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  • FIRST POST
    • parsniphead
    • By parsniphead 5th Jun 16, 4:45 PM
    • 2,530Posts
    • 16,193Thanks
    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 58
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Apr 18, 1:58 PM
    • 4,824 Posts
    • 34,118 Thanks
    HairyHandofDartmoor
    Well done on the EM. It's really easy to slip out of good MSE habits, but at least you've realised what's happening so yo can fix it. Less takeaways could meam weight loss too .
    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
    • parsniphead
    • By parsniphead 15th Apr 18, 8:09 PM
    • 2,530 Posts
    • 16,193 Thanks
    parsniphead
    Thanks hairyhand. In ever ordered takeaway in until I met my DS. Helped me down a very slippery path.

    I was I the kitchen tonight pondering on things, well debt actually, and wondering why over the years I have reacted in the way I have too it. The word which popped into my head was attitude.

    Anyway a little about me. I've always been a very quiet person and chronically shy when I was younger. I'm still very shy and lack in confidence still but find ways around it. I did OK at school. I wasn't one of the clever ones or naughty ones so was overlooked really. Everything about life has been very average. I've ever pushed myself because I've never felt worthy really. I guess I always thought others were worth more and deserved things more than me.

    ANYWAY, I've been working on changing this. I don't see why i should live like I do because of debt. I know I can't go wild but why should I walk around like a hobbit.

    I have decided to work on myself and do one brave thing everyday and try to start living life.

    Time to start changing my attitude towards myself.
    Can you tell I've been reading a book about mid life crisis. It says not to try and cling onto what's passed/passing as life changes, but you need to find the new you, embrace it and enjoy it.

    I'm not sure I've worded this post how I want it to be. Mmmmm. It is meant to be positive. I hope it doesn't come across otherwise.

    The hobo moves on.
    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 15th Apr 18, 10:02 PM
    • 5,129 Posts
    • 18,240 Thanks
    abba1772
    It comes across very positive parsnip........know what you mean about the hobo part I really need to replace my leggings they are getting awfully threadbare but I keep putting it off as I want to pay stuff off xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 2179.94
    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 8941.34
    • parsniphead
    • By parsniphead 18th Apr 18, 1:33 PM
    • 2,530 Posts
    • 16,193 Thanks
    parsniphead
    Thanks abba.

    I seem to have froze today, a bit like my tablet does regularly. Can't seem to get going at all. I have done the shopping and some washing but that's about it. I definitely need a boot up the bum.

    I do want to do something but I'm in a proper dopey mood.

    Oh well perhaps a snooze may help. What a wasted day off.
    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 18th Apr 18, 1:37 PM
    • 5,129 Posts
    • 18,240 Thanks
    abba1772
    A nap during the day is never a waste of a day you obviously need a rest so listen to your body as you don't want to crash and burn xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 2179.94
    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 8941.34
    • doingitanyway
    • By doingitanyway 18th Apr 18, 5:55 PM
    • 3,288 Posts
    • 17,691 Thanks
    doingitanyway
    What I am realising is if you can go with it do. Have the nap. Don't do much. It will shift. I was unable to do anything yesterday. I was irritable and my mood was foul. Today? I pulled the plug and before long I could do anything
    I am blaming my hormones
    Emergency fund 500/1000
    If not now then when?
    • parsniphead
    • By parsniphead 18th Apr 18, 7:04 PM
    • 2,530 Posts
    • 16,193 Thanks
    parsniphead
    Thanks DIA and Abba.

    I did manage to do something. I lay on the trampoline and watched the sky.

    Phew I'm pooped now.

    I've cancelled today.
    Last edited by parsniphead; 18-04-2018 at 7:07 PM.
    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 22nd Apr 18, 5:34 PM
    • 2,530 Posts
    • 16,193 Thanks
    parsniphead
    Afternoon all.

    A busy few days for me. I have so much sewing on I'm not sure which way to turn, but its a good thing. Plenty of money will be coming in very soon.

    I have spent today on the house again. With my single glazing I struggle with damp and mould so I have been pouring bleach down the bathroom walls to clean them. Its looking much more sparkling. It does really need a good old paint though and I STILL need to get a new basin sorted. I'm in a real cleaning mood so would love to have tomorrow off to sew and clean. No chance though as work beckons.

    Anyway a bit of food then a bit more tidying.

