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  • FIRST POST
    • doingitanyway
    • By doingitanyway 31st Mar 18, 9:32 AM
    • 3,294Posts
    • 17,711Thanks
    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 500/1000
    If not now then when?
Page 34
    • doingitanyway
    • By doingitanyway 7th Sep 18, 12:03 PM
    • 3,294 Posts
    • 17,711 Thanks
    doingitanyway
    ate a frog
    Feeling blurrh today and just a little overwhelmed. WFH and a definite NSD too.

    I finally bought a desk. It comes today which is a good thing, but I also bought a TV this month so 2 big purchases and spending large amounts of money (to me) makes me nervous. I also ordered a hoodie as I want to start walking in the mornings now the weather is cooler. I also need trainers. Sometimes it feels like there is always something I need to buy!

    I have been decluttering continually so stuff continues to exit thank goodness

    I am creating a creativity corner with the desk and plants so I can get up in the depths of winter and have a cosy corner to go to. A flask, a hot water bottle, a lap blanket that sort of thing…

    I am stalling on the house. Nothing done over the past few days so today I ATE A FROG and called a company I saw working on a neighbour’s house. (Cheeky I know) They specialise in brickwork and plastering so I have arranged a quote for Monday.

    I don’t feel very MSE but all purchases are meticulously researched and will make my life open up so it is what it is.

    Making the soup I should have made 4 days ago!

    A meeting next week about the sabbatical

    Wishing you all a great day
    Emergency fund 500/1000
    If not now then when?
    • RosaBernicia
    • By RosaBernicia 7th Sep 18, 3:06 PM
    • 3,570 Posts
    • 9,769 Thanks
    RosaBernicia
    Sounds lovely DIA. It's just occurred to me that I could have some plants in my office here too - I might well have a look for some so thank you




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

    • Homegrown0
    • By Homegrown0 7th Sep 18, 6:27 PM
    • 188 Posts
    • 845 Thanks
    Homegrown0
    I also feel like there's always something to buy...sometimes it's so demoralising!

    Wishing you all the luck on the sabbatical meeting next week!
    • abba1772
    • By abba1772 7th Sep 18, 6:52 PM
    • 5,140 Posts
    • 18,304 Thanks
    abba1772
    Before your debt free journey happened feeling that there is always something to buy shows you how far we've come as it's opened our eyes to what we are spending xx

    Well done on organising a quote xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £2169.82
    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 £8951.46
    • redofromstart
    • By redofromstart 8th Sep 18, 8:51 PM
    • 1,937 Posts
    • 11,899 Thanks
    redofromstart
    Sounds like a great idea with the desk area. I must sort mine out, I am spending far too much time sat in a dull space.
    • parsniphead
    • By parsniphead 9th Sep 18, 7:52 AM
    • 2,530 Posts
    • 16,193 Thanks
    parsniphead
    Just catching up on diaries.

    I love the idea of a creative corner. I think I may steal it.

    Hope you are good DIA.
    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 9th Sep 18, 1:09 PM
    • 3,294 Posts
    • 17,711 Thanks
    doingitanyway
    Before your debt free journey happened feeling that there is always something to buy shows you how far we've come as it's opened our eyes to what we are spending xx
    Well done on organising a quote xx
    Originally posted by abba1772
    Something I haven't thought about Abba. I used to spend without thought before my debt journey. I was sleepwalking and now I am awake. I have come a long way
    Emergency fund 500/1000
    If not now then when?
    • doingitanyway
    • By doingitanyway 9th Sep 18, 1:11 PM
    • 3,294 Posts
    • 17,711 Thanks
    doingitanyway
    slow sunday
    A good Sunday so far for me.

    Two really nice leisurely phone calls.

    Events have overtaken and the holiday is out of the window (probably) but I still feel the need to have a holiday to look forward to however far in the future. I need to experience different cultures and ways of being so I am keen to go somewhere where I can see the world anew. I spoke to one of my best friends and we have agreed to go to Vietnam. I am happy with that. I am hoping to be on sabbatical until the beginning of June so a holiday in September will be about right and give me time to save up too. We will book at Christmas and knowing I have that will pull me through the darker months

    I’ve already washed up 5 loads of dishes (I know, I let it get bad this week) and I have clothes washed and drying outside.

