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  • FIRST POST
    • doingitanyway
    • By doingitanyway 31st Mar 18, 9:32 AM
    • 3,535Posts
    • 19,561Thanks
    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 1060/1000
    NSD November 7/30
Page 45
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 6th Nov 18, 5:51 PM
    • 5,770 Posts
    • 40,825 Thanks
    HairyHandofDartmoor
    You're really taking your health seriously which is brilliant DIA. As you say the only missing component is exercise. You need to find something you enjoy. The thing that gets me out of the door on my walks, is that I know I will sleep better and feel less tense after my walk.
    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.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • mark88man
    • By mark88man 6th Nov 18, 8:26 PM
    • 3,299 Posts
    • 6,893 Thanks
    mark88man
    So finding some exercise I enjoy was my problem as I loved the indoor rowing machine but I got tendonitis so had to stop and never really replaced it

    I think its a real bonus to find something you enjoy - but you DO have to find something that you can endure - and a very brisk walk for a mile or so might ust be the easiest thing - not massive calories, but good for health and metabolism. Plus at its simplest its free and close to home (so long as its safe)

    Now am I doing that - er no, but I b****y well should be
    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
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 6th Nov 18, 8:41 PM
    • 5,770 Posts
    • 40,825 Thanks
    HairyHandofDartmoor
    I love walking in the park because it makes me feel closer to nature. I see the seasons changing with new plants growing, leaves falling, spring flowers growing, plus I can spot birds and squirrels. Not that you like squirrels .
    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.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • Drawingaline
    • By Drawingaline 6th Nov 18, 8:49 PM
    • 506 Posts
    • 1,647 Thanks
    Drawingaline
    Wow, dia, sorry to read about your builder. I got my gutters and facias done last week and it ended up £900 over budget! BUT I was kept informed, given two different choices (one was cheaper) and like you, shown photos of the state of my roof! I didnt brave a ladder, but tbh I could see the rotten batons from the ground they were that bad! Like you November is going to be a very tight month money wise!
    • lonelyrat
    • By lonelyrat 8th Nov 18, 8:33 PM
    • 489 Posts
    • 1,250 Thanks
    lonelyrat
    I love walking in the park because it makes me feel closer to nature. I see the seasons changing with new plants growing, leaves falling, spring flowers growing, plus I can spot birds and squirrels. Not that you like squirrels .
    Originally posted by HairyHandofDartmoor
    Same I find walking outside lovely... Far better than in a sweaty, hot gym. It can be hard to switch off and give yourself the time, but when you do it is really nice.

    I'm intermittent fasting and I really enjoy it. I do aim to have an 8 hour eating window but it does depend when I finish work as sometimes it gets shortened a bit. I don't find myself being hungry at all and feel I make better food decisions. My dad has gone one step farther than me and does OMAD (one meal a day) and loves it.

    Like you I'm trying not to focus on the scale. I was before and it is helpful to an extent, but I'm far more interested in noticing how my body changes. I have pronounced collar bones for the first time in years

    6 weeks until the sabbatical is great! Will give you time to sort through everything and decide where you stand.

    Bit late to the party, but glad to see the back of the builder!
    Total Debt : 1600.00 / 7266.93
    Weight Loss: 20 kg / 45kg
    • Cumbria lass
    • By Cumbria lass 9th Nov 18, 7:52 AM
    • 2,420 Posts
    • 14,911 Thanks
    Cumbria lass
    How are you DIA you haven't been around for a couple of days, hoping the cold hasn't made you really unwell.
    CC1 £3500 Nov 2018.
    • doingitanyway
    • By doingitanyway 9th Nov 18, 5:02 PM
    • 3,535 Posts
    • 19,561 Thanks
    doingitanyway
    Wow DIA - you've really taken the bull by the horns and come out winning!

    I'm sure you will achieve your goals, and as Sinatra sang - You'll do it your way.
    Originally posted by Chrystal
    Thanks Crystal I find when I do most things 'my way' it works better for me.
    You're really taking your health seriously which is brilliant DIA. As you say the only missing component is exercise. You need to find something you enjoy. The thing that gets me out of the door on my walks, is that I know I will sleep better and feel less tense after my walk.
    Originally posted by HairyHandofDartmoor
    a very brisk walk for a mile or so might ust be the easiest thing - not massive calories, but good for health and metabolism. Plus at its simplest its free and close to home (so long as its safe)
    Originally posted by mark88man
    Thanks both I agree, walking is the answer for me. Now, just to do it!
    Emergency fund 1060/1000
    NSD November 7/30
    • doingitanyway
    • By doingitanyway 9th Nov 18, 5:09 PM
    • 3,535 Posts
    • 19,561 Thanks
    doingitanyway
    Wow, dia, sorry to read about your builder. I got my gutters and facias done last week and it ended up £900 over budget! BUT I was kept informed, given two different choices (one was cheaper) and like you, shown photos of the state of my roof! I didnt brave a ladder, but tbh I could see the rotten batons from the ground they were that bad! Like you November is going to be a very tight month money wise!
    Originally posted by Drawingaline
    Thanks Drawingaline Well done on getting your gutters/fascias in before winter. My builder WAS a nightmare,and the extra cost was a sharp intake of breath, but the work is okay and I survived
    I'm intermittent fasting and I really enjoy it. I do aim to have an 8 hour eating window but it does depend when I finish work as sometimes it gets shortened a bit. I don't find myself being hungry at all and feel I make better food decisions. My dad has gone one step farther than me and does OMAD (one meal a day) and loves it.

