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

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  • jwil
    jwil Posts: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks hon - i know its a debt gone but i guess i'm just in an out of sorts kinda mood ?

    Funnily enough i was thinking of fruit and veg earlier too :rotfl::rotfl::rotfl: in all honesty if i buy the stuff the shopping goes up to a shockingly high level :eek::eek::eek: But, trying to look after myself better will mean a regular intake of fruit and veg - and i do really enjoy it - i used to be veggie after all :)

    Jobs from earlier

    [STRIKE]Check again for MS's - i do this automatically anyhows[/STRIKE] Done! :j
    [STRIKE]washing of pots[/STRIKE] Done! :j

    [STRIKE]clean sides down in kitchen[/STRIKE] Done!
    [STRIKE]clothes washing[/STRIKE] Done! 2 whole lots :j
    [STRIKE]... drying[/STRIKE] Done! 2 lots :j
    [STRIKE]... moving[/STRIKE] Done! :j
    [STRIKE]try and dust but am not too bothered if i don't manage this[/STRIKE] Done! Every single room :j
    [STRIKE]hoover if i dust and if i can manage it [/STRIKE]:cool: Done! Every single room :j
    lift out clothes for work tomorrow *bleurgh* Must do as after all i'll need to be wearing something :rotfl::rotfl::rotfl:
    print off assignment details for tomorrow oops! another priority :)
    look at new language book :j:j:j Bah! a really appointment thing just for me - will need to do it

    [STRIKE]all to be punctuated by e-bay listings [/STRIKE] Done! :j

    So everything done and more besides off the most important stuff so quite a good day :D

    Wow, well done on all you've achieved!

    I know what you mean about the fruit and veg. No matter what people say, it is a lot cheaper to just eat rubbish - that's part of my problem at the moment. I've made a conscious effort today though to get some more, and I'm going to eat more next week. I love my veggies and fruit too!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    ebayqueen and jwil - thank you both so much :) Often i'll feel like i've not achieved anything but getting all the housework done and e-bay listings - although i've still got several items to get on there - made me feel all happy when i sat down - was definitely better settling down in a nice clean and tidi(er) room - as in not quite tidy enough but hey :o:D

    Right now, having been at work all day and squeezing in an MS - which i had to run to in my lunch :eek: i'm sat down and enjoying a nice glass of red :beer: courtesy of Mr D :smileyhea

    Will put my report in for MS tomorrow - its written but it needs a proof read and now is not the time :cool:

    Getting back into my running again - had a sort of enforced break what with all the MS's i had on but as thats calmed down i can get out and do my slow plod around :)

    And agree jwil re. fruit and veg - you know i might try a full week of that just fruit and veg i mean - of as many different colours as i can get my hands on :cool: Might need to eat some stuff out of the freezer first though - i got those offers the other day and then some more oops :whistle:
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • jwil
    jwil Posts: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Might need to eat some stuff out of the freezer first though - i got those offers the other day and then some more oops :whistle:

    Reduced items don't count - they are essential purchases :D
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • ebayqueen_2
    ebayqueen_2 Posts: 1,175 Forumite
    Exactly Jwil...thats why I need another freezer :)
    "You are never too old to set another goal or to dream a new dream" :) C. S. Lewis
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Thanks guys :D at least i know thats why i can't leave them ;)

    Well, tomorrow see's the start of yet another very full on week! I tried to book a day off work to help me manage my time and tiredness but no can do - oh well, i tried :)

    Will be finishing the path at the end of this week too :T:T:T Think thats part of the reason i want a job with better hours - i'd love to do the garden tomorrow but as i won't be home from work until maybe 10pm then thats not possible :doh:I think if i was getting home by maybe 6pm at the latest i'd have time to go to the gym or for a run or do things in the house / garden. As it is i'm commuting for hours a day which in itself is tiring and then getting home with no time to do anything like garden, gym, socialising etc. Sadly, no response to my application that i put in the other day :(

    I haven't picked up any new MS's either but will keep on looking :cool:

    Some of my e-bay items finished today and sold a couple of things which is good :T Some of the things i re-listed as they had so many watchers and again got lots of watchers but no bids :( - i'll just leave those until free listing days now :cool:

    Hope you've all enjoyed a lovely weekend :D
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    I was just thinking i've not done anything today towards getting debt free :eek: Then i realised i have done 2 x free bingo - funny how much these things become a part of our lives isn't it? I proofread and submitted yesterdays MS :) I looked for some new MS's - none to be found sadly :(

    Then i thought about how out of these things - 1 of the free bingo's does save me money as i get vouchers from there and i do get paid for MS's but its really timeconsuming doing the other bingo and looking for MS's with no guarantee of any income... hmm... i do need to come up with some other ideas for raising the pennies - all ideas gratefully received :D
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Yikes! Totally overslept this morning - after a weekend full of bad nights sleep and feeling completely exhausted *eep* means i'm going to be super busy tomorrow :eek: I can only do what i can and tomorrow will not turn the laram off and promptly doze for a few hours - i must have needed it though :cool:

    Must dash to train for work and see what i can catch up on on the old commute ;)

    Have a good start to the week guys x
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • jwil
    jwil Posts: 22,044 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hey DDFW, I know what you mean about the moneymaking ideas. Other than selling everything that isn't nailed down, I don't have much in the way of ideas.

    I haven't been on BP for a while as just been too tired, but I should get back to it as those vouchers are my guilt free spends, so I miss them!

    I wouldn't give up hope yet about the job. When my place has hired staff, they've never acknowledged applications, just sent out letters once they decide who is shortlisted. I would say there's still hope until about a week before the interview date.

    You are right that you probably needed the sleep, and it must be no fun commuting all the time, so I hope you manage to find something more suitable soon.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Ho hum... i am completely shattered. i have zero energy and have a huge MS to do tomorrow and a full day of work to do too :( i'm thinking of seeing how i feel when i get up :( even after i got up late today i struggled actually walking around the office and thats not an exaggeration :o i really wanted to do this MS. Right, decision made i'm going to ring the docs tomorrow - i'll need to be up first thing for this and will try and get an appointment asap. Its just no good that i'm expected to feel like this so much of the time and just keep getting told that it'll be fine when my tablets are sorted out. Really? because its been nearly a year :mad:

    Sorry for the grumpiness but i am so upset by how exhausted i am :o

    Money News

    Responded to an ebay query - lets hope it turns into a bid ;)
    Completed a survey that took me to payout level - just £5 but am still happy about that :)
    2 x free bingo done
    Checked for MS's none :(
    Responded to a query on an MS i had done before
    Tried to do other surveys but couldn't get in

    Right, sleep, i hope and we'll see how i feel tomorrow.

    Hope everyones had a good monday and hoping my cheery optimism comes back tomorrow :)
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • ebayqueen_2
    ebayqueen_2 Posts: 1,175 Forumite
    Morning DFW

    Hope you got a good nights rest. Feeling constantly tired is a very draining. Make sure you ring the doc today.
    Take care of yourself
    E
    "You are never too old to set another goal or to dream a new dream" :) C. S. Lewis
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