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  • FIRST POST
    • benbenandme
    • By benbenandme 27th Dec 16, 7:03 PM
    • 10,249Posts
    • 26,303Thanks
    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: £4012 / £25,000
    Holiday Fund: £495 / £1800
Page 32
    • benbenandme
    • By benbenandme 4th Sep 17, 4:12 PM
    • 10,249 Posts
    • 26,303 Thanks
    benbenandme
    Nope, not even heard of surveynetwork The survey sites I use are:

    Prolific, Pinecone research, valued opinions, yougov, mysurvey, panelbase, populuslive, pureprofile, swagbucks, ipsos, newvista, opinionbar, onepoll, globaltestmarket and crowdology.

    Some are better than others, but they all help
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4012 / £25,000
    Holiday Fund: £495 / £1800
    • benbenandme
    • By benbenandme 4th Sep 17, 7:39 PM
    • 10,249 Posts
    • 26,303 Thanks
    benbenandme
    So I've pottered around tonight, cleaned the kitchen, put the rubbish out, cleared all surveys from my inbox, cleared the ironing pile and am now sitting down to watch the footie
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4012 / £25,000
    Holiday Fund: £495 / £1800
    • benbenandme
    • By benbenandme 5th Sep 17, 5:01 PM
    • 10,249 Posts
    • 26,303 Thanks
    benbenandme
    Evening, another day at work survived, my year group start back tomorrow so it will be full on then

    Spends today = £10 on staff subs for the year and £10 topping up my canteen account at work.

    Tesco food shopping should arrive any minute now, then I'm looking forward to a bath and an early night tonight
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4012 / £25,000
    Holiday Fund: £495 / £1800
    • Betterthanever
    • By Betterthanever 5th Sep 17, 5:57 PM
    • 368 Posts
    • 1,515 Thanks
    Betterthanever
    Enjoy your soak. Almost half way through the week already!!

    Current balance £115,428.65. Offset £1,775.31. £113,653.34 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22
    Money for Nothing pot = £392.99
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • benbenandme
    • By benbenandme 6th Sep 17, 6:21 PM
    • 10,249 Posts
    • 26,303 Thanks
    benbenandme
    Ds had a meltdown last night so it ended up being quite a late night Luckily today has gone smoothly, hopefully tonight will be fine too.

    Today has been a nsd

    Nothing much else to add really, a chicken is roasting in the oven for dinner with rice and bbq sauce, there's a few surveys to do tonight and an early night waiting for me
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4012 / £25,000
    Holiday Fund: £495 / £1800
    • stressedaah30
    • By stressedaah30 6th Sep 17, 7:01 PM
    • 1,303 Posts
    • 10,919 Thanks
    stressedaah30
    hope you get your early night tonight
    JAN WINS- pepsi tshirt,
    • beanielou
    • By beanielou 6th Sep 17, 7:23 PM
    • 48,510 Posts
    • 178,584 Thanks
    beanielou
    Hope today is ok.
    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 7th Sep 17, 7:13 PM
    • 10,249 Posts
    • 26,303 Thanks
    benbenandme
    Nothing major to report today - it has been another nsd for which I'm thankful , I cleaned the kitchen and put the rubbish out when I got in, then we've had dinner (pasta, chicken and bacon, sweetcorn, peppers, mushrooms and onions with some philadelphia stirred in), then I've had my bath and put my pj's on and I'm chilling

    A few surveys need doing, some more cruise info needs reading up on and other than that I'll just see what takes my fancy
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4012 / £25,000
    Holiday Fund: £495 / £1800
    • benbenandme
    • By benbenandme 9th Sep 17, 9:23 AM
    • 10,249 Posts
    • 26,303 Thanks
    benbenandme
    Morning all, ds is on his way to his Dads, my bed has been stripped and remade, the first load of washing has just been hung out to dry. The plan for today involves going shopping with Mum to get something for my nephews birthday (tomorrow), then some housework and a footie afternoon. Then tomorrow will be food shopping and pottering until ds comes home again, hopefully there might be some pennies found in amongst that lot somewhere too
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4012 / £25,000
    Holiday Fund: £495 / £1800
    • benbenandme
    • By benbenandme 9th Sep 17, 9:29 AM
    • 10,249 Posts
    • 26,303 Thanks
    benbenandme
    Whoop whoop, the money I got from selling my festival tickets has arrived today, I've added it into the holiday fund and signature has been updated
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4012 / £25,000
    Holiday Fund: £495 / £1800
    • Betterthanever
    • By Betterthanever 9th Sep 17, 10:15 AM
    • 368 Posts
    • 1,515 Thanks
    Betterthanever
    Excellent news. Have a good day!!

