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

DedicatedDFW

jwil wrote: »

You've done loads, well done

You are getting so close now, that's fantastic :T

Thanks hon - i couldn't have done it without you xx Still a few thousand to go mind

DedicatedDFW

JUNE TARGETS

Pay off £1550 £1848 / £1550 Done!

Sort cardigans Done! Keeping 7 of 9 and 2 to be listed for sale

Sort jumpers Done! Keeping 13 of 15 so 2 to be listed for sale

Sort leggins Done! Keeping 10 pairs and 1 pair to be listed

Sort shorts Done! Keeping 4 pairs and 2 pairs to be listed

Sort skirts Done!

Sort outfits Done!

Sort long tops Done!

Sort long sleeve tops Done!

Sort t-shirts Done!

Sort vests Done!

Sort going out tops Done!

Sort jackets Done!




Sort dresses going out Done!

Sort dresses work Done!

Sort day dresses Done!

Sort coats Done!

Sort trousers Done!

Sort jeans Done!

Sort long skirts Done!

Sort boots Done!

Sort shoes Done!

Sort casual shoes Done!

Sort make-up Done! couple of items chucked and will only need to replace foundation when it runs out. Need to top up on cleansers etc with vouchers

List 150 new items 55/150




2 dresses to try on - and list if they do not fit Done! 1 to keep 1 to the selling pile

sunglasses to tidy away (in accessories storage) Done!

bags to sort out Done!

Hats Done!

Scarves Done!

Gloves Done!

Belts Done!

Jewellery

Hair Accessories Done! Very easy to do as i had a very thorough purge on these last time so all are in order and being kept

3 other things to sort 1 still to do - a dress - i found a few more things so its been alot more than 3

Copy all photo's and writing to external drive

Sort drawer of gardening stuff Done!

Actually do the underwear drawers - no reason why not

jwil

DedicatedDFW wrote: »

Thanks hon - i couldn't have done it without you xx Still a few thousand to go mind

:kisses3: oh you would have done it anyway. I'm getting very excited for you though - even if there is a way to go, it's still amazing how much you've cleared :T

DedicatedDFW

Ta jwil - but you are responsible for alot of it - i would never have applied for the 0% without you prompting it and that made a massive difference as the balances actually started to drop rather than coming down just a little. And the POAMAYC challenge really focused me too.

Other peoples diaries also helped as well - when motivation is slacking i potter around diaries i've not read before until i find one that pushes me to do more

Still i'm not there yet and there's a long way to go!

DedicatedDFW

Hi all,

Feel free to ignore this its just a situation i need to get out of my head and then i'll be ok about it. I'll give some background though i'm worried i may sound like a jealous thing but i think context helps and at least then i've got it all out!

When i started dating my fella he knew a girl - i have since found out he never saw her socially until he was dating me. They are now friends - i wouldn't say they weren't friends before but they talk alot more now if that makes sense ? Anyways when we'd see this girl her parents would usually be there and they know my fella's parents so we'd all talk. They are friendly but i pretty much kept quiet as they had no interest in what i had to say but would comment alot about how much their daughter and my fella had in common, how nice her new hairdo was, how much weight she's lost etc. etc. At one point they even suggested that she sat on my fella's lap so there'd be a bit more room! They repeated this a couple of times trying to get a reaction. I was like - am i not even here - how rude! :mad: I had tried chatting with her a few times as i try to get on with people but she just talked to my fella really and gave him her mobile no. and e-mail address which is probably why they are more friends now as they are in touch this way and we have since all been out together socially quite a few times. She also invited him round to look at her new house (he didn't go he thought it would be odd not going with me).

Recently i've tried to increase my circle of friends (another story - terrible relationship years ago) and thought ok i'll try and make friends with this girl as there is no reason we shouldn't get on. So we went out socially a couple of times - each time i did all the arranging and the driving and we seemed to have a fun time. I did try and arrange other things but i got no reply until the day of the outing and that reply was that she was doing something else. I was a bit narked to be honest as when we'd been out she was constantly on her phone and i just felt she'd obviously read the message as soon as she got it and found something better to do. So the last time we went out she was saying oh we should go to this place you should arrange it for all 3 of us to go - as in with my fella. I did mention it to him actually but he was like 'well it'd be better if you're on a girls night out just the 2 of you.' Since then i have sent her a few messages about going out Bit ashamed really as each time she declined ages afterwards and the last time didn't reply at all

Now my fella has asked her to come on a night out with us and she has replied straight away and agreed. I will obviously be fine and polite and friendly when we all go out but jeez i got the message last time that she doesn't want to be my friend so am a bit

Oh well! Got it all out of my system now - i will just go and have as fun a time as possible

Chocforever

I like a plan. Not so good at executing them, but like plans all the same. I suppose I use them to clarify my thoughts on my priorities and, at least if I don't follow them through, I have given them thought and actively decide not to do something rather than just find I haven't got round to it, if you see what I mean.

