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    • doingitanyway
    • By doingitanyway 31st Mar 18, 9:32 AM
    • 3,420Posts
    • 18,601Thanks
    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.
    Emergency fund 700/1000
    If not now then when?
Page 29
    • beanielou
    • By beanielou 8th Aug 18, 5:56 PM
    • 57,444 Posts
    • 235,255 Thanks
    beanielou
    Fantastic

    You must be so pleased..
    When does that start then?
    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 8th Aug 18, 5:58 PM
    • 5,289 Posts
    • 19,019 Thanks
    abba1772
    That's amazing news .......congrats xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £173.63
    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 £11413.03
    • helsbell
    • By helsbell 8th Aug 18, 7:40 PM
    • 203 Posts
    • 1,123 Thanks
    helsbell
    Congratulations! I know you've been wanting that for a long time.
    SPC 11, No. 062 DFD November 2020
    Aug 2017 B'card £5006.83 BoS £1086.59 MBNA £0 Total: £6093.42
    Aug 2018 B'Card £995.06 BoS £863.43 MBNA £3,644.98 Total: £5503.47
    9.68% paid off
    • mark88man
    • By mark88man 8th Aug 18, 8:05 PM
    • 3,255 Posts
    • 6,795 Thanks
    mark88man
    well done - that's the hard bit!!
    now you just need to make sure they don't mess you around with your day off. I don't know what your work entails, but if there's a chance of colleagues not realising they cant book you on your day off then be very clear right from the beginning when you are and are not available
    Things happen for a reason. Often the reason is we are stupid & make bad decisions.
    Weight - Fluctuating - less than I was more than I should be
    1/18: CC:11.5K@0% - Car Loan:17K@2.8% - Mort:145K@2.9%
    Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018-1H:£11K
    • RosaBernicia
    • By RosaBernicia 8th Aug 18, 9:24 PM
    • 3,587 Posts
    • 9,873 Thanks
    RosaBernicia
    woop woop what an inspiration
    So pleased for you


    Rosa xx
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • doingitanyway
    • By doingitanyway 9th Aug 18, 8:43 AM
    • 3,420 Posts
    • 18,601 Thanks
    doingitanyway
    Bit by bit
    Thanks everyone for the positive posts

    I still can't quite believe it, but I have it writing now. I am due to start in September although I am off Thursdays in August as I used some holiday dates to make my return to work easier.
    And never fear Mark88said I have no intention of being paid for a 4 day week and working a 5 day week. As a team we are already a mixture of full-time and part time staff and the work is geared to this working successfully .

    Today I have drudge to do but then I will be away in my little car. I will be grouping my activities in one area to:

    Go to the National Trust park for a stroll (parking the car for free for 5 hours)
    Check out a free Spanish class that meets on Thursdays.
    Fruit and veg from discount supermarket
    Coffee in a lovely independent cafe and read for a bit (my favourite thing)
    Clear boot of CS goodies at CS

    I feel like the way I wanted to live (when I had debt and a mortgage and couldn't afford to do essential repairs) is beginning to take shape bit by bit
    Emergency fund 700/1000
    If not now then when?
    • beanielou
    • By beanielou 9th Aug 18, 3:16 PM
    • 57,444 Posts
    • 235,255 Thanks
    beanielou
    Good news on things starting to take shape
    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
    • Purplemumof2
    • By Purplemumof2 9th Aug 18, 3:41 PM
    • 6,483 Posts
    • 24,207 Thanks
    Purplemumof2
    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
    Originally posted by doingitanyway

    Fantastic news DIA xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £5860.00 BC: £395.64 Cap One: GONE Lloyds: £10,150.00
    OD £0/£500 LC £150/£1500 Washer £50/£309.99
    POAMAYC 2018 #041 PD £7219.86/£7000
    Savings for Christmas £344.80/£400
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • doingitanyway
    • By doingitanyway 9th Aug 18, 7:59 PM
    • 3,420 Posts
    • 18,601 Thanks
    doingitanyway
    change of plan
    Thanks Purplemum and Beanie

    Well today nothing on my list done as it was pouring down and the drudge work took ages.
    Instead I returned all the bits and pieces to BnQ that the rubbish electrician would not do. Thought I could keep for next electrician but I didn't. Can always get again. I don't want to store things.

    I got a text from the lady decorator to see if she can come and see the room at short notice, so I said yes. She came. I really like her. I hope she gives me a fair quote. I'll know in the next few days.

    I need to bite the bullet and get some window quotes. Scared as it is a big job, not so much the money just afraid in case it goes wrong and anxious about having a team of double glazing people in my home again treating me like an idiot...

    Loving the 4 days this week. It means I only ever work today and tomorrow and then I have a break. Rinse and repeat

    I hope your day went well reader
    Emergency fund 700/1000
    If not now then when?
    • Cumbria lass
    • By Cumbria lass 9th Aug 18, 8:35 PM
    • 2,307 Posts
    • 14,112 Thanks
    Cumbria lass
    Just catching up on your news , 4 day week fantastic. I love my 4 day week, even if it is for the benefit of the DGD . One day it will be for my benefit. My son has also applied to do a 9 day fortnight as he travels a distance to work and that has been approved .

