivated
    15 bags seems like an awful lot?
    Emergency fund 127/1000
    NSD December 5/31 AFD 2/10, SFD 0/10
    IF NOT NOW THEN WHEN
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th Apr 18, 9:08 PM
    • 6,475 Posts
    • 46,952 Thanks
    HairyHandofDartmoor
    Good luck Parsnip you can do it . (If you can't find the bin liners buy new ones).
    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.
    EMERGENCY FUND = 17
    "Tough times never last, but tough people do" - Robert H Schuller
    • parsniphead
    • By parsniphead 12th Apr 18, 9:22 PM
    • 2,547 Posts
    • 16,377 Thanks
    parsniphead
    That is so me, really made me laugh. I'd best get looking for mine too
    Originally posted by redofromstart
    Found em. Took most of the day to track them down while decluttering.

    Well you've had both the carrot and stick as motivators so either or both should work.
    You are sounding motivated
    15 bags seems like an awful lot?
    Originally posted by doingitanyway
    I'm very motivated at the moment. Fifteen bags is a lot but I have a lot to get rid of. Definitely more than fifteen bags worth.

    Well its been a busy old day. Most importantly I managed to do a major declutter of DS's hair. Its been weeks in the persuading. He know longer looks like Wurzel Gummage.

    Apart from that and a bit of sewing I have focussed on decluttering the sewing room. This has been ongoing for a long time but today I have made a difference. I have lots left to do but hopefully I can get it done in a couple of days. Once its done the bay roof can be sorted, repairs can be done and I can start thinking about redecoration.

    The kitchen is a future project as its from early 60's and has nearly fallen apart. Just bits of it left. I have a bit of decluttering to do but a day maximum should do it.

    Again the bedroom would take half a day decluttering then on to repairs and redecoration, including finishing painting the ceiling i started 14 years ago.

    There is a cupboard in the bedroom but that's a big project and could take a day or two. Its one of my bad hotspots.

    The bathroom needs a new basin and complete redecoration. I guess this could be achieved quite quickly. Apart from old potions there is not much to declutter here.

    The sitting room needs a big redecoration, a bit of decluttering and some dressing. Prior to all that a good dust and polish will help. Oh and the carpet needs visiting by the rug doctor again.

    The cellar.......HELP.......its full of junk. Its going to be a big job but needs sorting. Luckily all junk has gone here and there is nothing in my loft.

    The garden sheds (I have three) need decluttering too. So much carp to get rid off. I think I will he to know the tip folks very well.

    DS's bedroom......always an ongoing job but its getting better. Well for now.

    The spare room. This is another massive job. Definitely two or three days at least. Some of DS's old toys are in here too. I'm getting better at getting rid of his stuff but still find it hard.

    Regarding decorating the whole house needs doing but the windows and rewiring need doing first.

    Finally the for don't and back garden needs some work. This is an enjoyable job really and will provide some relaxing downtime from the house stuff. It will be interesting to see what happens this year now the big conifer has been chopped.

    The main positive from this week is I can see a difference. I can see others would have much more to do if they wanted too, so I'm lucky really and with some work I can achieve what I want.

    Anyway time to get the small person to bed. He's had a late night tonight which is unusual but once in a while won't hurt him.

    Have a fab night and a great Friday. 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%
    • doingitanyway
    • By doingitanyway 12th Apr 18, 9:25 PM
    • 3,722 Posts
    • 20,926 Thanks
    doingitanyway
    The main positive from this week is I can see a difference. I can see others would have much more to do if they wanted too, so I'm lucky really and with some work I can achieve what I want.
    Originally posted by parsniphead
    Go Parsniphead
    Emergency fund 127/1000
    NSD December 5/31 AFD 2/10, SFD 0/10
    IF NOT NOW THEN WHEN
    • Cherryfudge
    • By Cherryfudge 13th Apr 18, 12:24 AM
    • 2,191 Posts
    • 12,922 Thanks
    Cherryfudge
    That sounds as though the progress is gathering momentum! Go you!
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • parsniphead
    • By parsniphead 14th Apr 18, 9:11 AM
    • 2,547 Posts
    • 16,377 Thanks
    parsniphead
    It is slowly cherryfudge although yesterday I did nothing except clear one small patch of garden.

    Today I need to get some more stuff done and ring around some roofers.

