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

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  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Hi DDFW

    I am good thanks. Just catching up and wanted to say how amazingly well you're doing on the overpaying front. Your EBay stamina is a joy to behold!!

    Have a great weekend and do try and take some time out for yourself. You're working so hard on the debt busting and if the family stuff is also a burden then you're carrying a lot. Take it easy if you possibly can

    Brizzle
    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: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Woo fingers crossed for the applications :)

    Hope you have a good weekend, and try and get some time for yourself too :)
    "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
  • ebayqueen_2
    ebayqueen_2 Posts: 1,175 Forumite
    hi ddfw
    Delighted to hear your got your forms filled out and away.:):):) You are certainly trying your best. Hope something good happens soon.
    Try not to do too much over the weekend and spend some time chilling out.

    Take care :)
    "You are never too old to set another goal or to dream a new dream" :) C. S. Lewis
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Target 1 Start Balance 10/03/12 £2535

    10, £2535 - 700 = 1835
    11, £1835 - 4.80 = 1830.20
    12, £1830.20 - 12.51 = 1817.69
    13, £1817.69 - 1.63 = 1816.06
    13, £1816.06 - 15.00 = 1801.06
    14, £1801.06 - 3.55 = 1797.51
    15, £1797.51 - 15.44 = 1782.07
    16, £1782.07 - 1.25 = 1780.82
    17, £1780.82 - 1.96 = 1778.86
    18, £1778.86 - 2.00 = 1776.86
    19, £1776.86 - 10.00 = 1766.86
    20, £1766.86 - 6.63 = 1760.23
    21, £1760.23 - 31.93 = 1728.30
    22, £1728.30 - 22.69 = 1705.61
    23, £1705.61 - 80.00 = 1625.61
    24, £1625.61 - 7.00 = 1618.61
    25, £1618.61 - 25.00 = 1593.61
    26, £1593.61 - 5.00 = 1588.61
    27, £1588.61 - 71.26 = 1517.35
    28, £1517.35 - 2.88 - 2.47 =1512
    29, £1512.00 - 162.39 = 1349.61
    30, £1349.61 - 2.61 = 1347
    31, £1347 - 2.00 = 1345
    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
    edited 4 April 2012 at 9:44AM
    Target 1 Start Balance 01/04/12 £1345

    1, £1345 - 22.00 = 1323
    2, £1323 - 27.00 = 1296
    3, £1296 - 38.00 = 1258
    4, £1258 - 25.00 = 1233
    5, £1233
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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
  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Hi Dedicated!

    It has been a while, but my word, I am impressed with how well you are doing: congratulations! :D You keep going - you're doing brilliantly!

    Must go...in the middle of cleaning the shed *shudders*, but was just having a much-needed break. xxx
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P
    roud to be dealing with her debts 1198~

  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    InaPickle wrote: »
    Hi Dedicated!

    It has been a while, but my word, I am impressed with how well you are doing: congratulations! :D You keep going - you're doing brilliantly!

    Must go...in the middle of cleaning the shed *shudders*, but was just having a much-needed break. xxx

    Pickle! :j:j:j Lovely to see you again hon. how are you doing? I do miss your thread :)

    Aw thanks! Really wanting to clear target 3 debt this month - no idea at the moment how mind but i'll just have to pop my thinking cap on methinks :think: Not just now though - far too run down to think of anything at the mo. :o Typically after having a quite fun filled weekend it has taken its toll on me yesterday and today :o

    Shed cleaning - you are very brave :D
    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
    Hi everyone :)

    As i said i am feeling very rundown - i really should have asked for that blood test at the docs - must do so asap methinks :o

    Do need to start pondering how i'll clear the full balance of target 3 this month in order to stay on target :think:

    I am due some more cashback this month so that will help. I also need to chase a company for cashback of £50 - not sure when that will be paid.

    i am still fairly close to payout on a couple of survey sites.

    i need to list new things on eb*y - so i also need to find these new things for listing.

    i need to put in a claim *again* with the post office for yet another missing parcel :(

    i will of course have the usual payment to make ;)

    And i will have the funds to pay that i am no longer paying to other debts ;)

    And i need to start eating out of the cupboards and freezer :)
    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 this evening i have re-listed all of my low value items that did not sell on the bay of e.

    I have also made a list of the items i will list tomorrow that have never been listed before :) - total starting value of all items is £65 so if they all sold at the start price great - but of course no guarantees of this.

    I do have quite a few unsold higher value items - but as i don't want to pay for the listings a second time these can wait for a free listing weekend ;)

    had questions about some of the things that didn't sell asking me to put them on at 99p instead - err nope.

    I'm also due about £12-odd in from sales of books and the bay of e and £30-odd from cashback. So a total of about £50 definitely due in :)

    i also have a further £160 outstanding in cashback - some of it claimed for as it didn't track - despite clearing cookies :( and some of it tracking but not yet confirmed :undecided

    i have the other £50 cashback that i need to chase tomorrow so that will make a definite £100 due in that i can pay off my balance.

    Tomorrow or later i'll also go over my bank account and double check if there is anything extra i can throw at the debt in there :think:

    When i do that i can also check what the extra payment will be this month to the bill - £100 is budgeted for so will see what will be left over from the rest ;)
    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!
    Hi hon

    How you keep on going with all these MSE things ALL THE TIME!! is nothing short of inspirational! You're doing brilliantly...do give yourself a real pat on the back:T


    Brizzle x
    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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