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A Budgeteers Quest to be Debt Free & Mortgage Free By 40

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  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I always leave little jobs like letters for ages. Then when I finally get round to them, they take 5 minutes and I wonder why I put them off for so long.

    There's a lot going around at the moment, so take care. Everyone in my office seems to have been ill recently except me. I'm hoping I'm just tired and not coming down with anything as I'm off work for a few days at the end of the week. I'll be well miffed if I'm ill!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hi DDFW thanks for popping by on my diary. Sorry youre feeling rubbish but well done on keeping on doing stuff. A freezer audit can't have been much fun!

    Am turning in early here...shattered and just want my bed!
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Jwil..there's a book on Time management called Eat that Frog. Seem of it is carp but the stuff about not procrastinating and getting on with the big tasks, instead of fannying around with the small stuff and putting other stuff off for months..well it's a good strategy. Agree, it's hard to do but best to get on with it. Easier said than done though. I have an insurance claim form to do..but getting stuff together, writing the details and photocopying it all seems a big task at the moment :-(
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    jwil wrote: »
    I always leave little jobs like letters for ages. Then when I finally get round to them, they take 5 minutes and I wonder why I put them off for so long.

    There's a lot going around at the moment, so take care. Everyone in my office seems to have been ill recently except me. I'm hoping I'm just tired and not coming down with anything as I'm off work for a few days at the end of the week. I'll be well miffed if I'm ill!

    Hi jwil :D - yep, i've been putting it off :o it was an important letter to do and as i've just had no concentration lately it wasn't as though i could just reel it off any time i wanted. Plus :o, its a letter i needed to do when OH wasn't peering over my shoulder :eek::eek::eek: Other letter to bank will have to wait until tomorrow - i am just not up to it at the mo. - Grief! That sounds so pathetic :o Hoping throat is on the mend - its marginally less painful to swallow just now - although it may just feel less painful as it competes with earache and general bodily achiness Bah! I just want to feel well! :undecided

    I really hope you aren't poorly when you're off work jwil x Have you got anything nice planned?
    brizzledfw wrote: »
    Hi DDFW thanks for popping by on my diary. Sorry youre feeling rubbish but well done on keeping on doing stuff. A freezer audit can't have been much fun!

    Am turning in early here...shattered and just want my bed!

    Hi brizzle :D Thats fine - i have duly subscribed and will be looking out for ideas ;) Freezer Audit - i definitely need to get out more as it wasn't what you could call fun but i was definitely excited when the list of food we've got in mounted up! Like many others this month i'm aiming to eat mainly from storecupboards - i am actually aiming to do this up until April :eek: Still buying essentials and fresh stuff but hopefully keeping *announces in big booming voice* !An Area Of Overspend! - the food budget - to a minimum ;) 3 months is a looong time to aim for so we will see how i get on :)

    Hope you have a good nights sleep :)
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    brizzledfw wrote: »
    Jwil..there's a book on Time management called Eat that Frog. Seem of it is carp but the stuff about not procrastinating and getting on with the big tasks, instead of fannying around with the small stuff and putting other stuff off for months..well it's a good strategy. Agree, it's hard to do but best to get on with it. Easier said than done though. I have an insurance claim form to do..but getting stuff together, writing the details and photocopying it all seems a big task at the moment :-(

    See that's what I do - I start the big tasks and avoid the small tasks so I don't finish a big task and still have a list of small tasks. I then don't feel like I achieve anything.

    What I need to do is get a list, tick off a few small tasks, and then proceed with the big task so I've progressed with that and also achieved something else.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi jwil :D - yep, i've been putting it off :o it was an important letter to do and as i've just had no concentration lately it wasn't as though i could just reel it off any time i wanted. Plus :o, its a letter i needed to do when OH wasn't peering over my shoulder :eek::eek::eek: Other letter to bank will have to wait until tomorrow - i am just not up to it at the mo. - Grief! That sounds so pathetic :o


    I really hope you aren't poorly when you're off work jwil x Have you got anything nice planned?