    Food for the week:

    Lentil and veggie soup
    Stock from a chicken in fridge
    Quinoa batch with red beans
    Houmous
    Beef and quinoa meatballs
    Cauliflower rice prepped
    Buckwheat, blue poppy seed and coconut flour wrap batter prepped (to cook later and freeze)

    I am going to keep today no spend and stay home listening to podcasts, food prepping and getting the house clean, organised and clutter free.

    It is only when I have Sundays like this that I realise how much I need them!

    I hope you enjoy your Sunday too
    Emergency fund 500/1000
    If not now then when?
    • BabyStepper
    • By BabyStepper 9th Sep 18, 8:57 PM
    • 64 Posts
    • 221 Thanks
    BabyStepper
    Hi there

    I've just read your diary and wanted to say congratulations for becoming debt free and also coping with the house renovations. I have had a similar experience with tradespeople so I can sympathise. They can show up late or not at all, wildly overcharge, speak to you as though you are stupid and generally create some very unpleasant experiences, and all in your own home. I even had one guy checking me out, I couldn't get him out of my home fast enough. And even when they are pleasant and helpful, it is still difficult to have a stranger in your home when you're on your own. One thing I've done a few times is to ask a friend to be there, or my OH when he can get away from work. But overall dealing with tradespeople is very stressful and anxiety provoking. So a massive well done from me on coping with it all and persevering. You will get there, bit by bit.

    I've subscribed.
    • doingitanyway
    • By doingitanyway 10th Sep 18, 1:29 PM
    • 3,294 Posts
    • 17,711 Thanks
    doingitanyway
    Thank you for subscribing and posting babystepper
    It really helps when others 'get it'
    As you say I will get there, albeit slowly!
    Emergency fund 500/1000
    If not now then when?
    • doingitanyway
    • By doingitanyway 10th Sep 18, 1:32 PM
    • 3,294 Posts
    • 17,711 Thanks
    doingitanyway
    afternoon nap!
    I did some drudge as soon as I got up and then I went to Ald1 early today. I bought an unplanned for wok for £5. Hopefully it will encourage me to eat lots of stir fry veggies. I am not eating enough veggies.

    Low, low energy today. I have a feeling my iron levels have dropped again. Started my iron supplements again.

    I can’t face a tradesman so I put him off to Friday when I will be in work mode as WFH.

    It seems I spend all my free time trying to get this house under control and not ever getting it done. I imagine my free days to be about relaxing lovely activities and all I ever seem to be doing is trying (unsuccessfully) to keep on top of the chaos.

    I decluttered all the food in my fridge and freezer and cupboards that I do not like or does not agree with me. When I was in debt I ate what I had and what was on offer or cheap. I am not going to do that anymore.

    I have thrown out so many things lately in a decluttering frenzy that my dustbin is overfull.

    I had a nap just after midday.

    Hope you are having a good start to your week
    Last edited by doingitanyway; 10-09-2018 at 1:40 PM.
    Emergency fund 500/1000
    If not now then when?
    • lonelyrat
    • By lonelyrat 12th Sep 18, 12:16 PM
    • 425 Posts
    • 1,034 Thanks
    lonelyrat
    That sounds like such a wonderful Sunday Vietnam sounds wonderful, am very excited for you! It will be lovely having something like that to look forward to!

    Well done on de-cluttering the fridge/ cupboards. I find mine get full of 'healthy' food that I inevitably end up not eating... Really need to just use up everything I have.
    Total Debt : 1723.49 / 7266.93
    Weight Loss: 19.2 / 45kg
    • abba1772
    • By abba1772 13th Sep 18, 11:38 AM
    • 5,140 Posts
    • 18,304 Thanks
    abba1772
    Sorry to hear work said no........did they give a reason why???

