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

DedicatedDFW

Spent most of the morning trying to sort out insurance - had got quotes the other day but then the amount of cashback offered was withdrawn so had to mess about again. Hopefully it'll track and £30 will wing its way towards me

Also had to drop a parcel off with member of family - took longer than expected.

Washing and drying done just waiting for me to move it all.

Just put lunch in oven - eating should definitely make me feel a bit better

Did 1 lot of free bingo - hope i get a win on this over the weekend

Today:
Study - aim to write a rough draft of 600 words
sort out 4 bags of things :cool:
Declutter desk - again - to make sure it has been done thoroughly This will mean that all my things upstairs have been ruthlessly gone through
Complete any surveys i can
2 x free bingo
Wash pots
Clean down sides in kitchen

That'll do for now - hope it is a good friday for all x

DedicatedDFW

Copy and paste from earlier:-

Today:
[STRIKE]Study - aim to write a rough draft of 600 words[/STRIKE] erm, nope but started putting plans into more detail
[STRIKE]sort out 4 bags of things [/STRIKE]:cool: 3 done so far and 1 to go
Declutter desk - again - to make sure it has been done thoroughly This will mean that all my things upstairs have been ruthlessly gone through 1 drawer done and 2 to go - though it might only be 1 as i'm sure 1 of the drawers isn't mine
Complete any surveys i can Done at least 5 surveys today :T and requested payout on 1 oooh! hope that comes through soon
[STRIKE]2 x free bingo[/STRIKE] Done! Really, really, really, hoping for a win tomorrow
[STRIKE]Wash pots[/STRIKE] Done! And i moved the last lot that i had done too
Clean down sides in kitchen still waiting to be done

In addition to the above I have:-

Had an improptu clean of the car - more to be done on this tomorrow :eek:
Moved 2 items which i bought in the sale months ago
Moved washing after drying it
Put rubbish out :A
Had a bit of a too long phone conversation

Okay, next job is coffee :coffee:
30 minutes Study
Declutter 2nd drawer and maybe peek into third drawer to see if any of my stuff is in there :cool:
Finish off bag 4 of 4 as above list - then see how many more bags there are to sort out *created a few bag fulls of stuff when i emptied the car *
Clear up crumbs off sides ready for cleaning
On-line banking - need to make a Pad today - i'm having withdrawal symptoms :rotfl::rotfl::rotfl: but as wage isn't right it'll be a small pad until i get this sorted out next week :cool:
Check for any more surveys and then back to the sudy folder :j:j:j

Clearly my life is 1 big party :rotfl::rotfl::rotfl:

DedicatedDFW

Hi All,

Study done, another rather long but good phone call but has slowed down other things and now im in the middle of trying to do a survey

I have completed all my jobs from earlier :T:T:T just got to clean down the sides in the kitchen :cool: Oops - have missed off the bags - lots of these so best get a wriggle on.

Excitingly updating my pad. Oh, just to note PAD for April (and yes the couple of days at the end of march too :rotfl::rotfl::rotfl:) is all to target 1 - all other bills are ticking along on minimum payments in the meantime

Day 1: paid 6.38/1025.38 total = 1019:T:T:T e-bay funds
Day 1: paid 27.00/1019 total = 992 :T:T:T interest still to be added though (money from e-bay)
Day 2: paid 20.00/992 = 972 :T:T:T p/t work
Day 2: paid 8.00/972 = 964 :T:T:T MS money
Day 3: paid £10/964 = 954 e-bay money
Day 3: paid 2.00/954 = 952 had change from cost of postage
Day 3: paid 7.00/952 = 945 kept shopping under budget :T:T:T
Day 3: paid 10.00/945 = 935 some funds i was owed but forgot about
Day 3: paid 10.00/935 = 925 variation in wages
Day 4: paid 10.00/925 = 915 would have been more but main salary has not been paid correctly either :mad:

