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  • FIRST POST
    • benbenandme
    • By benbenandme 27th Dec 16, 7:03 PM
    • 10,287Posts
    • 26,421Thanks
    benbenandme
    Ready to do it all over again ...
    • #1
    • 27th Dec 16, 7:03 PM
    Ready to do it all over again ... 27th Dec 16 at 7:03 PM
    Hello, thank you for popping by

    I have been a regular on the debt free diaries board for years as well as dipping in here at times. I did join in Tallgirls Mortgage Free in 3 Challenge several years ago and have had several diaries over the years. This is the first time I've had one here though despite never actually being in debt I always felt it could happen oh so easily so treated myself as if I was a dfw.

    So, 2017 and my new diary here ...

    I have lived in my lovely flat with my ds (13) for the last 9 years and finally it looks as though we will be moving in the new year. I have sold my flat to a cash buyer and have had an offer accepted on a 2 bed little house. I will probably put stuff into storage and stay with my Mum for a few weeks while the house goes through as my buyers are very keen to complete asap and I don't want to risk losing them as I have already had one sale fall through due to brexit.

    Normally at this point between Christmas and New Year I begin planning my aims for the coming year, setting goals - usually financial related, and generally getting everything organised ready to tackle whatever I have planned. This normally is a £££ goal to knock off the mortgage etc.

    This year however everything is a bit unknown as I can't predict how much I can save etc at this point. But what I can do is take stock of exactly where I'm at now and make lists, I do like lists , of things I need to do to make as many pennies as possible / minimise spends where possible.
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4500 / £25,000
    Holiday Fund: £787 / £1800
Page 37
    • Betterthanever
    • By Betterthanever 7th Oct 17, 10:23 PM
    • 407 Posts
    • 2,199 Thanks
    Betterthanever
    I got lucky this morning and got a couple of 70 point surveys in the bag so was ok. But weekends are generally dire! Still, it all adds up!

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • benbenandme
    • By benbenandme 8th Oct 17, 6:57 AM
    • 10,287 Posts
    • 26,421 Thanks
    benbenandme
    Weekends are really hard to get any more than about 10 points in a day! I am trying to keep my daily target streak going as then you bag more points next month, I will need to get going earlier on it today, although if the bingo offer had tracked then I would have smashed it

    So, I woke up at my normal time, but I did bring the laptop upstairs last night so that I could stay in bed this morning. When I changed the bedding last night I put the big winter cover on over the duvet and the extra weight made me sleep like a baby last night
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4500 / £25,000
    Holiday Fund: £787 / £1800
    • benbenandme
    • By benbenandme 8th Oct 17, 9:19 AM
    • 10,287 Posts
    • 26,421 Thanks
    benbenandme
    Tesco order done, Swagbucks goal almost reached - I managed to bag a survey, it was tedious but necessary as that means that I just need to watch a few video clips later to hit today's goal Another round of Swago starts tomorrow so that should help this week a bit too

    So, my quidco money that should have arrived on tuesday isn't ready for paying out yet Hopefully that will come in this week at some point, but if not I still need to be looking for every way possible to hit my target.

    This morning I will get outside and do the car / garden jobs from my list, then ds will be home after lunch.
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4500 / £25,000
    Holiday Fund: £787 / £1800
    • benbenandme
    • By benbenandme 8th Oct 17, 11:12 AM
    • 10,287 Posts
    • 26,421 Thanks
    benbenandme
    Another productive morning, list updated below and I'm sitting down now for ten minutes

    All rubbish out DONE
    Empty dishwasher DONE
    Clear washing mountain DONE
    Ironing
    Clean ds bedroom DONE
    Clean my bedroom DONE
    Clean bathroom DONE
    Clean downstairs loo DONE
    Water indoor plants DONE
    Sort the central heating STILL WORKING ON IT ...
    Clean the marks off the carpet
    Hoover through
    Sweep floors DONE
    Buy lightbulbs and fit DONE
    Clear paperwork pile
    Reach Swagbucks target DONE
    Empty out handbag
    Sevearl trips to the tip DONE
    Tidy up front garden DONE
    Food shopping DONE
    Sort pots in the back garden DONE
    Sort garden furniture LEAVING TO DRY IN THE SUN THEN WILL COVER FOR WINTER
    Check banking
    Clean out the car DONE
    Buy petrol DONE
    Watch the Apprentice on catchup DONE
    Collect stuff from BootsTRY AGAIN MONDAY
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4500 / £25,000
    Holiday Fund: £787 / £1800
    • Betterthanever
    • By Betterthanever 8th Oct 17, 11:40 AM
    • 407 Posts
    • 2,199 Thanks
    Betterthanever
    I got my first goal quite easily but it wants 550 for my second......I don't think so!!!!