    Have a good evening. Enjoy the last of the sun if you have it.
    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 22nd Apr 18, 9:44 PM
    • 5,129 Posts
    • 18,240 Thanks
    abba1772
    You've had a productive weekend parsnip glad to hear you've got plenty of sewing work xx
    NEXT TARGET HALIFAX CC WAS July 18 5493.20 NOW 2179.94
    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 8941.34
    • Cherryfudge
    • By Cherryfudge 23rd Apr 18, 12:10 AM
    • 1,946 Posts
    • 11,026 Thanks
    Cherryfudge
    Good to see you making such progress - obviously that book is a proper motivator! And I think plenty of us have those slump days. The body, soul or your will power decide to have a break and nothing you can do seems to shift them into gear. I just tell myself I need a rest and try to go with it because if I don't, I pay for it.

    My decluttering has made no progress recently as I've been away/working but it's time I got back on the bandwagon and reading your thread generally helps. Hope you can get your sewing and cleaning time while the mood is strong!
    MFW #30 Paid off 2,481.24/3770 as of 4/8/18
    • parsniphead
    • By parsniphead 28th Apr 18, 11:09 PM
    • 2,530 Posts
    • 16,193 Thanks
    parsniphead
    Thank you Abba and cherryfudge.

    My jobs in the house are very up and down. I just seem to struggle with consistency with, well everything actually.

    The sewing is going well, I have more stuff to do which is good. I just need to keep getting on with it.

    I'm trying a need healthy eating plan which seems much more doable. I low I won't stick to anything tomstrict or complicated but after reading a book about this plan a whole ago I have decided to give it a go. I will let you know how it goes.

    The house. Oh well, what can I say. I continue with the sorting, some days more than other but it never seems any different. I won't lie I'm getting very frustrated and annoyed. I do break up for the summer about the end of June and wanted it done by then but its never ending. I will have three weeks without DS while he is at school when I do finish so I suppose I could crack on then with no interruptions ........... I will keep going and going but who knows. I guess most of the easy stuff has been done and the difficult stuff to decide on is left. I will do it tough. BEFORE CHRISTMAS IT WILL BE A VERY DIFFERENT HOUSE.

    Debt. Well I have less debt and fewer in number to pay off. I'm really looking forward to payday to hit another one hard. It should be done in three months then it will be the next smallest. After that on I will only have the big t3sco one left. I'm feeling much more in control with this now.

    At last I have two foodstuff coming up in the garden. Two stalks of rhubarb , that should keep me going and some peas. I really need to crack on with this all now if I want to be fed during the next year.

    The bay roof....let's move on eh. Nothing done as of yet.

    Anyway I'm hoping for some dryer weather in the next few weeks as the sun also motivates me more.

    Have a good weekend 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%
    • Cherryfudge
    • By Cherryfudge 28th Apr 18, 11:14 PM
    • 1,946 Posts
    • 11,026 Thanks
    Cherryfudge
    Have you tried taking 'before' photos? So eventually you will be able to prove your progress to yourself.

    Well done for the debt busting - and two sticks of rhubarb is two more than I have.
    MFW #30 Paid off 2,481.24/3770 as of 4/8/18
    • doingitanyway
    • By doingitanyway 29th Apr 18, 11:02 AM
    • 3,288 Posts
    • 17,691 Thanks
    doingitanyway
    As long as you keep going by Christmas it will be a different house. That is a good goal. I might steal that thought for myself...

    Hope you have a good Sunday
    Emergency fund 500/1000
    If not now then when?
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 29th Apr 18, 11:48 AM
    • 4,824 Posts
    • 34,118 Thanks
    HairyHandofDartmoor
    Have you tried taking 'before' photos? So eventually you will be able to prove your progress to yourself.

    Well done for the debt busting - and two sticks of rhubarb is two more than I have.
    Originally posted by Cherryfudge
    Before and after photos is a brilliant idea, I bet that would motivate you .
    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
    • parsniphead
    • By parsniphead 29th Apr 18, 12:42 PM
    • 2,530 Posts
    • 16,193 Thanks
    parsniphead
    Thanks guys. I have taken before photos previously but its been a while and I'm a bit rounder.

    I'm having brown rice, haddock, peas and spring onion mixture for lunch. Its delicious. I will defnately be eating better on this plan.

    I just get irritated with the house because it never looks any different no matter what I do or how much I throw out. I will just have to keep going.

    A half day at work tomorrow before a hospital appointment. Roll on tomorrow night.

    Right ho. Time to finish my food the pottering.

