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

DedicatedDFW

Aw thanks guys xx Will let you know how i get on - the appointment isn't for 2wks as they couldn't fit me in!

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 3 to do in total and just the 1 paid so far 2 parcels packed ready to go! Arrgh and Woooo! 15 items to do :j:eek: still 2 items to do that haven't been paid for grr! They only bid on them at the last moment and are only 99p things. All parcels packed - even the ones that haven't paid so they are ready to go :T

2, Pay Mortgage - end of month will happen in a matter of days

3, Post bay of e parcels 7 posted - Done! :T Post 3 parcels when all paid! 2 posted and now 15 to do!- when they pay of course !!! :j:eek: and 2 left to do when they have paid (as above). Now only 4 to post when they pay - Grrsomeness of 1 non payer left from last week.

4, After posting bay of e parcels work out profit for jwil £300 in November challenge £10 + £51.50 = £61.50 + £15 = £76.50 + £25.50 + £41.50 + £10 = £153.50 + £3 survey = £156.50 + £72 = £228.50

5, Run 5k 5 days a week 1 5k walk ? does that count and another 5k walk (as i was ill) Epic fail this month but will be loads better in December!

6, Sunday 18th!!! complete individual tax return and SUBMIT!! Still to do... must at least make a start before the end of the month

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. Just the fridge left to do work surfaces and then the corner of doom! FRIDAY 16TH FRIDGE clean still to do! Just the fridge to clean

8, complete product test Done!! :j:j:j

9, Clear utility room 1 cupboard work surface at a time 1 cupboard done and several bits sorted for the carbooty - next cupboard tomorrow night! 2nd cupboard done and worktop done and window ledge done! Next = cookery books etc. Done table top. DONE! :j just the fridge to clean :cool:

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. I'm still going to check for this but nabbed one in a different location so will class it as completed for now Done! :j

11, OU!!!! Hours tally 17/20

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. Need to work out gifts to buy - will do TODAY x

13, Get money and pay bill by the 12th Pay tomorrow!!! Done! :T

14, NVQ - Contact tutor Contacted tutor - must bring work home at the weekend and crack on. hours tally: 7/20 - forgot to bring work home MUST DO! this weekend. Yuck quite a bit left to do!

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... Shelves started - all bottom row done, 2/3rds of next row up done with 1 tool box to brave :eek: 1 tool box to do and then its all finished - cracked on with it when i got up Done!! :T

17, Confirm Meal Booking Confirmed with all attendees now just to confirm with the restaurant Done!!

18, complete timetable started

19, Come up with a plan to pay for new windows and gutters and fascias ... must, must, must make a start on this

20, Sort out date night arrgh! There aren't enough days in the month - must try harder!

21, Order meal vouchers Done! :T

22, Change gas & leccy supplier SATURDAY!!! Aaarrrgh! Sunday now Aaaargghhh!!! Tomorrow now! And Tomorrow! MUST DO!

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

24, Clean wall area TUESDAY!!! Friday now :eek: Done!! :T

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... and still keeping it up and still going...

26, Start going through cookery books (space is at rather a premium) And it might raise some money! 4 cleared and more to tackle! Done!! :j

27, keep a time diary

DedicatedDFW

Hi All,

I am trying to not get stressed over all the things i have to do and the limited time i have to do them in :eek:

NVQ is proving a huge drain *pickle* where were you when i was signing up? Actually i am doing myself an injustice there - i was supposed to be doing some in my own time and some in work time - turns out its all in my own time :mad: Now i just want to get it out of the way i know i signed up to it to help me get a better job ( a few places i've applied to don't recognise any quals other than NVQ which affects the paygrade i'd start on if ever i was successful quite significantly and probably affects chances of getting taken on too). The person fromthe nvq was trying to get me to sign up to extra stuff as well though! Aaaargghh! :eek: I've stressed how busy i am and i'm doing a degree so they said well when you finish 1 part we'll pop more down for you then - methinks not!

I've also ALOT to organise before we go away and need some essential bits for the holiday which i *have* to pick up today - will be running to the station shortly so i can try and get all of this done before work :eek: i am armed with a list! Got my new glasses - knew i needed them *sniff* so a big financial drain there but as a false economy i didn't get the cleaning spray Spent so much on the specs i didn't want to spend any more but obviously it is needed so need to get that - silly me!

