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  • FIRST POST
    • benbenandme
    • By benbenandme 29th Dec 17, 5:01 PM
    • 10,366Posts
    • 26,809Thanks
    benbenandme
    2018 Benbenandme's Next Battle
    • #1
    • 29th Dec 17, 5:01 PM
    2018 Benbenandme's Next Battle 29th Dec 17 at 5:01 PM
    Hello It's that time of year for another new diary ... I'm not a newbie, I've been around these parts for years, never quite knowing whether I should be on here or the Mortgage Free boards, but after much consideration I have decided to return here for my next diary installment.

    I have previous chapters of my journey on here, but a brief history of my last ten years is as follows: I am a single parent to a 14 year old boy with ASD. I love him to bits, he is my whole world, but causes me a great deal of stress and worry too We have been living in a flat for the last 10 years and I have worked hard to clear my mortgage on it. In March this year we finally moved into a small house, which is lovely, and near my Mum. My brother lent me £30k to help get the house which is my 'debt' that I am paying back. The monthly budgets are stupidly tight, partly as I want to get it paid asap even though he is in no hurry for it back.

    Looking further ahead ds is in year ten so only has 18 months until his GCSE's. After this he wants to do an apprenticeship which, from a financial point of view, means my child benefit, tax credits and child maintenance will stop , meaning a drop in total income from approx £1900 to approx £1200 So, this year could potentially be my last one with this extra income, so I need to maximise the potential ...

    My next post will list my SOA and my plans for 2018, please stick around for the ride, all help, support and thoughts are appreciated and very much welcome
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £74
Page 4
    • benbenandme
    • By benbenandme 5th Jan 18, 8:08 PM
    • 10,366 Posts
    • 26,809 Thanks
    benbenandme
    Thankyou Ramble I'm not feeling very inspirational tonight, I just feel a bit

    I have reached my Swagbucks goal for today, I might get into bed with the laptop as I don't feel very positive tonight.
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £74
    • Auntyem
    • By Auntyem 5th Jan 18, 8:11 PM
    • 233 Posts
    • 247 Thanks
    Auntyem
    Sorry for your loss Benben

    When you have PM space I can send you some info on Lucky numbers.
    • benbenandme
    • By benbenandme 5th Jan 18, 8:25 PM
    • 10,366 Posts
    • 26,809 Thanks
    benbenandme
    Hadn't realised it was full, have deleted some
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £74
    • mummytogirls
    • By mummytogirls 5th Jan 18, 9:47 PM
    • 5,787 Posts
    • 20,138 Thanks
    mummytogirls
    Such sad news Benben, I hope the funeral goes as well as can xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • benbenandme
    • By benbenandme 5th Jan 18, 10:44 PM
    • 10,366 Posts
    • 26,809 Thanks
    benbenandme
    I'm not feeling thankful tonight although I know I should be. So here goes ...

    • I have wonderful memories of my friend, my favourite being the two of us went for a picnic in London, we hired a rowing boat on the Serpentine in Hyde Park and had our picnic, drank a bottle of wine and then couldn't row our way back to the side so they had to come and drag us in
    • My health and ds health
    • Being able to make the funeral on Sunday to pay my respects
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £74
    • Eager_Elephant
    • By Eager_Elephant 6th Jan 18, 6:44 AM
    • 4,162 Posts
    • 23,448 Thanks
    Eager_Elephant
    ((benben))

    So sorry to hear about your friend - I love that you are able to still find some gratitude's today and they include memories of your friend.

    I 2nd the poster above and hope the funeral goes as well as it can do.
    Ninja Saving Turtle No. 24 for January
    NSD - 8/18
    (up to 14/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • pennywisepoundstupid
    • By pennywisepoundstupid 6th Jan 18, 10:13 AM
    • 4,565 Posts
    • 14,972 Thanks
    pennywisepoundstupid
    So sorry to hear about your friend Benben,life is so precious.

    Hope the funeral goes ok.xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £189.00 General savings £150.20
    Clothes challenge £250/£36.63
    • benbenandme
    • By benbenandme 6th Jan 18, 12:08 PM
    • 10,366 Posts
    • 26,809 Thanks
    benbenandme
    So I managed a bit of a lie-in this morning, then heard the dustmen coming (normally on Thursdays but not back to normal yet since Christmas) so ran out of bed, own the stairs and stuck the bins out before even really opening my eyes properly

    So this morning is housework and catching up stuff, then this afternoon ds has got one of his young driver lessons, so we'll be out from about 3, then my friends party tonight.