    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%
    • greenbee
    • By greenbee 29th Apr 18, 1:38 PM
    • 12,713 Posts
    • 221,166 Thanks
    greenbee
    Your lunch sounds delicious - I CBA to cook because its too hard given the state of the kitchen. This doesn't help my diet.

    Like you I used to get annoyed by the state of the house but it's finally getting there with only two rooms left to do. When I did the bathroom I used to spend a lot of time in there - it felt like a different house to everything else and reminded me of what the rest could be like.

    Of course, before that I had to do heating and windows and the roof and loft insulation - but the moment the bathroom was done was a real breakthrough. I've still got the kitchen and utility to go, and there's plenty of snagging (when isn't there with builders) like the rest of the hearth in the sitting room, but I know that it won't be long before I'll be living in a normal house.

    If you need a lift before you can do things properly, I suggest emptying one room at a time and slapping some paint on the walls (my first round of decorating used paint donated by friends who were clearing out plus a lot of contract white). Making things look clean and fresh helps. And taking everything out tends to reduce what you put back in because it all looks so nice empty. And it can help with the planning as well, as you start to think about where you want sockets or radiators or lights, and how you want to reconfigure bathrooms.

    You will get there... I felt as if I never would (especially after paying for 17 new windows), but I'm now very close.
    • Cherryfudge
    • By Cherryfudge 29th Apr 18, 3:37 PM
    • 1,946 Posts
    • 11,026 Thanks
    Cherryfudge
    I was actually thinking of before photos of the house, but diet-wise I've seen them recommended as well. I take photos of work on mum's house: it's nice to have a record that shows I've made a difference because progress there is very slow!
    MFW #30 Paid off 2,481.24/3770 as of 4/8/18
    • parsniphead
    • By parsniphead 29th Apr 18, 5:37 PM
    • 2,530 Posts
    • 16,193 Thanks
    parsniphead
    I was actually thinking of before photos of the house, but diet-wise I've seen them recommended as well. I take photos of work on mum's house: it's nice to have a record that shows I've made a difference because progress there is very slow!
    Originally posted by Cherryfudge
    Oops sorry, I'm such an idiot

    I do have before and after photos of the house. Well before, the after is still to arrive.
    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 29th Apr 18, 5:40 PM
    • 2,530 Posts
    • 16,193 Thanks
    parsniphead
    Your lunch sounds delicious - I CBA to cook because its too hard given the state of the kitchen. This doesn't help my diet.

    Like you I used to get annoyed by the state of the house but it's finally getting there with only two rooms left to do. When I did the bathroom I used to spend a lot of time in there - it felt like a different house to everything else and reminded me of what the rest could be like.

    Of course, before that I had to do heating and windows and the roof and loft insulation - but the moment the bathroom was done was a real breakthrough. I've still got the kitchen and utility to go, and there's plenty of snagging (when isn't there with builders) like the rest of the hearth in the sitting room, but I know that it won't be long before I'll be living in a normal house.

    If you need a lift before you can do things properly, I suggest emptying one room at a time and slapping some paint on the walls (my first round of decorating used paint donated by friends who were clearing out plus a lot of contract white). Making things look clean and fresh helps. And taking everything out tends to reduce what you put back in because it all looks so nice empty. And it can help with the planning as well, as you start to think about where you want sockets or radiators or lights, and how you want to reconfigure bathrooms.

    You will get there... I felt as if I never would (especially after paying for 17 new windows), but I'm now very close.
    Originally posted by greenbee
    It sounds like you can see a light greenbee. The windows are the bit I'm dreading, well the cost of them anyway.
    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 29th Apr 18, 9:29 PM
    • 2,530 Posts
    • 16,193 Thanks
    parsniphead
    Will I ever get my DS to settle. He has always been a nightmare to get to sleep.

    I have been watching hoarding. Its absolutely fascinating and does put stuff into perspective really regarding my home. Goodness, how do these people cope with what they have in their homes.

    I'm going to try and focus on one room this week and get all of the clutter cleared. I'm a bit of a devil for putting stuff into bags and putting it somewhere else so it can be sorted at a later date. I have also decided to make Wednesday my visit the charity shop day. I can always pop in before picking up DS from school.

    One area to try to sort is paperwork. A lot of my stuff is online and the rest of the important stuff is in a wallet but I still have loads I worry about throwing away. Its stupid really as its stuff I never look at or need so it should go.

    Right off to bed in a minute but tomorrow morning in the half hour dead zone I'm going to spend time on the bedroom. Perhaps I may even crack out the polish.

    Night 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%
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