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  • FIRST POST
    • doingitanyway
    • By doingitanyway 31st Mar 18, 9:32 AM
    • 3,229Posts
    • 17,179Thanks
    doingitanyway
    20/20 Vision (repaying a debt to my home and myself)
    • #1
    • 31st Mar 18, 9:32 AM
    20/20 Vision (repaying a debt to my home and myself) 31st Mar 18 at 9:32 AM
    I am debt free but I have neglected myself and my home for years. My home and I have held up well after years of neglect, but we are both shabby and need of care and attention. I need to move on. This house needs a little family to love it. So I am giving myself 20 months for us both to be camera ready, so we can rise from the ashes of debt like phoenixes in 2020.

    So over the next 20 months I will do a minimum of:

    --20 Major home improvements

    --20 Minor home improvements

    --20 kilos

    --20 drab to fab changes

    --20 health improvements

    --20 giant frogs to eat

    --20 normal sized frogs to eat

    I will set a monthly goal in each category and moan, whinge report on it throughout the month until it is done

    For APRIL it looks like this:

    —Fix the roof

    —Find window film for living room, put it up, clean the window and get curtains taken up

    —Lose 2 kilos

    —Wear tinted lip balm and perfume everyday in April.

    —Walk 3 miles at least once a week

    —Get insurances in place. This is A GIANT FROG outstanding for over a decade

    —Get glasses. This is a normal sized frog outstanding for 3 years.

    So, here I go…
    Last edited by doingitanyway; 31-03-2018 at 6:46 PM.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
Page 28
    • Tinkerbelle2000
    • By Tinkerbelle2000 3rd Aug 18, 3:04 PM
    • 585 Posts
    • 2,079 Thanks
    Tinkerbelle2000
    Hello Stranger

    Can I just say a belated CONGRATULATIONS to being debt free. Well done you!! I'm so made up for you.

    I haven't got round to reading all this new diary yet but I will catch up eventually.

    Yet another fresh start for me, when will I learn.

    Take care.

    Tink xx
    As of 1st January 2018:- TOTAL: £2372.02/£16591.97
    DEBT 1-£38.96 DEBT 2-£75.00/£141.10 DEBT 3-£25.00/£297.41DEBT 4 - £35.00/£644.12
    DEBT 5-£0/£700.00 DEBT 6-£35.00/£720.02 DEBT 7-£660.47/£1479.65 DEBT 8-£514.20/£1576.80
    DEBT 9-£0/£1622.49 DEBT 10-£300.00/£2300.00 DEBT 11-£829.99/£2722.44 DEBT 12-£0/£4349.39
    EMERGENCY FUND - £10/£1000
    • doingitanyway
    • By doingitanyway 3rd Aug 18, 5:29 PM
    • 3,229 Posts
    • 17,179 Thanks
    doingitanyway
    Thanks Lonelyrat. I am proud of getting the important work done. However, I negotiated extra work for the same price and in the end the electrician squandered my time so could not do any of the additional jobs.

    Thanks Homegrown0 I wish I lived closer too but it helps to know there are good tradesmen out there. Restores my faith.

    Hello Tink Great to see you here. I recently had a visit from Orange Ena and Muffintops nice to see old faces and catch up on how they are. I will visit your diary too
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 3rd Aug 18, 5:32 PM
    • 3,229 Posts
    • 17,179 Thanks
    doingitanyway
    onwards and upwards
    Today I went back to work and it was fine. I have issues with work sometimes and my role is demanding but I am grateful for my job, the support and the flexibility I have. Without my job I would not be able to do the things I need to do on my house so I need it for now.

    Lately I have been listening to podcasts by aslobcomeclean.com and she has been talking about time management and how she schedules appointments. She doesn’t agree to do things on just any day. I do, and there is often a cost either in terms of time, money, or stress and sometimes all three.

    I am too random in my appointments but I am going to start wising up by:

    Grouping my activities in one area (If I am there anyway, is there something else I can do on my list whilst in the area?) I should not be wasting my time (travelling backwards and forwards) or my money (on travel).

    If there is a ‘free’ event that costs £8 in fares, drinks for my host £10 and 2 hours travel time. Is it really free in terms of time and money. How much do I want to go?