I think there are merits to planning and prioritising. It is also think it is important to be flexible and change plans when appropriate and not interpret this as a failure.

I once filled out one of those tables where you list your top 3 aims in various areas of life (I think it was things like career, relationships, hobbies, social/charitable etc). I wrote the original about 15 years ago and occasionally refer back to it. It surprises me how little my answers would change over time; I suppose it reveals my true aspirations in life and I find it comforting that, in the main, I am staying true to them.

I realise that money affects most if not all of these things. It seems to me that you are doing the sensible things of reducing debt and looking for better paid jobs. The end is in sight for the debt and you might find you have different priorities when you are debt free. I wish you all the best clearing that last 19%.

DedicatedDFW

Hi Chocforever and thank you Its funny really with plans - i put ALOT! of plans down either after my birthday last year ? Or at the start of this year. anywho's i started off well and then left them for a long time but when i went back to them and wrote an update i had actually been doing stuff towards alot of the goals so yes shaping and prioritising what is in our minds

Yes money feeds into alot of it doesn't it - i want music lessons and these are £30 each :eek: and i'd need at least 2 a month :eek::eek: i can't afford them now but i can reassess how much i want them when i am debt free

How are you ? Hope you are good - i am all tearful after a horrendous day at work hoping i get a good nights sleep and wake up all refreshed and positive tomorrow xx

DedicatedDFW

Morning all

I had yet another terrible nights sleep but had to drag myself up on time as i wanted to check banking and i have a parcel i *have* to post. left it to the last minute as i was waiting of other people paying up too - 1 i already agreed could pay at the end of the month so thats fine, 2 others have been in contact explaining various problems in paying - again fine, i don't mind if they contact me - and the last item i had to start a dispute on :mad: why bid if you aren't going to pay ??

So just 1 little parcel to post, whats the betting that when i get back a couple of other payments will have been received?

I've whittled target 5 down to £180 - sadly though i definitely don't think i've enough listed on the bay of e to reach this target by the end of the month. Not that this was the target of course, the target was to catch up on being behind.

So i need to set up some new challenges for july - whilst trying to finish off junes challenge i'll try and push myself to tackle the jewellery tonight and then the underwear drawers thursday which will leave me with a dress to try on on friday as well as copying all the photo's on the comp and then if i split the 95 remaining items to list between 45 friday and 50 on saturday i will at least have achieved everything i set out to do :eek:

95 items to list is a huge amount though - especially when i need to find those 95 things first. Still it'll help with the declutter of 100 clothes challenge and any new listings will hopefully help with the money target for july - yet to be set but i'm thinking £1500 ?? crikey knows how i'll hit that next month, especially as i need to squirrel some spends away and find £250 for the job thats being done!

Rightio - a parcel to post and then i can get back and have another much needed cuppa :coffee:

jwil

Hope you're feeling better today DDFW.

I wouldn't take it personally about the girl. Your OH seems to be being fair to you in the main (despite his inconsiderate parents :mad:) by not going out with her without you or inviting you along to their plans. There may be genuine reasons why she has not got back to you before (i.e. she is inconsiderate too or she may have been busy) and your OH happened to text her at a time when she was able to reply straight away.

(Actually that happens to me sometimes, people text me, I read it when I'm doing something else, and then forget to text back so it can be a while before I remember. I don't mean to be rude, it's a genuine mistake).

I think we all know people who sit on their phone constantly when we are with them, and it's the height of rudeness.

If she's not going to make the effort, then there's no point you doing so, and just when you do see her, be polite and friendly and leave it at that.

DedicatedDFW

jwil wrote: »

Hope you're feeling better today DDFW.

I wouldn't take it personally about the girl. Your OH seems to be being fair to you in the main (despite his inconsiderate parents :mad:) by not going out with her without you or inviting you along to their plans. There may be genuine reasons why she has not got back to you before (i.e. she is inconsiderate too or she may have been busy) and your OH happened to text her at a time when she was able to reply straight away.

(Actually that happens to me sometimes, people text me, I read it when I'm doing something else, and then forget to text back so it can be a while before I remember. I don't mean to be rude, it's a genuine mistake).

I think we all know people who sit on their phone constantly when we are with them, and it's the height of rudeness.

If she's not going to make the effort, then there's no point you doing so, and just when you do see her, be polite and friendly and leave it at that.

Thanks hon - i just wanted to get it out of my system. As you say i will be my usual nice polite self when we are out but i won't be going out of my way with her. Especially as i have one of those phones that saves the messages i send as well as receive - kinda cringeworthy that i tried to arrange something a few times without any response whatsoever I was also kinda peeved that my fella had asked her - i'd have been peeved if he'd asked anyone because its near to a special occasion for us so i was going to try and set it up for a bit of a celebration and mini break - on the mse side that'll save some money though