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • benbenandme
    • By benbenandme 8th Oct 17, 11:41 AM
    • 10,287 Posts
    • 26,421 Thanks
    benbenandme
    550 That's about a week's worth! I only go for the first one usually, unless they are fairly similar.
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4500 / £25,000
    Holiday Fund: £787 / £1800
    • Betterthanever
    • By Betterthanever 8th Oct 17, 5:22 PM
    • 407 Posts
    • 2,199 Thanks
    Betterthanever
    I know! I've done just over 150 today. I'm not going to bust a gut looking for many more?

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • benbenandme
    • By benbenandme 9th Oct 17, 6:51 PM
    • 10,287 Posts
    • 26,421 Thanks
    benbenandme
    The bingo offer has now credited, so £10 Amazon voucher claimed from swagbucks. The new round of swago has started today (a way of earning extra points), so if anyone is still thinking about joining plesae use my referral code, http://www.swagbucks.com/refer/bbandme
    as this will help me earn extra points

    Salmon for tea tonight, I have bled the radiators but still they won't work, I think I will have to admit defeat and call someone out
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4500 / £25,000
    Holiday Fund: £787 / £1800
    • benbenandme
    • By benbenandme 10th Oct 17, 5:41 PM
    • 10,287 Posts
    • 26,421 Thanks
    benbenandme
    Today was one of those manic days at work - I was in training for 4 hours and then another meeting for an hour, so none of my normal day stuff got done, so I will be playing catch up all day tomorrow

    However, tonight the tesco shopping came and has been put away, then I decided I was too cold, so went on checkatrade, phoned a local (rather cute) heating guy who came round and fixed my radiators in half an hour It was the water pressure in the boiler, which is in the loft, had got too low, so he sorted that and bled the radiators and now it's working again He charged me £40 for the callout, which can come out of my household budget, I put £100 away each month for unexpected household expenses such as this. When it has accumulated enough I will use some for new carpets / decorating etc, but I'm happy to dip into it for stuff like this. So, I now have warm rooms again and all is good with the world

    I'm almost at today's Swagbucks goal, so tonight will be a bath followed by dinner and chilling. Firstly I'm off to leave him a nice review on checkatrade though
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4500 / £25,000
    Holiday Fund: £787 / £1800
    • Betterthanever
    • By Betterthanever 11th Oct 17, 8:20 AM
    • 407 Posts
    • 2,199 Thanks
    Betterthanever
    Hurrah for heating being back on, and even more hurrah for cute guys to fix things!!

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • benbenandme
    • By benbenandme 11th Oct 17, 5:47 PM
    • 10,287 Posts
    • 26,421 Thanks
    benbenandme
    Hurray indeed, although he is married Still, was cute

    Today was another run of the mill kinda day, nothing major to report, I'm working towards today's swagbucks target, no unexpected money has turned up anywhere, I will mooch around later looking for some ways of finding some more pennies.
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4500 / £25,000
    Holiday Fund: £787 / £1800
    • Betterthanever
    • By Betterthanever 11th Oct 17, 8:21 PM
    • 407 Posts
    • 2,199 Thanks
    Betterthanever
    A bit of eye candy doesn't go amiss, does it! I'm lucky that I'm married to my silver fox eye candy.....but if I wasn't.........!!

    Current balance £114,744.64. Offset £2,151.73. £112,592.91 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22

    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • benbenandme
    • By benbenandme 14th Oct 17, 11:09 AM
    • 10,287 Posts
    • 26,421 Thanks
    benbenandme
    Morning all, I've had a couple of pretty tough days with ds /school again, but we've made it to the weekend and now I can chill and catch up a bit. The first load of washing is on the line, the second load is in the machine. The dishwasher is on.

