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    • doingitanyway
    • By doingitanyway 31st Mar 18, 9:32 AM
    • 4,157Posts
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    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.
Page 62
    • redofromstart
    • By redofromstart 9th Jan 19, 4:13 PM
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    redofromstart
    Sounds like a very sensible investment in meal building blocks. Smoked salmon scrambled eggs has to be one of the best quick meals ever.
    • doingitanyway
    • By doingitanyway 9th Jan 19, 5:01 PM
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    doingitanyway
    Dare I ask where you got the scarf & gloves?
    Originally posted by beanielou
    I will pm you beanie. I made the mistake of posting on one of the the old style frugal thread about my attempt to live on £1,000 for my income monthly. Cue lots of remarks about how they are living on 50p and an apple every month, raising a family, a village of 600 on that sum. Blah, blah. I found it hurtful so don't want people looking at the clothes and doing a similar thing. I know I shouldn't care, anyway will pm you. It is an expensive company but in my defence the plan is to buy very high quality items (only in the sale) and making them last

    EDIT beanie please clear your inbox as it is full
    Sounds like a very sensible investment in meal building blocks. Smoked salmon scrambled eggs has to be one of the best quick meals ever.
    Originally posted by redofromstart
    Thank you Redo. I agree completely
    Last edited by doingitanyway; 09-01-2019 at 5:03 PM.
    • doingitanyway
    • By doingitanyway 9th Jan 19, 5:13 PM
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    doingitanyway
    we have lift off
    It was a good idea to get out of the house. My work went well at last.

    I also managed to write a letter to my friend in Oz and get it posted too.

    I bought a book in the charity shop. Whoops.

    The plan for tomorrow is to stay home now I have got going with my project. I am actually looking forward to doing it again tomorrow. I will prep the room so I can start immediately on waking. Tomorrow will also be a NSD.

    I wore my new coat/scarf out today and I noticed I got very good reactions from people, probably because I felt good. I even had a few men smiling at me and saying hello and I smiled and said hello right back. Just shows looking better makes me feel better

    Tomorrow I will do a walk but the focus will be on work and I don't mind that at all.

    I hope you had a good day too
    • beanielou
    • By beanielou 9th Jan 19, 6:03 PM
    • 61,839 Posts
    • 265,090 Thanks
    beanielou
    Sorry. PM box cleared slightly
    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.***
    • RosaBernicia
    • By RosaBernicia 9th Jan 19, 6:38 PM
    • 3,789 Posts
    • 11,171 Thanks
    RosaBernicia
    I made the mistake of posting on one of the the old style frugal thread about my attempt to live on £1,000 for my income monthly. Cue lots of remarks about how they are living on 50p and an apple every month, raising a family, a village of 600 on that sum. Blah, blah.
    Originally posted by doingitanyway


    Smug ****ers

    I found it hurtful so don't want people looking at the clothes and doing a similar thing. I know I shouldn't care... It is an expensive company but in my defence the plan is to buy very high quality items (only in the sale) and making them last
    Originally posted by doingitanyway



    I guess I also forget not everywhere is as supportive as DFW. It's your money and your choice how you spend it, frugal to me is as much about thoughtfully choosing exactly where you put your money for best value not just spending as little as possible regardless of the outcome.

    I'm wearing sale LK Bennett and recycled cashmere and I don't give a monkey's what anyone has to say about it, particularly if they are buying poor quality, slave labour disposable fashion that needs replacing rapidly and just adds to landfill.


    Rosa xx
    Debt free May 2016
    MFW progress 5.5% ...
    Campervan loan progress 18%

    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 19, 7:26 PM
    • 8,408 Posts
    • 64,891 Thanks
    HairyHandofDartmoor


    Smug ****ers






    I guess I also forget not everywhere is as supportive as DFW. It's your money and your choice how you spend it, frugal to me is as much about thoughtfully choosing exactly where you put your money for best value not just spending as little as possible regardless of the outcome.

    I'm wearing sale LK Bennett and recycled cashmere and I don't give a monkey's what anyone has to say about it, particularly if they are buying poor quality, slave labour disposable fashion that needs replacing rapidly and just adds to landfill.


    Rosa xx
    Originally posted by RosaBernicia
    I dislike smug judgmental people too . Your money, you choose how you spend it.

    I will pm you beanie. I made the mistake of posting on one of the the old style frugal thread about my attempt to live on £1,000 for my income monthly. Cue lots of remarks about how they are living on 50p and an apple every month, raising a family, a village of 600 on that sum. Blah, blah. I found it hurtful so don't want people looking at the clothes and doing a similar thing. I know I shouldn't care, anyway will pm you. It is an expensive company but in my defence the plan is to buy very high quality items (only in the sale) and making them last

    EDIT beanie please clear your inbox as it is full

    Thank you Redo. I agree completely
    Originally posted by doingitanyway
    I think good quality clothing is MSE because it lasts years and years. Much better than disposable fashion.
    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 £2,000
    "Tough times never last, but tough people do" - Robert H Schuller
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 19, 7:30 PM
    • 8,408 Posts
    • 64,891 Thanks
    HairyHandofDartmoor
    It was a good idea to get out of the house. My work went well at last.

