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

DedicatedDFW

Plans for today are thusly:

[STRIKE]Check for any MS's later in the day [/STRIKE];) Done! :j But will more than likely do again later :cool:

[STRIKE]Complete todays MS and report [/STRIKE]:) Scrap that - i am going to be in this area tomorrow and have managed to reschedule - thus saving petrol and a bit of car wear and tear - very MSE :money:

Read up on tomorrows MS's To be done later

List 10 items on e-bay Again later though i've relisted 11 items

Put clothes into wardrobe erm nope - and possibly not later either this may have to roll over to tomorrow

[STRIKE]Put all tip stuff together [/STRIKE]:) Done! :j And there is lots of it too - garden already looks better - was heavy work and took longer than i thought but that will save on some time tomorrow - keep thinking i've missed something but will probably only find this out once i've sorted the garden :cool:

start on new knitting project must start this later

Get together my to do list and see whats to do and again later...

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 £5 from MS
Day 31 £5 from MS

DedicatedDFW

Oof! Suddenly remembered it was the last day of the month and had to post on the challenge thread so that my totals could be included Done that now

So from my sig as of today if i pay off £1620.05 (and add to this approximately £80 interest) then i'll have paid off Targets 3, 4 and 5. This is my challenge for August and i'll be focusing on the handy PADing to help me get there. Along with the Great August Plan! Although this only covers £1000 and there's a canny bit more to scrabble together to get to this target :cool:

DedicatedDFW

PAD

Target 3 balance £175

Day 1 £5 MS money (balance £170)
Day 2
Day 3
Day 4
Day 5
Day 6
Day 7
Day 8
Day 9
Day 10
Day 11
Day 12
Day 13
Day 14
Day 15
Day 16
Day 17
Day 18
Day 19
Day 20
Day 21
Day 22
Day 23
Day 24
Day 25
Day 26
Day 27
Day 28
Day 29
Day 30
Day 31

DedicatedDFW

Well thats me set up for tomorrow when i hope to post up my August plan - figure this £1000 will be more realistic so hopefully more achieveable and this should hopefully bode well for the extra £700 or so i need to reach this month

Not alot else achieved after an impromptu trip to the pub *hic* :beer:

Got my list of things together for whats needed for me to achieve everything i want to tomorrow - will be setting alarm early in order to wash pots before my mum comes round to help me in the garden :rotfl::rotfl::rotfl:

Actually did quite a bit of weeding when i was out there earlier :cool: though this was only 1 bit i could stretch and reach as i didn't want to get my wellies dirty - only because the weeding should be being done tomorrow and i was sidetracked into doing a bit today Dirty wellies would have meant cleaning them and there wasn't time for that as i was doing lunch, sorting tip stuff, storing seating - all heavy carrying - phew!

Well, got a few minutes now where i can start next knitting project and that will be something else crossed off my list :T:T:T

Then re-cap on MS's and the rest of the things can wait until tomorrow

Just hope i manage to get up early enough to do banking, bingo x2 and pots and maybe move some clothes before going to the tip! And then hope to be back in enough time to start making the path before i have to go out for MS's

Though it'd be lovely to have all the garden sorted out tomorrow, given the amount of time v work i think realistically there'll just be some bits that can be completed and then schedule in the rest perhaps for later in the week :think: so aim to have patio area sorted out with no extra work to do. Dig up potatoes om nom nom path created fruit bushes re-housed maybe a bit of weeding.

Hope you've all had a lovely weekend

DedicatedDFW

Yesterdays To Do List:

[STRIKE]Check for any MS's later in the day [/STRIKE];) Done! :j But will more than likely do again later :cool:

[STRIKE]Complete todays MS and report [/STRIKE]:) Scrap that - i am going to be in this area tomorrow and have managed to reschedule - thus saving petrol and a bit of car wear and tear - very MSE :money:

[STRIKE]Read up on tomorrows MS's [/STRIKE]:) Done! :j

List 10 items on e-bay Again later though i've relisted 11 items

Put clothes into wardrobe erm nope - and possibly not later either this may have to roll over to tomorrow

[STRIKE]Put all tip stuff together [/STRIKE]Done! :j And there is lots of it too - garden already looks better - was heavy work and took longer than i thought but that will save on some time tomorrow - keep thinking i've missed something but will probably only find this out once i've sorted the garden :cool:

[STRIKE]start on new knitting project [/STRIKE] Done! :j Must admit Mr D was bemused by this at approximately 10.45pm last night :rotfl::rotfl::rotfl:

Get together my to do list and see whats to do and again later...

