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

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  • InaPickle
    InaPickle Posts: 5,968 Forumite
    1,000 Posts Combo Breaker
    Oh Dedicated, please look after yourself more. You will have paid off all your debt before long, but what enjoyment will you get out of the rest of your life if you have made yourself ill though working/stressing too hard? :(

    You are getting a bit better at looking after yourself, but please try harder as you need to be good to YOU - nobody else in your life seems to try as hard as you do. x
    Please call me 'Pickle'
    No More Buying Books: ???
    No More Buying DVDs: ???
    NMB Toiletries ??? and I've gone back for my Masters at the University of Use Ups!
    P
    roud to be dealing with her debts 1198~

  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hi Pickle :wave: How are you? :D I am trying to look after myself better - hence the exercise and diet - tiredness is definitely thyroid though :( Although i know all the running around i do doesn't help - especially when others have me running round after them and then say i'm doing too much - where's the rolly eyes smiley when you need it? Thank you for your kind words hon - its really nice to hear from you :D

    So as predicted i've hit my limit on the stuff i wanted to list - just spent ages writing up the description for one too - you think they'd let you know sooner wouldn't you? oh well - it may actually sell better the more we get towards chrimble and party time and if not - well these things i'm listing i'm in two minds about as i'd like to keep them too :D so its not all bad then ;)

    Righto! Best put away the stuff i was listing :cool: and pop all the small 99p items on that i've got - don't think there's anything else i can rummage up at the moment either :think:

    Checked banking as i really want to pay something off :o but i think i need to wait until the end of the month so i'm not putting myself under any unnecessary pressure :o
    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
    Hi jwil :D i meant to reply to you earlier today :doh:i guess you're listing on e-bay :) I read never let me go - excellent read but very sad x i think you've probably read it as its on the list ? :)

    Well i'm all e-bayed out for today i think. i had everything sorted out on my 99p listings but someone's gone through them and they are all jumbled up again *sigh* Still now up to 46 new items of 100 :T:T:T this isn't creating tons of space though because the majority of those 46 things are very, very small. *looks round room pondering larger items* :rotfl::rotfl::rotfl:

    In other good news i got a new debt through the door - this is in fact good news as its my course fees for my new OU module :D i had wanted to do 2 courses but really couldn't afford it :o Very much looking forward to this course but will need to keep decluttering and reducing bills this month. I will have to take a step back on things come the start of the course though.

    This in itself shouldn't be such a big shift. The MS's have totally dried up this last 2 months - and i've had a few instances of the MS being cancelled after i've selected it and spent time learning new stuff - fair enough the client has cancelled it but its still been my time and money used, then there was the one where it got cancelled after i went to it. I know these are things that have happened lately but when the income is tiny for some of the jobs its really putting me at a loss. I do also spend alot of time looking for the work and this has been a vast amount of wasted time this last 2 months :( So i am just intending to put my time and energy to better use :)
    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
    Well done on the listings DDFW, I have done none today :o It's funny, because most of my stuff is smaller items, so I was trying to figure out if I had anything bulkier too!

    I loved Never Let Me Go, I'd like to see the film too, see how they managed to make it.

    Yay to new courses:T

    I second what pickle says too :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
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hi all

    jwil :wave: - when i was reading the book i kept thinking ooh - is it like that film? you know before you find out whats happening / going to happen. i don't want to post too many details in case anyone's reading it or going to read it :cool: i had seen the film a loong time before and enjoyed watching it - didn't know it was based on this book :) The book i think is sadder and harder hitting - a fantastic read and i am still mulling things over about it :think: Have now begun Slow Man :) - at this rate i'll be on amazon ordering some more books soon :eek::eek::rotfl::rotfl::rotfl:

    have you managed to list some things this weekend hon? I'm hoping for a plodding day - taking everything at an easy pace but getting things done too ;) As its the long weekend next weekend i'm going to leave doing the path until friday morning :T then i have the full long weekend ahead of me to get things done in :D I haven't received any course materials as yet for my new module so just wanting to be as organised as i can be for that :D i still think i have too many things - OH would say that this doesn't stop me getting new things :o i managed to get some lovely thick winter trousers for work from a clearance shop for £4 :D gorgeous fit which helps them look great on and really nice quality :D

    So plans for today are:~

    Sort out clothes for work tomorrow :cool:
    Remove toe-nail polish and re-paint :D
    Find and list some new things on e-bay :T
    Go through my box of papers and check my to-do list putting in next actions :cool:
    Washing pots
    Making of tea
    A bit of reading
    Hopefully, if i'm in the right mindset for it when there's the time to do it a bit of future goals planning ;)

    Hope it is a good day for everyone xx
    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
    I haven't done any listing yet :o I sooo am not in the mood to do any today! I hate listing at weekends, I'd much rather try and fit it in during the week, but I shall see if I can get some stuff on later.
    "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
    Hey jwil - i'd love to get my listing out of the way in the week and try and save weekends for me-time and quality time with OH :) with my hours though and the 2 jobs i just never fit very much in in the way of listing stuff in the week. You always get loads done anyway with amazon and e-bay so don't worry if you don't get any on today :)

    Plod, plod, plod... a couple of extra things listed on e-bay, a little bit of reading done and toe-nail polish removed and nails trimmed. Eye-brows also re-shaped :)

    Best get back to it :cool:
    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 jwil - i'd love to get my listing out of the way in the week and try and save weekends for me-time and quality time with OH :) with my hours though and the 2 jobs i just never fit very much in in the way of listing stuff in the week. You always get loads done anyway with amazon and e-bay so don't worry if you don't get any on today :)

    Plod, plod, plod... a couple of extra things listed on e-bay, a little bit of reading done and toe-nail polish removed and nails trimmed. Eye-brows also re-shaped :)

    Best get back to it :cool:

    I haven't had time recently to get much on in the week either. DH wants some stuff put on too, so I'm sure I'll do a few bits later. I really need to get some stuff on though so I can raise the extra cash I need.

    Sounds like you are having a good day DDFW, I love those pottering days where you just plod about doing little jobs here and there. :)
    "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
    plod, plod, plod... :)

    A couple more things listed on e-bay :T - i am so near to having listed 50 new items though and i'd like to get it to over 50 new things listed so that i'm over half way there. Hmm... it would be easier if i wasn't limited on certain categories.

    Pots washed :)
    Now to tackle my pile of papers though i'm still trying to work out of i have anything popped away that i can list on e-bay we will see :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 think i've probably done enough for today :) Am tired and hungry now, or maybe just hungry and tea is over 2 hours away. A snack is in order methinks but i didn't get any chocolate this week from the shops as it wasn't on offer and i really really really want chocolate :rotfl::rotfl::rotfl:

    I have enjoyed some more reading whilst waiting for my toe-nails to dry ;)

    Work clothes are ready :)

    Tea - i know what we're having but its not until later :)

    Just the future plans and i'm not in the right frame of mind to sit down and think about that :o

    Have also been trying to work out what i can sell on e-bay??? just 4 things to take me over half way to target :think: I'm pretty stuck for moving at the moment until my toe-nails dry :rotfl:
    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
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