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  • FIRST POST
    • benbenandme
    • By benbenandme 29th Dec 17, 5:01 PM
    • 10,376Posts
    • 26,831Thanks
    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 £79
Page 5
    • benbenandme
    • By benbenandme 10th Jan 18, 8:39 PM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    This week is dragging sooo slowly
    Today was fine, nothing memorable but all okay. I spent £7.50 in Sainsburys tonight on batteries for ds bike lights and a couple of other bits. No other spends to report today.

    I've done my swagbucks goal, the house is a tip but I'll blitz it at the weekend

    Still chuffed about both bank offers paying out, that was a nice chunk crossed off the list of expected earnings for my brothers fund. This weekend I want to move money about and check on all the banking stuff.

    My three reasons today are:

    1. It was still daylight when I left work, made me feel really positive!
    2. We are at least over half way through the week now ...
    3. I opened a yummy M&S box of Belgian chorcolate biscuits ... a yummy xmas leftover that was much appreciated now the cupbards are back to the noraml usual dull stuff
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • beanielou
    • By beanielou 10th Jan 18, 9:12 PM
    • 49,570 Posts
    • 186,672 Thanks
    beanielou
    Good news on the bank money
    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 10th Jan 18, 9:42 PM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    Whoop whoop, just logged in to one of my betting accounts to see if a refund had been made and decided to have a naughty spin on a slots game and won £41
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • beanielou
    • By beanielou 10th Jan 18, 9:43 PM
    • 49,570 Posts
    • 186,672 Thanks
    beanielou
    Blimey, you are on a roll
    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 11th Jan 18, 9:36 PM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    Another run of the mill kinda day, one step nearer to the weekend

    Spends today £4.80 on fish and chips for tea, my 3 reasons today are:

    • A colleague treated me to a yummy latte at break time today, greatly appreciated!
    • An early night
    • I managed to leave work on time today!
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 12th Jan 18, 6:03 PM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    So it's 6pm on friday night, we've finally made it to the end of the week I don't have any plans for tonight other than pj's and chilling on the sofa

    Ds should be at his Dads this weekend, but once again he hasn't got ds' train ticket sorted (gets them free through work), so ds is staying at home. I'm more than happy for him to be here but at no point does his father bother to ask if its convenient

    So tomorrow I'm having the adverts attached to the car, then Sunday there is footie on the telly
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 12th Jan 18, 10:04 PM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    My three reasons today are:

    • It's Friday!!
    • I spoke up at a child protection conference for the sweetest child I know
    • No alarm clock needed tomorrow
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 14th Jan 18, 10:09 AM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    I forgot to list my 3 reasons last night, I did them verbally with ds but forgot to put them on here, sorry. Today is quite chilled but I do have quite a list of bits and pieces to plough through so I think I need a list to keep me on track:
    • Washing
    • Ironing
    • Footie on Sky
    • Car headlight bulb needs sorting
    • Ds bike light needs sorting
    • Ds homework
    • Visit a localshop thats closing down
    • Go tot rain club with ds
    • Birthday card - buy and post for sil
    • Recycle xmas lights and batteries at Sainsburys
    • General housework
    • School work
    • Defrost beef for casserole tomorrow
    • Check on banking
    • Roast dinner
    • All recycling / rubbish out
    • Buy a Daily Mail from sainsburys - get 1000 free nectar points (£5)
    • Look for travel insurance
    • Reach todays Swagbucks goal
    • Fill up windscreen wash

    So far this morning I've done one load of washing, cleaned the hall and downstairs loo. I keep trying to do the lounge but ds and the dog seem to have other ideas
    Last edited by benbenandme; 14-01-2018 at 12:43 PM.
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 14th Jan 18, 11:59 AM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    Ticking along nicely so far - I've cleared the washing basket, tidied and cleaned the conservatory, been to the local shop and got ds a new winter duvet reduced to £7 , been to Sainsburys and they have got rid of the xmas light recycling bit (was there yesterday evening), so they ended up going in the normal bin. I did recycle the batteries and posted on the post for the lady who used to live here. They had sold out of Daily Mails so missed out on those nectar points I did also spend £4.50 on squirty cream and food recycling bags.
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 14th Jan 18, 8:40 PM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    What a fab day for footie fans, particularly Bournemouth ones
    That put my in a good mood today, I've pottered on and off all day, haven't finished my list but there's nothing on there that can't wait another day or two.