    Rather than aiming for one stay at home day, I am going to aim for 2 days a week where I stay local. I am going to keep to set days for now. Unscheduled time helps me feel less stressed

    I hope you all had good days too
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 3rd Aug 18, 7:05 PM
    • 56,147 Posts
    • 226,939 Thanks
    beanielou
    Glad work was ok.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • abba1772
    • By abba1772 3rd Aug 18, 8:27 PM
    • 4,958 Posts
    • 17,443 Thanks
    abba1772
    Are they coming back to finish the jobs you negotiated on xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4127.12
    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 £6524.04
    • doingitanyway
    • By doingitanyway 3rd Aug 18, 9:15 PM
    • 3,229 Posts
    • 17,179 Thanks
    doingitanyway
    Thanks Beanie

    Are they coming back to finish the jobs you negotiated on xx
    Originally posted by abba1772
    No Abba1772, I only negotiated for any extra work to be done in the additional time but electrician stretched work so there was no additional work. It is not right but it is okay and chalking it up to experience and putting it behind me
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 3rd Aug 18, 10:03 PM
    • 56,147 Posts
    • 226,939 Thanks
    beanielou
    Thanks Beanie



    No Abba1772, I only negotiated for any extra work to be done in the additional time but electrician stretched work so there was no additional work. It is not right but it is okay and chalking it up to experience and putting it behind me
    Originally posted by doingitanyway
    That is so not on.
    But as you say chalk it up to experience.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • greenbee
    • By greenbee 3rd Aug 18, 10:38 PM
    • 12,687 Posts
    • 220,918 Thanks
    greenbee
    I think you should provide feedback to the company, point out that they agreed to the additional work so clearly thought the time allowed was more than was needed, and let them know how much time the guy was off site and what he claimed to be doing. Firstly, they may not know how disorganised he is and secondly they may agree to complete the extra work (although you might want to insist that someone else does it!).
    • doingitanyway
    • By doingitanyway 3rd Aug 18, 10:45 PM
    • 3,229 Posts
    • 17,179 Thanks
    doingitanyway
    Thanks Greenbee. I don't think the electrician was disorganised. In fact he worked quite hard on stretching the job out and I understand why. I made a mistake choosing them in the first place. Lesson learnt, moving on and chalking it up to experience.

    Have a good weekend
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 5th Aug 18, 12:11 PM
    • 3,229 Posts
    • 17,179 Thanks
    doingitanyway
    reflecting back and prepping forward
    I am burning frankincense oil today, so soothing.

    I survived my return to work well. During August I will be working a maximum of 4 days a week so I am hoping I will be fine. Hopefully it will be that way all the time soon.

    I am getting ready for my diet tomorrow. I have read the blood sugar diet and I am going onto phase 2. Phase 1 is for rapid weight loss and I don’t do well on very low calorie diets. The food is the same as I always eat so easy from that POV. The book states I will lose weight and my blood sugar will lower anyway just at a slower rate. I don’t believe in quick fixes, I trust slow and steady.

    This morning I have prepped veggies. This is key for me. I love veggies but I am like a child I need a ready made large salad box and a smaller box of veggie crudit!s. I don’t fancy them if I have to do something before I eat them.

    Funny but getting debt free has changed my mindset so although I can’t/won't do phase 1 of the diet, phase 2 requires 2 days on 800 calories. That is 48 hours and the knowledge I can have a few squares of chocolate in 49 hours is bearable. Same as debt busting and a few NSDs see? Deferred gratification. A whole eight weeks of deferred gratification? Nah.

    I have been researching women tradespeople today. I am fed up with male tradespeople, the whole experience is stressful from being talked down to, to overcharging because they think women won’t know any different. I also want to feel comfortable in my own home and some (not all) so far have left me feeling uncomfortable. I have texted a female decorator who lives surprisingly close by.

    Before anyone says so, I know there are some lovely male tradespeople. I have met them and heard of them (an MSE diarist's hubby) but they are as rare as hen’s teeth in this house.

    So today is about reflecting on my week and preparation for me

    I hope your Sunday is going well
    Last edited by doingitanyway; 06-08-2018 at 7:40 AM.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Cumbria lass
    • By Cumbria lass 5th Aug 18, 1:37 PM
    • 2,042 Posts
    • 12,481 Thanks
    Cumbria lass
    Glad to hear work was ok, and you have 4 days sorted out. Having work done on your home is very stressful I think , well it is/was for me. Unfortunately it is a necessary thing sometimes, I used to want to be tidying up around them. When I was married and the kids were young, I moved out and went to MIL for a few days , the only way I could cope with being rewired .

    My son has had a lady plasterer and no complaints from him, she did an amazing job. Looking forward to hearing how you get on with the blood sugar diet. Friend of mine followed a Banting diet , similar I think to the one you are going to follow. He is now of type 2 diabetes meds.

