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

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Comments

  • ebayqueen_2
    ebayqueen_2 Posts: 1,175 Forumite
    Hiya ddfw

    Eventually getting caught up. I am finding January so strange...have so little get up and go in me its disgraceful! Think I might be getting somewhere as I have caught up on all my diaries here ... updated signature etc and am well stocked up grocery wise. So I need to start cleaning, organising etc.

    I am so sorry to hear that you are feeling unwell again. When do you go back to your doctor? I'm delighted that you are getting organised ebay etc. and that you got your hot water sorted :):):)

    take care of yourself ddfw
    God bless
    E
    "You are never too old to set another goal or to dream a new dream" :) C. S. Lewis
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    jwil wrote: »
    Well done on your sales and keeping to your grocery budget! I'm not good at meal planning, as so often I just don't fancy what I've planned, and have something else instead :o

    Me too! Thats why i'll only know if its worked after i've stuck to it :rotfl::rotfl::rotfl: But as i'm skinter than a skint thing and these debts aren't going to pay themselves needs must :naughty:

    ebayqueen wrote: »
    Hiya ddfw

    Eventually getting caught up. I am finding January so strange...have so little get up and go in me its disgraceful! Think I might be getting somewhere as I have caught up on all my diaries here ... updated signature etc and am well stocked up grocery wise. So I need to start cleaning, organising etc.

    I am so sorry to hear that you are feeling unwell again. When do you go back to your doctor? I'm delighted that you are getting organised ebay etc. and that you got your hot water sorted :):):)

    take care of yourself ddfw
    God bless
    E

    Hi ebayqueen - i agree its been an odd month! I was filled with plans of hitting the ground running as of the 1st but illness over xmas and the new year scuppered that :( Now feel i've loads to do and the time just seems to be disappearing :eek::eek::eek:

    Good to hear you are getting sorted now though :T Thank-you the warmth and hot water on tap is lovely :)

    You have had some fab sales on eb*y - i've sorted a few bits but these are for a free listing weekend - and if they don't sell i'll keep them - they are too good just to let go for nothing :cool: *if* i keep any i will make sure to use them straight away though ;) added a few more bits today so thats all good :)

    I'll be booking my appointment with the doctor hopefully tomorrow - i just want to get better now :(
    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
    PAD: Starting Balance:Target 1: £2245.19

    1, £1.00 = £2245.19 - £1.00 = £2244.19
    2, £1.00 = £2244.19 - £1.00 = £2243.19

    3, £1.00 = £2243.19 - £1.00 = £2242.19
    4, £15.00 = £2242.19 - £15.00 = £2227.19
    5, £44.79 = £2227.19 - £44.79 = £2182.40
    6, £105.40 = £2182.40 - £105.40 = £2077
    7, £1.00 = £2077 - £2 = £2075
    8, £11.00 = £2075 - £11 = £2064
    9, £15.00 = £2064 - £15 = £2049
    10, £7.00 = £2049 - £7 = £2042
    11, £18.00 = £2042 - £18 = £2024
    12, £3.00 = £2024 - £3 = £2021
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    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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Well done for keeping up with the PADs.

    Xx
    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
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope you manage to get the doctors appointment.

    I'm sure you'll be successful with the meal planning. I'm going to do a freezer and cupboard inventory and see what I've got.
    "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
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hiya everyone :)

    Well the parcel of xmas goodies i ordered has turned up and i'm very pleased - so thats all good - may just return 1 item though - just no longer suitable for the person - and i can return it in store so thats a big help too :) Mind you it is only a cheap thing £2 instead of £10 so it might be good as a secret santa gift if i'm roped into it again next year - its a pretty generic item so there is a decision to be made there :cool:

    Today will see me hauling out more eb*y goodies :T Ooh roll on free listing weekend ;) Its all stuff out of my wardrobe so hoping to generate both space and cash ;)

    I'm up showered, put my make-up on, done my hair and - instead of the pj's i tend to just wear at home i'm dressed in a nice outfit :) Must admit that i feel prepared at least - for what i don't know :rotfl::rotfl::rotfl: but i'm not looking too shabby so that can only be a good thing :rotfl::rotfl::rotfl:

    Already checked on the bits i've still got listed on eb*y too - i just can't help it :o
    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
    I'm addicted to ebay checking as well. It's good customer service in case someone asks a question :D

    I can't believe how organised you are with your christmas shopping, I'm so impressed :T :T :T

    Good for you for dressing up, it shows you are sophisticated, unlike me who is a complete slob :D :rotfl:
    "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
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hi everyone :D

    I hope everyone is well and enjoying a nice weekend?

    Its quite a quiet weekend here in Dedicated towers. But i'm hoping that it is going to be quite a productive weekend too :cool:

    ~ I'm doing all the usual bits towards amaz*n vouchers ;)
    ~ And have already been screened out of various surveys *rolly eyes*
    ~ Sticking to the meal plan which means week 1 has been successful for this :T
    ~ I'm listing some more of my clothes and shoes on eb*y - it was always an area that would have bits to get rid of throughout the year :cool: (and i still can't fit everything in :eek:) - Going to aim for 10 items and then see how i feel :o

    In none money-making stuff:~

    ~ i'm going to do an exercise workout later :eek: - moneywise i guess this saves on gym fees + i bought the dvd so i'm getting some moneys worth out of it ;)
    ~ i hope to dig out my knitting later :cool: - moneywise again i bought the wool so am using something i've spent the money on and in good news developing this skill :)
    ~ the usual dishes and general tidying up will be done too :cool:

    Hey jwil - the xmas thing isn't so much being organised but that i am perpetually lacking in funds so i buy things at the best price i can - these gifts i mentioned a few days ago - they were ones i'd ordered and just picked up :)
    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 i've listed the 10 things on eb*y and thats proably enough for me today - which means i'll need to list enough stuff tomorrow to take the total amount listed to £200 if it all sells for just the start price - hmm that is going to be alot of listing then as my more pricier stuff got listed today :eek: and indeed _pale_

    Bits of progress being made in other areas too - pots washed a couple of bits put away. Will do the exercise soon - made sure i decluttered a bit of chrimble cake first - assume this will be energy giving and i wouldn't have wanted to eat it after the exercise ;)
    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
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Decluttering chrimbo cake..yum! A worthy task for a Saturday afternoon!!
    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
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