    I've popped out and bought a couple of tops as not sure what to wear tonight - 1 was reduced to £7.99 the other was reduced to £3.50 so hardly splashed out

    I also popped into Aldi and got milk, bread, crisps, wine gums, ham, cheese and bacon, for a total spend of £9 so happy with that too. Recepits have all been scanned into shoppix, swagbucks daily goal has been met, time for some lunch then to crack on with other tasks
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £74
    • benbenandme
    • By benbenandme 6th Jan 18, 7:25 PM
    • 10,366 Posts
    • 26,809 Thanks
    benbenandme
    Been to ds driving lesson, got home, had a bath and got ready and about to go off to the party. I feel really unsettled and anxious at the moment, tomorrow is part of it I know. Hopefully tonight will be fin and take my mind off things for a bit. I ended up chipping in £20 towards a present for tonight which wasn't accounted for and am going to need to spend more than expected this month on petrol as there will be approx 6 hours driving tomorrow Needs must.

    My 3 reasons for today are:

    • Managed a lie-in
    • Just managed to get the bins out in time, would've been annoyes if the xmas recycling was missed for another fortnight
    • A rare night out tonight, hope it's a good one
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £74
    • beanielou
    • By beanielou 6th Jan 18, 8:19 PM
    • 49,440 Posts
    • 185,896 Thanks
    beanielou
    Hope your night goes well.
    Hope tomorrow goes as well as it can.
    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 Jan 18, 6:34 PM
    • 10,366 Posts
    • 26,809 Thanks
    benbenandme
    So, weekends nearly over. Last night was great, real good fun I didn't get to bed until 2.30 so was tired this morning. I had a 3 hour journey to do so left with 5 hours to spare which would give me time to get lunch before the funeral. All was going well for the first two hours then we came to a grinding halt on the M25 and didn't budge. There was an accident ahead that blocked the whole motorway and the air ambulance came. I managed to crawl about 40 metres in an hour and a half By the time I came off (along with half the world it felt like), the surrounding roads were also gridlocked due to the sheer weight of traffic, and despite trying my best it became clear I wasn't going to get there in time, in fact I'd be lucky to arrive an hour after it started. I had to make the decision to turn around and come home. I stopped at the services for some lunch then drove back. So 6 hours in the car and I didn't even get there. Gutted.

    I am shattered now, I've had a bath and will be in bed early tonight. Back to work tomorrow and I don't feel remotely rested. Just gutted I missed the funeral
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £74
    • benbenandme
    • By benbenandme 7th Jan 18, 8:40 PM
    • 10,366 Posts
    • 26,809 Thanks
    benbenandme
    So spends this weekend ... last night = £1 for the car park and £15 on drinks. Today = £40 on petrol, £6 on lunch £12 in Sainsbury's on the way home getting bits for lunches this week.

    My Sil's birthday is next week so I've ordered her present from Amazon, I will transfer the £20 from the gift fund into the 2018 fund.

    Today's 3 reasons ...

    • My car was reliable for my epic journey today
    • I got to listen to my choice of music in the car (doesnt happen if ds is with me)
    • Have managed week one of my Swagbucks daily goals for this month
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £74
    • Florence J
    • By Florence J 8th Jan 18, 8:27 PM
    • 1,843 Posts
    • 10,967 Thanks
    Florence J
    Oh BenBen&Me, I'm so sorry for your loss and the terrible car journey.
    Sealed Pot Challenge 11 #553
    £1000 Emergency Fund Challenge #253
    Wombling free 2017 = £2195.92
    Pay off all your debts by Xmas 2017 #53 (£3168.45/£3000)
    November 2017 Credit Card Debt: £3980
    • benbenandme
    • By benbenandme 8th Jan 18, 8:38 PM
    • 10,366 Posts
    • 26,809 Thanks
    benbenandme
    Thanks Florence, today has been an okay day, just a normal Monday really but it felt more like a Friday as I'm tired.

