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

DedicatedDFW

The Great July Plan :j

1, P/T work £15, £12.50, £22.50
2, P/T work £15,
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 (after fees) £5.89, £14.19, £2
10, E-bay sales
11, Reduce food budget by £10week
12, Cashback - its been waiting for over 2 month! should be here in 2wks :T
13, Surveys £3 requested
14, M/S £50 from one company
15, M/S £23 from same, £20 ReCeived from another company, £7 another
16, M/S £31 same company, + £14.50,
17, M/S
18, Usual payment - forgot about that one
19, Usual payment
20,

DedicatedDFW

Hi All,

Must admit to having a sneaky peek at posts earlier :whistle: Well have been for a walk and very nice it was too have also continued with the move 2 things which is starting to show some results albeit slowly :rotfl::rotfl::rotfl:

Moved all my MS's to tomorrow - will be better for me to get up early, do 2 hours of study and then go out and get them done. Turns out the jobs i agreed to the other day are not £50 fees but this is a combination of fees and expenses - just got the details through.

I have also done some of my free bingo - have neglected this a bit this week due to a lack of time am trying to work out a bit of time management for the week - unfortunately it involves getting up early to get things done and this is not one of my strong points

And as promised i am pleased to report i have written at least 250 words - they may not all be the right words and may not be perfect but they are a good enough draft and i have also put ideas down for part 2 Ooh i needs me a list

part 1 250 words drafted
part 2 250 words drafted
part 3 250 words
part 4 250 words
part 5 250 words
part 6 250 words
part 7 250 words
part 8 250 words
part 9 250 words
part 10 250 words - final part :j

DedicatedDFW

So i've edited my last post to show 2nd lot of 250 word draft done - had a small break of moving a couple of things and finishing free bingo for today Now on with part 3 after which i'll wash pots - i need 1 of the things for preparing my tea move a couple more bits, quick break on here and to update what i've done and then onto the next bit. Come looking for me if i don't update on part 3 :rotfl::rotfl::rotfl:

After part 4 will jot down notes for MS's and put these in my bag :cool: list 1 item on e-bay and then we'll see where we're up to as i am a little peckish already so all these plans may have to change :rotfl::rotfl::rotfl:

DedicatedDFW

Oh Dear! That didn't go at all to plan :eek: Settled down to crack on with part 3 - which became rather difficult considering OH was watching tv and was using the comp and i needed to watch something - video - for this bit. So decided to move a couple of bits. Have been feeling a bit iffy all week and was just quite ill _pale_ so now the plan is to await OH going out and draft part 3 and part 4 and then list something on e-bay - its the little breaks that help and keep me refreshed but may need to also run off to the bathroom a few times too

I meant to say and will put it down now so the thought isn't still running around in my head :rotfl::rotfl::rotfl: I had decided to stop with some survey sites - just seemed to take forever to get to payout but then i had a bit of an LBM about this. It might take a while to get to payout but it is a payout and that goes to the debt and whilst i owe what i do this will continue to be re-assessed once I am debt free

DedicatedDFW

I'm now wondering if its some sort of bug i've got _pale_ absolutely not needed and i've no time for it either. Part 3 has been cobbled together and now to look at part 4 and then i'll pop an item onto e-bay. I moved more than 2 things after part 3 draft - but that was mostly because this place looks awful and i made it look worse when i emptied lots of things trying to find the video i need

Am also decluttering e-mails in breaks as i'm looking for things and there are just far too many items there - gosh everything really is untidy isn't it :rotfl::rotfl::rotfl:

I am also thinking about the MS's tomorrow - i am going to give myself a maximum of 2 hours for the 4 shops and if they aren't all done i'll just need to cancel one - or hopefully re-arrange it I am obviously doing them to make money and they will be fine jobs to do but feeling under weather with the added pressure of an overdue assignment i'm like :eek:

So there'll be no little celebratory glass of wine if i get to the end of today feeling like i've achieved something :rotfl::rotfl::rotfl:

DedicatedDFW

I'm just having a cuppa having just had 3 delicious crumpets for breakfast - not that i've only just got up mind - no i was up a few hours ago but clearly was not up early enough to breakfast or progress with any of my assignment - actually i'm not going to worry about what i can't change.

I fell behind on this for a couple of reasons - partly this is not a subject i want to study - was just the class that was available at the time and when i went through the difficult time with OH (still ongoing but i am handling my emotions better) i could not focus on learning new information and producing work of any standard and then with my illness doing anything other than work has been incredibly hard. I have signed up to a class i want to do for next year so am happy about that. I had wanted to submit this assignment today but accept the timeframe i set myself was unrealistic - wanting to catch up and learn a whole raft of information which should be spread over 6weeks and do an assignment which normally takes 2 weeks would be hard for anyone to do in a week i feel - i was just very eager to catch up . Instead i'm going to work hard on it and submit it this week - if they don't agree to mark it fair enough. Illness this weekend certainly hasn't helped either.