    Have an enjoyable day.
    • doingitanyway
    • By doingitanyway 5th Aug 18, 7:34 PM
    • 3,229 Posts
    • 17,179 Thanks
    doingitanyway
    Looking forward to hearing how you get on with the blood sugar diet. Friend of mine followed a Banting diet , similar I think to the one you are going to follow. He is now of type 2 diabetes meds.
    Originally posted by Cumbria lass
    Thanks Cumbria. Yes, diet low carb and no processed foods like Banting basically. Just worked out tomorrow's food plan and calorie counted and pinned on fridge. All systems are go
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • beanielou
    • By beanielou 5th Aug 18, 8:23 PM
    • 56,147 Posts
    • 226,939 Thanks
    beanielou
    Good news on 4 days for August
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. MFW 2018. No 144
    • in need of direction
    • By in need of direction 6th Aug 18, 8:14 AM
    • 5,194 Posts
    • 30,369 Thanks
    in need of direction
    Is there a local women's training facility? If so, could they signpost to female tradespeople.?
    Mortgage at 01.01.14 £119,481.83 today £74,745.76, target £65,000 by 31/12/18 Offset fund today £297.27 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.
    • doingitanyway
    • By doingitanyway 7th Aug 18, 8:39 AM
    • 3,229 Posts
    • 17,179 Thanks
    doingitanyway
    DIA is determined
    I got through day 1 of the diet plan.

    Looking forward to the delivery of a dress purchased on sale today. I rarely buy clothes and I want to look less shabby. It cost £70 (reduced from £180) and there was a £5 delivery charge so I am hoping it is suitable. It can be worn all year by adding a cardigan and thick tights so if okay it will get lots of wear. On a cost per wear basis it might end up being a super bargain...

    Female decorator got back to me. She is busy with a job but will get back to me to arrange a quote by Saturday or at the start of next week. I had plans on the order of works in the house but now realise it is dependant on what trades are available.

    Back at work but at least it is from home today

    Still thinking about exercise and going to simplify by walking 2 miles to a coffee shop that opens at 5am and walking back before work daily. Just waiting for the excessive heat to be over. Need some trainers and a tracksuit. I keep dithering about a pedometer, but just going to go by miles covered and time instead for now.

    I discovered last week that another family member has been diagnosed as type 2, using that as motivation to stick to getting my blood sugars under control. Day 2 of the diet and determined.

    Have a good day folks
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • abba1772
    • By abba1772 7th Aug 18, 8:52 AM
    • 4,958 Posts
    • 17,443 Thanks
    abba1772
    Do you have a smart phone, if so download my fitness pal is roughly counts your steps and it's free xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £4127.12
    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 £6524.04
    • Drawingaline
    • By Drawingaline 7th Aug 18, 5:36 PM
    • 459 Posts
    • 1,520 Thanks
    Drawingaline
    The blood sugar diet is hard core, but has amazing results, I have a couple of friends who he done it. One friends husband lost over two stone and managed to postpone surgery because his symptoms improved (is a hip problem and will need surgery at some point, but not right now)
    • doingitanyway
    • By doingitanyway 8th Aug 18, 5:15 PM
    • 3,229 Posts
    • 17,179 Thanks
    doingitanyway
    Do you have a smart phone, if so download my fitness pal is roughly counts your steps and it's free xx
    Originally posted by abba1772
    I'm using the already to check calories so good idea, Thanks
    The blood sugar diet is hard core, but has amazing results, I have a couple of friends who he done it. One friends husband lost over two stone and managed to postpone surgery because his symptoms improved (is a hip problem and will need surgery at some point, but not right now)
    Originally posted by Drawingaline
    Thanks Drawingaline. I am not going hardcore. There is a mediumcore and I am doing that instead. It is only day 3 and I have slightly more energy and my joints are less stiff. I am not weighing myself but a dress I usually struggle a little to zip up zipped up easily today.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 8th Aug 18, 5:17 PM
    • 3,229 Posts
    • 17,179 Thanks
    doingitanyway
    a really good thing
    Today I was contacted by HR and my 4 day a week is now agreed ON A PERMANENT BASIS and I only have to go into the office 2 of those 4 days. SO HAPPY.

    I don’t mind the decrease in income. I don’t mind that I won’t be able to do as much on the house or do it as quickly. Thanks to this community here I have acquired the skills in frugality I need to manage with less money.

    Thanks to everyone for listening to my moaning and supporting me
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Fortune Smiles
    • By Fortune Smiles 8th Aug 18, 5:56 PM
    • 2,859 Posts
    • 23,745 Thanks
    Fortune Smiles
    Fantastic news DIA

    Fortune x
    Mortgage: 6% paid Overpayments: 1680.24 Emergency Fund: 70%

    All we have to decide is what to do with the time that is given to us - J R R Tolkein
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