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

DedicatedDFW

slowlyfading wrote: »

You're so close to finishing your list! :j

Thanks SF I should have done the jewellery last night mind but by the time i got in from work, washed the pots and showered i was just too tired and wouldn't have done it properly I did manage to select 2 dresses for listing on the bay of e though - just got to get that done as well

I also need to start thinking about julys target :think:

DedicatedDFW

Morning all I am a very tired thing this morning - all week i have not slept well woken up worrying and telling my mind to switch off on bothersome things and had a bad stomach too. So its all starting to catch up with me as we get towards the end of the week. Just relieved i'm not working this weekend actually

So i've some things to think about what i want to achieve in july?

Money - obviously always a target

Work on my plans and do a detailed proposal for at least 2 sections 1 money and 1 not :cool:

Start running at least 4 times a week :eek: AND go to the docs and get the pain fixed rather than taking painkillers daily !!

Bake 1 lot of cakes from my new book (remember check the ingredients needed - it doesn't have to cost alot - *thats whats been putting me off*)

Do 1 lot of batch cooking maybe a broth or something in the slow cooker ?

Tidy my crafty things so like things are with like and so on

WRITE!!! Specifically: do full character background of bad/good character 1, full insight into the life of r2, dangers to the place and why and find notes for other writing piece.

Crochet 10 flowers

Sort out the urgent house maintenance job

Enquire about next job

Chase up urgent letter if still no response

Finish accounts - need to get tax return in

Have lunch date with my Mr - try and remind the man why he liked me in the first place :rotfl::rotfl::rotfl:

Sort out carbooty - if its not budging on the bay of e get emough stuff together for a £100 from a carboot :cool:

So that will all do as a start then

PinotGrigio41

Hello,:wave:

I am exhausted. I have been catching up on your last few days and you have worn me out so much. I think I may just join In a Pickle and Pippi in a corner and chill out for a while.....but before I do.

I need to totally echo exactly what jwil has said to you re the girl. I really wouldnt take it personally and your Mr sounds as though he is being very considerate of you and your feelings by not seeing her unless you are with him. Try not to let her worry you !!

Now Plans................... I love Plans, but sadly my plans havent worked out for many many reasons. I cant really help you write a plan 1 yr , 5yr etc but I like to have a plan in my head, even if its only tiny. If it goes a tad wrong I just adjust it a little. If you try and stick to it rigidly I do believe it can stress you out, upset you when it goes wrong and generally drag you down a bit if you try and be too regimented with yourself. Your head also has a tendancy to go and bit fuzzy and whizzy and thats not good either as you cant relax or sleep !! Your lists are good. I think you should continue with your amazing lists of which you are obviously so good at and achieving loads. Deal with the debt, then concentrate on being mortgage free. Think carefully about whether to then move onwards and upwards, believe me it brings its own stresses, the cleaning for a start without the hugely increased bills. :eek:

Now after that very long ramble, I am off for that rest, I wonder if Pippi and In a Pickle are still there in the corner, I will go and check !!

I hope you are feeling better today xxx

DedicatedDFW

PinotGrigio41 wrote: »

Hello,:wave:

I am exhausted. I have been catching up on your last few days and you have worn me out so much. I think I may just join In a Pickle and Pippi in a corner and chill out for a while.....but before I do.

I need to totally echo exactly what jwil has said to you re the girl. I really wouldnt take it personally and your Mr sounds as though he is being very considerate of you and your feelings by not seeing her unless you are with him. Try not to let her worry you !!

Now Plans................... I love Plans, but sadly my plans havent worked out for many many reasons. I cant really help you write a plan 1 yr , 5yr etc but I like to have a plan in my head, even if its only tiny. If it goes a tad wrong I just adjust it a little. If you try and stick to it rigidly I do believe it can stress you out, upset you when it goes wrong and generally drag you down a bit if you try and be too regimented with yourself. Your head also has a tendancy to go and bit fuzzy and whizzy and thats not good either as you cant relax or sleep !! Your lists are good. I think you should continue with your amazing lists of which you are obviously so good at and achieving loads. Deal with the debt, then concentrate on being mortgage free. Think carefully about whether to then move onwards and upwards, believe me it brings its own stresses, the cleaning for a start without the hugely increased bills. :eek:

Now after that very long ramble, I am off for that rest, I wonder if Pippi and In a Pickle are still there in the corner, I will go and check !!

