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, £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, £9.11
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, £3
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, £80 - refund from utilities - got £150 but only counting £80 as i need the rest for my DD's

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
Day 15 £38 to target 1 - MS money

DedicatedDFW

I am seriously considering going back to bed Partly the fact that i am very tired, working all day tomorrow and am up early sunday all of which mean i have no lie-in lined up until next saturday :eek: - no wonder i can't get up and get things done as early as i want to on mondays

Well some things to note:

1, i have to get up early as part of my time management i need to get my banking and free bingo done first thing - my free bingo has been a bit hit and miss of late but i rely on this for my amazon vouchers and there are several things i need / want which i can hopefully get from here. A huge help when i don't have the cash for them - vacuum cleaner, satnav, ipad, ladders - *ahem* very easy to see whats on the need list and whats on the want list isn't it :rotfl::rotfl::rotfl:

2, 3 MS's to do today but will reschedule 2 of them as they take me right into the sales shops as i am feeling in need of a pick-me-up so am likely to spend money i don't have

3, the house has devolved into a state :mad: so will spend 15 minutes blitzing my stuff and then see how it all looks. i think this will help me in terms of getting up early for the rest of the week too as i think its just easier to get up to a clean and tidy home

4, Good news is i have been paid some cashback so should see this in my account monday - bad news is i've not been able to pick up any new MS's for over a week :eek:

DedicatedDFW

Whoops - the timer went off after 15mins and everything looked worse :eek::eek::eek: then i heard OH getting up so i did a very fast scurry around putting everything away and OH nabbed the comp. So some pots washed, still some to do and sides cleaned down in kitchen.

I ahve another cuppa :coffee: next move is shower then force myself to go and do this MS - must keep telling myself needs must and all that...

I was absent from posting the last few days due to tiredness and a whole rack of MS reports to write up.

Just checked out selling my old mobi and its only worth £1 - doesn't seem worth getting rid of it for that amount but then again i already have a very cheap back up one - worth the same if i sold it - maybe just one to go on the e-bay pile then? :cool:

Managed to get screened out of several surveys but did get to complete 1 so that'll start building the fund up there

Right - i've finished my drink so shower then MS awaits...

Oh i also meant to say - remember that 0% card i got accepted for? Well its coming but i can't do any BT's to it so i think what i'll do is put normal purchases on the card eg £40 petrol and pay the £40 straight off the card thats incurring interest - so usual spends would be shopping, petrol, travel expenses - i'll just have to be strict with myself and make sure these transfers are done straight away!

DedicatedDFW

Grr! i wonder just how much time i actually waste trying to get the hot water to work?! :mad: currently sat here giving the boiler a bit of time to think about what its done wrong then i'll try it again :rotfl::rotfl::rotfl: this does annoy me though and then OH says 'but we want a new bathroom' yes i agree it'd look lovely and have another shower in that doesn't have hot water - not to mention the fact that he won't be the one to keep it nice and clean either :mad: Oh dear - this is partly brought on by the fact that he came home yesterday and just started to go on about how nothing was happening with the jobs that need doing - err yes, that'd be because nothing ever happens with any jobs that need doing until i sort them out and when i'm tired he says 'but your doing too much' and may as well add on ' so stop doing things that keep you financially afloat and carry on doing all the housework, dealing with any letters, making all the phone calls, doing all the shopping and the vast majority of the cooking because thats your job!" !!!!!!!

Phew! Did i get out of the bed on the wrong side this morning?

jwil

Oh I get annoyed with DH when he says things like that too. I'm sure they think there's a little fairy that does all of these things!

Hope you manage to get the water sorted out.

Shame you can't BT to the new CC, but if you can use it for your spending and pay that money to the other CCs then it will all work out the same won't it.

With the phone, why not try popping it with your car boot stuff if it's not worth putting on ebay. You should easily get more than £1 for it there!

I have a newish vax vacuum cleaner to get rid of, I don't know whether you are anywhere near me or not (SW), you could have had it. I've only used it a couple of times as it was with a carpet cleaner I wanted. It works fine, I just prefer my dyson.

DedicatedDFW

Hi all

jwil - you are so kind thank-you so much for your lovely offer though i'd feel cheeky to just accept it Currently just borrowing a vacuum when i can - making it a bit tricky keeping on top of all the cleaning

i guess i ranted a bit earlier - oops! though it is true that i work 2 jobs and do all the housework etc. here. Admittedly i would have just cracked on with the jobs that need doing but jobs = spending money - and there's the reason i've done nothing. OH is prepared to pay for some jobs but there are things that would need to be done at the same time - new radiator, new windows, that aren't cheap and he won't pay for these meaning to make sure the jobs done properly the first time i'll have to get the money together for these :eek::eek::eek:

Thankfully after nearly 2 hours i got the shower to work - and then got my rear into gear and did my MS - got to write it up yet :cool:

Just checking to see if I can pick up any MS's and then bed - MUST MUST MUST get to work on time tomorrow - trying to remember to wake up in the morning and not just turn my alarm off

Have a very busy week next week, making this Sunday a day of prepping to make the week run as smoothly as possible

Have been keeping up with my spending diary which has been working well for me :T

jwil

Well done on keeping up the spending diary. Glad you managed to get the shower to work. That would be so annoying.

DedicatedDFW

Thanks jwil

Did get to work on time phew! But was very tired when i got home - checked for MS's but none around

Have 1 report to write up later :cool: but now i'm off for a swim

I'll be back later people

DedicatedDFW

Hi all

Am back as promised but *yawn* am incredibly tired. Had planned an early night but have a glass of wine & free bingo on so it might get to being a little later than i had intended

Just having a little scout around for any MS's too

Must update spending diary:

£1.57 shop - brekkie & soap
£3.60 train
Shop
£0.40 - my contribution to meal out
swimming
Shop
supermarket 1
supermarket 2
hair stuff

Oof there's a fair bit on there isn't there :eek: :rotfl:

Managed to pick up a few MS's but re-imbursement only - no fee :undecided

So, back to why i'm so tired - got up early again today to go swimming :T all good there then showered and home. Only to discover OH raring to go on some work that needs doing here. I got my brekkie and OH made a start and it became quickly obvious that it was a 1 person job so i took myself off to get us some tea *note to self - lack of organisation causing unnecessary spends*

Braved the shops and the rain and brought my soggy self home. There was alot! of clearimg up to do. So i popped the washing on - all done, dried and moved then set to clearing up the mess from the job - this took us both quite a long time and quite a bit of effort. by which time i decided i'd better have me another shower :cool: MS report finally written up , tea made, pots washed though there's still some to go :cool: and yawn - its work again tomorrow :eek: