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

Chocforever

I'm sending positive vibes for the assignment. Get the main points down and don't worry too much about the style if you are running out of time.

InaPickle

Your essay will be way better than you think it is, Dedicated - they always are, as we are hyper critical when it comes to our own work!

Once it's out of the way GET SOME REST! (I MEAN IT!)

xxx

slowlyfading

Sending positive vibes for the assignment x

brizzledfw

:wave:Sending positive thoughts to you dearest DDFW

jwil

Positive vibes from me too Your essay probably isn't as bad as you think it is, and it's definitely better to submit something rather than nothing.

As you know with my course this year, I thought everything I submitted was truly awful as I couldn't manage with the morning sickness and everything else. I passed all but one assignment with MUCH higher scores than I expected. Even the one that I technically 'failed' I did better than I had thought, and those points still bumped up my end grade. Lets just hope I pass the end of course assessment on that basis too!

DedicatedDFW

Thank you so much everyone - assignment submitted :j:j:j

And it is indeed the most important thing that i handed it in

Sadly the xmas gifts i got weren't right the recipient liked them but they were the wrong size so a few things to return now and back to square 1 on the xmas shopping front! Bah! :eek:

Oh jwil - lets hope i do better than i think i have as well

PICKLEEEEEEEEEEEEEEEE! what have you been up to hon ? Hope all is well in the land of the vinegar jar

Brizzle - i can see from your diary you've had lots happening - am sure the budgets will all come right for you hon - it is so hard isn't it making everything work x

SF - thank you for the reply - i now need more ideas for new years challenges

DedicatedDFW

November To Do List!

1, Pack bay of e parcels 7 to do for now - Done! :T 2 more - lets hope more sales add to it

2, Pay Mortgage

3, Post bay of e parcels 7 posted - Done! :T

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. 8 more cupboards to go, all work surfaces and the corner that some people seem to think is the dumping corner :mad: 6.5 left to go - did 1/2 a shelf whilst at the cooker yesterday Now 3 and 2 x .5 left to go - i don't see it as 4 as the .5 are in separate cupboards - the high up bits i need a ladder for! 1 fridge, 1 cupboard and .5 of a cupboard to go.

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 11/20

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... Bought 1 or 2 bits yesterday Picking another 1 up tomorrow - all will need to be checked by the recipient that they are what they want though

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 Bottom end of cupboard sorted, bags sorted maybe start 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 SATURDAY!!!

23, read all of level 2 text for course SATURDAY!!!

24, Clean wall area SATURDAY!!!

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.. keeping up to date with it... and still keeping it up

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

27, keep a time diary

DedicatedDFW

Aaargghh!! Why did i not put my assignment on my to do list

*feels cheated of putting a very satisfied *done* next to this :rotfl:

Chocforever

You are doing well. I see you have £61 in the monthly challenge and the OU work is going well.

Your post has reminded me that I need to get properly organised again. I knew I had let things slide for one reason and another; everything seems like hard work at the moment; but I even missed a concert last night because I forgot to go .

I think my ankle injury is finally getting better so I might be joining you (virtually) on the 5k runs soon. I have learnt why runners talk so much about injuries. Every small muscle imbalance and weakness that in ordinary day to day life might only cause an ache or niggle, is amplified many times by running. I am finding out that it isn't really the running that is the problem, it is all the underlying health issues. At this rate, with all the rehabiliation exercises, my body will be in the best state it has ever been in and I won't have even run very far :rotfl:. I'm hoping I might be in a good enough state to parkrun next Saturday. I won't be expecting a great time but I like going and there is a really nice bunch of people there who are encouraging to the slow coaches like me .

Must go in search of things to Ebay I think before you race ahead of me in the monthly challenge

DedicatedDFW

Hey Chocs - sorry you missed a concert hon x

Hope your injuries all clear up and you get to your park run - i should have been running today but me and my fella went for a walk instead

Done another hours OU to add to my tally and i have been decluttering apace!

At the moment i am already looking forward to next weekend for a break - only because i had to go out yesterday and today and then tomorrow i have an appointment - next week i am hoping to have 1 day where i can just do what i want all day