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

DedicatedDFW

Chocforever wrote: »

You have done really well with the overpayments.

Is target 7 the last debt?

Aw thanks Chocforever It is the last bill - but with no savings buffer i will use this as my cushion if the need arises - i'm hoping very much that that doesn't end up being the case but as alot of us on these boards know sometimes things happen that scupper the best laid plans.

How are things with you chocs? Hope you are good.

I am soldiering on - i've been under the weather for a few weeks now and this glorious weather which is saving me a fortune in heating costs is unfortunately one of the things keeping me awake at night (being ill i'm alot warmer than usual and i can't cool down) so thats not helping with sleep and i can't just pop outside to reduce my temperature as its just too warm! - i must sound like i'm never happy with things :rotfl::rotfl::rotfl: Think being poorly is just becoming a bit of a drag now!

DedicatedDFW

InaPickle wrote: »

Hi Dedicated!

I read more than I post due to time restrictions and you still blow me away, but since you are so near to your debt-freeness, it seems like a great thing to keep hurling cash at the comparatively teeny-weeny debts. You won't know what to do with yourself once they are all gone...forever!

You're ace, you know. Start giving yourself some more credit!

P.S. Hope your hair is nice!

Pickle!!! Hope you're good hon ?

i am a bit embarrassed actually as i thought at this stage i'd be throwing everything including the kitchen sink at the debt - well you know what i mean But as i said in my above post i've just been doing what i can for now. I think i picked up a bug on holiday - was ill whilst there and since returning so i'm just hoping if thats the case it'll be out of my system soon.

I'll have plenty to do once the debts gone though :cool: I've got my OU course to do - so hoping i got loads of great time to spend on that rather than spending forever getting screened out of surveys.

What course are you doing Pickle ? I loved your diary - it always moticated me to get some work done reading about your deadlines for assignments and what you needed to do

DedicatedDFW

slowlyfading wrote: »

You're doing so well :j

Thanks SF It actually seems harder now that there is less left to clear - i think its because all the big stuff (easy wins money wise) has been done and having decluttered to the nth degree there is little left of any value to sell and may sales have been slow this month too.

Thank you for popping in to 'see' me x Will have to get over to your thread in the next day or 2 and find out more about your fabulous hols

DedicatedDFW

Hairdressers:~ Saved £8 = £8 to target 7 (round up to £10 for ease)


Gas & Electric:~ Saved £5 = £5 to target 7

Petrol:~ May have saved £5 - will confirm Sunday


Grocery:~ OVERSPEND £11.20 - will be calculated as a monthly thing as the overspend was down to needing to replace lots of things - tootpaste, tinfoil, kitchen roll, toilet roll - and now have enough to last more than a week. i also bought some hair stuff that i *have* to use and it was less than half the price - can't believe i only bought 1 but i'd already worked out that the shop was getting a bit more expensive than i'd like


19/08/12

Petrol:~

Did save £5 this week :T

Frittery Money:~

£20 left - will see how this goes as there is the rest of the week to get through plus i'm going out for a meal - we will see :cool:

Grocery:~ OVERSPEND £5.56

Running Total of Grocery Overspend = £16.76

slowlyfading

DedicatedDFW wrote: »

Thanks SF It actually seems harder now that there is less left to clear - i think its because all the big stuff (easy wins money wise) has been done and having decluttered to the nth degree there is little left of any value to sell and may sales have been slow this month too.

Thank you for popping in to 'see' me x Will have to get over to your thread in the next day or 2 and find out more about your fabulous hols

Sorry for not posting on your diary more often - I do read it though! Sorry to hear that you're struggling how much is left to pay off? I think you're doing great

Chocforever

Hang in there. It will only be a matter of weeks until the OD is paid off.

Are you doing an OU course now, or is it something you are planning on doing? I finished an OU degree a couple of years ago. It was hard work but I really enjoyed it. I am thinking of doing a masters at some point, maybe the year after next.

I have just started running and thought of you when I ran my first parkrun last week. Is there a parkrun near you? Everyone was really friendly there and it will be interesting to see if I can improve my 5km time (there is plenty of scope to do so!). It is free and sustained by people volunteering every so often and a bit of corporate sponsorship. It had a nice community feel to it.