I hope you are feeling better today xxx

Hi PG - lovely to see you - though i fear i am in danger of sending everyone off to sleep in a corner :rotfl::rotfl::rotfl: Thank-you for the input hon

DedicatedDFW

Hi all

Hope you are all well - i am well and truly exhausted - such a shame that so many days get wasted this way. I am hoping to get a new job with less of a commute and i've also requested that i change my hours at work - so we will see what this brings. In the mean time i guess i've just got to 'man up'

So i was thinking in this funny old world of t'internet where we share so much and know so much about each other on one level we could equally walk past each other in the street or sit next to each other on a train journey and we would not recognise each other.

I thought i'd explain a bit about the lists etc.

First things first is that when anything happens here its me that gets it done - ok sometimes my mr may be the one carrying out the job (due to me not being strong enough - muscle injury) but that's usually weeks or months after i've asked him to do it, repeatedly :mad: i know he has a life too and works - but so do i but that doesn't mean i don't get the grocerys in, cook the meals, wash the pots, ensure there's clean laundry etc. ON A DAILY BASIS :rotfl::rotfl::rotfl:Basically it is all down to me. Maybe i would enjoy sitting down and planning things out with someone else ? Sharing what we want to do and the best way to go about it - planning not only work on our home but our future, what we want to do, where we want to be and yes, even sorting out that pesky thing of money for the future. Then again though, i've never had that relationship with anyone, so i don't know.

My home - why do i want to move somewhere bigger ? Because this house is too small for us. I know, ridiculous isn't it how a whole house can be too small for 2 people What am i looking for in a home ? An ideal / dream - and why not ? would be what i looked at on the internet the other day 4 beds, detatched, office room, 2 bathrooms, garden to front and rear and a driveway. More importantly what do i want from my house ? I want (ideal) 4 bedrooms as this would give me master bedroom, 1 spare room for my mr and 1 spare room for me (aka my own craft room ) and a spare room for guests. Of course 3 bed would be good still as i could whack a sofabed in my spare room So i want the space to be able to do the things i enjoy i want a garden big enough to have raised beds in for my veggies - there isn't the space to properly enjoy that here - the garden is lovely but if i start cramming pots in everywhere it becomes untidy, hard work to get around and a bit unsightly taking the pleasure out of it somewhat I also want the garden big enough to have bbqs in and friends round too having a study is a major thing for me. Somewhere i can stash all my bay of e stuff, somewhere i can sit and write (i desperately need a room i can just shut the door and shut the rest of the house out so i can just focus) somewhere where all the letters can be stored and the computer too I'd also love a kitchen-dining room for dinner parties too So a bigger home because of the freedom it would give me to be creative and get on with things rather than struggling along due to the lack of space Hence the major never-ending decluttering

Back to the lists and planning - and who'd have thunk it ? When i have a list, a plan, a goal, i do so much more than if i didn't. I feel less like i'm drifting along and more like i'm purposefully getting things done Take junes list - in some areas i have achieved, others (money) exceeded and others - bay of e listings i am quite possibly going to fail - i'm not going to beat myself up over it. But i am going to work on it next month if i don't hit target tomorrow as this will 1, declutter = more space, 2, raise much needed funds (hopefully) 3, funds will go towards debt so it is just too important not to do

Now considering no-one will give me a mortgage now (huge drop in salary following redundancy) the move is a dream - but if i don't work towards it then it will never happen. Fingers crossed for a lottery win though eh ?

PinotGrigio41

DedicatedDFW wrote: »

Hi PG - lovely to see you - though i fear i am in danger of sending everyone off to sleep in a corner :rotfl::rotfl::rotfl: Thank-you for the input hon

Not so much an input I'm afraid ........more of a ramble that goes on and on and on way off into that corner where people are sleeping !!! :rotfl:

DedicatedDFW

PinotGrigio41 wrote: »

Not so much an input I'm afraid ........more of a ramble that goes on and on and on way off into that corner where people are sleeping !!! :rotfl:

:rotfl::rotfl::rotfl:

But seriously, some really good input and advice and it is truly appreciated xx

jwil

You'll get there one day

I have to do everything in our house too.

DedicatedDFW

Aw thanks jwil - i know how hard it is so don't want anyone else in the same situation but at the same its good to know i'm not the only one if that makes sense ?

DedicatedDFW

Tired.. tired... tired... Might manage to drag myself up to do something productive today but then again i might not

Hope everyone else is having a better start to the weekend