    6 weeks until the sabbatical is great! Will give you time to sort through everything and decide where you stand.
    Originally posted by lonelyrat
    Thanks Lonelyrat Glad the IF is working for you.
    I really need the sabbatical it can't come soon enough
    How are you DIA you haven't been around for a couple of days, hoping the cold hasn't made you really unwell.
    Originally posted by Cumbria lass
    Thanks for checking with me Cumbria. I appreciate it.
    I've been a bit under the weather so I'went off grid for a few days
    Emergency fund 1060/1000
    NSD November 7/30
    • doingitanyway
    • By doingitanyway 9th Nov 18, 5:13 PM
    • 3,535 Posts
    • 19,561 Thanks
    doingitanyway
    plodding
    The last few days I have felt a bit down. In the early mornings I spend an hour or so just thinking about all sorts of stuff that I could do without thinking. I think the answer is just to get up straight away when I wake and do something...

    I know exercise would help but I keep putting this off and this frustrates me. I know what to do, it is just about the doing it. I want to build a more active life but I need to push through into action.

    I have kept going with the house as I want to keep up the momentum.

    The house is a mess generally but it is a bit of a mess rather than a disgusting mess.

    MSE
    On a new tariff and energy bill paid.
    Lots of WFH so saved a fortune on fares/coffees/food this week

    HOUSE
    Had an appointment with window company
    Had an appointment with squirrel man
    Chased extra external job for an appointment
    I cleared and swept the front garden

    DRUDGE
    Washed dishes at night and cleaned floor every night
    Kitchen hallway floors steam cleaned

    We have all survived the week and the weekend is here. Well done us
    Emergency fund 1060/1000
    NSD November 7/30
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Nov 18, 5:16 PM
    • 5,770 Posts
    • 40,825 Thanks
    HairyHandofDartmoor
    A good idea to get up rather than lie in bed thinking negative thoughts.

    The hardest thing with exercise is getting started. Can you have a star chart for yourself or some kind of rewards system to motivate you to go for walks?
    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.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • mark88man
    • By mark88man 9th Nov 18, 9:06 PM
    • 3,299 Posts
    • 6,893 Thanks
    mark88man
    Good luck finding your best walking spot / favorite route.

    Seriously how about spending £40 and getting a Nintendo wii with Wii sports or Wii fit on ebay. My OH used it for months back in the day before the kids moved onto other platforms. You can do walking, stepping and other things - I'm sure more modern things are available as well. The net result with winter and a bit of introversion you can ignore the world for a bit and just walk inside with the telly on. or howa about some green goddess or other Yoga/keep fit videos or one of those elaborate ab/toning devices you see on shopping channels - all of these are mainly cheap and totally private - you just need to decide which you do

    My theory is here is that exercise is important. you can get fresh air and mindfulness separately. Maybe a touch frivolous - sorry - but perhaps some elemnts of truth. The things I am suggesting range from marginally expensive to £1 in a charity shop - who knows which one will make you happy
    Last edited by mark88man; 09-11-2018 at 9:08 PM.
    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
    • doingitanyway
    • By doingitanyway 9th Nov 18, 9:44 PM
    • 3,535 Posts
    • 19,561 Thanks
    doingitanyway
    Good luck finding your best walking spot / favorite route.
    Originally posted by mark88man
    Thanks Mark88. I know what type of exercise would suit me, what the options are and how important it is. That is the frustrating part. It is the doing it that I am having a problem with. I'm sure I will find my groove soon
    Emergency fund 1060/1000
    NSD November 7/30
    • doingitanyway
    • By doingitanyway 10th Nov 18, 8:23 AM
    • 3,535 Posts
    • 19,561 Thanks
    doingitanyway
    countdown (cue the countdown music)
    A WFH day and then a few days off

    I still feel low and tired and my stomach is upset. I think this may all be connected to my cold as still disgustingly snotty.

    I now have 5 weeks to go before I go leave. The closer it gets the more difficult it is to keep going.