    I've been out and got some bits and pieces for my Christmas shoe-box (just need to find a box now), I also picked up a Boots gift guide and an item I ordered from Boots to go away for ds stocking.

    Today will be mainly a recuperating kinda day, we break up for half-term next Friday so anything major can wait until then.

    This weekends list includes just the usual really:
    • Clear washing pile
    • Ironing
    • Clean bathroom
    • Clean bedrooms
    • Hoover through
    • Clean downstairs loo
    • Sweep / mop floors
    • Make a Dorset apple cake
    • Clear surveys from inbox
    • Christmas planning
    • Some schoolwork
    • Clear paperwork from coffee table and action it
    • Water indoor plants

    Alongside that lot I need to try and find some extra pennies
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4500 / £25,000
    Holiday Fund: £787 / £1800
    • benbenandme
    • By benbenandme 14th Oct 17, 11:15 AM
    • 10,287 Posts
    • 26,421 Thanks
    benbenandme
    Another £5 Amazon voucher ordered from Swagbucks
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4500 / £25,000
    Holiday Fund: £787 / £1800
    • beanielou
    • By beanielou 14th Oct 17, 6:35 PM
    • 49,064 Posts
    • 182,221 Thanks
    beanielou
    Sorry about DS/school.
    Keep plodding.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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***
    • benbenandme
    • By benbenandme 14th Oct 17, 7:51 PM
    • 10,287 Posts
    • 26,421 Thanks
    benbenandme
    Thank you Beanie, it's been a good day today - I've got quite a few things crossed off the list, we lost 1-0 but I was expecting a hammering today (Spurs) so am fairly happy with the result. After that we took the dog to the beach and bumped into a friend I haven't seen for a while, so that was nice KFC for tea and now I'm enjoying Strictly, curled up on the sofa with a very sleepy dog
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4500 / £25,000
    Holiday Fund: £787 / £1800
    • benbenandme
    • By benbenandme 15th Oct 17, 9:40 AM
    • 10,287 Posts
    • 26,421 Thanks
    benbenandme
    I'm currently chasing Nectar online as the extra £50 of points for the credit card offer haven't been added, I've waited the 6 weeks that it says they can take but still no sign of them. They are looking into it and will get back to me

    I've had my bath and today ds wants to go out on the bus, something we haven't done for ages actually, and something he used to love doing, so we'll see what today brings
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4500 / £25,000
    Holiday Fund: £787 / £1800
    • benbenandme
    • By benbenandme 15th Oct 17, 7:26 PM
    • 10,287 Posts
    • 26,421 Thanks
    benbenandme
    So we spent most of the day on the buses, followed by dinner at Mums. Not once today has ds been snappy or irritable, it's been the nicest day with him for as long as I can remember

    I'm not sure what made me do it, but I text his other Nanna (exs Mum) and told her everythings that's been going on with him. She had no idea at all, ex hadn't told her any of it (probably because he doesn't believe me ), she was shocked but very supportive. She isn't going to mention that she knows as it will cause arguments between them and probably me and him yet again, but I feel happier that she knows the truth of what's going on as ds is staying with her for a couple of nights in half-term.

    I popped into Primark while waiting for a bus and spent £36, I got ds some thermal vest / long johns for the winter for his paper-round, and 2 pairs of brushed cotton pj trousers. A pair of trousers and some tights for me and a cuddly toy for my xmas shoebox.

    Time now for Strictly then an early night, one more week then a week off
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4500 / £25,000
    Holiday Fund: £787 / £1800
    • blackcatsx2
    • By blackcatsx2 15th Oct 17, 7:34 PM
    • 66 Posts
    • 585 Thanks
    blackcatsx2
    Really pleased you had such a good day - it will have done you both the world of good. Thanks for the info on Shopmium - I'm enjoying a cup of green tea with sweet mint which was one of this week's offers for £1! Hope you have a good week
    • beanielou
    • By beanielou 15th Oct 17, 8:15 PM
    • 49,064 Posts
    • 182,221 Thanks
    beanielou
    Glad you were able to tell his Nana & she was so supportive.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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***
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