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  • FIRST POST
    • parsniphead
    • By parsniphead 5th Jun 16, 4:45 PM
    • 2,532Posts
    • 16,197Thanks
    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 60
    • parsniphead
    • By parsniphead 7th May 18, 4:01 PM
    • 2,532 Posts
    • 16,197 Thanks
    parsniphead
    Thanks greenbee and DIA.

    You are both right and whatever happens I would be much closer to being debt free than plodding along. After being in debt since I was 19 and trying to sort it for the past 15 gears I think now is the time for the big push.

    I need to come out of my comfort zone once and for all. Saying that I have a days teaching tomorrow. It's the first I have done since July 16 and I feel very apprehensive. Hopefully it will lead to a better and more lucrative role.
    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 7th May 18, 4:39 PM
    • 4,873 Posts
    • 34,567 Thanks
    HairyHandofDartmoor
    Good luck with making a big push to pay off the debts, even if you don't pay them off completely you may be able to reduce them a lot.

    I'm glad you're enjoying the sunshine .
    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 7th May 18, 5:41 PM
    • 2,532 Posts
    • 16,197 Thanks
    parsniphead
    I do enjoy the sun hairyhand. I have been working outside this afternoon prepping for tomorrow.
    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%
    • Plain Jane
    • By Plain Jane 7th May 18, 6:00 PM
    • 91 Posts
    • 157 Thanks
    Plain Jane
    Hi Parsniphead been lurking in the background and have subscribed to your thread. I am a wannabe declutterer I have to battle the hoarding DH though to get rid of anything! Onwards and upwards though.
    Just one figure from now on - Total Debt as at 27.8.18 - 44,061.26.

    Target to be under 40k by 31.12.18.
    • parsniphead
    • By parsniphead 8th May 18, 6:39 PM
    • 2,532 Posts
    • 16,197 Thanks
    parsniphead
    Thank you Plain Jane. I think i will be a forever declutterer but I'm the hoarder too.

    Today has been good. A one off day of teaching and its made me realise i definately need to find a role to stimulate my brain again.

    No extra money today but I need to drop off an item tomorrow and pick up some more. The money will be paid straight off the debt minus the bit I need to keep back for tax. ( to the payment not the tax ).

    I also have another job to complete tomorrow which is a larger payment. I think I will have some d@ve r@msey time while working.

    I've decided I'm going go for the big one and see what I can achieve. Roll on a busy 15 weeks.

    Haveva good night all. P 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 8th May 18, 11:57 PM
    • 1,949 Posts
    • 11,033 Thanks
    Cherryfudge
    I'm glad the teaching went well. Hopefully it will lead to more!

    You seem to be doing well on the SE side of things too.
    MFW #30 Paid off 2,481.24/3770 as of 4/8/18
    • parsniphead
    • By parsniphead 9th May 18, 6:59 AM
    • 2,532 Posts
    • 16,197 Thanks
    parsniphead
    Thanks cherryfudge.

    Its my day off today and I have LOTS of stuff to do. I'm trying to do a lot of bits before taking DS to school so i can crack on when I get back.

    I have my first load of washing in. Hopefully I can get it out and dry before the rain rolls in.

    Have a good day whatever you are doing.

    P 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%
    • parsniphead
    • By parsniphead 10th May 18, 12:07 PM
    • 2,532 Posts
    • 16,197 Thanks
    parsniphead
    Another 28.10 paid off mbn@. 25 from a sewing job and 3.10 I nearly spent in the refractory even though I have sandwiches with me.
    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 May 18, 9:58 PM
    • 3,304 Posts
    • 17,786 Thanks
    doingitanyway
    You sound motivated and positive right now. Nice to read. Keep going. The MBNA debt will soon be beaten
    Emergency fund 500/1000
    If not now then when?
    • parsniphead
    • By parsniphead 12th May 18, 2:02 PM
    • 2,532 Posts
    • 16,197 Thanks
    parsniphead
    Thanks DIA. I would LOVE a very frugal June to get rid of the last 470 ish but I have DS and DBros birthdays. Thinking cap time.

    I started today well and got two loads of washing done and put away the dry stuff on the stairs, then I got interrupted. Boo hiss. Just having a little sit in the garden while planning my next move. Perhaps i should be weeding instead.

    I have been thinking lots (Oh goodness she's thinking again ) about changing lifestyles. Well getting back to previous lifestyles plus extra stuff but it's always been when I'm out off debt, when the time is right, etc, etc. Waiting again, my eternal problem. Anyway someone clever on here said recently that they had started to live like lifes not a rehersal. Boom went my little brain. Seconds are ticking by and parsnip is waiting again for the right time. Silly old fool. By the time it's the right time I will be too old and kn@ckered.

    I'm going to try and do one brave thing per day. One thing to make life a little more exciting and interesting. It may be small or it may be big. Who knows. Today I'm going to make a shopping list for Wednesday shop and from that point I'm going to try a veggie diet for many health reasons. Believe me that's big for a confirmed meat eater. I'm really going to have to think hard on what to eat. Hopefully it will cut food costs too a little.

    I have hair dye too. Not pillar box red but Brown but it will hide the greys.

    But before that a trip to the charity shop calls. The stuff was in my car for months. Last night it had to come out for the cars mot ( it passed - whoop whoop). I'm going now to stick it back in and get shot of it.