    Current balance £115,428.65. Offset £1,775.31. £113,653.34 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22
    Money for Nothing pot = £392.99
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • benbenandme
    • By benbenandme 9th Sep 17, 12:23 PM
    • 10,249 Posts
    • 26,303 Thanks
    benbenandme
    Popped out with Mum for a bit, got a new washing up bowl, shower gel and a belgian bun. Mum added it all to the stuff she was getting so didn't cost me anything, and she is also cooking me roast lamb for dinner tonight

    Third lot of washing has just gone out, next lot about to go in the machine, ds bed has been stripped and remade too. Downstairs bathroom cleaned, dusted through, just need to hoover everywhere and unload the dishwasher.
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4012 / £25,000
    Holiday Fund: £495 / £1800
    • beanielou
    • By beanielou 9th Sep 17, 9:03 PM
    • 48,510 Posts
    • 178,584 Thanks
    beanielou
    Can you pretty please come & do my bed.
    Currently half done.
    Have run out of steam.
    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 9th Sep 17, 9:10 PM
    • 10,249 Posts
    • 26,303 Thanks
    benbenandme
    I would but I'm already in mine

    I watched Strictly then remembered my clean bed

    I did think Strictly was fab tonight but let's hope Shania Twain toddles back to wherever she's been since the 90's because that bit was cringeworthly awful
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4012 / £25,000
    Holiday Fund: £495 / £1800
    • benbenandme
    • By benbenandme 10th Sep 17, 12:25 PM
    • 10,249 Posts
    • 26,303 Thanks
    benbenandme
    Been food shopping this morning, spent £72 in Sainsburys but had various vouchers so it came down to £63 (I can claim £2.40 back from Shopmium), so £60 from shopping budget. I then popped into Asda and spent £17 but this included £5 of my nephews birthday present which will come from my gift fund, and £1.60 that will come back from shopmium, so £10 from my spends budget. Finally I bought petrol £40.

    So, off to update signature and move money around as necessary. I also have a £15 Amazon giftcard that will be for my nephews birthday too, again, the £15 will be transferred from the gift fund into my brothers account
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4012 / £25,000
    Holiday Fund: £495 / £1800
    • benbenandme
    • By benbenandme 10th Sep 17, 6:08 PM
    • 10,249 Posts
    • 26,303 Thanks
    benbenandme
    £10 Amazon voucher claimed from a survey site, this doesn't get added to my signature, once I spend it (assuming its on a gift), I will transfer the equivalent money from the gift fund into the savings pot.

    Roast lamb almost ready, nephews birthday present delivered, ironing done, after dinner it will be a nice hot bath and a relaxing evening
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4012 / £25,000
    Holiday Fund: £495 / £1800
    • benbenandme
    • By benbenandme 10th Sep 17, 9:16 PM
    • 10,249 Posts
    • 26,303 Thanks
    benbenandme
    Sold an item on ebay, reckon it will be about £12 after postage
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4012 / £25,000
    Holiday Fund: £495 / £1800
    • benbenandme
    • By benbenandme 11th Sep 17, 7:11 PM
    • 10,249 Posts
    • 26,303 Thanks
    benbenandme
    One of those days at work today ... glad it's done

    Chicken goujons in wraps tonight for dinner, then bathtime. I want to write a to do list for tomorrow at work so at least I have a plan for the day.

    I posted the ebay parcel and I was right about the £12 profit, so happy with that
    Mortgage Total: £75,000 £73,315 Mortgage End Date: May 2040
    Brother's loan: £4012 / £25,000
    Holiday Fund: £495 / £1800
    • Betterthanever
    • By Betterthanever 11th Sep 17, 8:06 PM
    • 368 Posts
    • 1,515 Thanks
    Betterthanever
    Monday done and dusted! Always a good thing. Well done on the money stuff!

    Current balance £115,428.65. Offset £1,775.31. £113,653.34 needed to be mortgage neutral!
    End date - 03/29 but aiming for 10/22
    Money for Nothing pot = £392.99
    Former DFW Nerd 230. Determined to be MF. Bring it on!
    • beanielou
    • By beanielou 11th Sep 17, 8:37 PM
    • 48,510 Posts
    • 178,584 Thanks
    beanielou
    Your tea sounded good.
    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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