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

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Comments

  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Aaaaaaaaaarrrrrrrrgggggggghhhhhhhhhhhh!
    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: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Aaaaaaaaaarrrrrrrrgggggggghhhhhhhhhhhh!

    Oh dear, hope everything's ok, you know where I am.
    "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!
    Hey DDFW..what's up??

    It sounds serious:(
    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
  • ebayqueen_2
    ebayqueen_2 Posts: 1,175 Forumite
    Morning DDFW

    How are you today? Hope everything is ok with you. 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
    Hi everyone, i am still here just got rubbish internet connection at the mo. Hoping to be able to do a full update at the weekend. Have also come up with a 3rd and cunning plan for my savings when they come through which is to spend it in a sensible way. Will explain more when i can get on - the money would be spent on the house to stop CHAOS but is only an idea for now and need to get OH on board which is hard work.

    Hope all of you are well jwil, ebayqueen, brizzle, pinot thank you for your support as always. Ebayqueen where is your next holiday to? Xx
    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: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    :wave: missed you :)

    :mad: to annoying internet connections, I'm lost without mine.

    Hope you manage to get OH on board with your 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
  • ebayqueen_2
    ebayqueen_2 Posts: 1,175 Forumite
    Hi ddfw

    Glad to see you :) I would be lost without my internet. Looking forward to hearing all your plans. Take care of yourself. Lancashire is the next stop...need to get ebaying :):)
    "You are never too old to set another goal or to dream a new dream" :) C. S. Lewis
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hello everyone - it is good to be back :D

    Although of course i hadn't actually gone anywhere!

    I need to get my little MSE butt back into gear and start earning the extra pennies for all things that are needed. And of course i need to scale that massive debt that is left down :eek: And earning the extra is really the only way to do it!

    To this end i will of course be having a declutter. It has strangely helped having the house turned upside down all week as i have looked at some things that have been in situ for a while and have now been moved and thought 'actually i am not so in love with you anymore' so this should give me a few bits to go at :cool: In addition to that the sheer volume of 'things' 'stuff' is just too much- i do, of course, need to check new postage costs with stuff as well :think:

    OH seems to be getting on board with my plan albeit in a sulky and dragging of feet kind of way - which of course means that i will then go ahead with this - will have to get some prices for things first :cool: Didn't help that i was looking at a lovely cheap item - but an item i'd have considered regardless of the cheapness and OH was like well what about that one - which was 3 times the price of the one i was looking at :eek: I understand that we should choose the item we love as we'll have it for such a long time - but i did love the cheaper one. Oh he also gets that it has to be done to a budget :eek:

    I have just been looking for a new job and although i will apply for p/t work sadly the 8hours a week 12hrs wk fully flexible just don't cut it :eek: I will continue to search in case there is anything else to apply for :)

    Hope you are all well :)
    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: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Nice to see you again :)

    Glad you've got OH on board, and yay to more decluttering.

    Good luck with the job hunt 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
    Morning DDFW
    How are you today :)
    "You are never too old to set another goal or to dream a new dream" :) C. S. Lewis
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