Hope you have a good week

InaPickle

DedicatedDFW wrote: »

Pickle!!! Hope you're good hon ?

i am a bit embarrassed actually as i thought at this stage i'd be throwing everything including the kitchen sink at the debt - well you know what i mean But as i said in my above post i've just been doing what i can for now. I think i picked up a bug on holiday - was ill whilst there and since returning so i'm just hoping if thats the case it'll be out of my system soon.

I'll have plenty to do once the debts gone though :cool: I've got my OU course to do - so hoping i got loads of great time to spend on that rather than spending forever getting screened out of surveys.

What course are you doing Pickle ? I loved your diary - it always moticated me to get some work done reading about your deadlines for assignments and what you needed to do

And therin lies the problem...lots of dealines...less of the sticking to them! :rotfl:

To be fair, if you are feeling a bit under the weather, and a little less motivated as all the 'easy win' stuff has been done, it's little wonder you aren't feeling so motivated. Don't worry about it...keep on keeping on and you will get there anyway, espcially once the bug is out of your system and you end up with a bit more energy and get-up-and-go. Be kind to yourself in the meantime!

As for the OU, I have NO idea how you have managed to do it on top of everything else: your time managment skills must be stupendous (mine, I have come to realise, are less than sterling). If all you will have to do is work one FT job and then study, you won't know yourself!

And I've been doing some, erm, sports massage. Whodavthunkit, eh?! :rotfl:

DedicatedDFW

slowlyfading wrote: »

Sorry for not posting on your diary more often - I do read it though! Sorry to hear that you're struggling how much is left to pay off? I think you're doing great

Hey SF - no need to apologise - i do appreciate you - and everyone else - popping in and giving their support

I've another £20 to pay off the target so that'll be £1160 then :eek:

DedicatedDFW

Chocforever wrote: »

Hang in there. It will only be a matter of weeks until the OD is paid off.

Are you doing an OU course now, or is it something you are planning on doing? I finished an OU degree a couple of years ago. It was hard work but I really enjoyed it. I am thinking of doing a masters at some point, maybe the year after next.

I have just started running and thought of you when I ran my first parkrun last week. Is there a parkrun near you? Everyone was really friendly there and it will be interesting to see if I can improve my 5km time (there is plenty of scope to do so!). It is free and sustained by people volunteering every so often and a bit of corporate sponsorship. It had a nice community feel to it.

Hope you have a good week

Hi Chocforver - i've started OU but my next module isn't for a few weeks now - a masters sounds very exciting and congratulations on completing your course too

There is a parkrun actually but i'd not really describe it as being near me - its at least a 20mins or more car journey to get to it - probably longer with satday morning traffic. In a way i feel it would defeat the object of me being in the open air surrounded by nature by using a car to get there and the damage to the environment if that makes sense ? I seriously considered it for all the points you raise - the sense of community, support, friendship and friendly competition too. I now thinki i actually need to improve my running and be able to run to the park in time for the run and do that and then run back :eek: *Eep!* My 5k isn't great at the mo. - maybe we should share times to see how we're doing ?

DedicatedDFW

InaPickle wrote: »

And therin lies the problem...lots of dealines...less of the sticking to them! :rotfl:

To be fair, if you are feeling a bit under the weather, and a little less motivated as all the 'easy win' stuff has been done, it's little wonder you aren't feeling so motivated. Don't worry about it...keep on keeping on and you will get there anyway, espcially once the bug is out of your system and you end up with a bit more energy and get-up-and-go. Be kind to yourself in the meantime!

As for the OU, I have NO idea how you have managed to do it on top of everything else: your time managment skills must be stupendous (mine, I have come to realise, are less than sterling). If all you will have to do is work one FT job and then study, you won't know yourself!

And I've been doing some, erm, sports massage. Whodavthunkit, eh?! :rotfl:

Pickle!! :j:j:j I remember you talking about sports massage (i am sure i do anyways) Congrats to you :T:T:T

I've just checked my mails and sold a couple of bits AND got my £40 *nepoll through :j:j:j so today i'm reducing the target by £70 which is a nice good chunk - £20 due to not needing the train next week on the bank hol and also i used fritter money for train fare today

My time management is in no way fab - especially when i have a day planned and then my Mr informs me that he needs me that day to help him with stuff :eek::eek::eek: There are times i'm sure that the boy thinks i'm his apprentice :rotfl::rotfl::rotfl:

Delighted to have paid a good chunk off today and delighted to hear from you again too pickle

Keep in touch hon!