DFSD's motivational ramblings...

debtfreesomeday

Well it's a huge amount WABL - roughly 16K left to pay over two loans & a sofa HP thing; but by overpaying our loans from March, we will be able to clear one loan completely within 12 months - cutting the term by 5 years and getting rid of 8K of debt just on that loan!
The sofa payments (which are 0%) will also finish in September, freeing up another £103 a month to throw at the loan.
All going well, our snowball says we will only have £4.5K of debt this time next year, so a debt-busting year is ahead of us! :cool:

Chocs - did you see the secret millionaire in India programme in the week? There was a little boy featured whose story was very similar. His father had died and he now considered himself 'head of the house' at about 10 years old and was trying to support his mother and siblings. It was heartbreaking. We really don't know how lucky we are, do we.

debtfreesomeday

Still not much positive news on Mum at the moment, she is still poorly and the consultant apparently seemed to be a rather arrogant type who has pretty much fobbed her off again. :mad::mad::mad: How some people are ever allowed to be 'in charge' of another person's health and treatment is beyond me, especially when they have the bedside manner of a dung beetle and don't seem to see what is staring them in the face.

___

Onto money, and the bank account is looking out of shape today (much like it's owner:o) but that's because some bits I've allowed for in next month's budget have come out a couple of days early. It's no problem, it all balances out in the end. Hopefully.

My more promising ebay item is up to £25 this morning, the others about £5 in total, but one has 16 watchers and the other 5 so I'm hoping there'll be more interest in those soon. Two more don't have any bids, but I wasn't expecting them to sell really, will just relist if they don't. One has 1 watcher, so you never know.

Have just done a little survey, but seem to have lost my login details again for the rewards centre, so need to email them for those again sometime.

I have £20 due from Quidco too, but I can't find where they tell you what month it should be paid on the new Quidco. Have they got rid of that bit?

DFSD
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wantabetterlife

Hi DFSD, sorry your mum is no better, it must be awful for you.

I can remember at the start of your diary you had 27k in debt so to get it down to 16k is absolutely brilliant :j:j. I know you will reach your goal this year as you are so determind and focused . Just think how much disposable income you will have when this all over.... on second thoughts, hopefully it will be spent on childcare :D
WABL

debtfreesomeday

Thanks WABL, yes we're really pleased with how we're doing, although it never seems to be going down quick enough, but then I am quite impatient I guess. It was more like £33 - £35K before the days of 'diarydom' - it's shocking to think we were ever in that much debt, terrifying in fact. :eek:

Yes, the only thing that may hinder our loan overpayments is if little people come along in the meantime as we would have to save to stop overpaying and start putting that cash into savings to cover maternity leave instead. The debts would still be going down, just not as quickly as we'd like. We'll deal with that if and when it happens though, but we have realised if we want children we should probably start doing something about it before it's too late - we're not getting any younger!

DFSD
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debtfreesomeday

Short roundup as it's late / early - however you look at it!

Ebay items up to about £40 now, all ending tomorrow.

Been out for dinner at a friends house tonight, very lovely and nice to catch up with people.

Had 15 free spins on Jjoy, but only won 11p!

Tired and need my bed now!

over and out

DFSD
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debtfreesomeday

Things are looking great on the ebay front! I sold a buy it now for 9.99 inc postage, and three other items are now at nearly £60 between them. One item has no bids, but it is a bit od an odd one so didn't expect it to sell really.
They have a few hours left until the auction is over, but will surprised if they make any more than that.

Chocforever

Wow, you are doing well on Ebay . I won't ask how many times you will look at ebay today! My £6 item went through smoothly; nice buyer who left feedback straightaway. My two main things end tomorrow so it will be interesting to see what I get. I have a couple of very small specialist things for nominal amounts where I would just be pleased to see them go to another home rather than end up in the landfill.

I am extremely tired today. Just managed to summon up the energy to walk to the monthly market and got some meat for the freezer and bread and cheese. There are lots of things I could and should be doing, but I need an easy day so I think it is time to go for a coffee and a natter with friends and save the jobs for later.

debtfreesomeday

Hope you enjoyed the relaxing day Chocs, let the jobs wait - it is the weekend after all. The market sounds lovely by the way...

Good luck with the ebay items tomorrow, let us know how you do.

debtfreesomeday

I've made nearly £70 in total on the ebay items this week which I'm really pleased with. It will help the bank account this month for sure.

Have had a nice day today, quite relaxing and chilled but it has cost me a lot of money... this morning I actually bought myself some clothes! :eek: I spent £57 :eek: on 3 jumpers, and 6 tops, I only actually went to buy a pair of jeans as mine have developed a gaping hole in the thigh area. I do need to buy some jeans tomorrow, so am looking to spend a maximum of £20 on them, cheaper if I'm able to find some. I felt bad about spending so much on myself, but my lack of clothes was getting ridiculous. Hubby, of course, was trying to get me to go and buy some more, telling me to buy more expensive things, but until I'm a size I'm happy with and we have the money to spare, I really don't see the point in spending lots on lovely things. Trouble is, when I spend money it fuels the fire and I want to keep spending! (I didn't though...)

Went out for lunch with some friends today too, much needed bit of relaxation and de-stressing, but cost us £27 and that was the cheapest thing on the menu with a couple of soft drinks and a cuppa thrown in. I'm not at all happy about how much that cost us.

Also picked up some fruit and a couple of bits we'd missed off the shopping list, costing another £10, but that's coming out of the grocery budget.

I'm feeling a bit blue tonight. I found some of my uni work in the wardrobe today, and looking through it all reminded me of the enthusiasm and passion I had for my work back then. I also found a lot of the assessment sheets and 99% of my work was 'distinction' graded. There was a comment by a tutor on there which said 'work is of an amazing calibre, I have no doubt you'll go far and be extremely successful in this field'. I don't want to sound big headed or like I have a high opinion of myself because the truth is very far from that - I have a very low opinion of myself these days and absolutely no confidence in what I do - but back then I was good, and had a great future ahead of me. I could've gone far, but instead I'm stuck in a job I absolutely detest with no prospect of progression and absolutely no way out. I just want to excel in something, just one thing. I always envisaged myself as being a successful, career-minded person and thought I'd work my way to 'the top' (wherever that may have been!) in my 20s and 30s, but unfortunately it didn't work out that way and I feel like I've wasted a top-class education.

At our friends house last night, I was sat looking around their new house, thinking 'we will never have this' (they've just bought their dream 'family' house with bags of space and full of olde worlde charm). I don't mean the big rambling old house, so much, but more the chance to live our dream. Simply, we'll never have, or be ble to make, enough money. Don't get me wrong, I'm really happy for them, but some people just seem to muddle through life and always come up smelling of roses and others, like us, seems to have to struggle and settle for second best all the time.

Goodness I should really shut up now shouldn't I. I'm rambling on like a bitter old woman - no, I haven't been drinking either! Sorry peeps, just ignore me, I'm just having a 'down in the dumps' night.
DFSD
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yukkibear

Sorry you're feeling low. It sounds like you did brilliantly in your Uni course, is there no way you could change track and jobs to do something you love better?

Don't beat yourself up for buying clothes or going out for lunch. Clothes are avoidable. I seriously had to buy clothes before xmas as I was struggling through the same outfits as I didn't have anything and it was depressing.

Lunch well, you don't do it everyday and you can offset it with the ebay you're doing so well with.