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

DedicatedDFW

peaceandfreedom wrote: »

Wow, you have been so busy, DDFW! :T

Good luck with the coming week - I'm interested to know how your plans pan out.

Thanks P&F

I am thinking of tweaking my plans a bit this week, there are a few reasons for this, firstly i spent £69 on the new clothes and bag (the bag being the most expensive purchase) :eek: Now if i go to the library as planned its going to cost me an extra £56 in travel costs each month *gulp* :eek: i know, i did know it would cost more and this is also at the cheapest travel rate possible without paying for a massive priced yearly ticket - which i can't afford (over £1000) and may end up being no good if i do get a new job. So by not heading off to the library i can do some damage limitation on the spending front.

The other thing is when i was in the library i didn't see anyone having a snack or a cuppa :coffee: :shhh: and also in the library it is of course very restrictive on the pattern of study where you study for x minutes then get up and do something (ie at home move the laundry etc.) then study again then have a cuppa or biscuit for a bit of energy etc.

Then on top of that i'll be adding an extra 45minutes travel time onto my day - the extra time to get to the library then from the library to the gym and finally gym to work.

So, I am going to be *very* strict with myself AND get up early - do my necessary packed lunch, bag for work, check banking and then set the timer and start writing I will report back on how this goes i'll then catch the slightly later train but earlier than my usual one to head to the gym :j

The beauty with this is as well that as i'm cutting out alot of the extra travel time and starting studying early if i need to go the post office i'll just have to get up earlier to still get 2 hours of writing in :T

I will report back with how i'm doing and if it seems i'm not doing as well as i should be and being distracted by non-urgent stuff then i'll be off to the library

Still pleased that i joined the library though

How are things with you p&f ? I hope work is busy for you and hope mr p&f finds work soon too xx

peaceandfreedom

slowlyfading wrote: »

Someone else said this to me the other day - it's just that we're saving for a house deposit at the moment, so every spare penny, both mine and his, is going towards that. DH is really sensible with money and never really buys anything either, which doesn't help my case! :rotfl:

Ah I see - he practises what he preaches, which is a good thing.

It was just when you said it I thought, 'hold on' but now I see you are saving for something specific and he is just keeping you on the straight and narrow.

I'm rather rubbish with money so maybe I could have done with someone telling me what to do with my own money - after all (as you can see from my sig) I haven't exactly done a brilliant job so far.

peaceandfreedom

DedicatedDFW wrote: »

I will report back with how i'm doing and if it seems i'm not doing as well as i should be and being distracted by non-urgent stuff then i'll be off to the library

Still pleased that i joined the library though

How are things with you p&f ? I hope work is busy for you and hope mr p&f finds work soon too xx

It's a complicated process for you to sort out your life. I know very well how easy it is to be distracted at home though. Hope it all works out for you.

Things are the usual here, I have a bit of work, not enough. OH still no sign but something has to happen soon!

DedicatedDFW

peaceandfreedom wrote: »

It's a complicated process for you to sort out your life. I know very well how easy it is to be distracted at home though. Hope it all works out for you.

Things are the usual here, I have a bit of work, not enough. OH still no sign but something has to happen soon!

Holler if you need to p&f - currently winding down before bedtime - got my alarm to set and then i'll start tomorrow with the restructured day - bit nervous about the gym :eek: :rotfl::rotfl: but quite looking forward to doing something just for me

DedicatedDFW

JULY TARGETS

Pay off £1000 £400 / £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: Done!


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

DedicatedDFW

So much to do still from my list - thinking tomorrow during my breaks throw a couple of bits on the bay of e to boost that total, writing will be happening probably do a bit of batch cooking at the weekend, running may be gym work instead but i need to get out and the pavements too - may have to adjust it to 3 runs and 3 gym trips.

slowlyfading

peaceandfreedom wrote: »

Ah I see - he practises what he preaches, which is a good thing.

It was just when you said it I thought, 'hold on' but now I see you are saving for something specific and he is just keeping you on the straight and narrow.

I'm rather rubbish with money so maybe I could have done with someone telling me what to do with my own money - after all (as you can see from my sig) I haven't exactly done a brilliant job so far.

Yep, at least I know there's an end point to all of it! and don't worry, you're learning now about managing money though, right?

slowlyfading

DDFW - good luck with your list today

DedicatedDFW

I have got some writing done already :T - getting into the mindset of getting up at the time i would need to to catch the train as if i end up going to the library i will need to make sure i am in the routine of early starts

Have checked banking - nothing fun happening there. Think if i pay another £10 off target 6 today then i move another %age so will try and get that out later.

I also need to go over my monthly figures, my debt money i'll need to use towards spends for the holiday now so will see if there is anything left to throw at the debts - no news on my MS money as yet - probably another month before i get that back which is making things even more tight :eek:

DedicatedDFW

JULY TARGETS

Pay off £1000 £510 / £1000

Raise £350 for urgent maintenance job (that just got dearer ) Paid £190 / £350 = £160 still to go see bay of e challenge below

Raise £100 for birthday celebration see bay of e challenge below

Raise holiday spends - and then try to spend as little as possible see bay of e challenge below

Work on my plans and do a detailed proposal for at least 2 sections 1 money and 1 not :cool: Money Plan Done! take paperwork with me to draft up other plan on train today

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

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 Started:- overview done, found other notes

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! :T

Finish accounts - need to get tax return in 20/07 evening

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


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 Done! All stuff not sold now stored for carbooty :T

Copy all photo's and writing to external drive

Bay of e 34 / 100