    Lady decorator , hope she turns up trumps with a good quote. You are so good with tradespeople now .
    • beanielou
    • By beanielou 9th Aug 18, 9:58 PM
    • 57,444 Posts
    • 235,255 Thanks
    beanielou
    Glad that you liked the lady decorator & hope that you get a fair quote.
    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
    • doingitanyway
    • By doingitanyway 10th Aug 18, 7:47 AM
    • 3,420 Posts
    • 18,601 Thanks
    doingitanyway
    Just catching up on your news , 4 day week fantastic. I love my 4 day week, even if it is for the benefit of the DGD . One day it will be for my benefit. My son has also applied to do a 9 day fortnight as he travels a distance to work and that has been approved .

    Lady decorator , hope she turns up trumps with a good quote. You are so good with tradespeople now .
    Originally posted by Cumbria lass
    Well done your son. I think more employers are open to flexible working these days. About time. Eventually I will be doing my own creative work on my 'free' day but for now just happy to use it to take the pace down a bit.
    Glad that you liked the lady decorator & hope that you get a fair quote.
    Originally posted by beanielou
    Yes, fingers crossed for the day decorator
    Emergency fund 700/1000
    If not now then when?
    • doingitanyway
    • By doingitanyway 10th Aug 18, 7:51 AM
    • 3,420 Posts
    • 18,601 Thanks
    doingitanyway
    shopping differently
    I bought some sale clothes today as the dress I bought was between sizes. I now realise now that I am debt free I can shop differently. Buying several items has pushed me over the barrier for free deliveries too.

    I can buy several sizes and see if they fit. I can try styles out. I can send back what doesn’t work. To do this I need money in my budget to allow me to maximise on bargains/sale items by buying several items and not worrying that doing so will push me into overdraft. Because I am home more I am likely to be in for deliveries too. I am thankful I can do shop this way now. I can also see why high streets are suffering. This way of shopping is way nicer...

    Today I will be WFH

    My frog today is to phone a company to get a window quote and decide whether to use the people I used before. In one way ‘better the devil you know’ but then again, why should I give my hard earned money to devils??

    Wishing you all a good ending to your week
    Emergency fund 700/1000
    If not now then when?
    • Tinkerbelle2000
    • By Tinkerbelle2000 10th Aug 18, 11:15 AM
    • 585 Posts
    • 2,088 Thanks
    Tinkerbelle2000
    Congratulations DIA on your four day week and finding a female decorator.

    Things are sounding so positive for you now, onwards and upwards.

    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
    • Homegrown0
    • By Homegrown0 10th Aug 18, 2:20 PM
    • 228 Posts
    • 1,011 Thanks
    Homegrown0
    Hi DIA - I've been out of action for a few days and came back to see your lovely news! Well done on persevering on the 4-day working week. It'll be magnificent to have that extra day to just relax and have as your own.

    You're doing so well with getting your house in order, even if it is going more slowly than you'd like. I hope the female decorator lives up to your needs and gives you a good quote for the works. Long may the positivity continue!
    • beanielou
    • By beanielou 10th Aug 18, 3:19 PM
    • 57,444 Posts
    • 235,255 Thanks
    beanielou
    Have you eaten your frog yet?
    I have done mine!
    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
    • doingitanyway
    • By doingitanyway 10th Aug 18, 5:52 PM
    • 3,420 Posts
    • 18,601 Thanks
    doingitanyway
    Congratulations DIA on your four day week and finding a female decorator.

    Things are sounding so positive for you now, onwards and upwards.

    Tink xx
    Originally posted by Tinkerbelle2000
    Thanks Tink
    Hi DIA - I've been out of action for a few days and came back to see your lovely news! Well done on persevering on the 4-day working week. It'll be magnificent to have that extra day to just relax and have as your own.

    You're doing so well with getting your house in order, even if it is going more slowly than you'd like. I hope the female decorator lives up to your needs and gives you a good quote for the works. Long may the positivity continue!
    Originally posted by Homegrown0
    I know! The 4 day a week may just keep me sane(ish)
    Have you eaten your frog yet?
    I have done mine!
    Originally posted by beanielou
    Thanks for calling me to account. But no not today. So the frog is bigger now and getting more difficult to swallow. The window needs to go in first and then the room gets decorated. So didn't want to face the window that I was planning on doing it the other way around and that is plain silly
    Emergency fund 700/1000
    If not now then when?
    • beanielou
    • By beanielou 10th Aug 18, 6:14 PM
    • 57,444 Posts
    • 235,255 Thanks
    beanielou
    You would be amazed at how little mess new windows make these days.
    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
    • doingitanyway
    • By doingitanyway 10th Aug 18, 6:22 PM
    • 3,420 Posts
    • 18,601 Thanks
    doingitanyway
    You would be amazed at how little mess new windows make these days.
    Originally posted by beanielou
    It isn't that. It's the salesman, then the measuring being accurate and then having to check their work and whether they do it properly, then them in my house and being talked down to. The mess I can deal with

    I am a lot better than I was but i still struggle with tradesmen
    Last edited by doingitanyway; 10-08-2018 at 6:27 PM.
    Emergency fund 700/1000
    If not now then when?
    • beanielou
    • By beanielou 10th Aug 18, 6:30 PM
    • 57,444 Posts
    • 235,255 Thanks
    beanielou
    It isn't that. It's the salesman, then the measuring being accurate and then having to check their work and whether they do it properly, then them in my house and being talked down to. The mess I can deal with
    Originally posted by doingitanyway
    Yes, I get that.
    Loathe being talked down too.
    I meant that you could decorate first if you wanted & then have window done.
    Maybe I picked you up wrongly
    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
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