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2009 WILL Be My Debt Free Year

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  • saver03
    saver03 Posts: 651 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Once again I didn't finish all my jobs for yesterday :mad: so I am carrying them over to today. This seems to be becoming a habit :mad: and one that I really need to break if I ever want to get caught up on my college work. Plus I am away for the next 2 days so won't get a chance to do anything. We are going to London tomorrow morning and coming back on Tuesday, late afternoon. It's a college thing so it's compulsory but we only paid £40 and that is for the return train, hotel room and theatre tickets. I am taking a packed lunch for the train tomorrow and I am hoping not to spend too much either.

    I have transferred £10 from my interbingo account from the free scratchcard :j that was before I could try to double it on blackjack and then lose it all like I did last time :mad: I must make sure I do the scratch card everyday as even if it is only 10p most days it does soon add up and as they say every little helps.

    Today's jobs
    • [STRIKE]Daily clicks[/STRIKE]
    • [STRIKE]Free scratch card[/STRIKE]
    • Do final draft of design for leaflets for T.I.E / Devising
    • Contemporise Shakespeare monologue
    • Pack for London
    Well I must go and get my jobs done as I would like to go to the cinema tonight but I won't go unless I finish all my jobs.
    LBM 14/12/06 £21,947.17 DEBT FREE 12/04/09
    MFW - December 2010 £76,199 - 4th February 2021 £37,360.90
  • saver03
    saver03 Posts: 651 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    We have decided not to go to the cinema as I am far too tired and just cannot be bothered. Plus, I spend a lot of time there working so don't want to spend all my free time there too.

    I made great progress with my list and I am very pleased with myself for actually completing it. Wish I could do that everyday though.

    Today's jobs
    • [STRIKE]Daily clicks[/STRIKE]
    • [STRIKE]Free scratch card[/STRIKE]
    • [strike]Do final draft of design for leaflets for T.I.E / Devising [/strike]
    • [strike]Contemporise Shakespeare monologue[/strike]
    • [strike]Pack for London[/strike]
    LBM 14/12/06 £21,947.17 DEBT FREE 12/04/09
    MFW - December 2010 £76,199 - 4th February 2021 £37,360.90
  • saver03
    saver03 Posts: 651 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    TO DO LIST (before the end of term 1st April) :eek:
    • [strike]Send off reply slip to mmu
    • Cancel old home insurance
    • Send off signed new home insurance
    • Confirm direct debit details for insurance
    • Evaluation for movement
    • [/strike]Log book for movement train piece
    • [STRIKE] Voice workbook
    • Log book for voice[/STRIKE]
    • Log book for Hobson's choice
    • Actor skills audit
    • Director skills audit
    • F.O.H skills audit
    • [strike]Choose monologues for auditions
    • Organise living room trunk
    • Organise college folders
    • [/strike]Read "Top Girls"
    • Read "Henry VI part 3
    • Log book for performance workshop
    • Log book for dance/movement
    • Log book for acting
    • Read An Actor Prepares
    • Read The Actor and the Text
    • Read The Right to Speak
    • Read The Actor Speaks
    • Read The Year of The King
    • Read Playing Shakespeare
    • [strike]Storyboard T.I.E
    • Highlight research
    • Send off phone bill for cashback
    • Type up job list T.I.E
    • [/strike]Log book for singing
    • Log book for T.I.E / Devising
    • Type up script for T.I.E / Devising
    • [strike]Do final draft of design for leaflets for T.I.E and Devising[/strike]
    • [strike]Contemporise Shakespeare monologue [/strike]
    • Write Nat's monologue for T.I.E / Devising
    Todays must do list
    • Write Nat's monologue for T.I.E / Devising
    • Type up script for T.I.E / Devising
    I am only setting 2 targets today as they ill take quite a while and I do want to complete the list as it keeps my motivation up. I can always do more anyway.

    Well I must dash as most of the day has gone and I still have lots to do :o
    LBM 14/12/06 £21,947.17 DEBT FREE 12/04/09
    MFW - December 2010 £76,199 - 4th February 2021 £37,360.90
  • saver03
    saver03 Posts: 651 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    As I have done a few jobs off my list and I have some more to add I have deleted the completed jobs before the list gets far too big!

