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

DedicatedDFW

Yikes - i lost track of my june challenge somewhat but am all set with my july challenge and as i've got my trusty notebook i can keep track of everything better

The Great July Plan :j

1, P/T work
2, P/T work
3, P/T work
4, P/T work
5, salary o/t
6, salary o/t
7, salary o/t
8, salary o/t
9, E-bay sales
10, E-bay sales
11, Reduce food budget by £10week
12, Cashback - its been waiting for over 2 month!
13, Surveys
14, M/S
15, M/S
16, M/S
17, M/S
18, Usual payment - forgot about that one
19, Usual payment
20,

DedicatedDFW

Just having a cuppa :coffee: and very naughtily enjoying a milkybar - i've not had one in years! and its delicious - won't do the weight loss too much harm i don't think and you do have to indulge a bit sometimes

Anyways decluttering been done a little more - threw away an old bra TMI? :rotfl::rotfl::rotfl: and also sorted out 2 scarves for carboot

An NSD today which is good

Annoying thing is just filled a bag up of food which has gone off :mad: this is a real money drain and has to stop! Don't know what to do though :wall: OH complains when there isn't lots of fresh, easy to have, not to mention expensive food in He does pay half to the food so i do feel i should obviously get in alot of things he likes but i just find it so upsetting when its wasted like this. Will need to think of a way of preventing this happening :think:

Relisted a few things on e-bay - including a more pricey item that i'd sold but the buyer didn't pay :mad: Couldn't list a new (used by me but not listed before) item on e-bay as my camera isn't transferring the pictures over - it is several years old and has been playing up anyway but so wanted to start getting new stuff listed :cool:

jwil

DDFW you don't have car boot in The Great July Plan - could that be no 20?

DedicatedDFW

Aw, thanks jwil i'd love to do another carboot but just getting stuff together at the mo. - as you probably know already putting several items in a bag marked carboot seems alot until you look at everything together and there just isn't that much there - not to make it worth while anyways For now i'll just keep on gathering the bits together

On that note i have put 1 game to the carboot :T

Sadly not an nsd today Was feeling exhausted completely and utterly exhausted and went past a village bakery and popped in for a pie to perk me up £2.55 (little pastie &pie) and so tired i couldn't even eat it Will try and learn from this

DedicatedDFW

4 little items from the kitchen put into carboot bag. Currently just gathering a few other bits together but they do seem to be things that i'll need to check with OH about first.

Oh, a packet of seed and 2 cookery items that can definitely go so thats 7 things so far today :T

I ordered a pair of new boots yesterday - with amazon vouchers so technically didn't spend anything

jwil

Yay to new boots, especially freebie ones! :T

DedicatedDFW

Thanks jwil - will see if they are as lovely when they arrive just read your post on the challenge thread and i am going to join in :j:j:j Do you remember a few months ago i did this and it worked really well for me :T:T:T So will be doing the same as i need to get target 1 paid off and pay off at least half of target 2 this month to break the back of it - is say this month i mean july obviously :rotfl::rotfl::rotfl: will be doing this in conjunction with the great july challenge

14, yep 14 more items destined to leave the house :j 8 free packets of seeds - i knew i'd get some free didn't know what they'd be for and have conceded i have no room in my garden for these - these will go to either my mum or sister and 6 more little dishes from the kitchen destined for the carboot :T

DedicatedDFW

Think i have to accept the kitchen is as decluttered as can be - only thing we seem to have alot of is tupperware but as i use these for freezing meals when batch cooking then its not so many really.

Ok, going to have a shower in the next few minutes and then get my SOA together - won't necessarily post it up on here but will do 'overall' figures such as:~ payment to debts, payments to savings, set household outgoings (mortgage, council tax, water, tv, internet - things that are set / as low as possible) struggling to quantify the quarterly bills - i never budget for these... so with these posted up and compared to my income i'll have a better idea where things stand. Savings are long term and pointless cancelling - i'd lose too much.

Struggling still to find something e-bayable - tried to re-list an item and got message saying i've listed the maximum in this category and need to wait a month! Yikes! Have only listed 3 items :eek:

DedicatedDFW

SOA (Kinda)

Income - this is from f/t work and p/t work so can vary month to month :£1137.50

Mortgage, tv, internet, council tax, water: £522.40

Insurance (2 different lots): £34

Miscellaneous: Mobile £15, Groceries £60, Petrol £60, Train £60 (cheapest it can be),Course £84, Bank fee £10: £289

Items not budgeted for and i just scrape the money together when the bills arrive: car insurance, mot, tax, electric, gas.

Debts: CC1 £50, CC2 £50, CC3 £90, OD2 £40: £230

Debts not currently being re-paid: OD1, OD3, OH & MA.

Savings: Long-term £120, Medium Term £25, Short Term £60, Pension £51.28: £256.28

So Total Income is: £1137.50
Less Total Outgoings of: £1331.68
Equals minus £ 194.18

DedicatedDFW

Well there you go, a little shocking but also I can see that although i do have a shortfall if I wasn't paying into savings there wouldn't be a negative figure. The other thing to think about is although my p/t hours have dropped alot recently I have still paid over £3000 off my debts so far this year through generating extra income from things like e-bay, carboots, using cashback sites, surveys so for a while at least these things will still be being done by me :cool:

Also i must confess to applying for a new 0% card to try and transfer target 2 and 3 onto - thing is i put down my wrong income - i put lower than i earn (didn't include p/t income and only put f/t income at net rate) - drat! So won't be too disheartened if i'm not accepeted but won't apply for another for 6months - though in 6months with some luck this'll all be gone