DedicatedDFW

Hi All,

As usual lots to do today. Aim for today is:

Do pots - is an ongoing job
Operation clean car will continue
Eat some brekkie in a mo. before dragging myself out for a short run - much head clearing needed
[STRIKE] 2 free bingo [/STRIKE] Done!
Bag clearing to continue - aim for another 4 today :j
Study


Yesterday i planted a seed and will be keeping an eye on the little fella x

In good news today i did win on the free bingo as i was hoping to and have now requested £40 payout from this :j:j:j will go straight to target 1 once the funds arrive in my account :T:T:T

In other news picked up 3 MS's though i think they'll all pay out next month when i am hoping to be working towards target 2 so it all helps #

Managed to complete a few more surveys today too - checked the rewatds on a couple and as there's no cash payout on some these will be for amazon vouchers once i get enough together for payout :j:j:j am wanting 3 things off there - 1 for the house, satnav to help me when i want to go out and about - i get very, very nervous about driving to somewhere new when on my own so this should help give me a bit of confidence and encourage me to get out and about and would love a new camera so the last one is a bit of a treat unless something for the house is needed and purchasable from there by then

DedicatedDFW

Oops almost forgot - pesky interest added to target 1 so i made my pad to cover this amount

Day 1: paid 6.38/1025.38 total = 1019:T:T:T e-bay funds
Day 1: paid 27.00/1019 total = 992 :T:T:T interest still to be added though (money from e-bay)
Day 2: paid 20.00/992 = 972 :T:T:T p/t work
Day 2: paid 8.00/972 = 964 :T:T:T MS money
Day 3: paid £10/964 = 954 e-bay money
Day 3: paid 2.00/954 = 952 had change from cost of postage
Day 3: paid 7.00/952 = 945 kept shopping under budget :T:T:T
Day 3: paid 10.00/945 = 935 some funds i was owed but forgot about
Day 3: paid 10.00/935 = 925 variation in wages
Day 4: paid 10.00/925 = 915 would have been more but main salary has not been paid correctly either :mad:
Day 5: paid 16.72/915 = 915 interest was added today for this amount so total remains the same :cool:

DedicatedDFW

Update:

Do pots - is an ongoing job not done but mainly because i have had to move pots i did last night
[STRIKE]Operation clean car will continue [/STRIKE] Done what i can - think i'll need to pay for a proper valeting when i've got some pennies for this... will see about doing a bit on it each weekend in the meantime but thinking the seats want a really deep clean and for the time i'll spend i'll get them nowhere near as good as a proper valet will...
[STRIKE]Eat some brekkie in a mo. before dragging myself out for a short run - much head clearing needed [/STRIKE]:( Done :j:j:j was a short run and i was out of puff when i got home but do feel better for it
2 free bingo Done!
Bag clearing to continue - aim for another 4 today :j 1 down 3 to go!
Study 30mins done and more to come

First off coffee :coffee: whilst i check out a potential free bingo and then another bag clearing to be done then a hot shower - needed after run and car cleaning - yuck! and then back to the books :cool:

Not had any more surveys and no MS's to pick up

DedicatedDFW

Well that didn't go to plan I have at least washed pots and showered I am struggling to get the details for the MS tomorrow :eek: Spent ages faffing around with it and still not got anywhere :o:o At this rate i'll be cancelling it as the time i've spent already has taken up any funds that would have made it worth while :mad: we'll see...

1 more bag has been sorted out - will do the next one now and then put some make-up on - we are venturing out later - would rather not actually it's been arranged for ages though. Only don't want to go because of all thats going on at the moment

Will have to look at starting tea too... i am going to try a new recipe so hopefully it'll be nice for me to make it x

DedicatedDFW

Hi All

Was a very late start to the day for me today - nearly the afternoon :eek::eek::eek: - wasn't even a late night out and i didn't spend anything. I must've needed the rest though as could have stayed in bed to be honest.


