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

DedicatedDFW

Hi All,

Yikes! :eek: My weekend feels as though it has disappeared ratherly quickly.
Righto! Best crack on am due to leave for work shortly and have managed to get myself only half dressed :rotfl::rotfl::rotfl:

jwil

Hope that's 30 minutes a day and not 30 minutes in the whole week for yourself

DedicatedDFW

Hi All

Erm Jwil - yes that is 30mins a week - no way i could get up any earlier to give myself 30mins to myself a day eep! :eek: One of the many reasons i want a job that does not mean spending approx 3hours travelling a day

Got home from work and washed pots, made and had tea with tv on in background and a bit of reading on here :cool:

Have moved some papers out of box from mums and currently working through a folder from that too

Have done both lots of free bingo

Spent £4.50 on 3 lots of reduced price meat :T Should make a good few meals so am pleased with this.

Ooh confession time - asked Jwil for advice / support on a new coat and jumper i had seen reduced in the sales - think this was partly due to wanting some retail therapy after the last couple of weeks and nice new clothes which actually fit managed to restrain myself though. This is a good reminder to me to look out for those emotional triggers (shockingly i would have had to borrow the money to buy these :eek::eek::eek::o but as i am due extra from work i did a while back i was intending this as a little treat £35 instead of £107).

Target 1 now stands at just over £1025 - interest will be added however and sadly i will not manage to clear this in March.

I now need to come up with some ideas to raise the cash to clear this in full in April. Plans so far are:

Reach payout on 2 x surveys - these should be either £40 each or £30 and £40 - 1 pays out quickly not sure on the other but this is minimum £70 (very close to payout on both)

Had some p/t work cancelled again this week (not the 6 hours I am giving up) cannot rely on this too much but expect £37.50 to be available as an overpayment unless lots more gets scrapped.

Aim for £100 in e-bay sales, intend to reach this by listing 10 items a week as a minimum - will list quite a few low value items and a few higher priced pieces.

Aim for £40 from MS - really will need to choose carefully - don't want to be spending 3 hours work for just a few pounds.

Aim for £50 earnings from carboot. Best get decluttering :A

Will update as i go along but this is a 3rd of the way there with ideas - really, really, really, really want to clear and close this card - feel it'll give me the ooomph i need to start pushing on with the next debt.

DedicatedDFW

Bleurgh! Cannot sleep due to an upset stomach - probably due to all the worrying over bills So decided best thing to do was check for any MS's - done and none available

Free Bingo - x1 done
Transferred £6.38 off target 1 - must update my totals on the challenge tomorrow :cool: Money was from an MS payment from last month :cool:
Decluttered 1 basket :A
Put some paperwork in order

So paid 6.38/1025.38 total = 1019:T:T:T

hypno06

I empathise with the lack of sleep - one of the problems with the clocks going forward is that my insomnia kicks in at 4am rather than the old 3am.....which is pants because by the time I fall back to sleep, it is time for my alarm to go off at 5.45 :mad:

Ah well, I hope that you are not too tired today as a result.

The plans for getting the money together look good - just like reading my diaries of old

Keep going, you are getting there!

DedicatedDFW

Hi All

Hypno - I never got the time to read all your old diaries but now feel reassured that if my plans sound anything like yours did i must be doing something right Thank you so much for the words of encouragement. I tend not to sleep very well but feel today will be hard going as it was after 3.30am before i finally nodded off for a bit :eek:

Just picked up a small MS but sadly won't see the money for this until next month

Just been in kitchen cupboards and lifted out 1 item for carboot and 1 item for e-bay - hoping this one will bring in a few pounds so fingers crossed - really want to list it now but will wait until an evening or weekend for a hopefully better finish time.

Oh! P/t work - had some hours cancelled again today - mind you i probably needed the rest but i have got some hours tomorrow and next week that i hadn't included in my calculations yesterday :T:T:T

Oops, that just leaves the surveys - off i go for a look in a mo.


From the MS money that came in and also from some e-bay funds i had transferred i have just made another payment to target 1 of £27: -

Day 1: paid 6.38/1025.38 total = 1019:T:T:T
Day 1: paid 27.00/1019 total = 992 :T:T:T interest still to be added though

jwil

Hey DDFW, hope you are feeling better this morning.

I've got a credit card of £150 and one of around £1,000, both it would be really great to clear next month. How about we have a mini challenge? I haven't got a clue how, but I'm willing to give it a go.

Mine will be mainly ebay and amazon, plus the usual payments. I think I'm close to payout on a couple of survey sites but will have to see. The £150 one will be cleared anyway, but to get the £1000 cleared as well will be amazing!

jwil

Have you ever used Turbolister DDFW? I use it all the time now, find it much quicker. You just list your item when you've got a spare few minutes, then upload it when you want to. It might be helpful for you especially as you are so time-short!

DedicatedDFW

Hi Everyone

Jwil - i have heard of turbo lister but have no idea how this works

A challenge for moneymaking sounds fun but hmm what :think: how about we both have a ponder and list our ideas and see what we come up with :j:j:j

So as you can see from earlier i am aiming to PAD daily to target 1 to try and get rid of this bill before the end of the April It will be tough but i think the feeling of getting rid of 1 bill will be immense and will be so worth it :T:T:T

So far: -

Lifted out some bits for e-bay and carboot,
Plodded through some surveys and got screened out of others
Pleased about the p/t work i have gained - hoping no more is cancelled
Checked for MS's and still none to be had :eek:

Still thinking of other ways to get the rest of the funds together :think:

Hmm - will try not to think too hard just now need a good nights sleep methinks after last night :rotfl::rotfl::rotfl:

jwil

Hope you managed to get a good night's sleep.

I've paid off my £150 credit card today, so pleased with that. I also redeemed £10 last night from a survey site, so am going to pay an extra £10 tomorrow to cover it (I redeem for amazon vouchers). I also sold £10.97 worth on ebay last night so will add that once everyone has paid.

I checked another survey site and will have £10 on there to redeem when a couple of surveys are authorised, and I'm hoping to get £55 from Topcashback this month, though that will depend if the retailer pays up. I'm also one survey away from a redeem at another survey site so hopefully will get that soon. Finally any amazon vouchers I get from BP I will pay the equivalent off the card.

Those will also be added to the balance, and I'm just going to see if I can cut back at all on my frittering (of which I still do far too much). I'll try and get some more books on amazon, and some more listed on ebay, but that's as much as it will come to I expect.

It will be very satisfying to see it gone, that's for sure!