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

DedicatedDFW

First of all hi abba1772 :wave: Think i was typing my post when you posted yesterday so sorry i didn't spot you sooner :D And thank you for your kind words of encouragement

Today has gone by in a whirl of p/t work, nipping to the bank, going to the supermarket, unpacking supermarket stuff, washing of pots then finally a bit of brekkie and much later a bit of tea and am still peckish but no wonder :rotfl::rotfl::rotfl:

In money news:

Today i have done some p/t work.
Put cash into bank and then discovered it was a good thing i did as interest was applied today - never know what day thats going to happen :mad:
Got screened out of a few surveys but completed 1 or 2.
Requested cash balance i've accumulated at another survey site :T
PADed £40 to target 1.
Rang the bank to cancel DD to target 1 - it'll be cleared tomorrow :j:j:j Bit anxious now though as the person assured me they would cancel the DD on the card side of things as well - we'll wait and see what happens there...
Free Bingo x 2 done
£3 credit note received following a complaint i made

Now, what i'm going to be doing is using my new credit card for purchases and then paying the cash i would have spent off the credit card which has lots of interest being applied :mad: Not really worked out how i'm going to reflect that in my sig though :doh:

Have a few little plans of fun things bubbling away now :T Will update about this when things are more definite

Been planning my MS's which has taken a bit of time getting them in order and paperwork printed off

jwil

Well done on clearing target 1 :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
Day 19 £14 to target 1 - from cash back
Day 20 £40 to target 1 - p/t work
Day 21 £30 - final payment (i hope - unless interest is added) to target 1 :jmoney from p/t work

Target 2 balance £1900.70

Day 22 £110 - combination of usual payments £50 each to target 1 & 2 & £10 p/t work income
Day 23 £5 - used credit note for £3 and rounded this up a bit too
- £40 - usual payment to target 3
Day 24
Day 25
Day 26
Day 27
Day 28
Day 29
Day 30
Day 31

DedicatedDFW

Hi All

Very happy to have paid off target 1 :j:j:j:dance::dance::dance:

But perhaps not as happy as i should be as i now have 2 active credit cards :eek: Just need to get my head around this a little i think :think: Basically out of my debts i have 2 overdrafts where i incur interest and 1 credit card with interest going on - the rest is interest free. If you remember i applied and got a card recently but the letter that came with it said no offers on BT's but purchases are 0% so my intention was to use that card to pay for stuff - food, petrol - the things that are normally paid for in cash and then pay that cash off target 2 where i am paying interest - with me so far? phew! - Well i find this a very messy way of doing things and then got to thinking maybe i should just apply for a card where I can do a BT - and this time put the right info in - last time i just put net income from 1 job :rotfl::rotfl::rotfl: Well applied the other night and got accepted :j No idea what my credit limit will be so am having all kinds of wild thoughts about being able to transfer all interest bearing balances to this account :rotfl::rotfl::rotfl: Given my income doubt this will be the case. Oooh! And in other great news my application for this card should net me some cashback too - i love it when a plan comes together :A

So now begins the process of PADing to target 2 and what a huge chunk i have managed to do already :T - as it says on the previous post this account has basically just had the minimum payments going in approx £50 month so hopefully will actually see some sort of reduction in the balance unlike the usual £2 it drops down by :mad: Including today there are 10 PADing days left for me to achieve this month I have just checked if i have anything hidden in paypal - nope - but am due money from 1 survey site that i've requested funds from the other day and have also got moneys due in from 2 MS places this should total about £160 that i expect by the end of the month so hopefully some decent padding going on :cool:

Today is unbelievably hectic! I have got p/t work, somewhere between 4 and 11 MS's - the other 7 i'm awaiting confirmation on but as its already today i think they are going to have to agree to me doing these tomorrow And the 4 definite MS's i have are very awkward in that i applied for them got accepted then got informed there was a timescale which is basically a very small window where i have to do the jobs then or not at all :eek: Oh that reminds me, i have where possible been using my 0% card for MS purchases which has helped a bit

Right got my cuppa to finish, some calls to make and then best get myself on with it :cool:

hypno06

Good luck with getting all those M/S done - and well done on clearing that first target.

Keep going!

jwil

Great start on target 2, and congrats on getting the balance transfer card too! It would be nice if you could get a lot on 0%

:eek: to 11 mystery shops though!!

The_Dragon

Brilliant news on clearing a debt target! :j on 0% card (especially if being used for MS which means you get the cash back ), looks as though things are going well :T

abba1772

well done on reaching target one x x x

DedicatedDFW

Ooh guys - you've made me go all goose bumply happy - you are the only people i can share this info with so thank you so so much. my new 0% card that i can BT to should be here next week - just hoping for a big credit limit

Managed all 4 MS's I was due to do today - all in different areas and at set times too - one came a bit of a close call to being missed as it the name of the place didn't match my paperwork :eek::eek::eek: - just scraped in on this and then toodled on to the next one that had the same problem :eek::eek::eek: Meant i wasted quite a bit of time rechecking the details before i did the MS's - reimbursement only shops and i didn't want to do them and then not be paid All done now and just 4 reports to write.

Finally got other MS's sorted out and now have 10 to do tomorrow :eek::eek::eek: Meeting my friend in the morning so can't really cancel that so it will be a very early start (will try and get 2 out of the way first ) and then a very busy afternoon :eek::eek::eek:

Ooh - lets try and get some smiley faces on here shall we? :rotfl::rotfl::rotfl:

To Do:

Write up MS's 1 2 3 4
Ring about exercise class this weekend :T
Ring about lessons to learn a new language
Print off all paperwork for next weeks and future booked MS's 1 2 3 4 5 6 7 8 9 10 11 12 13 14
Look at To Do list and see what i've done, yet to do and what needs a shuffle
Something tasty for tea

DedicatedDFW

To Do:

[STRIKE]Write up MS's 1 2 3 4[/STRIKE] Done! :j
[STRIKE]Ring about exercise class this weekend[/STRIKE] :T Done! :j
Ring about lessons to learn a new language
[STRIKE]Print off all paperwork for next weeks and future booked MS's 1 2 3 4 5 6 7 8 9 10 [/STRIKE]11 12 13 14 Priority ones done at least
Look at To Do list and see what i've done, yet to do and what needs a shuffle Cracking on with this now and then a rest :cool:
[STRIKE]Something tasty for tea [/STRIKE] erm done? OH made it and prepared me the wrong item and then burnt it. Oh well, i still ate it

So some essential things and some happier things on my list - giving me a sense of balance which is what i'd like to achieve

Forgot to say checked my bank account and nothing extra to throw at target 2 today - in fact not enough to cover DD's next week - but that us next week isn't it and something will work out by then - have a bit of p/t income due which may cover it :cool: