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

brizzledfw

Hi lovely DDFW! Great to see all your doings and the way you are always keeping on keeping on. You have stamina in buckets! I am so impressed!! Can we hear more about the plan???

Maybe try a mind map....that way you can make it look pretty :-) I can never work the mind map sw for the ipad that easily so I agree pen and paper can be a good way forward!!!

Hope things are OK. Sorry for the absence....have missed you all!

Brizzle

DedicatedDFW

brizzledfw wrote: »

Hi lovely DDFW! Great to see all your doings and the way you are always keeping on keeping on. You have stamina in buckets! I am so impressed!! Can we hear more about the plan???

Maybe try a mind map....that way you can make it look pretty :-) I can never work the mind map sw for the ipad that easily so I agree pen and paper can be a good way forward!!!

Hope things are OK. Sorry for the absence....have missed you all!

Brizzle

Hi brizzle lovely of you to stop by - especially as i know from your diary that you are so busy with work and at home things too. I shall have to leave shortly so will try and stop by your diary over the weekend.

Plan is nothing major but something i think will make a huge difference to my life. I work until quite late at night and don't often get home until 10.15pm-11pm and thats if all the trains run on time. By the time i get in i'm too exhausted to do anything much. And then as i am inevitably going to bed late, i'm then getting up late as i'm tired and the whole week goes by and i feel like i've achieved nothing. The work i do is very dull but exhausting - possibly because the office is uncomfortable to be in, that i sit at a desk for 8 hours a day for practically minimum wage and because i am not inspired / stretched by the work i do. So i am going to restructure my day - i have requested a change of hours at work which i have not got yet but have found out other people have when i had asked first :mad: but that is just another reason i want to leave there - so i have restructured the bit that i have control over.

Next week i will be setting my alarm and getting up early. I will catch the early train and go and work in the library for a couple of hours. Following this i will then aim give myself an energy boost by going to the gym for an hours workout and then i will arrive at work.

In this few hours in the morning then i will be doing what i want to do and hopefully start to feel better for it and also see the benefits from it too

The major challenge is of course the early starts - battling with exhaustion does not help with this at all

brizzledfw

Really pleased to hear this. Great you have a plan thats all about making you feel positive and about making time to do things eg. Gym that are about being healthy.

Best of luck with it and hope you have a great weekend..despite the weather!

PinotGrigio41

Hope that your new plan helps you feel better and more positive. The late nights early starts are a killer. We often fall into bed about2am after work for the alarm to buzz about 5. Its a nightmare, but I am the same if I then do get a chance of a lie in I get very angry with myself as I feel IVe wasted my day !

I really hope you can put your plan into action, I am lookign forward to hearing how it works out for you.

Take Care of yourself , you sound really fed up of late xxx

jwil

Good luck with the plan!

DedicatedDFW

Thanks everyone for your positive input and support - something which is lacking in my real life friends / family. And PG you are right i am very fed up - all to do with work really and paying workmen to do a job and then discovering they've done a carp job and chasing them and trying to get it all sorted out and that is of course very stressful when i have no money and have spent it for them to do a substandard job :mad:

But its now le weekend :j:j:j Which i may have celebrated last night by having a few too many drinks :beer::beer::beer: but not to worry - i don't do hangovers so am all good and preparing to do *something* today - there is alot to do - i might sort out some stuff from eb*y to carboot stock instead. Get a few bits listed on the bay of e and

SORT MY BAGS OUT FOR NEXT WEEK :j:j:j The first step to putting my new plan into place

Thank you all - hope you are having a good weekend and that the weather is glorious where you are

DedicatedDFW

Haha typical of me and my butterfly nature - i have achieved part of alot of things :rotfl::rotfl::rotfl:

college bag - part done
gym bag - part done
eb*y - part done
clothes & shoes - part moved

:rotfl::rotfl::rotfl:

OK time to start getting things ticked off on lists methinks so for college bag i still need notepad and to go in there and then i pretty much think that can be called done!

Gym bag needs sneakers, shower gel and towel *deoderant will need to go in on the day as i have no spares

I'll do this i think, then make lunch, read some more diaries - been doing lots of that but it is the weekend after all

Then list few niggly bits on the bay of e, pack parcels paid for and start the purge on the kitchen and maybe think about the crafty stuff - not purging, just organising and the cricket is on but i;ve not got round to watching it yet :eek:

jwil

Hope you had a good night last night. You've done loads again today :T

DedicatedDFW

JULY TARGETS

Pay off £1000 £320 / £1000

Raise £350 for urgent maintenance job (that just got dearer ) Paid £190 / £350 = £160 still to go

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: Money Plan Done!

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. + overview

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 Done!

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: Lowered prices of stuff to price i would put at carbooty so will see how things move

Copy all photo's and writing to external drive

Bay of e 15 / 100

peaceandfreedom

slowlyfading wrote: »

I would love an iPad too - but DH won't let me get one as I don't need one

Really? It would be a rainy day in hell before my OH tells me what I can do with my own money.

Especially as he p****s a fortune down the toilets of the local pub. Oops, sounding a bit bitter there.

Seriously though, SF, are you not allowed to decide what you spend money on, assuming you have some money at your disposal? Does your DH never spend money on 'wants' rather than 'needs'?