Right onto more cheery things Work bag sorted out for tomorrow and knitting has been packed into it Paid a bit more off target 1 - pushed it so it was under £900 mark now :T:T:T money i have used this last few days has simply been from wages which should be for other DD's but should have some p/t monies coming in to cover these anyways. Did the recipe yesterday but they had missed something off the ingredients list and i only found when it said add such and such :eek: still it was nice and i'll take leftovers tomorrow for lunch.

Done a bit of meal planning for next week too

Day 1: paid 6.38/1025.38 total = 1019:T:T:T e-bay funds
Day 1: paid 27.00/1019 total = 992 :T:T:T interest still to be added though (money from e-bay)
Day 2: paid 20.00/992 = 972 :T:T:T p/t work
Day 2: paid 8.00/972 = 964 :T:T:T MS money
Day 3: paid £10/964 = 954 e-bay money
Day 3: paid 2.00/954 = 952 had change from cost of postage
Day 3: paid 7.00/952 = 945 kept shopping under budget :T:T:T
Day 3: paid 10.00/945 = 935 some funds i was owed but forgot about
Day 3: paid 10.00/935 = 925 variation in wages
Day 4: paid 10.00/925 = 915 would have been more but main salary has not been paid correctly either :mad:
Day 5: paid 16.72/915 = 915 interest was added today for this amount so total remains the same :cool:
Day 6: paid 20.00/915 = 895 overpayment just from money in bank - need to get p/t wages in to cover DD's though

jwil

Sorry to hear that OH still hasn't got the message. Stick with it, he'll soon realise that you can't do it!

Grr to wrong wages too!

You are doing brilliantly with the overpayments, well done! I'm hoping to make some more payments to mine soon, but just waiting for money to transfer.

Take care xxx

DedicatedDFW

Hi All

Jwil - thank you soo much for your support.

Well, MS i picked up for yesterday didn't get done as i couldn't access the info. :eek: after i'd wasted time printing off 1/2 the details which i could get. Oh well. Then had a different MS for today - but work changed my lunch hour so missed this too - will send a message to see if i can get it re-set

Have picked up another MS though - quite a straightforward one

Plan now for raising funds are: Train fare today paid for by OH £5, Bingo winnings from the other day £40, Survey cash £40, Other survey cash £10, £12.50 p/t work, £15 p/t work, £40 - hope to shave off shopping budget for the month, £120 - moneys owed for work done and getting paid this month :T ( this i am hoping is a conservative estimate as can never work out what tax an NI will be deducted - so fingers crossed it'll be more), Still hoping for £100 from e-bay - will have to list the costlier items this week, £50 -hoped for amount from carboot - still hoping this will be more too, £40 for MS if possible, £100 p/t wages (approx).

The above is all just hopeful plans and hoping i can think of some more ways of raising money as really, really, really want to pay off target 1 this month.

Day 1: paid 6.38/1025.38 total = 1019:T:T:T e-bay funds
Day 1: paid 27.00/1019 total = 992 :T:T:T interest still to be added though (money from e-bay)
Day 2: paid 20.00/992 = 972 :T:T:T p/t work
Day 2: paid 8.00/972 = 964 :T:T:T MS money
Day 3: paid £10/964 = 954 e-bay money
Day 3: paid 2.00/954 = 952 had change from cost of postage
Day 3: paid 7.00/952 = 945 kept shopping under budget :T:T:T
Day 3: paid 10.00/945 = 935 some funds i was owed but forgot about
Day 3: paid 10.00/935 = 925 variation in wages
Day 4: paid 10.00/925 = 915 would have been more but main salary has not been paid correctly either :mad:
Day 5: paid 16.72/915 = 915 interest was added today for this amount so total remains the same :cool:
Day 6: paid 20.00/915 = 895 overpayment just from money in bank - need to get p/t wages in to cover DD's though
Day 7: paid 5.00/895 = 890 OH paid my travel costs to work