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

DedicatedDFW

Hi hypno - i'd love the recipe for the veggie curry - i used to be vegetarian actually but never made a veg curry before - think i'll pop over to your thread for the recipe

And shucks :D:o - saying i inspired you with the cooking after the inspiration you have given and still give to so many on here it is a huge compliment.

Hi ebayqueen :wave:

Hope i've not bored you too much with my wafflings :rotfl::rotfl::rotfl: - ooh i may ask you for some ideas for what i can sell on ebay - i've done the thing of decluttering several times over, listing everything that isn't nailed down etc. so am struggling now for what to list - am sure i've probably got stuff that i'm just thinking won't sell :think:

DedicatedDFW

Was up until very late checking for MS's and got none but got up this morning and have managed to get 2 MS's - both of which i really want to do - so all good there!

I have also just done an MS this morning and submitted the report :T:T:T Am printing off the paperwork for the upcoming MS's that i have - only a few but it all helps

On-line banking checked - awaiting MS money coming in. Made my PAD for today All the targets having changed though my next target is £200 and with 4days left to end of the month it would be great if i could halve that - will depend on MS money coming in though and how [STRIKE]much [/STRIKE] little i can get away with spending on our break

Done 1 lot of free bingo and working my way through the next lot

Lots of thing going round in my head about what i want to achieve this next week - best get my action plan out

jwil

Yay to the Balance transfer :j:j:j:j:j What a great result!

Have you seen the thread 'things you never thought would sell' on here? There are some really bizarre things on there. My attitude now is if I'm getting rid of it, give it a try - you never know! If you wait til free listing or start at 99p it won't cost you anything.

Or there is always the 'well worn shoes' option _pale_:rotfl:

DedicatedDFW

Just checked the 0% card i've been using for MS's :eek::eek::eek: - ok, its not that bad - its just that it is quite alot - just goes to show how much i've been spending on the MS's - i do get re-imbursed for the majority and the bit i'm not re-imbursed for is *usually* worth spending. Will continue to get everything onto 0% and then start to tackle this. - I did have a busy and costly few weeks of MS's and once the money comes in its all good

Been to the supermarket and spent far more than i intended - part of the reason for this is that some things are just soo much now :eek: The happier reason was i got *alot* of reduced priced foods :T:T:T including, steak, bread, pies, chicken - now the pies will be fab for OH and i can freeze them all individually - 20 pies for less than £3 - a variety of flavours too

Right, am now going to bed - lots to do tomorrow and not found any MS's to apply for

DedicatedDFW

*urgh* What a day to wake up late - typically the day when i have the most to do! I have been very tired lately as i mentioned yesterday but i am keeping up with my tablets *note to self to check when due back at the doctors* But i've also not been sleeping very well at all - i'm going to bed around midnight (don't get in from work until late) and it takes me at least an hour to fall asleep and then i'm waking up at about 5am - or thats been the pattern so far this week

I have p/t work tomorrow and i think an MS - today i've done p/t work, off to f/t work soon, got an MS to do also and out with friends straight from work.

Right, need to get together clothes to change into for night out, make a nice sandwich for lunch Get MS paperwork together - already printed Do 2x free bingo - banking already done and PAD arrived into the account :T:T

Have a good day everyone

jwil

Yuck to not sleeping well, I don't function well on a lack of sleep.

Hope you have a nice evening out though!

DedicatedDFW

The tiredness caught up on me and i had a bit of a snooze time this morning - and now have to achieve lots in the next 40minutes :eek: After that its p/t work and i'm checking for a possible MS to be done today instead of tomorrow but i think i have a total of 4 to do tomorrow? and may well leave it at that :think:

Got 1 lot of free bingo to do later too as i've only got 1 done - have done banking though and need to update my sig sadly i'm not updating it as much as i'd like too as the moneys gotten away from me a bit *Also confesses to buying stunning maxi dress after trying one on in the shop and feeling amazing in it* To be honest though, i feel better when i'm well dressed and get far more done and i did buy it on-line for the cheapest price i could find

I have been feeling very weepy this last few days - not sure why but feel i could just burst into tears at any moment - things are still not brilliant here so that could be playing its part in this?!

Well lots to do so hope its a good day for all

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
£60 - money left in my account due to using 0% card :cool:
[ £40 - usual payment to target 3]

Day 24 £5 - p/t work
Day 25 £6 - survey money
Day 26 £6 - survey money
- £1700 balance transfer to 0%
Day 27 £8 - MS money - this is now target 2 paid off :j:j:j though i bet they still add interest

Target 3 balance £200

Day 28 £3 from survey money
Day 29 £12 from MS
Day 30
Day 31

DedicatedDFW

Also, have not overpaid as much to target 1 as i am going to need some cash for our little break :eek: desperately trying to keep the spends low on that and in all honesty the dress is something i've wanted for 2 years and a baragin at £32 Still, i know it could have been £32 off the debt but i have to have treats occasionally otherwise i'd go on a huge spree :eek::rotfl::rotfl::rotfl:

hypno06

Sorry you've felt a bit weepy - you have a lot of "stuff" lingering and it does all take its toll over time.

Look after yourself - and allow yourself to sob for a while if needed to get it out of your system a little bit x