    Not pathetic - you're not feeling well, so it's right that you don't achieve everything.

    I hope you are feeling better today.

    I've not got anything planned, I wasn't allowed to carry my remaining leave over for 2 weeks :mad: so I had to find some space to fit it all in this month. I wouldn't mind so much, but I've only got so much left as they'd calculated it wrong for the last few years!

    I shall be pottering about the house and getting on with things hopefully.

    We've both got a week off next month for my bday so hopefully will do lots of nice things then. (Hence the wanting to carry it over for two weeks).
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil wrote: »
    Not pathetic - you're not feeling well, so it's right that you don't achieve everything.

    I hope you are feeling better today.

    I've not got anything planned, I wasn't allowed to carry my remaining leave over for 2 weeks :mad: so I had to find some space to fit it all in this month. I wouldn't mind so much, but I've only got so much left as they'd calculated it wrong for the last few years!

    I shall be pottering about the house and getting on with things hopefully.

    We've both got a week off next month for my bday so hopefully will do lots of nice things then. (Hence the wanting to carry it over for two weeks).


    Thanks jwil - i'm trying to do things in little chunks of 15 / 20 minutes today so will see if i can slot the letter into one of those ;)

    Grr! to work calculating your holidays wrong in the first place and then not letting you take them when its your birthday - but like you say hopefully you will achieve alot when you're off anyways :)

    Have you got anything nice planned for your birthday? :)
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    So todays conundrum is which is more important? To fix an external door that won't open? Or a window which won't close?

    Fabulous isn't it? And the answer is.... drumroll please.... Neither because the door and window both need replacing and i can't afford to do either - hmm... wonder how i can conjur up some money for this??

    OH has complained about the quality of the coffee so i'll have to buy the dear stuff next time :o - the thing is i really like a good cup of coffee and actually think this ones ok :coffee:

    Continuing on from yesterdays storecupboard exploits today i plan to roughly plan out the meals from now until April - not as huge a job as it sounds in all honesty but will cheer me up a bit if i can save a few more shopping pennies for as long as possible ;)

    First things first - i'll make a phone call and then a cuppa :coffee: and then a plan ;)
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks jwil - i'm trying to do things in little chunks of 15 / 20 minutes today so will see if i can slot the letter into one of those ;)

    Grr! to work calculating your holidays wrong in the first place and then not letting you take them when its your birthday - but like you say hopefully you will achieve alot when you're off anyways :)

    Have you got anything nice planned for your birthday? :)

    Small chunks of time sounds like a good plan, much easier to get stuff done that way.

    We've got no plans at the moment, will probably just try and go out for a day here and there. DH was muttering the other day that he fancied going to Cardiff for the day so that will probably be on there.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So todays conundrum is which is more important? To fix an external door that won't open? Or a window which won't close?

    Fabulous isn't it? And the answer is.... drumroll please.... Neither because the door and window both need replacing and i can't afford to do either - hmm... wonder how i can conjur up some money for this??

    OH has complained about the quality of the coffee so i'll have to buy the dear stuff next time :o - the thing is i really like a good cup of coffee and actually think this ones ok :coffee:

    Continuing on from yesterdays storecupboard exploits today i plan to roughly plan out the meals from now until April - not as huge a job as it sounds in all honesty but will cheer me up a bit if i can save a few more shopping pennies for as long as possible ;)

    First things first - i'll make a phone call and then a cuppa :coffee: and then a plan ;)

    I would say that unless the door is really important (no other exit route), the window should be the priority. These jobs are always frustrating though, especially when the funds are limited. It does get so depressing though with all the unfinished jobs.

    If you like the coffee and your OH doesn't - make him buy his own! Or just buy the stuff he likes, then when you next need it, fill up the jar with cheaper stuff and see if he notices :p My DH automatically moans if I change something (I think it's a natural reflex :rotfl:). But if I don't tell him about it until after he's eaten it, he very rarely notices.

    Good luck with the meal plans!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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