I also need to sort out what we're going to do on hols - got a couple of ideas jotted down but haven't done nearly enough research but hope to progress on this today as well *fingers crossed*

I also need to sort out what i am taking so i know i have everything i need - after my declutter i have become aware that i have 1 long sleeved jumper!! Did i forget that i live in the cold and wet englandshire ? :rotfl: i actually didn't get rid of any jumpers that i'd wear just haven't spent any money on any this last year or so. Today i have my vouchers and hope to get 1 more jumper to keep me toasty

I've had to chase up 2 orders which didn't come - 1 for me (for kindle) 1 for my Mr still awaiting replies :mad:

I need to make progress on my next assignment for my degree *huge priority*

AND

I *must* at least make a start on my tax return - last date its due in is end jan so doesn't seem urgent but i kinda need to know what the bills gonna be before then - think it'll be circa £500 :(:( - over 2/3rds of what i earned! But thats what it was last year

Right time to dash off, start getting things done and crossed off my list and we'll see where i am up to later

jwil

Good luck with the list! Annoying about the docs though.

Why is the tax return so high? It might be a daft question but surely it shouldn't be more than 20% of what you earnt?

Chocforever

jwil wrote: »

Why is the tax return so high? It might be a daft question but surely it shouldn't be more than 20% of what you earnt?

I was wondering that too. Even if you have used up all your allowances through PAYE, I would expect you to be paying no more than your highest rate of tax, i.e. 20% or 40% on any other income. I suppose there might be NIC if you haven't got an exemption.

DedicatedDFW

Hi Guys,

I think the hefty bill was due to being told i'd not paid enough tax at work Think is due to the odd way they pay us sometimes - i did have the option to spread the payments out via tax deducted at work but was like 'nooooo' can't have even less coming in than i have now

Have done very little towards my list - have been ill every night and weekend for the last few weeks and was in real pain for most of yesterday ended up finally getting to sleep around 3ish which has been typical of late Decided i can only do what i can do. I'll tell NVQ person i've done what i can for now - which is true and aim to get one of the workbooks fully completed in december as well as book in for a mock exam to get it out of the way.

Forgot that tomorrow is the 2nd round of treatment at the dentist - 3rd week of going as week 1 was check up - i am not looking forward to it and i'll need to pay too :eek: I also have to do an MS after this so really hope i can actually talk with all the injections i'll need I also forgot that i need my travel sick tablets so another errand to run before work today i also lost the chance to do any study / hols planning on the train as even though loads of people get on at this time of year to do xmas shopping they still send only 2 carriages :mad: so i was stood up all the way into work yesterday - not great when you're already feeling super exhausted

Sorry for being a grumble, i am just feeling hugely stressed today and as i've already said if i'd known i'd have no support from work for the NVQ i don't think i'd have bothered because i know i just don't have the time. I'm also short of money but paid the overpayment to the mortgage which means i can finally update my sig :T

Challenge for december - stop spending ended up in primarni and got several bargainous items priced £2-£5 - including some leggings very similar to ones i've wanted for ages that are £28 :T

jwil

That's annoying about the tax. Your work really are numpties!

The NVQ - just do what you can - is it just a pass/fail thing? If so, scraping a pass isn't going to look any different than getting a really high mark.

Hope you feel better soon. Try and get some time to relax and look after yourself.

peaceandfreedom

DedicatedDFW wrote: »

Sorry for being a grumble, i am just feeling hugely stressed today and as i've already said if i'd known i'd have no support from work for the NVQ i don't think i'd have bothered because i know i just don't have the time. I'm also short of money but paid the overpayment to the mortgage which means i can finally update my sig :T

DDFW, You've done an amazing job this year. :T

So sorry to hear you are unwell all the time - this is rubbish - is there nothing that can be done to help you?

And how annoying that you are not getting support from work for the NVQ - have you spoken to your manager about it? As Jwil says, if a bare pass will do, aim for that.

Hope the dentist visit goes well, you are having a tough time at the moment.

Chocforever

As Peace and Freedom says, you have made a lot of progress this year and should be pleased with yourself .

It is awful that your health problems are chronic because it is wearing physically and emotionally. I wish there was some way in which I could help.

Dare I ask, how long does it take to get an NVQ?

On a lighter note, you asked how much my socks went for on Ebay and the answer is £25 . I have received £125 MS money so my total is £359 this month which I am really pleased with. December is not looking so good because I haven't done many MS recently and I have ground to a halt on Ebay because I can't think of what to sell. I thought I was scraping the barrel selling a pair of socks, but how wrong I was!

Take care

jwil

Well done on the sales and the total this month chocs - I completely lost count. That's a great price for the socks though!