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

DedicatedDFW

Good News! The postie has just been and I have received my refund from the Post Office after they managed to overcharge me last week! Ok so it is postage stamps that I have received but they have sent enough to cover the cost of the overcharged amount and these will be useful too. One thing I don't need to keep track of.

Ok, here goes off to ring the subs people ...

DedicatedDFW

Go Me! I rang the subs people and at first she said the cancellation was fine, then she said I could write a letter. Several minutes later I established I need to write a letter (it wasn't optional as implied) and have now typed letter up and e-mailed to a friend to print off as I have no ink left and no money to buy any Eek! But I do have the stamps

jwil

Hi dedicated DFW, just had a read through of your diary, you've been doing really well!

There's a lot of knitting patterns on this site, not sure how good they are though! http://www.knittingpatterncentral.com/directory.php

Good luck with the debtbusting!

DedicatedDFW

Hi jwil, Many thanks for the webite linky - will hopefully get to have a look Thursday as am busy, busy, busy right now.

Am also a tired thing too *grabs phone and rings docs for prescription* probably goes some way to explaining why I'm so tired However considering each time I go I see a different doctor and the last doctor suggested I go back on that day for tests and so I do and then this doctor says they don't think I need the tests today maybe next week?! Like I have all the time in the world to keep going back :mad: I mean, I obviously want to get better but the constant re-scheduling of tests which I've actually turned up for and am sat waiting gto happend is just a complete waste of my time and definitely doesn't help with my energy levels :rotfl:

Eek! Bit of a rant there. Need to turn this day around really. Got up a tad later than I wanted to and should be merrily earning pennies doing a MS except its been cancelled so an early start and money not earned

Money News of the day I have 2 MS's lined up for today - though may complete only 1 if work faff around with my lunch hour like they have been doing of late.

Yesterday was an NSD - only purchased necessary food shopping which was all happily reduced price stuff, travel expenses and money spent on MS

I have also nabbed myself 3 new MS's go me!

Ok, progress is being made on the paperwork mountain of doom. Am now off to do a bit more on this. I will also be posting the cancellation letter today that I drafted yesterday and my friend is printing for me. If there's time before work I'll cancel the DD too.

Have a good Wednesday all - a 6 day working week for me this week so I don't have that happy Wednesday feeling, though should feel I'm on the home straight tomorrow

DedicatedDFW

Eurgh! Headache forming. Really should eat something before this time of day but when its an early start the 5 minutes extra in bed win out over breakfast and once I've started work I want to keep going then I can get back asap.

OH is due home early tonight which kinda scuppers the plans I'd made to do lots of 50day challenge stuff.

I know I have yet to work out proper budget to try and stop the frantic monthly money shuffle but I get paid on Friday and as this is my first wage since being taken on permanently I just want to check the figure then I am working with accurate information. I already know whats coming out to the penny.

Ok off to shower - hope its a good day for everyone.

DedicatedDFW

Well, am all showered!

Started the deep clean and de-clutter of the spare room so all good there.

Money New of the Day - found 2p early this morning Got given some magazines to peruse and already seen 2 ideas of things I can adapt for business Completed 1 MS and postponed the other until I'm in that area to save on petrol costs :cool: Today has been an NSD

:mad: Yesterday was not a NSD - did have my lunch moved by work grr! so no MS which would have taken care of my food wasted £1.78 on rubbish food which I did not even finish as it wasn't all that nice.

Been keeping up with my free bingo which I do enjoy and as I have now seen a treat for myself - after the practical purchases the other day I need to get some more vouchers soon! As this is all completely free stuff to me but is in vouchers not cash I am only now starting to appreciate it and how much it has helped - no way I could afford to actually buy anything at the mo.

DedicatedDFW

Money News of the Day Successfully completed 2 surveys without being screened out.
Listed 20 items on e-bay - is not all the things I have to list but do other items will all be 99p start prices.
Enjoyed nice meal out courtesy of vouchers.
Had a very frugal 30p tea - soup not very Sunday tea-ish but I cannot be bothered doing much just for me today.

Have made some more progress with my 50 day challenge list so all good there. Am currently enjoying a nice glass of chilled white wine - so rare we have anything like this in the house :beer:

Did try and look for oilcloth tablecloth but could not find any on e-bay or amazon Really hoping it is something I can pick up at an affordable price and do want one that will fit right in and make table look a little cottage-y

At the end of my 6 day week I'm fairly tired still have some paperwork to sort out so might try and put some more away now.

Hope everyone has had a good weekend

DedicatedDFW

Morning all, well it is absolutely pouring down here today and the wind has been howling for most of the night and morning. Really hope I can get a lift to the station as I will be drenched otherwise - I don't think my brolly is any match for the strong winds outside.

Well, progress has definitely been made!!:j:j:j

The Paperwork Mountain has been scaled and is now looking more like a small hillock. Yeah! The spare bedroom has been started as has the room under the stairs and I have even done extra niggly jobs as well - yesterday saw me re-organise 2 kitchen cupboards - was a case of lifting everything out in order to swap things round to be more functional - and it worked :T

I listed 20 items on e-bay yesterday, really hoping for some bids to get the cash in. I did miss listing 2 expensive (should get £20 each) items and have already promptly kicked myself for this.

Well it is the start of another hectic working week as I will be working at both full time and part time job but I have got Friday off from both jobs So roll on Friday!

Hope its as good a Monday as it can be for everyone - I am now off to try and sort some more of my 50 day challenge list - I have found this is brilliant for focusing the mind and making sure I actually get things done. Some of the stuff I have been putting off has been quite quick to do but I do know some of the stuff will take alot longer to tackle but it is good to have crossed things off and I have even started a new list of things I am coming across that need doing and instead of just trying to complete that as well as I would have done in the past and thus not reached my target or had any sense of progress I am making a note of them and they will go into my next 50 day challenge. :A

jwil

Lists are good Ticking things off them is even better!

Sounds like you've had a very productive weekend! Well done on tackling the paperwork mountain - that is something that needs to be done in my house - I have about 4 drawers which I stuff paperwork into to be sorted, and now I can't get into any of them as they are overflowing. I even bought some filing boxes a couple of months ago to sort it all into but haven't done it yet.

Hope you have a good week, I don't envy you with two jobs, I used to have two and it is so tiring!

Here's to Friday :beer:

DedicatedDFW

Hi jwil,

Many thanks for your supportive words. Am off to bed in a mo. but I felt a bit of an update was in order. I would prefer just to have 1 job definitely but as my f/t job doesn't come close to covering my essential outgoings I'll just have to soldier on at the mo. Soo looking forward to a break though - I love Xmas as well but I think i'm really looking forward to it now just so I can have a lie-in and not be rushing off to 1 job or another lol:rotfl:

2 shelves completely organised under the stairs. Only have 2 folders to sort out but these are such massive jobs that they will have to go on my next 50 days list. I have sorted all other folders and box files. I know what you mean, I really struggled to tackle the paperwork as there was just so much of it and alot of it needed more than just filing and I never had the time as always working or running around after others.

I have also organised a storage box for my OU course

Money News of the Day an NSD for me as took packed lunch so all good there. Tomorrow I have to pay for gym class (gulp!) so will see how it goes, I may decide that just running is for me until i have any money at all to spend on myself. Done my bingo for vouchers, I do enjoy playing so this is great as it doesn't cost me anything.

Night all x