    Right enough of my crazy waffling. Have a good weekend. 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%
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th May 18, 2:15 PM
    • 4,873 Posts
    • 34,567 Thanks
    HairyHandofDartmoor
    I've been pescatarian for 26 years (ate fish but not meat) but stopped eating fish a year ago. I don't miss meat or fish at all and I'm sure it helps me to keep my weight down. Meat dishes do tend to be more expensive too so I save money in restaurants and just generally .

    I like the idea of doing one brave thing per day .
    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
    • Chrystal
    • By Chrystal 12th May 18, 2:29 PM
    • 411 Posts
    • 2,645 Thanks
    Chrystal
    Wow PH you're sounding really positive, which is brilliant.
    They say the journey of a thousand miles begins with a single step, so your single step is going to the charity shop.!

    So much of what you feel/say resonates with me(procrastination isn't my middle name... it's my first name.

    Hope you have a successful weekend. X
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • parsniphead
    • By parsniphead 12th May 18, 3:22 PM
    • 2,532 Posts
    • 16,197 Thanks
    parsniphead
    Thanks hairy hand and crystal.

    I have just returned from the charity shop and after three trips across the road and Ive offloaded a lot of DS's old clothes and toys. I still have his baby clothes though as I just can't get rid yet. I did donate one of his first Christmas gifts, the thing I was going to struggle with but........I did it and I'm still here.

    I'm going to go through some of his younger clothes soon and more toys.

    This is HUGE for me as i emotionally attach to everything. I was so proud of DS though as he handed over a toy himself too.

    For the first time in six months I have a completely empty car boot..

    I have made the first step and now see I can continue.
    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 12th May 18, 5:58 PM
    • 12,725 Posts
    • 221,274 Thanks
    greenbee
    Congratulations on emptying the car boot!

    Work were doing a charity collection this week as volunteers were helping out in local CSs, so all the stuff that has been waiting to go (but hasn't as the place I drop stuff off isn't open on weekends) plus a quick wardrobe cull was handed over. Then today a friend brought me some rubble (I'm using it to improve the flow of water in the stream) and I sent her away with my old kitchen lights and two coat hooks. It's so nice to know the stuff has gone. And importantly, because I was pushed for time, I got rid of things I hadn't worn without having a debate about the fact that they may come in useful at some point...

    I wish you lived nearer. I have a LOT of sewing work that needs doing. Mostly remaking curtains and blinds, which isn't very exciting, but still needs doing!
    • doingitanyway
    • By doingitanyway 12th May 18, 6:52 PM
    • 3,304 Posts
    • 17,786 Thanks
    doingitanyway
    You are doing ridiculously well Parsniphead.
    I love the idea of doing one brave thing a day. Just think at the end of a year 365 things you pushed yourself to achieve
    I also keep rethinking the things I put off until some life event like retirement or reduced working and I ask myself is there a way to do X now!
    I really think I need to find a way to make NOW the time for everything
    You are inspiring me. Thank you
    Emergency fund 500/1000
    If not now then when?
    • Cherryfudge
    • By Cherryfudge 12th May 18, 10:25 PM
    • 1,949 Posts
    • 11,033 Thanks
    Cherryfudge
    Go Parsnip! Well done for getting that lot to the charity shop, as Flylady has it, your things are going to bless someone else (probably more than one as charities are generally about making life better for people so not only the object but also the money raised could be bringing happiness).

    What is it with charity donations and cars? Things get to the car and no further... 'Twas a brave thing you did today and you are broadening your horizons with every brave step.
    MFW #30 Paid off 2,481.24/3770 as of 4/8/18
    • parsniphead
    • By parsniphead 13th May 18, 7:35 AM
    • 2,532 Posts
    • 16,197 Thanks
    parsniphead
    Thanks cherry. It will be so much easier to do the shopping on Wednesday with an empty boot.

    My brave thing today is to catch up on some paperwork. I don't why I have been putting it off and it's been concerning me for two months. Why didn't I just do It?

    I have some leeks to put in and I would also like to spend at least two hours on the house to continue with the big clear out.

    I also need to check my finances. I would like to pay off some more of the debt but think it's going to be impossible. Perhaps a small payment.

    Today I will end the day closer to my goal than I started it (if DS doesn't do another four million drawings and scatter then around the house again).
    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 13th May 18, 9:17 AM
    • 12,725 Posts
    • 221,274 Thanks
    greenbee
    Go and get that paperwork done and then it'll be out of the way and stop worrying you (I'm sure something else will come up to take over, but still...)

    I have a lot of garden stuff to do as I'm off on a long work trip at the end of this week and need everything done before then. And I'm slightly concerned that my expenses this month might be bigger than my CC limit, so need to look at paying off whatever is outstanding before I leave on Friday, even if they won't be reimbursed until the end of the month.

    Can you persuade DS that there's a special place to put his pictures so they all end up in the same place? There might still be 4 million of them, but at least they'll be together. My mum has a couple of giant pinboards and when she has the kids staying she sets them up at the 'art gallery' for all artwork to go on...
    • in need of direction
    • By in need of direction 14th May 18, 8:46 AM
    • 5,261 Posts
    • 30,948 Thanks
    in need of direction
    Hello, just catching up on your diary. So glad to hear the health scare worked out well for you. You also are coming across as very determined on so many fronts. Well done.
    Mortgage at 01.01.14 119,481.83 today 74,121.52, target 65,000 by 31/12/18 Offset fund today 307.27 target 5,500 by 31/12/18
    Emergency fund 860/5.5k & 200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • abba1772
    • By abba1772 14th May 18, 3:21 PM
    • 5,169 Posts
    • 18,392 Thanks
    abba1772
    Well done on clearing the boot parsnip that'll put a spring in your step 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
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