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

jwil

Hope you have a good weekend DDFW and enjoy your meal with OH.

DedicatedDFW

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
Day 8: paid 14.00/890 = 876 p/t work + e-bay sale
Day 9: paid 40.00/876 = 836 bingo winnings :T:T:T
Day 9: paid 5.00/836 = 831 received extra money towards shopping :T:T:T
Day 10: paid 15.00/831 = 816 p/t work - wages will be in at end of month but as i've worked the shift will shuffle the money over now
Day 11: paid 15.00/816 = 801 p/t work
Day 11: paid 10.00/801 = 791 survey funds came through :T:T:T
Day 12: paid 5.00/791 = 786 just wanted to meet a payment today so tightening of my belt on this one
Day 13: paid 75.00/786 = 711 carboot profit :T:T:T
Day 14: paid 15.00/711 = 696 returned my top successfully and if i'd kept it the money would still have been out of my account
Day 14: paid 10.00/696 = 686 got a place with my horse in national :j:j:j
Day 15: paid 21.00/686 = 665 realised i had a bit of money in an old account so went to the bank and withdrew it and paid off card
Day 16: paid 5.00/665 = 660 OH paid my travel costs
Day 17: paid 10.00/660 = 650 OH treated me to a meal out - usually i'd have to put at least £10 to cost and if I had paid this i'd still have to make budgets work
Day 18: paid 50.00/650 = 600 Cashback money received :T:T:T
Day 18: paid 10.00/600 = 590 OH paid for drinks for me - I'd usually have to take at least £10 with me and get a couple of drinks and again would have just had to make budgets work

DedicatedDFW

Thanks Jwil - meal was delicious thanks

Today I need to list a couple of things on e-bay Plant out potatoes and maybe Mr Basil too

Sort out all papers from MS's - will feel when its done though

May be going out again with OH today - will see, have said if he goes out with friends i'll stay home as lots to do but if not i will go and keep him company - am not used to all this socialising but it has been lovely.

Right off for a perusal around the boards and then will start my late brekkie :T

jwil

Wow, DDFW, you are flying through getting rid of that card. I've been shamefully lacking.

Hope you had a good weekend though!

DedicatedDFW

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
Day 8: paid 14.00/890 = 876 p/t work + e-bay sale
Day 9: paid 40.00/876 = 836 bingo winnings :T:T:T
Day 9: paid 5.00/836 = 831 received extra money towards shopping :T:T:T
Day 10: paid 15.00/831 = 816 p/t work - wages will be in at end of month but as i've worked the shift will shuffle the money over now
Day 11: paid 15.00/816 = 801 p/t work
Day 11: paid 10.00/801 = 791 survey funds came through :T:T:T
Day 12: paid 5.00/791 = 786 just wanted to meet a payment today so tightening of my belt on this one
Day 13: paid 75.00/786 = 711 carboot profit :T:T:T
Day 14: paid 15.00/711 = 696 returned my top successfully and if i'd kept it the money would still have been out of my account
Day 14: paid 10.00/696 = 686 got a place with my horse in national :j:j:j
Day 15: paid 21.00/686 = 665 realised i had a bit of money in an old account so went to the bank and withdrew it and paid off card
Day 16: paid 5.00/665 = 660 OH paid my travel costs
Day 17: paid 10.00/660 = 650 OH treated me to a meal out - usually i'd have to put at least £10 to cost and if I had paid this i'd still have to make budgets work
Day 18: paid 50.00/650 = 600 Cashback money received :T:T:T
Day 18: paid 10.00/600 = 590 OH paid for drinks for me - I'd usually have to take at least £10 with me and get a couple of drinks and again would have just had to make budgets work
Day 19: paid 20.00/590 = 570 the carboot i did last week was with a friend and they miscalculated (due to the amount of change we both took) :j:j:j
Day 20: paid 5.00/570 = 565 OH is going to be paying my train fare today

DedicatedDFW

Hi Jwil

The credit card actually isn't going down as fast as i'd hoped - there is approximately 1/3rd of the month left i think and i still have over half the balance to clear :think:

Didn't help that I didn't list anything on e-bay last night - first job when i get in tonight.

Still no news on my survey payment

And today won't be an NSD as I have run out of foundation :eek::eek::eek:

Have to dash for work now but will be back later and see what kind of plan i can cobble together

Am also a bit that everyone i know is enjoying a nice short week this week and i have to work as usual - oh well - nothing will change that so i'll pop a on my face or even a and get on with it

DedicatedDFW

Hiya all

Back in for an update and to try and get my money thoughts together - after all thats what I should be focusing on here isn't it? :rotfl::rotfl::rotfl:

So it wasn't a massively spendy day - I did a bit of reduced price grocery shopping and got my new foundation too I did pick up a blusher - i have been wanting to try a different shade for a while now for a new look and i also picked up a meal for £1.50 (reduced price) but after walking about a bit with these extra things i returned them and managed to pick up this evening meal for 11p!!! The blusher will have to wait until another time when i have the money and the one i currently use will just have to do


