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

DedicatedDFW

Having a quick cuppa and debating which train to catch :cool: The reason i was so soggy when i got home yesterday is that my work shoes which i suspected had a hole in them - definitely did - on each shoe and 2 holes on 1 shoe :eek::eek: irreparable *sob* - flat shoes with holes in the actual shoe part as well as the sole. so into the bin they went. Which means i need some work shoes - i have - going out shoes , summer shoes - read cotton material , high heeled boots (prefer flats for work - especially when i have to scurry for the train ) but no other work shoes. If i go into work early i can mooch over to the sales to try and find something suitable - i did find a replacement when out yesterday but they were £35 and i'm hoping to spend less than this

Well that makes my mind up best get a wriggle on otherwise i may be strutting round work in a fab pair of very high heeled gold glitter shoes :rotfl::rotfl::rotfl:

DedicatedDFW

The Great July Plan :j

1, P/T work £15, £12.50, £22.50
2, P/T work £15, £15, £20
3, P/T work £2.50
4, P/T work
5, salary o/t :mad:
6, salary o/t :mad:
7, salary o/t :mad:
8, salary o/t :mad:
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! received :T £50
13, Surveys £3, £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, + £4.50
17, M/S £50
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 + £ (got over £50 cashback) + £27.83 - extra MS money over and above target

DedicatedDFW

Well from the above: -

1-4 i'm not on target for my p/t work but won't be including this on next months challenge as this income is necessary for all my usual bills.

5-8 Angry faces next to my overtime money is due to the fact that i thought this was going to be paid to me at a higher rate than it is - works out significantly less because of this and obviously tax etc. was higher because of higher income. Won't be doing that again.

9-10 e-bay - need a new strategy for this next month, struggling to find items suitable for ebay e.g big items not worth much i don't think people would pay out the hefty postage so i put these things towards carboot. But still not nearly enough stuff for a carboot even if it wasn't raining :cool:

11 food budget - really need to tighten my belt this next 2 weeks to be remotely near target on this - everything seems so expensive now

12 hit target :T

13 a looong way off target but am trying every day and been screened out of lots of surveys - this really is dependent on the surveys i'm offered so will just try and do them every day

14-17 hit target :j:j:j - but wow! what alot of hard work thats been!

18-19 should hit on payday :cool:

20 hit target :j and more that helps with the shortfall on other bits :T:T:T

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
Day 16 £5 to target 1 - MS money
Day 17 £5 to target 1 - MS money
Day 18 £30 to target 1 from cashback

DedicatedDFW

Soo close to paying off target 1 - £84 left - some ebay funds will arrive in my account tomorrow leaving £74 and maybe some more Wednesday and then i can see where i'm up to :cool: Either way 1 card will be paid off in full this week and then i can work on the horrid 2nd card (blasted interest!);) Don't have any of these cards now and am looking forward to asking them to close my account properly - so it shows as a cleared and closed balance on my credit file

Got some exciting plans going on at the mo. - always nice to look forward to things - should be very little cost to me but again something that needs to be factored into the overall cost of things - will reveal more when its all settled :T

Well been scouting round for MS's and nothing available just now so off to bed it is. Night all x

jwil

DedicatedDFW wrote: »

Well that makes my mind up best get a wriggle on otherwise i may be strutting round work in a fab pair of very high heeled gold glitter shoes :rotfl::rotfl::rotfl:

What's wrong with that?

jwil

DedicatedDFW wrote: »

Soo close to paying off target 1 - £84 left - some ebay funds will arrive in my account tomorrow leaving £74 and maybe some more Wednesday and then i can see where i'm up to :cool: Either way 1 card will be paid off in full this week and then i can work on the horrid 2nd card (blasted interest!);) Don't have any of these cards now and am looking forward to asking them to close my account properly - so it shows as a cleared and closed balance on my credit file

Got some exciting plans going on at the mo. - always nice to look forward to things - should be very little cost to me but again something that needs to be factored into the overall cost of things - will reveal more when its all settled :T

Well been scouting round for MS's and nothing available just now so off to bed it is. Night all x

Ooh you are so close to clearing target 1, fantastic!

Exciting plans sounds intriguing and very good :j

abba1772

hi :wave:

just wanted to say well done on nearly clearing target 1 you're doing great x

DedicatedDFW

lol - at wearing the sparkly shoes to work - i love them too much to take into my workplace which i don't necessarily think is the cleanest of environments

And thanks so much with your encouragement for target 1 although i'll be using my interest free card for some new work shoes today - practical is definitely the way to go on this one i think

Well, after getting up early i've spent the morning on the comp - not too bad really when you think i had to spend nearly an hour on some stuff to do to prepare for an MS - if i'd known i had to do this i wouldn't have bothered - and i've another 1 to do, same timeframe, will leave that until tonight now. Also hunted around for some MS's, banking and free bingo all up to date and am now on my second cuppa :coffee:

I have also been pondering The Great August Plan - after losing the original one - oops! I suspect its somewhere in the bedroom but OH is still asleep so i'll not check it for now. Have managed to get up to a planned 16 of 20 £50 - so 4 to go. And these are more definite too - e.g not including p/t work which i use to pay normal outgoings :cool:

In good news, whilst doing another great paperwork hunt, i discovered this month should be the last one for one of my DD's for insurance - i know the full amount will be due in a few months but this will release a little bit of cash to tackle target 2 :T I'm thinking of putting the new insurance on my card (interest free) and the amount OH contributes to this can be paid off the card with interest - so it will work a little bit like a balance transfer if that makes sense?

Have a good day all x

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
Day 16 £5 to target 1 - MS money
Day 17 £5 to target 1 - MS money
Day 18 £30 to target 1 from cashback
Day 19 £14 to target 1 - from cash back
Day 20 £40 to target 1 - p/t work
Day 21
Day 22
Day 23
Day 24
Day 25
Day 26
Day 27
Day 28
Day 29
Day 30
Day 31

Oooh please remind me to put my starting balance of Target 2 at the top of the great august challenge then i can see if i have reduced the debt by £1000