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

Teatime

I should clear some of my wardrobe too and sell on eBay. It's just so time consuming! A aargh.

DedicatedDFW

Hi jwil and teatime :hello:

jwil - thats great that you made the decision to get rid of stuff as you knew you'd still want new stuff anyways - something else for me to ponder You may have guessed it about my many posts on clothes, shoes, bags and accessories ooh and not forgetting make-up i am a bit of a girly girl as my friend would say. The thing is though i don't 'follow fashion' as such so when the latest trends come out i'm aware of it and aware of what people are wearing but i don't 'have to have it!' Good job really as i couldn't afford to :rotfl::rotfl::rotfl: But i will only buy things that i really love - that i think 'yes now or in 10 years time i will love this and wear it' Which probably explains why i've so much in my small wardrobe I do like to think i have my own style - and i probably do as i can sometimes wear something - or look at something when shopping with OH and that attracts the comment 'thats a [my name] dress etc.' and also 'no-one else will have that' - i don't buy things because no-one else will have them, i buy them as i want to

teatime - i agree it *is* so time consuming i kinda need a day when the house is spotless (shhh never happens) so that i'm not distracted by the million and one other things that need doing that are in view and therefore a priority rather than hidden in a wardrobe i also need it to be just me in the house - as i'd feel bad on OH if i devoted all my time to sorting stuff and ignoring him - well not ignoring but you know what i mean. Also i'd want the day to be really nice and bright but not warm - so i'm not tempted outside like i was this weekend And then i'd need the energy to do such a job (thyroid = exhaustion for me) - not asking much am i ? :rotfl::rotfl:

DedicatedDFW

So i'm going to start on the cardigan section of my wardrobe - hopefully today. The beauty of this section is that i often wear a cardigan so i have a couple that i know i'll definitely be keeping - they go with lots of things, they fit, i obviously think they suit me as i wear them so much and they are well cared for so even though they've been worn lots they are still in great condition

I also have a couple that i'm thinking i can sell - lets hope i have enough energy tonight after work to do something with these

DedicatedDFW

Banking has been checked and i can pay the mortgage again this month. I wonder if that feeling ever goes away ? Basically when i was made redundnant and working just a few hours a week i did everything - mystery shopping, selling on e-bay, living off credit cards just to be able to have enough in the bank to cover the mortgage at the end of the month. And i still worry about it now - some months - i think january and february for me this year i came close to not having enough to pay it :eek::eek::eek: i guess if i didn't live at the limit of my overdraft each month it would be less of a stress for me.

Right i need to find out when i stop paying my ousba not sure if the last payment is september or october ? Chaos house (whilst jobs being done) means i can't access the paperwork!

Also need to find out when the 2 lots of house insurance finish - i pay them by direct debit but am pretty sure that the payments are spread over 10 months rather than 12 - i think anyways!

DedicatedDFW

JUNE TARGETS

Pay off £1550 /1550

Sort cardigans

Sort jumpers

Sort leggins

Sort shorts

Sort skirts

Sort outfits

Sort long tops

Sort long sleeve tops

Sort t-shirts

Sort vests

Sort going out tops

Sort jackets

Sort dresses going out

Sort dresses work

Sort day dresses

Sort coats

Sort trousers

Sort jeans

Sort long skirts

Sort boots

Sort shoes

Sort casual shoes

Sort make-up

List 150 new items /150

DedicatedDFW

It seems a long list but really its broken down into section of bitesizeable chunks hoping to make a start today but i,ll have to see how i feel after i get in and get the housework done. But i know i,ll feel better once i,ve made a start on stuff x

jwil

Hey DDFW, your posts aren't showing up all the time in my subscribed threads, so sorry if I don't always post as often as I mean to :think:

You've made a great start on your plans for the month, and I think you are probably very glam whereas I'm a bit of a tramp :rotfl:

I think the mortgage thing only goes away once you've paid it off or are rich :rotfl:

I think my OUSBA account gets paid until October. If you log into student home and then search for OUSBA you can actually see your account online, and it should tell you there.

I'm always more productive when my DH is out as well. I seem to get loads more done.

DedicatedDFW

jwil wrote: »

Hey DDFW, your posts aren't showing up all the time in my subscribed threads, so sorry if I don't always post as often as I mean to :think:

You've made a great start on your plans for the month, and I think you are probably very glam whereas I'm a bit of a tramp :rotfl:

I think the mortgage thing only goes away once you've paid it off or are rich :rotfl:

I think my OUSBA account gets paid until October. If you log into student home and then search for OUSBA you can actually see your account online, and it should tell you there.

I'm always more productive when my DH is out as well. I seem to get loads more done.

Oh thats ok jwil

I'm not glam to be honest - in fact i absolutely didn't bother about how i turned up to work as long as it was office wear or what i wear to the shops etc. Now though i'm trying to make more of an effort to just try and make the day feel a bit better

Thanks for the ousba info hon x

Oh yes - its terrible isn't it but if i have a day at home with OH out the way i can get loads done

DedicatedDFW

Yawn! Well i am very tired indeed So not sure how much of a start i can make - if at all

Will see if i can push myself though and i'd best move some stuff before my mr gets in from work

DedicatedDFW

JUNE TARGETS

Pay off £1550 £9/£1550

Sort cardigans

Sort jumpers

Sort leggins

Sort shorts

Sort skirts

Sort outfits

Sort long tops

Sort long sleeve tops

Sort t-shirts

Sort vests

Sort going out tops

Sort jackets

Sort dresses going out

Sort dresses work

Sort day dresses

Sort coats

Sort trousers

Sort jeans

Sort long skirts

Sort boots

Sort shoes

Sort casual shoes

Sort make-up

List 150 new items 2/150