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

jwil

Wow, you've been busy, well done :T

Yay to target 4 officially being cleared too :j

DedicatedDFW

jwil wrote: »

Wow, you've been busy, well done :T

Yay to target 4 officially being cleared too :j

Thanks jwil

It is terrible though - wishing my life away waiting of the next amount of money coming in Partly why i'm trying to list a bit on eb*y each day from now - if things sell it'll help money to regularly drip in Its also why i started my PAD list up again so that i actually feel like i'm doing something each day - well thats the plan anyway

jwil

I think a lot of people on here are counting the minutes until the next bit of money comes in - me included

DedicatedDFW

jwil wrote: »

I think a lot of people on here are counting the minutes until the next bit of money comes in - me included

At least i am in good company then

DedicatedDFW

Hi everyone

Trying to look at the positives today so:~

In an attempt to keep the pennies coming in i have listed 5 newly listed items on eb*y and aim to do the same again tomorrow. I have a few bits listed with bids on so money coming in and clutter going out

Really hoping for a FLW so i can pop on the dearer bits that i have.

I've just totted up my total outstanding debt as of today and this year i have paid off over half of my debt :T

This obviously doesn't include the mortgage which i can't do anything about just at the mo. :undecided

But this month i have reduced my debt from 7 different places to 5 and hope by the end of the month to reduce that down again to 4

Target 3 is the highest balance outstanding so i now don't owe a single place £2000 or more :T

I am considering each purchase i make carefully so as not to fritter money away - part of the reason i run my accounts so tight is that any spare money i have i want off the debt rather than going 'ooh pretty shoes' But i am noticing a change in the way i shop which is good And also recognising my weakness = money in account = possible frittery so it all gets moved to debt asap!

Hope everyone is well

DedicatedDFW

Morning all

It is both bleak and chilly here today. I woke up about 2am and couldn't get back to sleep - i felt decidedly ill _pale_ and may go back to bed as i am not much better since getting up

I've made a little pad today so must remember to update that shortly too.

Checked my eb*y as i just can't help myself but take a peek as to whats happening 1 more item than yesterday with a bid on :T Got quite a few bits ending today so we will see how these go on.

I am hoping to perk up a bit later and crack on with cleaning another room as well as listing 5 newly listed items on the bay of e :cool:

Hope everyone else is well x

jwil

That's amazing that you've cleared half your debt, well done :T :T :T

Hope you feel better soon though, it's not good when you are feeling rough.

DedicatedDFW

Hi everyone

Well its been a very odd week :undecided And i've a few things to think about :think:

I've been so focused on the debts that there've been a few things completely escaping my attention which are now coming to light as the debt reduces There's some things i do need to sort out with my money to make everything easier. An example of which is that i don't have all my bills delivered to me - some go to another address The banks have all been fine with this but it has caused me some problems when trying to pay for things with a card at a different address Plus i have to go and collect the post when it comes. Part of this is due to OH not knowing about the debt and we have often mistakenly opened each others letters - not normally a problem but it would be if he saw what i owed :eek:

I listed a few more bits on eb*y today and i sold a few things too which is a nice reminder as to why i like to have things ending on different days

I'm still awaiting payment for 1 item i sold over a week ago now - will invoice it again if its not here by the weekend and then start the non payment thing :cool:

I've also noticed a few things i've been cutting down on lately for various reasons - some of the MS's which are hugely time consuming for very little i've stopped. Ditto the surveys which are long winded for very little. This of course means less money coming in but i am noticing the difference in time I'm not saying i'll never do these again but for now i can take a step back on these - which is partly why i'm pushing the eb*y to try and make up the shortfall on these income streams :cool:

jwil

Start the NPB now DDFW, over a week ago is ridiculous! I send another invoice on day 3, and start the NPB on day 4-5 usually unless I've had contact from the buyer. They still have 4 days to pay from that point, so it's not like they don't have enough time. :mad:

I always block people from the point I have to start a NPB too. You can set it to start up automatically on day 4 as well, so if someone grumbles, you can say that is what happened.

But then maybe you are just a nicer person than I am :A

Well done on the sales too :T

ebayqueen_2

Hi DDFW

I agree with you Jwil. Block them immediately.

ddfw I agree with you re the surveys, You spend so much time for so little and if you spent the same time on ebay you have the possibility of making more money. Well done on your progress. The fact that you owe no more than 2 to each one is superb. You have done so well. Don't worry too much about being completely organised re post etc. Its hard work keeping things from OH and soon you will be hiding nothing. :)

Take care