urg's 123 Back to Basics Debt Free Plan

urg123

hypno06 wrote: »

That's good news that you think the lodger will be fine.....no hidden pickaxes or strange collections of chainmail armour amongst the luggage

LOL - She's surprisingly normal. Her parents helped her move in. What's even better is that she doesn't have lots of stuff which means that I don't have to move too much of my stuff (crap!) so that she can live here. She's not going to come and stay until tomorrow night as she has plans.

On to the DFW tasks: I have just changed gas and electric suppliers saving me about £100 a year! I also hope that the cashback has tracked for £40 from topcashback. I've paid onto one of my CCs and have chased my FD incentive payment (£100).

Off for a coffee.

taxi73

That great nights sleep has made you so.productive this morning.....well done...£240 not to be sniffed at.
Being productive myself today as well....have opened an egg saving account.Thinking about changing suppliers but not sure at the moment..so complicated.

urg123

I've had another great night's sleep so better get on with more of the list. I'm feeling quite up for it today - it's nice to see the results of a cleaner house. It's never up to OH's standards but slowly and surely I am getting there.

I've just found an old radio station that I used to love listening to and it is playing some great tunes!!!! I must remember to swap my stations more regularly. It's the littlest things that can bring a smile to your face.

Better get on or I'll spend the rest of the day moaning that I haven't achieved anything!

urg x x

taxi73

Morning Urg...you definitely sound loads more positive!!!
Hope you managed to get loads done(must get off here myself)....
Yes,it is surprising how many simple things in life cheerus up.

urg123

Here were my goals for the last week:

1. [STRIKE]Clear communal areas in preparation for tenant arriving[/STRIKE]
2. Exercise 30 mins x 4 only once
3. Complete tax return ongoing
4. 10 items on ebay failed
5. 3 NSDs managed 2
6. 3 Doo Yoo reviews failed
7. Keep updating spending diary failed
8. Stick to meal plan and WW not doing very well this week!
9. Apply for 3 jobs applied for one
10. Work on wedding job done

New flatmate has moved in and she is great. We are going to get on well.

OH's mum is improving.

This week's task is to get the assignment done - it needs to be posted on Thursday to get there for Friday. EEK

urg x x

claire0788

Hey just having a wee read. Your doing amazing !

Looks like you have been paying off so much per month. The lodger is a great idea, my friend is moving in soon and i cant wait, company and help with getting me debt free

Well done !

urg123

Oh thanks Claire - having a lodger is a great help towards that debt free goal. I daren't calculate how long it would take me to get debtfree if I didn't have the money from lodgers. I have made a pact to send each of my tenants a gift when I am debt free as a thank you for helping me get there. It was definately a good plan to get a two-bed place. I may have stretched myself a bit but it will be worth it and OH and I can live here until we can afford to move somewhere bigger for when we start a family.

urg x x

urg123

Hello

A bit of a stressful day today. OH phoned as his mum was taken back into theatre again today. It's so hard on everyone. I left work and went and sat with him and his family til quite late. I'm not sure I am doing much while I am there but I don't want to not be there.

I feel really bad - this is my really busy period at work and I have to be able to work as there is no-one who can really do my job as well as their own. I also have to do my assignment. I have managed to get the second section done this evening but I really need to complete three more tomorrow as I need to post it on Thursday. I will try and do the third and fourth at work. That way I can just complete it tomorrow night and post it on Thursday.

On more positive notes, I have managed to complete my target of 8 NSDs and have got 35p on the scratchies!

Hope the rest of you are well.

urg x x

taxi73

Sorry to hear about OHS mum..hope she recovers soon.
Poor you.you must be feeling really stressed as well cos of work and the assignment.Why does everything happen at once?

urg123

taxi73 wrote: »

Sorry to hear about OHS mum..hope she recovers soon.
Poor you.you must be feeling really stressed as well cos of work and the assignment.Why does everything happen at once?

I know!!!! I ask for some of it though - I should have done the assignment ages ago! I managed to a do a section yesterday and will do some more on the way to work.

Off to work early. I've got lots to do and a very important meeting today!

Hope you have a good day.

urg x x