    TO DO LIST (before the end of term 1st April) :eek:
    • Log book for movement train piece
    • Log book for Hobson's choice
    • Actor skills audit
    • Director skills audit
    • F.O.H skills audit
    • Read "Top Girls"
    • Read "Henry VI part 3
    • Log book for performance workshop
    • Log book for dance/movement
    • Log book for acting
    • Read An Actor Prepares
    • Read The Actor and the Text
    • Read The Right to Speak
    • Read The Actor Speaks
    • Read The Year of The King
    • Read Playing Shakespeare
    • Log book for singing
    • Log book for T.I.E / Devising
    • Learn Goneril monologue
    • Learn Henry V prologue
    • Read King Lear
    • Research Henry VI
    • Research King Lear
    I have my first audition for Drama school next week :eek: I am SO SO nervous. When I first got the letter it seemed like it was ages away and now suddenly it is here :eek: I have paid my train fare and am staying with my friend so in theory shouldn't need too much money. I may just take cash and leave my bank card with my mum as if I leave it with OH he will draw money out :mad: and if I take it I may spend more than I need to :mad:

    On the plus side my wage this month should be more than usual as I worked a lot during my week off college so I must budget early on and see if I can put any extra in my isa. I am hoping to get quite a bit saved up and then give my mum a cheque before my DFW date and surprise her.

    Well must dash as I am working tonight. It's only 4 hours but every little helps. :p
    LBM 14/12/06 £21,947.17 DEBT FREE 12/04/09
    MFW - December 2010 £76,199 - 4th February 2021 £37,360.90
  • bobbadog
    bobbadog Posts: 1,606 Forumite
    Hi ya! Hello - i've bee following your thread and think you're doing very well, Take the time management thing one step at a time...
    Just a thought, you mention being tired and needing an early night - are you sure you are getting good *quality* sleep, like? Maybe get some ear plugs or black out curtains to help with your 8 hours x
  • saver03
    saver03 Posts: 651 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Well I did want to have completed my job list before we broke up for Easter but that has not happened :mad: I am off college now for nearly 3 weeks but I do have A LOT of work to do so I really need to prioritise and just make sure I use my time effectively. Plus, I have got even more to do now so I better get busy.

    TO DO LIST
    • Log book for movement train piece
    • Log book for Hobson's choice
    • Actor skills audit
    • Director skills audit
    • F.O.H skills audit
    • Read "Top Girls"
    • Read "Henry VI part 3
    • Log book for performance workshop
    • Log book for dance/movement
    • Log book for acting
    • Read An Actor Prepares
    • Read The Actor and the Text
    • Read The Right to Speak
    • Read The Actor Speaks
    • Read The Year of The King
    • Read Playing Shakespeare
    • Log book for singing
    • Log book for T.I.E / Devising
    • [STRIKE]Learn Goneril monologue [/STRIKE]
    • Read King Lear
    • [STRIKE]Research Henry VI [/STRIKE]
    • [STRIKE]Research King Lear[/STRIKE]
    • Read The Permanent Way
    • Read Animal Farm play
    • Evaluation for T.I.E / Devising
    • Learn my part for Animal Farm
    My job list for today:
    • Check online banking
    • Do free scratch card
    • Do surveys
    • Do Budget for this month
    • Read Animal Farm
    Hopefully I will complete all of these and then I can start setting myself little job lists everyday whilst I am off college, even though I am doing more hours at work!
    LBM 14/12/06 £21,947.17 DEBT FREE 12/04/09
    MFW - December 2010 £76,199 - 4th February 2021 £37,360.90
  • saver03
    saver03 Posts: 651 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    I have SO much work to do in the next 2 hours :mad: I saw my tutor yesterday and she wants all outstanding work emailed to her today by 5pm :eek: or she won't be able to look at it :( But I am going to London today for an audition at Drama School tomorrow so I only have about 2 hours left :mad: I guess her doing this will make me work hard and finally get caught up on everything. I am annoyed at myself for leaving everything to the very last second and I even had to call in sick at work yesterday to make I get it completed :mad: So that is losing me money and as I have to rush my work it won't be as good as it could have been if I had just done it as I went on :mad: I just hope I have learnt my lesson :o

    On a sad note I have had 2 auditions for drama schools and unfortunately I was unsuccessful in both :cry: I just need to stay focussed now and as my tutor says, "Do the business." I am starting to feel disheartened but I must not let it get me down. I have paid to audition at these schools and have paid for travel to London for most of them so I really do need to give it my all so it's not a waste of money.



