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  • FIRST POST
    • doingitanyway
    • By doingitanyway 31st Mar 18, 9:32 AM
    • 3,728Posts
    • 20,961Thanks
    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 127/1000
    NSD December 5/31 AFD 2/10, SFD 0/10
    IF NOT NOW THEN WHEN
Page 4
    • RosaBernicia
    • By RosaBernicia 10th Apr 18, 6:09 PM
    • 3,617 Posts
    • 10,052 Thanks
    RosaBernicia
    Hurrah to coffee pot use!

    Robot vacuum for floors?... am loving mine...


    Rosa xx
    Debt free May 2016
    MFW progress 5% ...
    Campervan loan progress 12%

    • Drawingaline
    • By Drawingaline 10th Apr 18, 6:20 PM
    • 514 Posts
    • 1,670 Thanks
    Drawingaline
    I decluttered all my plates and replaced them with my grandma's dinner service I inherited. Some pieces were missing when I got it and I smashed a plate early on, but I don't think it is worth much and it brings me joy to use it. As a bonus the plates are quite a bit smaller than more modern dinner plates leading to slightly smaller portions! Hubby ruined this by insisting on buying a new dinner set just after Xmas, but we did need new bowls and it is nice to have a full matching set for the first time in years. I still use my grandma's plates for certain things though, maybe twice a week so I feel they are still useful and still bringing me joy.
    • beanielou
    • By beanielou 10th Apr 18, 6:52 PM
    • 58,913 Posts
    • 244,631 Thanks
    beanielou
    Good idea on the coffee pot~~use it & love it
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • doingitanyway
    • By doingitanyway 10th Apr 18, 9:16 PM
    • 3,728 Posts
    • 20,961 Thanks
    doingitanyway
    Im glad to read you're feeling better DIA.

    I think you're right about the coffee pot. I'm sure its something we all do with clothes, homewear, etc, but it seems pointless to have things tucked away in cupboards getting dusty. Use it and enjoy it.

    It sounds like you had a productive day as well. Good luck with the roofer.
    Originally posted by parsniphead
    Thanks Parsniphead. I must admit anxiety is creeping in about the roofer appointment but I am trying to stay with it and not cancel
    I decluttered all my plates and replaced them with my grandma's dinner service I inherited. Some pieces were missing when I got it and I smashed a plate early on, but I don't think it is worth much and it brings me joy to use it. As a bonus the plates are quite a bit smaller than more modern dinner plates leading to slightly smaller portions! Hubby ruined this by insisting on buying a new dinner set just after Xmas, but we did need new bowls and it is nice to have a full matching set for the first time in years. I still use my grandma's plates for certain things though, maybe twice a week so I feel they are still useful and still bringing me joy.
    Originally posted by Drawingaline
    I loved your post. A lovely story. I think my coffee pot will bring me joy too
    Emergency fund 127/1000
    NSD December 5/31 AFD 2/10, SFD 0/10
    IF NOT NOW THEN WHEN
    • doingitanyway
    • By doingitanyway 10th Apr 18, 9:20 PM
    • 3,728 Posts
    • 20,961 Thanks
    doingitanyway
    Hurrah to coffee pot use!
    Robot vacuum for floors?... am loving mine...
    Originally posted by RosaBernicia
    Thanks Rosa. A robot vacuum is definitely not part of my plan! But glad you are enjoying yours
    Good idea on the coffee pot~~use it & love it
    Originally posted by beanielou
    I will Beanielou!
    Emergency fund 127/1000
    NSD December 5/31 AFD 2/10, SFD 0/10
    IF NOT NOW THEN WHEN
    • beanielou
    • By beanielou 10th Apr 18, 9:22 PM
    • 58,913 Posts
    • 244,631 Thanks
    beanielou
    When is the roofer coming?
    Hope that you dont have too long to worry about it.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • doingitanyway
    • By doingitanyway 10th Apr 18, 9:24 PM
    • 3,728 Posts
    • 20,961 Thanks
    doingitanyway
    When is the roofer coming?
    Hope that you dont have too long to worry about it.
    Originally posted by beanielou
    Tomorrow. I need NOT TO CANCEL or I will never get it done!
    Emergency fund 127/1000
    NSD December 5/31 AFD 2/10, SFD 0/10
    IF NOT NOW THEN WHEN
    • beanielou
    • By beanielou 10th Apr 18, 9:25 PM
    • 58,913 Posts
    • 244,631 Thanks
    beanielou
    Tomorrow. I need NOT TO CANCEL or I will never get it done!
    Originally posted by doingitanyway
    Try not to cancel.
    YOU can do this.
    Positive vibes your way.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • doingitanyway
    • By doingitanyway 10th Apr 18, 9:27 PM
    • 3,728 Posts
    • 20,961 Thanks
    doingitanyway
    Try not to cancel.
    YOU can do this.
    Positive vibes your way.
    Originally posted by beanielou
    Thanks Beanielou. I will be trying my hardest NOT TO CANCEL
    Emergency fund 127/1000
    NSD December 5/31 AFD 2/10, SFD 0/10
    IF NOT NOW THEN WHEN
    • redofromstart
    • By redofromstart 11th Apr 18, 9:28 AM
    • 2,065 Posts
    • 12,840 Thanks
    redofromstart
    Hope it goes ok today DIA
    • JoJoC
    • By JoJoC 11th Apr 18, 11:06 AM
    • 1,128 Posts
    • 6,921 Thanks
    JoJoC
    All the best for today's appointment DIA - I'm sure it will go well. Do update us

