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

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  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hoping to get a few things done today - so i may pop a little list on here of things i'd like to get done :)

    1, gather e-b*y sales ready for packaging and post :cool:
    2, keep on top of all surveys
    3, keep on top of pots :cool:
    4, exercise
    5, re-sort storage drawer
    6, 2 hours me-time
    7, make 2 phone calls

    That will do for now i think :)
    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
    1, [STRIKE]gather e-b*y sales ready for packaging and post [/STRIKE]:cool: :j
    2, [STRIKE]keep on top of all surveys[/STRIKE] hardly had any so an easy win

    3, [STRIKE]keep on top of pots [/STRIKE]:cool: just a few more to do but i'm having cake first :)
    4, [STRIKE]exercise[/STRIKE] :j
    5, [STRIKE]re-sort storage drawer[/STRIKE] :j
    6, 2 hours me-time - hmm need to squeeze this in somewhere :think:
    7, make 2 phone calls made 1 - will have to do the other 1 tomorrow :cool:
    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
    1, [STRIKE]gather e-b*y sales ready for packaging and post [/STRIKE]:cool: :j
    2, [STRIKE]keep on top of all surveys[/STRIKE] hardly had any so an easy win
    3, [STRIKE]keep on top of pots [/STRIKE]:cool: just a few more to do but i'm having cake first :)
    4, [STRIKE]exercise[/STRIKE] :j
    5, [STRIKE]re-sort storage drawer[/STRIKE] :j
    6, 2 hours me-time - hmm need to squeeze this in somewhere :think:
    7, make 2 phone calls made 1 - will have to do the other 1 tomorrow :cool:

    Well done that's impressive, but get on with number 6! :naughty:
    "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
    So not done too badly on my list but as i'm busy trying to think up what else i can list on eb*y :think: in order to raise the much needed bills money i mentioned the other day then some time to myself tmay be scrapped today as i need to get on with things with a clear head as it were :cool:

    i did of course take advantage of the free listing this weekend as far as possible but have to be a bit tougher with myself in my attempts to get rid of little used stuff and to raise some much needed funds ;)
    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
    So not done too badly on my list but as i'm busy trying to think up what else i can list on eb*y :think: in order to raise the much needed bills money i mentioned the other day then some time to myself tmay be scrapped today as i need to get on with things with a clear head as it were :cool:

    i did of course take advantage of the free listing this weekend as far as possible but have to be a bit tougher with myself in my attempts to get rid of little used stuff and to raise some much needed funds ;)

    One of the things I always try to bear in mind when I'm selling something, is that there is very little that I couldn't buy again when I'm debt free if I *really* missed it. The chances are though I don't miss them once they are gone.
    "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
    jwil wrote: »
    One of the things I always try to bear in mind when I'm selling something, is that there is very little that I couldn't buy again when I'm debt free if I *really* missed it. The chances are though I don't miss them once they are gone.

    I do agree with this jwil - which is what i pretty much thought a few years ago when i sold all my collectable stuff. As its my clothes i'm selling now though i just need to make sure i keep something to wear! :rotfl::rotfl::rotfl:

    Still 4 more items newly listed as opposed to re-listed if that makes sense :) - Got to get more on there though :cool:
    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 today doesn't look too different to yesterday - more items to list on the bay of e, exercise, pots, surveys...

    Spent all my free £5 vouchers in b**ts today - got lots of cream and some new make-up. i buy this anyway so saved alot and nicely stocked up on things i nearly had to buy at the full price :eek:

    Got a few bits finishing on eb*y today too - fingers crossed for some sales here ;)
    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
  • ebayqueen_2
    ebayqueen_2 Posts: 1,175 Forumite
    Hi DDFw

    Sorry to hear you still feel a bit under the weather. Our bodies respond to stress and that is probably what it is. You are doing well with your ebay, I have listed 9 items and not one person is even watching. I think I might leave it until the weekend and list to end the following as people will have been paid. Its always the same in Jan.

    I still feel a bit drained to be honest and can't seem to get my a**e in gear! I feel run down and the fact that I have cut bread out of my daily eating doesn't help :) Ah well we can but try. I genuinely feel so much better when I am not eating bread so you would think I would learn from this.

    Not much happening just keeping up with the family and exams eekkkkkk!!!!!!!!!!!!!!!

    Take care ddfw :)

    As I have said before its a tonic reading your posts..its good to know ya!
    "You are never too old to set another goal or to dream a new dream" :) C. S. Lewis
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    ebayqueen wrote: »
    Hi DDFw

    Sorry to hear you still feel a bit under the weather. Our bodies respond to stress and that is probably what it is. You are doing well with your ebay, I have listed 9 items and not one person is even watching. I think I might leave it until the weekend and list to end the following as people will have been paid. Its always the same in Jan.

    I still feel a bit drained to be honest and can't seem to get my a**e in gear! I feel run down and the fact that I have cut bread out of my daily eating doesn't help :) Ah well we can but try. I genuinely feel so much better when I am not eating bread so you would think I would learn from this.

    Not much happening just keeping up with the family and exams eekkkkkk!!!!!!!!!!!!!!!

    Take care ddfw :)

    As I have said before its a tonic reading your posts..its good to know ya!

    Hi ebayqueen :wave:

    Aw it is absolutely lovely to know you too x Oof! exams - hoping all goes well there - am sending positive vibes :D Well hopefully people will start to watch your stuff and bid soon and once the listings done then things can always be easily re-listed which is good - although we'd all prefer things to sell first time round :cool: I have over 70 items actively listed at the moment :eek: although alot of those are things at 99p and i'm happy for them to go for that - actually really hoping they do go! My new aim is to list new (as in not listed before) items to a starting value of £500 :eek: i know its very unlikely they will all sell but i *need* to get funds in for these bills - £500 won't cover the total but i'll feel better aiming towards that nice round figure ;)

    Hope you start to feel better too ebayqueen - know how rubbish it is to be lacking in energy so hoping you are back to yourself soon. I love bread :o and at the moment it is a cheap easy meal - sarnies for lunch & something on toast for tea :o But i have cut down the amount i eat in a day now. Weighed myself the other day and not lost 1lb - after a week of fairly healthy eating and over a week of exercise too :( OH did say i'm more toned which was nice of him but still i want that excess weight off :o - and i don't want to tone up at this size :eek:

    i too haven't felt on form and some of my posts may have reflected that of late. But as i say i have a new challenge to find new items to list on e-b*y to the value of £500 start price - £12 down £488 to go *gulp* I did get a bit perked up this weekend as me and OH had a chat about what work needs doing on the house next and i sat down and made a plan :D Sadly the majority of it will cost money as getting specialists in :( But being in a house that doesn't look like a building site should help buck both of our spirits up :)

    Spent ages in the bank today as i had less than £3 in a savings account - no idea how that happened so requested to move it to the overdraft - target 1 - when that was finally completed i was then asked if i had plans for paying off said O/D i said yes should be by march and then got asked if i'd like an appointment to see if they can offer me something to make it easier to pay off - Erm no - its going to be paid off in just over 4weeks and they never offered me any help when i had my huge interest rate credit card with them :undecided
    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 do agree with this jwil - which is what i pretty much thought a few years ago when i sold all my collectable stuff. As its my clothes i'm selling now though i just need to make sure i keep something to wear! :rotfl::rotfl::rotfl:

    Still 4 more items newly listed as opposed to re-listed if that makes sense :) - Got to get more on there though :cool:

    Hmm yes, it gets a bit chilly when you have no clothes left :cool:
    "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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