    Good luck with the ppl claims fingers crossed the universe helps you out xx
    NEXT TARGET HALIFAX CC WAS July 18 £5493.20 NOW £2169.82
    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 £8951.46
    • beanielou
    • By beanielou 13th Sep 18, 11:47 AM
    • 56,788 Posts
    • 231,016 Thanks
    beanielou
    Hope the universe does its bit.
    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
    • Cumbria lass
    • By Cumbria lass 14th Sep 18, 8:16 AM
    • 2,181 Posts
    • 13,301 Thanks
    Cumbria lass
    Sorry to hear work said no........did they give a reason why???

    Good luck with the ppl claims fingers crossed the universe helps you out xx
    Originally posted by abba1772
    Have I missed something on your diary ? What happened with the sabbatical?

    Hope your ok ?
    CC1 £221 /£3718
    • in need of direction
    • By in need of direction 14th Sep 18, 8:29 AM
    • 5,258 Posts
    • 30,890 Thanks
    in need of direction
    Glad you asked Cumbria. I was also wondering
    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.
    • doingitanyway
    • By doingitanyway 14th Sep 18, 9:56 AM
    • 3,294 Posts
    • 17,711 Thanks
    doingitanyway
    Have I missed something on your diary ? What happened with the sabbatical?

    Hope your ok ?
    Originally posted by Cumbria lass
    Glad you asked Cumbria. I was also wondering
    Originally posted by in need of direction
    Sorry for the confusion. Work said no! I posted a really long, whining post but then thought I was being pathetic so I took it down.
    Abba they said the service delivery would be affected and we were a small team. This is despite it saying in the policies that you could take a 3 month sabbatical after 5 years service! I don't want to behave like a spoilt child but to say I am disappointed is an understatement.
    In addition I sometimes think the universe throws you a curved ball so I am positioning myself to make an amazing catch. I'll be back when I get my head straight. As I get older I am learning not to react so at work I said 'That's a shame. Okay, thanks.'
    Thanks for asking.
    Emergency fund 500/1000
    If not now then when?
    • Cumbria lass
    • By Cumbria lass 14th Sep 18, 11:37 AM
    • 2,181 Posts
    • 13,301 Thanks
    Cumbria lass
    Oh DIA you are allowed to moan if you want it's your diary. I am hugely disappointed for you . Can the opportunity be done in 3 months ?
    CC1 £221 /£3718
    • RosaBernicia
    • By RosaBernicia 14th Sep 18, 2:08 PM
    • 3,570 Posts
    • 9,769 Thanks
    RosaBernicia
    Sorry to hear that DIA. Do you mean they said no to six months, or no altogether?
    Debt free May 2016
    MFW progress 4.8% ...
    Campervan loan progress 6%

    • doingitanyway
    • By doingitanyway 14th Sep 18, 5:53 PM
    • 3,294 Posts
    • 17,711 Thanks
    doingitanyway
    a crossroads
    Rosa and Cumbria, thank you for posting

    Work is saying no to six months. They will think about what they can do but they are not agreeing three months either. I’ve left it with them.

    I do know I can’t let this opportunity pass me by.

    The plasterer has just left. I got a good vibe. I let him into my extremely messy kitchen and I did not care. A job on my stairs I have been worried about he explained and it is nothing major after all. It was worth him coming just to have that clarified.

    I am starting to think about what I want to do about work. I am seriously considering taking a leap into the unknown. I am pretty sure I will be able to find a new income stream when the year is up and perhaps this is the push I need.

    I have enough income for six months and If I don’t have a new kitchen I have enough money to keep me going for a year without accumulating debt or a drop in income. I am debt and mortgage free so in many ways this is the best time for me to do this.

    I can plaster the kitchen and paint it so the new buyers can imagine their new kitchen in the space.

    Whatever happens I am beginning to plan an exit strategy and squirrel away as much money as I can.

    A whole year to complete a creative project, get fit, eat healthy food and get the work done on my home.

    I am either in the middle of a mid life crisis or I am having a mid life breakthrough. Time will tell.
    Emergency fund 500/1000
    If not now then when?
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