    I love your change of mind about the coffee pot. Isn't it wonderful to use things that bring us joy? You've just reminded me, I have a lovely teapot tucked away in my cupboard that I rarely (read almost never) use. However, I'm going to get it out today and make myself some green tea.
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
    • beanielou
    • By beanielou 11th Apr 18, 1:11 PM
    • 58,913 Posts
    • 244,631 Thanks
    beanielou
    Hope all goes well today.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • doingitanyway
    • By doingitanyway 11th Apr 18, 6:56 PM
    • 3,728 Posts
    • 20,961 Thanks
    doingitanyway
    Hope it goes ok today DIA
    Originally posted by redofromstart
    All the best for today's appointment DIA - I'm sure it will go well. Do update us

    I love your change of mind about the coffee pot. Isn't it wonderful to use things that bring us joy? You've just reminded me, I have a lovely teapot tucked away in my cupboard that I rarely (read almost never) use. However, I'm going to get it out today and make myself some green tea.
    Originally posted by JoJoC
    Enjoy your teapot. I am loving using the nice coffee pot
    Hope all goes well today.
    Originally posted by beanielou
    Thank you all.

    I am really proud of myself as I stayed with my anxiety all day. I was in out of the loo (okay too much information?) and I could not relax . But I stayed with it until 6.30pm and I am now have had an assessment and a quote will follow (I hope) I liked this roofer and think I can work with him. Even if the quote is a bit on the high side I will probably go with it anyway. Now I will relax and eat something light. i shouldn't feel pleased with myself for doing what everyone else can easily manage but I do.

    Hope you all had successful days too
    Emergency fund 127/1000
    NSD December 5/31 AFD 2/10, SFD 0/10
    IF NOT NOW THEN WHEN
    • beanielou
    • By beanielou 11th Apr 18, 7:31 PM
    • 58,913 Posts
    • 244,631 Thanks
    beanielou
    Excellent result.
    Be very proud
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • Cumbria lass
    • By Cumbria lass 11th Apr 18, 8:20 PM
    • 2,497 Posts
    • 15,573 Thanks
    Cumbria lass
    Well done DIA , it will be worth it in the end.

    Have an image of you poring your coffee from the pot.
    CC1 £3500 Nov 2018.
    • RosaBernicia
    • By RosaBernicia 11th Apr 18, 9:42 PM
    • 3,617 Posts
    • 10,052 Thanks
    RosaBernicia
    i shouldn't feel pleased with myself for doing what everyone else can easily manage but I do.
    Originally posted by doingitanyway
    I think you should be proud of yourself for doing something you find difficult - never mind what other people can do.

    Well done you - big hugs and I hope you have settled down with a reward


    Rosa xx
    Debt free May 2016
    MFW progress 5% ...
    Campervan loan progress 12%

    • moneyonmymindsam
    • By moneyonmymindsam 11th Apr 18, 10:04 PM
    • 1,408 Posts
    • 4,360 Thanks
    moneyonmymindsam
    Well done you

    A giant leap for manDIAkind


    Emergency Fund Challenge
    • in need of direction
    • By in need of direction 11th Apr 18, 10:19 PM
    • 5,419 Posts
    • 32,287 Thanks
    in need of direction
    What makes you think that what you struggled with is something everyone else manages? Could it be that everyone isn't as honest as you? Bit like debt when you feel that everyone else has things sorted and it's just you who can't balance the books. Give yourself credit for admitting an issue and tackling it head on
    Mortgage at 01.01.14 £119,481.83 today £71,743.47, target £65,000 by 05/04/19 Offset fund today £412.27 target £5,500 by 05/04/19
    Emergency fund £1,100/5.5k & £200/200 cash.
    Weight 8 July 14st 4lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • RosaBernicia
    • By RosaBernicia 12th Apr 18, 8:08 PM
    • 3,617 Posts
    • 10,052 Thanks
    RosaBernicia
    What makes you think that what you struggled with is something everyone else manages? Could it be that everyone isn't as honest as you? Bit like debt when you feel that everyone else has things sorted and it's just you who can't balance the books. Give yourself credit for admitting an issue and tackling it head on
    Originally posted by in need of direction
    Huge round of applause - so true

    This came up in discussions with a friend the other day. It does nobody any favours when we all pretend to be perfect, it just makes it harder on us all when life gets in the way and we worry that such things don't seem to happen in other people's carefully curated lives. Much better to be honest and brave.

    (and if you need a boost in this department, I highly recommend Brene Brown)


    Rosa xx
    Debt free May 2016
    MFW progress 5% ...
    Campervan loan progress 12%

    • JoJoC
    • By JoJoC 12th Apr 18, 8:15 PM
    • 1,128 Posts
    • 6,921 Thanks
    JoJoC
    Well done you! Glad you rode out the anxiety and made it theough the appointment. Nice to hear youre happy with the roofer, so fingers crossed for a good quote.

    Anotger step towards your goal!
    CC1: £4481.14/ £5031.14 (12% paid off, £600) | CC2:£3307/ £3807 (14.4% paid off, £550) | Loan: £10,528.20/ £15,792.30((33% paid off, £5,264))

    July debt total: £24,630.44 | New debt total: £18,316.34 | Total debt paid: £6,414.10 (26%)
    *My debt busting and savings diary*
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