    TO DO LIST
    • Log book for movement train piece
    • [STRIKE]Log book for Hobson's choice[/STRIKE]
    • Actor skills audit
    • Director skills audit
    • F.O.H skills audit
    • Read "Top Girls"
    • Read "Henry VI part 3
    • Log book for performance workshop
    • Log book for dance/movement
    • Log book for acting
    • Read An Actor Prepares
    • Read The Actor and the Text
    • Read The Right to Speak
    • Read The Actor Speaks
    • Read The Year of The King
    • Read Playing Shakespeare
    • Log book for singing
    • [STRIKE]Log book for T.I.E / Devising [/STRIKE]
    • [STRIKE]Learn Goneril monologue[/STRIKE]
    • Read King Lear
    • [STRIKE]Research Henry VI[/STRIKE]
    • [STRIKE]Research King Lear[/STRIKE]
    • Read The Permanent Way
    • Read Animal Farm play
    • [STRIKE]Evaluation for T.I.E / Devising[/STRIKE]
    • Learn my part for Animal Farm
    Keep everything crossed for me tomorrow. I am sure I will start to feel better if I actually get a place somewhere.
    LBM 14/12/06 £21,947.17 DEBT FREE 12/04/09
    MFW - December 2010 £76,199 - 4th February 2021 £37,360.90
  • saver03
    saver03 Posts: 651 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Got a few things to cross off my to do list so I am making progess albeit a little slower than I would like.

    TO DO LIST
    • Log book for movement train piece
    • [STRIKE]Log book for Hobson's choice [/STRIKE]
    • Actor skills audit
    • Director skills audit
    • F.O.H skills audit
    • Read "Top Girls"
    • Read "Henry VI part 3
    • Log book for performance workshop
    • Log book for dance/movement
    • Log book for acting
    • Read An Actor Prepares
    • Read The Actor and the Text
    • Read The Right to Speak
    • Read The Actor Speaks
    • Read The Year of The King
    • Read Playing Shakespeare
    • Log book for singing
    • [STRIKE]Log book for T.I.E / Devising[/STRIKE]
    • [STRIKE]Learn Goneril monologue[/STRIKE]
    • Read King Lear
    • [STRIKE]Research Henry VI[/STRIKE]
    • [STRIKE]Research King Lear [/STRIKE]
    • [STRIKE]Read The Permanent Way [/STRIKE]
    • [STRIKE]Read Animal Farm play [/STRIKE]
    • [STRIKE]Evaluation for T.I.E / Devising[/STRIKE]
    • Learn my part for Animal Farm Act 1
    • Learn my part for Animal Farm Act 2
    I am now going to prioritise some of my most urgent jobs and set myself dates to have them done by and hopefully that will spur me on
    1. Learn my part for Animal Farm Act 1 - 21/04/09
    2. Actor skills audit - 21/04/09
    3. Director skills audit - 21/04/09
    4. F.O.H skills audit - 21/04/09
    5. Learn my part for Animal Farm Act 2 - 21/04/09
    6. Log book for singing
    There is not really too long left before the end of my college year so I really have to get working now to make sure I complete everything.

    On the money front I am working a few extra hours this week so I will have a better wage than usual in May. But as we will be in college Monday-Friday 10am-10pm from 27th April-22nd March :eek: I won't be able to work as much then. However, I will probably be exhausted so won't be able to go out and spend money either :rotfl: Also, when we finish I will be able to work a lot more hours and hopefully catch up on my ebaying so more money there and also getting rid of the boxes under my stairs.

    Well I better go as I know that I have a lot to do and learning my lines for Animal Farm will not be an easy task :(

    ANY advice is greatly received or a kick up the bum as that is definately needed :rotfl:
    LBM 14/12/06 £21,947.17 DEBT FREE 12/04/09
    MFW - December 2010 £76,199 - 4th February 2021 £37,360.90
  • saver03
    saver03 Posts: 651 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    :jAs of 14.30, Sunday 12th April I am debt free :j
    I would love to say it is because I worked my bum off scrimping and saving but my mum has written off the last £3000 as an early 30th birthday present. I did cut back, save and work more to pay off so much myself but my mum and nan have been very generous and I have had £6000 as my 30th birthday present. I had £3000 knocked off in November and my last £3000 knocked off today.

    It's not a cop out though as I have learnt so much from getting myself into such a mess in the first place. It is so easy to spend the money and get into over £20,000 worth of debt but paying it back is SO SO SO much harder. I can't imagine how difficult it would have been if my mum hadn't paid off the cards and I had been paying interest.

    I am very grateful to them both and they say I can pay them back by NEVER getting into such a mess again.
    LBM 14/12/06 £21,947.17 DEBT FREE 12/04/09
    MFW - December 2010 £76,199 - 4th February 2021 £37,360.90
  • beanielou
    beanielou Posts: 95,599 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Wow, that is a truely amazing 30th birthday present.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "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.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
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