Saturday to Monday To Do list:

Would like to achieve:

[STRIKE]All rubbish thats strewn over the garden off to the tip or moved to side of house so its not looking like a real dumping ground[/STRIKE] :mad: Will mean alot of heavy work for me and a trip to the tip which i've never been to. And, trust me, i'm not the one who has been dumping huge pieces of wood, rubble and goodness know what! all over the place :mad: The thing is, i hate doing this as its cleaning up even more after OH but i cannot live with this mess or the damage its doing to my plants a moment longer! Done! :j:j:j Although what i was throwing out was proper rubbish - rubble etc. i was shocked by what people throw out :eek::eek::eek:

When i can get to plants start weeding

Make a path in the garden

Weed at the front of the house

Re-house raspberries and blackberries - either in my garden or pass onto family member :think:

[STRIKE]Free bingo - keep up with this daily.[/STRIKE] Done! :j

[STRIKE]Look at bank account see what PAD i can now realistically acieve [/STRIKE] :think: Done! :j

Sort out and list 10 things on e-bay taking me to 10% of my target

Sort out things to take away for our little break

[STRIKE]Freezer inventory - i may as well do this as i am going to empty everything out of the freezer and re-pack it. It is very full - couldn't help it picking up steak reduced all the way down to 80p![/STRIKE] :j Done!
[STRIKE]Go for a walk and maybe get a coffee [/STRIKE]:coffee: :jDone! except for the coffee

Continue on with projects

All clothes away into wardrobe

[STRIKE]Start new knitting project [/STRIKE]:) Done! :j

[STRIKE]Complete all surveys in inbox [/STRIKE] Done! :j Though i got screened out of nearly all of them

DedicatedDFW

Obviously, yesterdays To Do list involved things from the 3 day list. As today is the final day today i have to:

Start weeding

Make a path in the garden

Weed at the front of the house

Re-house raspberries and blackberries - either in my garden or pass onto family member :think:

Sort out and list 10 things on e-bay taking me to 10% of my target

Sort out things to take away for our little break

Continue on with projects

All clothes away into wardrobe


The one thing i can see me not achieving here is the e-bay listing :cool: We'll see how the day goes, expect to be doing my MS's until about 1-2pm and then in garden until about 6ish

Still must get on with pots - still not managed this as yet :eek:

Karmacat

Wow. Dedicated, I'm amazed (in a good way) by the focus and determination in your posts. I've kind of lost that. Okay, pushing for it again here. Inspirational!

jwil

Just caught up. *Phew*. I feel positively lazy now!

Hope your garden is looking a bit better now, I'm sure it must be! It is shocking to see what people throw away, it's ridiculous.

Stewing steak - you just need to slow cook it and it will be fine. It's tougher I think, so once it's slow cooked it will be lovely.

Good luck with the great August plan, I'm going to try and make a payment each day as well this month.

DedicatedDFW

Hi All

Am back now! KC that was a lovely thing to say - especially as I really enjoy reading your posts which are always so well put :D

jwil thanks for the advice on the stewing steak - over a decade of being a vegetarian means i don't always know how to cook certain things

First of all lets see what I managed to do before i went away and what i've got left to do :cool:

[STRIKE]Start weeding[/STRIKE] Done! :j

Make a path in the garden

Weed at the front of the house

[STRIKE]Re-house raspberries and blackberries - either in my garden or pass onto family member :think:[/STRIKE] Done! :j

Sort out and list 10 things on e-bay taking me to 10% of my target

[STRIKE]Sort out things to take away for our little break[/STRIKE] Done! :j

Continue on with projects

All clothes away into wardrobe