    I have only spent £2 today (milk for the office). I've almost reached my swagbucks goal for today, nothing much else to report. We've had dinner and it's bath-time now, then an early night for me
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £74
    • Eager_Elephant
    • By Eager_Elephant 8th Jan 18, 9:02 PM
    • 4,162 Posts
    • 23,448 Thanks
    Eager_Elephant
    So sorry you ended up missing the funeral - I hope you were able to take some time to yourself on Sunday to remember your friend in your own way.


    Sorry to be nosy again benben but can I ask a question about daily goals on SB? When you talk about reaching your daily goal is that the first one they give you or the second?
    At the moment I am just trying to reach the first one which is 30 and has been for over 2 weeks now, I don't even attempt the second goal.
    I am following a FB page that better mentioned and some people on there go for their 2nd goal every day - I saw one goal was over 1000 (the lady achieved it!!) and was just wondering what others do.
    Ninja Saving Turtle No. 24 for January
    NSD - 8/18
    (up to 14/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • benbenandme
    • By benbenandme 8th Jan 18, 9:22 PM
    • 10,366 Posts
    • 26,809 Thanks
    benbenandme
    Hi EE, no worries, I'm quite happy to chat Swagbucks stuff, I don't know anyone in real life who does it so it's fine to chat on here

    I try to reach my first goal so that I am staying on track for my winning streak. If I get the second goal its a nice bonus but it's not the be all and end all for me.

    I have picked up some hints and tips from Betterthanever on the MFW board, the best ones being:

    1. Join the facebook group called UK Swagbucks Prolific mintvine (carries on is a long name ....). They have tonnes of helpful tips on there for getting to goal
    2. download the various apps on your phone and let them play through during the day while at work, I mute my phone and leave it charging all day while it does them
    3. try and get a survey in fairly early in the day as there seem to be more available then
    4. I do try and do my daily to do list (on the right hand side of the homepage), most are quite easy (daily poll, search, crave etc). For discover I go on to adscend media and then click on any of those engageme tasks and leave it to play by itself while I get dinner / have a bath etc, it gets that one crossed off easily

    At the moment there is a new round of Swago started today, that's another good way of getting some extra points. If anyone is still thinking of joining Swagbucks please please please use my referral code and it will help me cross off another box on my list The code is http://www.swagbucks.com/refer/bbandme
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £74
    • benbenandme
    • By benbenandme 9th Jan 18, 8:46 PM
    • 10,366 Posts
    • 26,809 Thanks
    benbenandme
    So I've just realised I forgot to do my 3 reasons last night I will do today's though:

    • My bank switch bonus has been paid in today
    • I had to go to a meeting offsite first thing so had an extra hour at home this morning
    • When I returned from my meeting I managed to spot a fab parking space (normally if you're late in you have no chance)


    As mentioned above my bonus for switching banks has come through today, so that's £250 added into my brothers pot I also chased the csa as I haven't had that payment (again) and they have released it and it should now be on it's way to me.

    Today has been a nsd too which I'm pleased with. I can't believe it's still only tuesday but hopefully the week will start to go a bit quicker soon
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £74
    • benbenandme
    • By benbenandme 9th Jan 18, 8:53 PM
    • 10,366 Posts
    • 26,809 Thanks
    benbenandme
    I forgot, I also cashed out another £5 from swagbucks today
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £74
    • benbenandme
    • By benbenandme 10th Jan 18, 6:57 AM
    • 10,366 Posts
    • 26,809 Thanks
    benbenandme
    Morning, my second bank switch bonus has been credited this morning, so another £130 into my brothers pot A great start to the day Let's hope it continues ....
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £74
    • Eager_Elephant
    • By Eager_Elephant 10th Jan 18, 7:44 PM
    • 4,162 Posts
    • 23,448 Thanks
    Eager_Elephant
    Thanks for the info benben.

    I am also on better's diary and it was because of her that I brought a cheap smartphone to run the video apps, I have been taking it to work and letting it run through all day - usually by the time I get home I have met my target and then if I have any spare time I can start on the To Do list but if I don't have time then it doesn't matter as I have met target.

    I have also joined that Facebook group, some of them seem very hardcore!!!
    Ninja Saving Turtle No. 24 for January
    NSD - 8/18
    (up to 14/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
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