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

DedicatedDFW

Wise words pickle - i am all out of sync with my sleep pattern at the mo. though - i think i got about 2 hours at the most last night - i should probably have just gotten up and done something productive - Grr! I was so out of sorts i rescheduled my expensive MS as well. I really think getting in 10.30/11 as i pretty much am now is not helping - i get home and feel awake - there is no opportunity to alter these hours without changing my job though - and i've not found any new jobs to apply for lately. Something else i need to schedule into my routine though as i am so focused on work / study / debt at the mo. as well as the typical grocery shopping / washing / ironing / cleaning etc. etc.

Although i have not been as focused on the debt as i should have been today Confessions of a little shopper I found out yesterday that a few shops i like had sales on so headed out in my lunch today and bought.... 6 things.. 6!!!! eep! what was i thinking :eek: Sometimes i think i have a subconscious urge to sabotage my debt free efforts Anyways i haven't tried anything on yet but 5 of the things i got i wanted/needed for months. There was another item i have wanted for a long time but i'm hoping it will be reduced a bit more first. I will try these things on and then decide if i'm keeping them. I know some of the reasons i buy stuff - i like 'pretty' things - i hope by having nice things then i'll look nice in them and feel good about how i look and feel this helps with confidence too. (yes i'm a tad on the insecure side) i'm also a girly girl in some ways - handbags / shoes / nice clothes. Since gaining weight i have been living in leggings and loose / baggy tops for a long time so i now have a few more things in the size i am now (that will hopefully fit). I have not done a shopping spree like that for a very long time though. I also know when i was younger i didn't get anything new very often - if i did i didn;t get to go the shops and choose something it was just bought for me - or of course i had hand me downs. I obviously shop at the carboot lots now so having something second hand is not a problem for me - in fact i love finding something i want thats a bargain. So understanding all these things for possible motives for shopping i don't know why i can';t deter myself Although it may be significant that i only feel guilty about the extra item i picked up that i hadn't had my eye on for a while - a dress reduced from £50 to £15 - all the things i got were a similar discount so a good price. I didn't spend more than the extra i've made this month either. Although i'd forgotten about the £200 i spent so i am a bit :eek:

Hoping to get to bed in a bit hope you are all well xx

slowlyfading

We all need new things from time to time, don't worry about it

jwil

Hope you got some good stuff

slowlyfading

Happy Friday to you! hope you're doing okay

DedicatedDFW

Hi all,

Had a completely rubbish day yesterday - car broke down in the middle of nowhere it couldn't be fixed where it was so had to arrange to have it towed (more expense) Luckily i got it back this afternoon - but the mess about yesterday took up pretty much the whole day and a good chunk of time and money this afternoon Which means the money i had budgeted for the MOT has all gone and more besides which i haven't got.

Oh well...

Have started going through the bits i bought the other day and seeing what i can return for a refund now - worn some things - work shoes & a jacket & a cardigan already so i can't return everything. Also gone through a good selection of clothes and put some out for the carboot, thrown some other stuff and got a few bits for the bay of e.

Also, one whole day late i got the tax return done, printed and in an envelope ready to go. Thank Goodness! In the process got a few bits tidied away - quite alot more to do. So best get on - hope you're all good x

jwil

Sorry to hear about the car, there's always something.

DedicatedDFW

jwil wrote: »

Sorry to hear about the car, there's always something.

Thanks jwil - you are so right x

DedicatedDFW

Urgh! Does anyone know how to get more hours into the day ? Or more days into the week ? Or, failing that, more energy so that more can get done in the day ?

I have to conclude that sundays are pretty much a write-off for me in terms of 'getting things done' i'm usually just too tired, in shock that work is looming large on monday and then added to that i seem to keep having unexpected social callers and i also need and want to spend some nice time with my mr

I returned a few items today - i was hoping for a refund on everything but one of the items i got could not be refunded :mad: apparently it says on the receipt exchange only - yeah after i've bought it! the sales assistant was lovely but grrsomeness!!! So i have instead got a fabulous pair of leggings - they don't look much on the hanger but i saw a girl with them on the other day and they look fantastic worn and a skirt and a bracelet - i was scouring for the cheapest things i'd definitely wear so was very happy with what i got from the sales section although of course cash is king and all that! At least it was a bit of a silver lining...

I desperately *need* a new job but am not really sure when to look and have no time to spend applying i was thinking of contacting a job agency but the ones near me seem or should i say that were near me don't seem to be there any more i think i'll just need to take the plunge and track down a job agency and get my cv in. Just don't even have the chance to do this - work is so draining

I'm trying to save a bit of money on the old xmas budget so will be sorting out my little stash of gifts this week - i'm hoping the people i budgeted £20 for that i've already got them enough *fingers crossed*

My huge 'try on and clear out' got rid of between 20-30 items which is good :T some to bay of e some to carbooty and the odd item thrown out. Some are in the wash so if they are ok they'll get listed next time I did quite well on the clearing out but got held up with visitors so a bit more to do and then to tackle the almost inaccessible spare room - i don't even know whats happened in there :eek: :rotfl::rotfl::rotfl:

Hope you are all well xx

slowlyfading

Well done on the clear out it sounds as if you're still not 100% remember to take care of yourself too x

jwil

Well done on the clear out! I'd like some energy too!