    I also managed to write a letter to my friend in Oz and get it posted too.

    I bought a book in the charity shop. Whoops.

    The plan for tomorrow is to stay home now I have got going with my project. I am actually looking forward to doing it again tomorrow. I will prep the room so I can start immediately on waking. Tomorrow will also be a NSD.

    I wore my new coat/scarf out today and I noticed I got very good reactions from people, probably because I felt good. I even had a few men smiling at me and saying hello and I smiled and said hello right back. Just shows looking better makes me feel better

    Tomorrow I will do a walk but the focus will be on work and I don't mind that at all.

    I hope you had a good day too
    Originally posted by doingitanyway
    A new environment can be good for clearing the head and motivating you, well done for getting going .

    I also agree that nice clothes make you feel good and when you feel good you can move mountains . This is why my spending nemesis is clothes .
    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 £2,000
    "Tough times never last, but tough people do" - Robert H Schuller
    • doingitanyway
    • By doingitanyway 10th Jan 19, 5:32 PM
    • 4,157 Posts
    • 24,695 Thanks
    doingitanyway
    procrastination
    Thanks HH and Rosa for your helpful comments
    I do think investment clothes make sense for the purse, the planet and for me to feel and look less shabby. I will keep shopping this way.

    A poor night’s sleep last night full of scary dreams. I even decided to drive after drinking champagne because I was too wimpy to tell my sister I couldn’t give her a lift. I woke feeling guilty and then cross at my sister for encouraging me. Is it okay to be cross with someone for something they did in a dream?

    Clothes washed but not dried as the weather is damp.

    My fortnightly veggies box arrives tomorrow so I made a beef and veggie chilli to use up the butternut squash. I made quinoa too and froze 2 containers with half and half of each so I have 2 ready meals for days when I am in a CBA mood.

    I’m in the mood for junk food so I’m making spicy grilled chicken thighs with a finely cut up potato that I will add to the grill and pretend they are French fries.

    I’ll be working well into the evening today as I haven’t achieved much today work wise.

    That said I am working in a clean, decluttered, tidy room and there are very few dishes so the displacement and procrastination is a plus in some areas

    Wishing you all a lovely evening
    • beanielou
    • By beanielou 10th Jan 19, 8:22 PM
    • 61,839 Posts
    • 265,090 Thanks
    beanielou
    Thank you for the PM
    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 Jan 19, 10:08 AM
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    • 24,695 Thanks
    doingitanyway
    veggie box arrival :)
    I did poorly with my work yesterday so today I am going to the library. I need to renew my book but I also want to see if I can work from the study room.
    It is near a coffee shop so I can switch between the two maybe?
    It is cold and I don't like to use heating during the day so it will be nice to work somewhere warm
    I have to walk there so it gets my walk accomplished too (3 miles there and back)

    I will also take my parcel back to the PO on route.

    I am packing a lunch and taking it with me so I don't need to spend on food although today will not be a NSD as I need coffee and some more fruit.

    My veggie box came today. It is all good fresh veggies. It is working as I am thinking of veggie/vegan meals to use up the veggies.
    I think I will make veggie burgers today and have them with tahini sauce and a big salad.
    I will also make a soup, just general veggie soup.

    Reading Cumbria's diary where she is starting to use the library reminded me it was Beanie's persistence that got me back to the library too.
    I vote beanie in as Minister for Libraries!
    Have a good day everyone! We all made it to the end of the week
    Last edited by doingitanyway; 11-01-2019 at 10:10 AM.
    • redofromstart
    • By redofromstart 11th Jan 19, 4:44 PM
    • 2,306 Posts
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    redofromstart
    Like the library/coffee shop logic. Happy Friday, hope you have a good day too
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th Jan 19, 4:59 PM
    • 8,408 Posts
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    HairyHandofDartmoor
    Beanie would make an excellent Minister For Libraries .

    I hope working in the library/coffee shop (or both) helped you to get lots of work done. I can see that there would be less distractions, so if it enables you to get work done then I would say it's worth the expenditure on coffee. Plus you get your walk in so it's win win .
    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 £2,000
    "Tough times never last, but tough people do" - Robert H Schuller
    • greenbee
    • By greenbee 11th Jan 19, 5:11 PM
    • 13,092 Posts
    • 224,390 Thanks
    greenbee
    Like the library/coffee shop logic. Happy Friday, hope you have a good day too
    Originally posted by redofromstart
    Although it's probably cheaper to put the heating on all day that pay for a coffee...

    however, I haven't left the house all day and as a result haven't had any exercise. So library and coffee shop might have been a better option for me!
    • beanielou
    • By beanielou 11th Jan 19, 5:19 PM
    • 61,839 Posts
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    beanielou
    Happy bibrary day.

