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Just the three of us - new beginnings!
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Right on paper the figures all work :T although its going to be tight I think we will be ok.
I think the key to this working is me being organised and ensuring everything is paid for on time as I have had tendencies to forget payments
Bringing in extra money is also essential so that I can clear the debt faster and have a few little luxuries for me and my little girl.Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
Hi doodledoo,
A new diary sounds like a great idea. Did you ever hear back from AQA?Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Nope never heard back a thing :mad:Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
That's so annoying. Think I read somewhere on a thread here that there is a backlog because one of the admin is gone off on maternity. If you submitted the test though they should be getting back to you.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
I do wonder if its because I have failed it before.
Very infuriating as I am sure I could do it and it would fit in perfectly with my life but obviously I am not what they are looking for. !!!!!!s!Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
Don't think it would be because you failed before because my OH failed at his 1st attempt but then passed the 2nd? It's such a shame cos it would be perfect for you.
How did the trip to London go yesterday? My friend texted me and said the lights are gorgeous.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Hi again
Just a few more ideas..
Is mystery shopping an option? I'm not part of qype but on the £10 a day thread some people seem to be earning quite a bit thro that... It all helps. Have you explored the cashback sites and gambling loopholes yet? You do have to wait to get the money back tho - some I am still waiting for from August so tend to only do 1 or 2 of those a month (£10 stakes) but I have had some good wins - just this week I have won over £50 on a £10 stake where I get nearly £30 back from the cashback site. If you can afford to wait for it (and are unlikely to become addicted ie have enough self control to withdraw once you've met the wager requirements) then it can be worth it!
There are free scratch cards as well which are nice little earners... You really can get money for almost nothing if you are disciplined enough...
If you are not yet part of the £10 a day challenge - I recommend that you join it certainly helps me get luxuries I couldn't otherwise afford ie xmas pressies and helps me stay on track with debt repaymentAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/250 -
I am registered with some of the mystery shop sites but they seem to be few and far between in my area, have number 4 lined up for a fortnights time.
I have just started on the scratch card thing today so hoping to raise a few pennies there.
I have been tempted with the match betting but no matter how many times I read it I seem to lose the plot. I naturally thought I would be ok with it as I have quite high qualifications in Maths and embarassingly work in statistics but I just have never got my head round it.
Maybe I should look again as I definately wouldn't mind investing a little to gain more.
I have never fully took part in the £10 a day challenge but think in reality I need to.Proud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
clearmydebts wrote: »Don't think it would be because you failed before because my OH failed at his 1st attempt but then passed the 2nd? It's such a shame cos it would be perfect for you.
How did the trip to London go yesterday? My friend texted me and said the lights are gorgeous.
We had a brilliant time although didn't manage to do everything we wanted to so may go back again before Xmas as still have some vouchers to use.
The meal was lovely, it was certainly an experience but my little girl loved it and the lights were so pretty. Bless she is only 3 and when I asked her what was the best thing I assumed it would be the lights or seeing Santa but no it was having a packet of crisps whilst on the undergroundProud to be dealing with my debts - DFW No: 712
03/09/09 - DEBT FREE AT LAST
Racing Hypno to Save - £10/£50000 -
Ha ha! That is fantastic. Kids are brilliant, they come out with the funniest of things! I'm really glad you had a good time.
Did you join dooyoo yet? I have found that brilliant for getting Amazon vouchers for Xmas and birthday presents. You can also cash them in for money.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340
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