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

DedicatedDFW

JULY TARGETS

Pay off £1000 £310 / £1000

Raise £350 for urgent maintenance job (that just got dearer )

Raise £100 for birthday celebration

Raise holiday spends - and then try to spend as little as possible

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 (money noted above)

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:

Copy all photo's and writing to external drive

Bay of e 0 / 100

DedicatedDFW

So i have just trawled through my paperwork and my direct debit for my ou course has had its final payment :j:j:j - i actually thought this was coming out until november - so it means i have a little more each month to throw at the debt I know i really shouldn't but i'm going to withdraw the amount budgeted for that along with the amount i've made from sales that have just paid up AND i'll withdraw the money for the start of next month as well :eek: and just pay it off my current target :eek:

I've got 2 other direct debits for insurance and i need to try and find out when the final payments come out for these - i am pretty certain they don't come out over a full 12 months - really just want to save that extra money each month Especially as i've so much that needs to be paid for

DedicatedDFW

Well I am exhausted this week so am not getting anywhere fast with my plans - i may spend some time at lunchtime today working on this - it depends on the one hand it'll keep me out of the shops and on the other hand i sometimes just *need* to get out of work

I've a few bids on some relisted items so that is all good.

I have alot to sort out for the urgent house maintenance job thats being done this week.

And i need to get some listings done to raise some money!

Hope everyone is having a good week so far xx

slowlyfading

Another long list! You don't do things by halves, do you? have a good day

DedicatedDFW

Hi SF - it remains to be seen how much i achieve though

Tired, tired, tired, and been spendy, spendy, spendy and i have ALOT to do before work tomorrow :eek:

Tired = thyroid - i'll have to man up

Spendy = horrid couple of days in work - went out for air, pouring down so i found myself in the shops - an all too familiar pattern Bought items i do *need* though - the wardrobe declutter and a few unexpected glimpses of myself in the mirror has shown me i am not the slim shape i believe myself to still - hence the reason the majority of my clothes don't fit :eek: Hoping i can eventually get the weight down and i did buy my stuff in the sale so we'll see - i could just as easily return it all tomorrow.

Rightio sleep beckons - night all x

slowlyfading

DedicatedDFW wrote: »

Hi SF - it remains to be seen how much i achieve though

I'm sure you will!

DedicatedDFW

Hello all

I realise i have been a very grouchy thing of late and it has to stop! It seems unfortunate that on my commute to work there are some very bad mannered people which never involves a good start to my day - its not the same people each time mind but you know, people pushing in front of you to get to the ticket office / train doors getting on / train doors getting off :eek: not moving belongings to allow people to sit down, loud swearing etc. etc. I need to stop letting these things irritate me - i think i let things get to me more now because i am just more stressed about the debt and thats filtering into everything else.

Then i go to work and yep, there are some rude people i work with there too and as i deal with customers then these can also be very rude - wonder why i want a new job anyone But none of this is any good for me and i am sorry i just seem to be moaning alot of late and i need to stop! I need to just let these things go and just think about me and what i am doing, can do and continue to be as nice, friendly and polite as possible. So i will try not to come on here and moan and try and focus on the positives - first things first a trip to the post office with some parcels

slowlyfading

We're all allowed to grumble at times don't worry! I hope today goes okay for you

DedicatedDFW

Thanks SF

I love the quote in your sig by the way i'm actually looking for all the dr seuss books - love love love them but never had a copy of my own so i think i'll scour the carboots for them first and then if i still don't find them i'll request them for my birthday and if i don't get them then maybe they can be a proper treat for me as my debt free celebration (second hand of course still) - because i know how to live! :rotfl::rotfl::rotfl:

Ok where am i up to ? I just had a complete panic as i couldn't find my writing stuff - i know i sound very untidy - its just that sorting out this job is taking so long i can;t remember where alot of things have been tucked away too - Oops Anyways - found now and packed in my bag - just got to find something to write with :cool:

I didn't try my new clothes on yet - too tired yesterday and this morning to even think about it so thats a job for tonight really. My end of work day should look something like this: home 10.15pm, wash pots, try new clothes on and put back in bags if going back, shower, lift out work clothes for thursday, move some things ready for the return of the workmen - its going to be tough Pack 3 parcels for post office. Thursday = post office, return items if they are going back, work, home 10.15pm move absolutely everything that i can move on my own I'll be glad once this job has been done and finished to be honest

In the middle of all this i will be continuing with my quest to find a new job.

Oh i didn't say what the new clothes were did i ? A new pair of pants 2 pairs of jeans and a top - the top was simply because i love it and have actually been looking for a top like this my whole life :rotfl::rotfl: everything was reduced to less that half price - the pants and jeans were £15 a pair which i think is really good value considering the quality of them and that they were £50+ at full price. But we will see if they fit and if they are 'me' and make a decision then. To be honest if i kept them all i'm not going to be too fussed about spending £50 on things that will make 3 outfits and that i'll actually have something that fits me rather than the leggings baggy top combo i have been in for months now. And its only been possible as i'm no longer paying the £90 repayment for my course. Of course that doesn't mean i can spend like this every month either.

Hope everyone is well - off to find something to write with

DedicatedDFW

Ooh i also meant to mention some other as-yet-undecided-upon exciting but expensive plan Remember i said i'd lurve an ipad with its own little keyboard - well i can't afford it sadly but an alternative whilst i save up could be a handy little netbook - any recommendations welcome Basically i need to study and type stuff up. I am thinking of getting up early in the morning and heading to the library (cost of train fare will be more) i would then study for 2 hours, go to the free gym for 1 hour and the other hour before work would be the time to get from the library to the gym and then cleaned up after the gym and to work. So i'll be fulfilling alot of the things i want to - my studying and writing and regular exercise :T The netbook will also give me the opportunity to do bits and bobs during the 2.5hour journey (this is round trip time).

So as i've absolutely noknowledge of netbooks any advice appreciated whilst i ponder this