    I wasent the library monitor for nothing you know
    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 12th Jan 19, 10:07 AM
    • 4,157 Posts
    • 24,695 Thanks
    doingitanyway
    A dark day so lights on during the day again. I hate the gloom

    Yesterday went well. Thanks beanie, redo, HH, and greenbee, the coffee shop/library logic worked a treat. I must remember to leave the house when work isn’t flowing. I was lucky in the library as I found a desk to work from. I was so settled I did not use the coffee shop at all. So, several solid hours of work achieved!

    I am happy to report a 3 mile walk yesterday. I had a sore knee due to inflammation but I still walked. Today it is better, so sometimes pushing through and not resting is the best thing to do.

    I like that it is possible to do niggly tasks on the way to the library as it is near shops and the post office. This might turn into a routine.

    I will be having a NSD today. 6/15 so on track.

    I am starting to get nervous about the window work on Monday so I will keep busy today so my thoughts don’t escalate.

    I will go for a walk at some stage.

    I will make some veggie soup. Making soup always balances me out, I can always freeze extras. Might try the veggie burgers that I keep thinking of making but never do.

    Have a good Saturday everyone
    • mark88man
    • By mark88man 12th Jan 19, 10:33 AM
    • 3,793 Posts
    • 8,692 Thanks
    mark88man
    Working out of non traditional spaces (home/office) is quite the thing these days. Planes, trains, automabiles, offee shops, hotel lobbies, etc I've done them all. Although not a library actually!! Must try harder
    Things happen for a reason. Often the reason is we are stupid & make bad decisions.
    Weight/Health - Fluctuating - better than I was worse than I should be
    End 18: CC:8K@0% - Car Loan:11K@2.8% - Mort:133K@2.1% = £152K
    Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018:£20K

    • doingitanyway
    • By doingitanyway 12th Jan 19, 10:52 AM
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    • 24,695 Thanks
    doingitanyway
    Working out of non traditional spaces (home/office) is quite the thing these days. Planes, trains, automabiles, offee shops, hotel lobbies, etc I've done them all. Although not a library actually!! Must try harder
    Originally posted by mark88man
    Thanks Mark88, I am used to working in non traditional spaces too. The trick is to find a place to work in where you can work and not have to spend money on several coffees. I also don’t want to spend money on travel to get there. I got lucky at the library but it was not in the study area (small and crowded) I found a chair elsewhere in the library with a table. The only one! I doubt that luck will hold day in and day out.
    Next week I will be exploring other options
    • beanielou
    • By beanielou 12th Jan 19, 4:48 PM
    • 61,839 Posts
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    beanielou
    Glad that the library worked out well for you
    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.***
    • lonelyrat
    • By lonelyrat 13th Jan 19, 12:00 PM
    • 559 Posts
    • 1,622 Thanks
    lonelyrat
    Just shows looking better makes me feel better
    Very true! I far prefer spending money on things that I know will last that I do genuinely love/ feel confident in. I do sometimes get the odd bits and pieces in Primark but they always wear out really quickly. I'm sure I read about charity shops having to reject some clothes from the likes of Primark as the quality was too poor to sell on.

    Better to spend a bit more and know you have something you really like that will last you. I echo the people saying that it's more MSE that way. Also you waited till what you wanted was in the sale, so really very sensible.

    Some people can be very judgy when there's no need!

    Hope tomorrow goes well with the window work
    Total Debt : ?? / 7266.93
    Weight Loss: ?? kg / 45kg
    • doingitanyway
    • By doingitanyway 13th Jan 19, 12:04 PM
    • 4,157 Posts
    • 24,695 Thanks
    doingitanyway
    Very true! I far prefer spending money on things that I know will last that I do genuinely love/ feel confident in. I do sometimes get the odd bits and pieces in Primark but they always wear out really quickly. I'm sure I read about charity shops having to reject some clothes from the likes of Primark as the quality was too poor to sell on.

    Better to spend a bit more and know you have something you really like that will last you. I echo the people saying that it's more MSE that way. Also you waited till what you wanted was in the sale, so really very sensible.

    Some people can be very judgy when there's no need!

    Hope tomorrow goes well with the window work
    Originally posted by lonelyrat
    Thanks lonelyrat. I know things have been tough for you lately so thanks for taking the time to post. I am feeling very nervy about the window work tomorrow but hopefully it will all go well and I can breathe out on Tuesday
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