Ok, back to why i've only just had brekkie. i was waiting for OH to come home last night - just in a its the weekend and it'd be nice to have a little chat and drink together - i knew he'd be late but this meant going to bed at about 2am :eek: Gosh its hard to try and balance everything isn't it?

So i was up fairly early as i decided i'd better get myself up and do my MS's - took longer than expected due to huge diversions because of road works so i missed 1 which i'll have to see if i can re-arrange. it was also pouring down and as i hadn't taken my brolly as it was sunny when i went out i was pretty drenched.

Will write up 1 MS so i don't have them all looming over me and then maybe another cuppa / shower, start assignment

DedicatedDFW

PAD

Day 1 £5.42 paid across from current account - just so i've made a payment
Day 2 £5 off target 1 - again just from the very little funds i have in my current account
Day 3 £5 off target 1 - again just from the very little funds i have in my current account
Day 4 £9.59 off target 1 as interest has been added so wanted to cover this and reduce the amount owed
Day 5 £5 off target 1 - from p/t work
Day 5 £5 off target 3 - towards usual payment
Day 6 £5 off target 1 - from p/t work
Day 7 £5 off target 1 - MS money arrived
Day 7 £10 off target 3 towards usual payment
Day 8 £5 off target 1 - MS money
Day 9 £5 off target 1 - MS money
Day 10 £4 off target 1 -MS money

Well that £4 was all i had left on the overdraft to PAD over to target 1 :eek: i even had to pay 12p on my debit card today too :eek: - maybe i shouldn't have been so zealous of emptying my change into the boiler fund :rotfl::rotfl::rotfl: I also have another MS to do today which involves spending money - may have to re-schedule that one. Have been hit by exhaustion and am slowly recognising a pattern - its not just the late night and the early start as i should feel more awake than this by now. Its that i seem to have lots of energy and then i have none at all - glad i harnessed it yesterday and got lots done

Right, first things first is i am going to have me a little rest, ponder how to pay off target 1 before wages arrive then there'll be more to pay off target 2 and the oh-so-annoying interest - i think that balance is reducing by about £2 a month

Hmm i should be happier about paying off 1 target in full - maybe i will be when it happens?

After my rest decide what to do about MS, list a few things on e-bay so they can be added as part of the great declutter :T and get some more of my assignment done :cool:

jwil

Hey DDFW, hope you are feeling better now.

Sounds like you had a hectic weekend, and you are very close to paying off target 1 now, well done! It's always a struggle until you actually see that zero balance isn't it. I'm sure you'll be pleased then!

DedicatedDFW

Hiya everyone

Well another week is upon us and it is going to be a looong one for me - agreed to cover a day at work for a colleague this weekend - crikey knows why! :eek: And the great plan of starting my working days early and working very hard through it didn't quite materialise this morning yawn! But tomorrow is the start of another day when i can try again

So a mixed bag of things to report today :cool:

Remember how i said i'd really like to pay target 1 off and then i can really focus on target 2 - interest on that card is over 30% :eek::eek::eek: one of those where it wasn't that high but periodically it increased and i am reducing the balance by about £2 if i just pay the minimum Well i got my little pad & pen and set work on how to clear target 1 in 1week i worked out that i have some MS money due and some cashback which left me with over £150 left to find :think: I then rang my utility provider (the one i pay by DD) and am hugely in credit and ... :j:j:j ... it is just over £150 worth :T:T:T so I have requested all of this back :T:T:T though the man on the phone did not sound very sure so i am left wondering if i will get my money back next week as promised :doh:he said it was there and that i could have it but just didn't sound very sure...

Which means i can pay off target 1 and hopefully a chunk off target 2 before the end of the month and then spend August trying to clear target 2! Although am short on ideas for raising this cash so any ideas most welcome - i am about 7 ideas on £50 short so £350...

I have several MS's lined up for this week = about £40 in fees

And now its bedtime - p/t work x 2, f/t work, 1 x MS & usual banking, free bingo & surveys await - it is all fun here :rotfl::rotfl::rotfl:

DedicatedDFW

PAD

Day 1 £5.42 paid across from current account - just so i've made a payment
Day 2 £5 off target 1 - again just from the very little funds i have in my current account
Day 3 £5 off target 1 - again just from the very little funds i have in my current account
Day 4 £9.59 off target 1 as interest has been added so wanted to cover this and reduce the amount owed
Day 5 £5 off target 1 - from p/t work
Day 5 £5 off target 3 - towards usual payment
Day 6 £5 off target 1 - from p/t work
Day 7 £5 off target 1 - MS money arrived
Day 7 £10 off target 3 towards usual payment
Day 8 £5 off target 1 - MS money
Day 9 £5 off target 1 - MS money
Day 10 £4 off target 1 -MS money
Day 11 £1 off target 1 -e-bay money
Day 12 £1 off target 1 - ebay money
Day 13 £1 off target 1 -e-bay money
Day 14 £81 off target 1 - energy refund *sob* it couldn't be more as i need to leave funds in the bank to cover DD's