    Hopefully I will be back later with a proper update.
    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 14th Apr 18, 9:47 AM
    • 2,191 Posts
    • 12,922 Thanks
    Cherryfudge
    The big advantage of clearing now is of course getting a head start before things start growing too much! The warmth after all the rain sent my grass into overdrive recently but I keep admiring the patch of garden I cleared recently, it does make a difference.

    Hope you find some good roofers, I know some people put messages round on social media asking for recommendations.
    MFW #30 Paid off 3,942.07/3000 as of 3/12/18
    • abba1772
    • By abba1772 14th Apr 18, 2:26 PM
    • 5,397 Posts
    • 20,288 Thanks
    abba1772
    Glad to see you're seeing a difference parsnip xx
    NEXT TARGET VERY WAS Dec 18 591.94 NOW 0
    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 12917.09
    • doingitanyway
    • By doingitanyway 14th Apr 18, 7:34 PM
    • 3,722 Posts
    • 20,926 Thanks
    doingitanyway
    Good luck with the roofers Parsniphead. I am making progress with roofers, albeit one step forward and one step back.
    Emergency fund 127/1000
    NSD December 5/31 AFD 2/10, SFD 0/10
    IF NOT NOW THEN WHEN
    • parsniphead
    • By parsniphead 15th Apr 18, 9:47 AM
    • 2,547 Posts
    • 16,377 Thanks
    parsniphead
    Wasn't yesterday such a lovely day. I do love it when the sun shines. I did spend most of it entertaining DS spending some time at the local small airport watching the light aircraft and eating chips. Later we had some time at a garden centre and he had a play on the climbing frames.

    Later we planted four rows of peas in the small cleared patch. Moved the swing and then spent an hour throwing a space hopper at one another. Its wild at my house. My goodness, we were both very dirty by the end of the day.

    Today I need to get some more throwing out done, even if its only for an hour. I do find when I have a massive clear out like I did a couple of days ago, I'm pooped for a couple of days. I need to keep the ball rolling.

    I've been trying to follow the D@ve Ramsey plan which has been up and down. Just keeping the 1000 emergency fund is something I've struggled with. Well I realised last night I have had the emergency fund for a while and I've been hitting baby step two hard. Woo hoo, I'm now officially in baby step two. I really can't wait for payday to he rid of a bit more. I'm currently ahead of where I planned to be so all is good. I just need to keep on top of getting impatient as this is where I fall down.

    Right I need to get on and he the last of the washing in.

    Have a good day all. 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%
    • doingitanyway
    • By doingitanyway 15th Apr 18, 11:29 AM
    • 3,722 Posts
    • 20,926 Thanks
    doingitanyway
    Well done for achieving Dave's baby step 1 and being well into baby step 2.

    I don't have an emergency fund still and your post reminded me. My summer school teaching will create this fund so it will be in place by the end of July. Do you keep yours in a separate account? It will make working after work over the Summer easier as I'll know it is creating an emergency fund

    Time with DS yesterday has done you good as you sound very positive
    Emergency fund 127/1000
    NSD December 5/31 AFD 2/10, SFD 0/10
    IF NOT NOW THEN WHEN
    • parsniphead
    • By parsniphead 15th Apr 18, 11:39 AM
    • 2,547 Posts
    • 16,377 Thanks
    parsniphead
    It's not in a separate account yet. It needs to be transferred or I will chip away at it. Thanks for the reminder.

    I have a lot of dressmaking coming in at the moment so that will all go towards the debt.

    I'm feeling very positive and motivated at the moment.
    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 15th Apr 18, 11:54 AM
    • 3,722 Posts
    • 20,926 Thanks
    doingitanyway

    I'm feeling very positive and motivated at the moment.
    Originally posted by parsniphead
    This is fantastic to read
    Emergency fund 127/1000
    NSD December 5/31 AFD 2/10, SFD 0/10
    IF NOT NOW THEN WHEN
    • parsniphead
    • By parsniphead 15th Apr 18, 1:09 PM
    • 2,547 Posts
    • 16,377 Thanks
    parsniphead
    Sorry. Mrs all or nothing again.

    I've realised a lot of my MSE habits have slipped. I used to do a budget and meal plans. Both of these are no longer and I need to do them again. My spending is getting a bit loose and I need to sort the food as its completely out of control and excess spending is going on all over, especially the take always, which I don't particularly like.

    I think a read of the frugal liviing challenge is in order and some time completing Everydollar again.

    Gonna kill you debt.
    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%
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