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

jwil

:wave: Hope all is ok and you are feeling better now.

DedicatedDFW

Hi all,

Sorry i have not been on too much lately - i have just been completely exhausted. Not been doing anything extra other than going to work and coming home and going to bed so i have quite alot to catch up on! :eek:

Got the MS's all done finally as well Took me longer than normal but i guess thats what happens when you are now 100%

Sold a few bits on the bay of e and trying to keep a better track of target so £10 for this challenge in november and have 2 items with bids on as well which is good

Most presents for birthdays now bought now to wrap them :eek: next big spend after MOT = meal out and drinks for birthday so hopefully i'll have a better idea of where my money is up to then.

I am keeping a spending diary to check where all my money scarpers each month :cool:

brizzledfw

Good to hear from you. remember to take it easy, your health is important too!

jwil

Well done on the sales!

Chocforever

Argh - it is such a pain writing up a tedious MS report when you are tired and just want to go to bed. I did one like that last night. Writing up one of my least favourite reports where the client is, I feel, unnecessarily picky and expects their staff to be performing 100% at all times :cool:. I only keep accepting that assignment because it is somewhere I normally shop so might as well get £10 off the bill.

I have done a couple of MSs this week for manufacturers who want to know if their product is being recommended. No it isn't was the short answer. But so refreshing to fill in quick questionnaires with check boxes for what was recommended and why rather than having tedious commentaries of how I was greeted in a store....

I hope you can have a restful and rejuvenating weekend.

Take care x

DedicatedDFW

Hi all

Chocs the reports can be really long-winded can't they ? i have been really selective lately though and only put in for MS's i really want to do (as the place it is suits me ) I've stopped looking on some MS sites because of the small fee and the very lengthy reports. Actually i have been wondering lately where i got the time to do everything i did :eek:

I'm just popping in here whilst listing stuff on the bay of e - pictures take forever to upload so whilst it works on that i am having a quick catch up.

I must evaluate Octobers list and get on with Novembers list soon. Birthday meal out later and i have no idea what to wear i am sure i have something but can't think what... Plus i am walking there so will need to take that into account as well

Have about 6 items to list at over 99p and then a couple of things at 99p.

DedicatedDFW

November To Do List!

1, Pack bay of e parcels

2, Pay Mortgage

3, Post bay of e parcels

4, After posting bay of e parcels work out profit for jwil £300 in November challenge £10 + £51.50 = £61.50

5, Run 5k 5 days a week

6, Sunday complete individual tax return and SUBMIT!!

7, Clear kitchen 1 cupboard / work surface a day 1 done - bit of a cheat here as i did the easiest one where i pretty much knew we were keeping everything in it

8, complete product test

9, Clear utility room 1 cupboard work surface at a time

10, Check for the MS i want for next month and apply when / if its available

11, OU!!!! Hours tally /20

12, Sort out xmas gifts work out gifts i've ordered and what i am owed for these = FUNDS IN (probably get the money next month though) 2 people left to buy for...

13, Get money and pay bill by the 12th

14, NVQ - Contact tutor hours tally

15, Pictures to be stored onto external drive Sunday *if* i have started my assignment for uni - i have read at least half of text level 2, i am up to week 3 on the course and i have done the accounts!

16, clear storage - bags to be sorted for carboot + things on shelves

17, Confirm Meal Booking

18, complete timetable started

19, Come up with a plan to pay for new windows and gutters and fascias ...

20, Sort out date night

21, Order meal vouchers

22, Change gas & leccy supplier

23, read all of level 2 text for course

24, Clean wall area

25, Keep spending diary up to date started and it seems to be a help although its not magically producing any more money

26, Start going through cookery books (space is at rather a premium) And it might raise some money!

27, keep a time diary

Chocforever

Wow, that is some list .

I feel like I should make a list now! I've done virtually nothing this weekend. I was supposed to be away and decided not to go because the weather was awful and I've hurt my ankle/got shin splint so trying to speed up recovery by having my feet up. Have you also taken a break from running whilst you have been ill?

I'm getting a bit fed up with the running injuries. I only started this summer and have spent more time injured than running and just want to get on with it. I entered some races in advance to keep me motivated but I keep having to miss them because I haven't been able to train. I really hope that I can get a few months of running in soon! I booked a race for the start of December and need to get training asap.

I also started to get pickier about the MSs I accept and always look at the questionnaire before getting carried away and saying I'll do it. The ones I really object to are the ones that ask a series of questions which involve giving a blow by blow account of what happened. And then have a question saying describe your visit from start to end :mad:.

I have found there is more work about at the moment, I suppose in advance of Xmas, so I have a few MS lined up this week.

Have a good week x

DedicatedDFW

Hi Chocs

Haha! I think we are both thinking of the same place with the reports :rotfl: But well done on having a few MS's to do. I think I have sort of gotten out of the loop with it I intend to kick start it by pushing myself to do some of the scarier (for me) MS's :eek:

Don't worry about having a relaxing weekend i'm not sure that i did that much this weekend

Hope you recover from your injuries soon x I haven't done nearly enough running - when i get completely exhausted i struggle to do *anything* so running is out of the question as is walking anywhere that is not a complete necessity - it really is that bad But i do need to start up exercising again

DedicatedDFW

November To Do List!

1, Pack bay of e parcels 7 to do for now

2, Pay Mortgage

3, Post bay of e parcels

4, After posting bay of e parcels work out profit for jwil £300 in November challenge £10 + £51.50 = £61.50

5, Run 5k 5 days a week

6, Sunday complete individual tax return and SUBMIT!!

7, Clear kitchen 1 cupboard / work surface a day 1 done - bit of a cheat here as i did the easiest one where i pretty much knew we were keeping everything in it Up to date on my days with 2 more done whilst i had to hover around the cooker, a few more bits selected for carbooty. 7 more cupboards to go, all work surfaces and the corner that some people seem to think is the dumping corner :mad:

8, complete product test

9, Clear utility room 1 cupboard work surface at a time

10, Check for the MS i want for next month and apply when / if its available Bah! Nope i'll need to look towards end of month see if it comes up at a time i can do it

11, OU!!!! Hours tally .5/20

12, Sort out xmas gifts work out gifts i've bought and what i am owed for these = FUNDS IN (probably get the money next month though) 2 people left to buy for... 3 gifts thought of for 1 person (they'll get a bundle i'll need to get more than this though :eek:) I'll buy the first bits next week...

13, Get money and pay bill by the 12th

14, NVQ - Contact tutor Contacted tutor - must bring work home at the weekend and crack on. hours tally:

15, Pictures to be stored onto external drive Sunday *if* i have started my assignment for uni - i have read at least half of text level 2, i am up to week 3 on the course and i have done the accounts! 1/2 done as the computer wouldn't work and i got paniced :eek: but ran out of storage

16, clear storage - bags to be sorted for carboot + things on shelves

17, Confirm Meal Booking

18, complete timetable started

19, Come up with a plan to pay for new windows and gutters and fascias ...

20, Sort out date night

21, Order meal vouchers

22, Change gas & leccy supplier

23, read all of level 2 text for course

24, Clean wall area

25, Keep spending diary up to date started and it seems to be a help although its not magically producing any more money, up to date so far..

26, Start going through cookery books (space is at rather a premium) And it might raise some money!

27, keep a time diary