So, I took out £20 for Sunday drinks - it was a lovely day and OH was going out on his own but in the end his friend turned up after all - i spent £4 (rounded up and change put in my purse :cool:) so once again i think i should pay the £16 off target 1 - if i had spent this much - and there are many times in the past when i would have, then i would have to make my money work. Hopefully things like this are a sign i'm making progress

OH paid my travel costs today :T £5 to pay off target 1 :T Then I got to work and had to pay £5 for a collection :mad:

I didn't get my e-bay items listed so that'll be added onto tomorrows list

Have been doing usual free bingo - ooh! yeah! not sure if i mentioned i won another £10 :j:j:j

Still no word on my survey money - have been checking for it everyday £40 will make a massive difference for me but am getting the feeling that the longer this goes on the less likely i am to get my money

Have done all the surveys i can but the ones i've managed will only pay out in vouchers which is still fab but won't reduce my bills

Roll on the weekend

DedicatedDFW

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
Day 8: paid 14.00/890 = 876 p/t work + e-bay sale
Day 9: paid 40.00/876 = 836 bingo winnings :T:T:T
Day 9: paid 5.00/836 = 831 received extra money towards shopping :T:T:T
Day 10: paid 15.00/831 = 816 p/t work - wages will be in at end of month but as i've worked the shift will shuffle the money over now
Day 11: paid 15.00/816 = 801 p/t work
Day 11: paid 10.00/801 = 791 survey funds came through :T:T:T
Day 12: paid 5.00/791 = 786 just wanted to meet a payment today so tightening of my belt on this one
Day 13: paid 75.00/786 = 711 carboot profit :T:T:T
Day 14: paid 15.00/711 = 696 returned my top successfully and if i'd kept it the money would still have been out of my account
Day 14: paid 10.00/696 = 686 got a place with my horse in national :j:j:j
Day 15: paid 21.00/686 = 665 realised i had a bit of money in an old account so went to the bank and withdrew it and paid off card
Day 16: paid 5.00/665 = 660 OH paid my travel costs
Day 17: paid 10.00/660 = 650 OH treated me to a meal out - usually i'd have to put at least £10 to cost and if I had paid this i'd still have to make budgets work
Day 18: paid 50.00/650 = 600 Cashback money received :T:T:T
Day 18: paid 10.00/600 = 590 OH paid for drinks for me - I'd usually have to take at least £10 with me and get a couple of drinks and again would have just had to make budgets work
Day 19: paid 20.00/590 = 570 the carboot i did last week was with a friend and they miscalculated (due to the amount of change we both took) :j:j:j
Day 20: paid 5.00/570 = 565 OH is going to be paying my train fare today
Day 20: paid 16.00/565 = 549 Amount not spent on drinks in the sunshine

DedicatedDFW

So down to almost half of the target i wanted to clear this month and with 11 days left to go - e-bay has not been too good for me this month and i have lost quite a lot of my p/t hours for this month too. MS's also haven't been going too great - either there are none in my area or someone else has already snaffled them.

So:~
1, list on e-bay for 7days
2, wages due in that i am owed - may not get it all this month but what i do get will be towards this target
3, a bit of p/t work but only a very little bit due in
4, have 2wks of grocery shopping to do - freezer is packed but need some tinned stuff and fresh things so may not be as cheap a shop as i'd hoped
5, definitely the overdue survey money will really help


And am open to any more suggestions

DedicatedDFW

Hey Everyone,

Gosh - i really shouldn't be so cheery when everyone else is working a nice short week and i have to work my usual shift - probably won't be in this happy mood come Thursday evening i can tell you :rotfl::rotfl::rotfl:

I think what i'll need to do is book myself that little catch up day i was talking about

So today has been a lazy start to the day for me. I am at the docs for 2 appointments tomorrow :eek: not looking forward to it and have been putting it off for ages but i will drag myself in there - appointments are 1hr apart and no point coming home inbetween times so i'll just have to remember to pack my knitting - or maybe a book - it isn't the freshest of smelling places to sit and wait :eek: i could knit in the car but i'll miss my appointment if i get called in early hmm... Or i could use that time to cobble a bit more of 'The Plan of May and Target 2' together

I did not sleep well last night and have been lucky, in a way, that there was no p/t work today but i am going to have to start learning to switch off more. Sometimes i'm awake worrying and other times i'll be thinking, ' so if that money from cashback comes through that'll be £x and what with surveys there'll be another £x and so on'

Ok thats decided it then, on the train to work today i'll focus on 'The Plan of May and Target 2' at least once i've got my thoughts out of my head and onto paper they'll hopefully quieten down a bit and leave room for some fresh ideas

At lunch i have to go to the bank and the shop (checking for bargains) and i also want to work on a job application - hope they are faster than the 40minutes queuing time they took last time i was there :mad: - i'll start work on the application once i arrive at work as i am usually in a bit earlier. Tomorrow i can finish and submit the application - everyone positive vibes and fingers crossed for me please My money will be the same - may even be a bit less but i will feel million times better in myself and that is the main thing

Have done a couple of surveys this morning and chased again for the £40 - again positive thoughts my way please

1 free bingo done - will have to do the other one later.

Hope its a good Tuesday for everyone :D:D