    Washing DONE
    Ironing DONE
    Footie on Sky DONE AND IN SUCH FABULOUS STYLE
    Car headlight bulb needs sorting DONE
    Ds bike light needs sorting STILL NAGGING
    Ds homework DITTO
    Visit a localshop thats closing down DONE
    Go tot rain club with ds
    Birthday card - buy and post for sil
    Recycle xmas lights and batteries at Sainsburys DONE
    General housework DONE
    School work
    Defrost beef for casserole tomorrow DONE
    Check on banking
    Roast dinner DONE
    All recycling / rubbish out DONE
    Buy a Daily Mail from sainsburys - get 1000 free nectar points (£5) TOO LATE
    Look for travel insurance HALF-HEARTEDLY
    Reach todays Swagbucks goal 4 TO GO
    Fill up windscreen wash
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 14th Jan 18, 8:44 PM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    So my three reasons today are:

    • A fabulous three points today by beating Arsenal
    • Being lucky enough to have a fab friend who is a mechanic and can sort my car headlight for free for me
    • A lie-in!
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • blackcatsx2
    • By blackcatsx2 14th Jan 18, 9:40 PM
    • 92 Posts
    • 855 Thanks
    blackcatsx2
    I was cheering on Bournemouth today, excellent 3 points for you and beating arsenal is guaranteed to make a Chelsea fan smile. And city losing just makes the smile even wider.
    You are doing brilliantly on building up your brothers fund - amazing
    • benbenandme
    • By benbenandme 14th Jan 18, 10:16 PM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    Thank you Blackcats, I'm so proud of our team, 9 years ago we were 91st out of 92 teams in the football league. Now we're enjoying our third season in the Premier League, beating Arsenal
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 15th Jan 18, 5:14 PM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    A nice straight forward kinda Monday today - work was fine, ds had his Camhs appointment, all fine there. I spent £3.50 on lunch on the way back as I was so hungry and it would be too late to get anything at work.

    I've hit today's Swagbucks goal, I stuck a beef casserole in the slow cooker this morning and it was lovely to walk in the door and smell dinner cooking

    So, I've stuck a couple of jacket potatoes in the oven to go with it and I'm going to go and have my bath now to warm up a bit, then I can stick my pj's on and have a lazy evening and an early night. I will try and cross a couple more bits and pieces off of my list tonight too.
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 15th Jan 18, 7:08 PM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    £5 cashed out from Swagbucks, this time I went for an Amazon voucher as my vouchers there are running a bit low and I do buy tonnes from there throughout the year, so it seemed better value for now.
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 15th Jan 18, 9:22 PM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    My 3 reasons to be thankful today are:

    • Being able to park right outside Camhs building ...usually have to park a ten minute walk away
    • The smell of dinner cooking when I walked in from work
    • My water bill came and my account is in credit
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 16th Jan 18, 7:44 PM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    A busy busy day at work today, nipped to Sainsburys on the way back, spent £16 but got a few reduced meals for the freezer.
    Nothing moneymaking happening today, my three reasons today are ...

    • Ds has actually been pleasant all day
    • Reduced bargains in Sainsburys tonight
    • Looking forward to an early night
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 16th Jan 18, 9:09 PM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    Ds wanted a headset for his computer, so I ordered it for him from Amazon and he's paid me the £19 back in cash. I had £16 in Amazon vouchers so I can transfer that to my 2018 fund pot
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • benbenandme
    • By benbenandme 20th Jan 18, 9:28 AM
    • 10,376 Posts
    • 26,831 Thanks
    benbenandme
    Well it's been a funny old week - a bit hectic and I haven't managed to update on here for a few days.

    Ds has had a couple of meltdowns which has resulted in him deciding to quit his paper-round The early mornings and stress of getting it done and getting to school on time have proved too much for him. He has talked about giving it up for a while but I've battled to keep him going but since we moved house it is a much longer journey for him to get to the newsagents so I knew this was inevitable sooner or later.

    Then yesterday happened - a fantastic day for two reasons;

    1. We got a call at school from a local business who are looking for a student to work a few hours afterschool during the week. Turns out it is on an industrial estate near us (ds could cycle there), it wouldn't involve working weekends so ds could still visit his dad - it sounds perfect, so rather than publicise it at school we prepped ds, practised making a phone call which is a huge no-no for him ... and he did it!! He phoned up and has to pop in to meet the guy on tuesday after school, fingers crossed it goes okay as this could be perfect for him

    2. For Christmas my bestie bought me a ticket for a 3 course meal and then a 70s/80s disco at a nice hotel ... looking at the pictures on the website it seems you were required to dress for the era. We wanted to be sure so phoned up yesterday to check and they said yes, most people do dress up for it. So we all donned our leg warmers, fingerless gloves etc and I backcombed my hair to within an inch of it's life ... and walked into the room full of about 200 people to find everybody else were wearing normal clothes We were given two free bottles of prosecco and got a round of applause from everyone there ... total humiliation but it made for the best night ever, we didn't care, we had a ball

    So, after a very late night I'm feeling very sluggish today, ds has gone to his Dads and I'm planning a very lazy kinda day
    Mortgage Total: £75,000 £72,890 Mortgage End Date: May 2040
    Brother's loan: £10,250 / £30,000
    2018 Fund £79
    • Eager_Elephant
    • By Eager_Elephant 20th Jan 18, 2:18 PM
    • 4,169 Posts
    • 23,510 Thanks
    Eager_Elephant
    Good news on DS' potential new job.

    I cant believe that no one would dress up if they were going to a 70/'s/80's disco - I love any excuse to dress up!!!
    Ninja Saving Turtle No. 24 for January
    NSD - 11/18
    (up to 17/01/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
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