    I have to nail this exercise thing. I bought a cheap DVD but I need an attachment as DVDs are becoming old tech and I am attaching it to my new TV. It costs £10! I will look for some exercise DVDs in charity shops over the next few days.

    I’ve seen some hiking boots. They are mens, but start at size 6. Going to Marks tomorrow to track them down.

    Have a good day everyone
    Emergency fund 1060/1000
    NSD November 7/30
    • beanielou
    • By beanielou 10th Nov 18, 12:59 PM
    • 58,067 Posts
    • 239,166 Thanks
    beanielou
    Hope your cold improves very soon.
    5 weeks will just fly in
    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. MFW 2018. No 144
    • doingitanyway
    • By doingitanyway 10th Nov 18, 4:55 PM
    • 3,535 Posts
    • 19,561 Thanks
    doingitanyway
    Hope your cold improves very soon.
    5 weeks will just fly in
    Originally posted by beanielou
    Thanks Beanie. I hope you are right
    Emergency fund 1060/1000
    NSD November 7/30
    • doingitanyway
    • By doingitanyway 10th Nov 18, 4:58 PM
    • 3,535 Posts
    • 19,561 Thanks
    doingitanyway
    Wet and cold outside so I'm in for the evening. Really feel like a glass of wine and, or chocolate. Not having either. Going to claim a NSD instead.

    Hope everyone is warm and dry
    Emergency fund 1060/1000
    NSD November 7/30
    • doingitanyway
    • By doingitanyway 11th Nov 18, 5:05 PM
    • 3,535 Posts
    • 19,561 Thanks
    doingitanyway
    I forgot the voucher
    I walked 3 miles today. No excuses about right weather or shoes just wore jeans and trainers and got on with it. I really enjoyed it.

    I checked Marks for walking boots but didn’t like them.

    I wanted the gift set for some posh face products. They were on sale at Boots at half price and all the products were things I wanted. None left. So saved £35 there.

    I was tempted by a face cleanser and cloth but resisted.

    I spent £35 in Marks so I could use a voucher but forgot the voucher Most of the food was YS but I also picked up some half price port and some dark chocolate! I should be able to have lots of NSDs now as I spent so much

    I caught up with a friend on the phone and we made plans for over the christmas week

    Too much spending today, especially when I had already overspent with the builder, but I am putting it behind me. Onwards and upwards

    I hope you are having a lovely Sunday
    Emergency fund 1060/1000
    NSD November 7/30
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Nov 18, 6:36 PM
    • 5,770 Posts
    • 40,825 Thanks
    HairyHandofDartmoor
    Well done for going for a walk today and glad you enjoyed it . I do all my walks in trainers, with either jeans or tracksuit trousers. You don't need specialist clothing for walking unless you're climbing mountains.
    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.
    EMERGENCY FUND = £17
    "Tough times never last, but tough people do" - Robert H Schuller
    • doingitanyway
    • By doingitanyway 11th Nov 18, 7:37 PM
    • 3,535 Posts
    • 19,561 Thanks
    doingitanyway
    Well done for going for a walk today and glad you enjoyed it . I do all my walks in trainers, with either jeans or tracksuit trousers. You don't need specialist clothing for walking unless you're climbing mountains.
    Originally posted by HairyHandofDartmoor
    Too true. The walking boots are definitely a way of me procrastinating. That said my trainers are Summer ones with cutouts so not really 100% appropriate. If I can get the boots I can start walking in the country with proper walkers. Although that has been the plan for months now! In the meantime I will still be walking anyway
    Emergency fund 1060/1000
    NSD November 7/30
    • doingitanyway
    • By doingitanyway 12th Nov 18, 3:01 PM
    • 3,535 Posts
    • 19,561 Thanks
    doingitanyway
    overspending again
    I bumped into the son of a relative I haven’t been in contact for 5 years after a fallout. Lovely to see him. A relative of ours is very ill. Life is short so I bought the wine we used to drink and the snack we used to have and bought a card saying let’s put our differences behind us. I don’t know how she will feel about it but I am pleased with myself for doing it. £17 in total so not MSE but hopefully worth it.

    I ended up ordering the Clinique gift set online and picking it up today. I don’t want to encourage anyone but it includes moisture surge that costs £36 alone, add in lipgloss, mascara, all about eyes and take off the day and the worth is £116.00 I use all of those (given the chance) There was also a mirror that is great as an extra. The cost was £35.

    I hate to say it but I can’t bring myself to feel guilty

    I know I am overspending! Believe or not I am not overdrawn but this is because I have saved on fares by all this WFH

    I hope you are all having low spend, no spend, necessary spend days
    Emergency fund 1060/1000
    NSD November 7/30
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