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

DedicatedDFW

Hiya everyone

Don't you just love the start of a long weekend? Full of promise of no work long days (which i always picture as having just the perfect weather) where so much can be achieved :T:T:T i love it - i am also especially loving the planning of things i want to achieve in my future which i'll be doing in my lovely new notebook this weekend :j:j:j

Fab news is that i checked my banking and some MS money was paid - meaning i've now been able to a PAD woo! :j:j:j
Another £10 in the bolier pot
Another £1 in the bike pot
And finally managed to get some MS's in - go me!

Am sure i'll be back tomorrow with some more detailed plans

DedicatedDFW

Good Morning everyone

Well its the start of a long weekend and i have just inadvertently made quite a large overpayment to my debt Oops!

Well there's no point worrying about it as this is not something that i can change - all i can do is try and fix it I have just paid a whopping £455 into one of my overdraft accounts - an account where they will not let me withdraw the money :eek: This is in addition to the £100 i intended to pay yesterday. i like to think that my subconscious was at work knowing how i desperately wanted to pay off this debt where i am incurring interest :rotfl::rotfl::rotfl:

So - a piece of paper, a calculator and a pencil all at the ready - i'll have to temporarily borrow the money i am saving for other things (in my sig) and it is only temporarily
Bolier 47. bike 18, gutters 4 (yes it really is that bad that i need to cart all of this spare change to the bank) 20 OH owes me, 85 i'd budgeted as next months payment anyways (i'll just have to pay it later in the month) £22.50 p/t income, 1.50 over budgetted for another debt, 55 p/t income, 15 p/t income - leaving me with the grand total of £187 to find before Wednesday. This will again be money i'll borrow - just hope the e-bay sales are good then i can repay it from that obviously anything sold this weekend, even if its paid for immediately will not arrive in my bank account in time - i am due over £120 MS money - £60 i'm going to check when i'll get it and the other £60 is probably going to be received on the 1st - if it comes in sooner its all to the good

DedicatedDFW

So after a little research i think the £60 from the other company will be paid before the end of next month :T

Have scouted around for MS's and none for me to apply for but i did pick up a total of 3 yesterday and have put in a request for more

First load of washing is on - i've had half of a cuppa the rest has gone cold after my panic before :rotfl::rotfl::rotfl: Another cuppa due soon methinks :coffee:

On-line banking has been checked and i've no money due in at the moment - i'll take a look again on Monday in case MS money arrives sooner

So i've paid a chunk off my debt and £187 is money i know i can borrow on the short term if needs be

Lets hope i can pay off the rest of target 1 next month, in a more non-panicy fashion :rotfl::rotfl::rotfl: and then all my debt will be on interest free :j:j:j

So banking - done :rotfl::rotfl::rotfl:
On 2nd lot of free bingo and trawling through surveys
Will do a bit more on the surveys before i tackle the path!

DedicatedDFW

Well that didn't go according to plan either :rotfl:

I've been up since about 7.35am, so from then until now i've paid alot off my debt - then spent a fair bit of time trying to work out how to replace this money :rotfl::rotfl::rotfl:

Checked on-line banking and all other bills due - as above

Checked for MS's

Checked when i'll be paid for an MS

Put 1 load of washing on, now drying

Got screened out of surveys,

Checked e-bay

Faffed around for ages on behalf of OH - grr! :rotfl:

Caught up here in diaryland

Just had breakfast.

Right its very wet outside and the soil is going to be heavy but i'm going to don my wellies and get out there - 1st stop is another load in the wash :cool:

DedicatedDFW

Urgh!

Well that was very hard work! but i am mightily pleased to report that i have made my path and i think it looks fab :T:T:T i just need a few more items to finish it completely - nothing anyone else would notice mind It was really heavy work and i had to push myself to keep going but i am so pleased with the result :j:j:j

I even took up some potatoes for tea :cool:

The next big jobs in the garden won't be for a few months now as i need to await some plants dying off a bit so they can be safely moved to a better spot these were the plants that we inherited when we moved here.

Just had a shower and the third load of washing is now on Once thats finished i'll wash pots

Have checked e-bay and now have a total of 3 items with bids on and 8 others that have watchers :T ooh! Please make bids people :rotfl::rotfl::rotfl:

I was wanting to start my future plans - thinking ahead to next year but i'm a bit shattered at the moment and trying to get some energy / focus back :cool:

Need to print off MS jobs and some other stuff i've been looking at - these are things i'd like to do today. New bedding needs to be put on beds and need to visit some friends later.

DedicatedDFW

I got the priority MS stuff and other things printed off :T and i went out to friends briefly too. All washing was done except the washing of pots as i couldn't get the hot water to work :mad: - soo soo glad i am saving for a boiler

But the gardening - which wasn't really gardening but alot of heavy work - digging lifting etc. - i am very very happy that i did this but it completely floored me - i didn't / haven't recovered from the exhausted feeling keep taking my tablets & plodding on - i've got another doctors appointment coming up but don't expect anything to change

The frustrating thing is that there was so much more i wanted to achieve today - still, isn't that what the long weekend is for? what i've not achieved i can start tomorrow - its the future plans that i really want to work on now

ebayqueen_2

Morning Dfw

I think you deserve a no work day....most definitely . Let your body recover. Take it easy and have a nice hot bath/shower this evening and into nice clean jammies. What more could you ask for.

Take care
E

DedicatedDFW

Oh dear! Have woken up feeling terrible - achey body, full of a cold - the no appetite being the only good thing Then i have just contacted the place i am supposed to be doing my MS at tomorrow - to check the opening times - and they are not open - it being the weekend and all the MS company are also not available. But i do know that this job can be done today - which was absolutely not my plan to go anywhere on a busy saturday and besides which i was going out tomorrow anyways - but what can you do?

So i'm going to pop my make up on, work out what to wear and hope, hope, hope that OH will still take me :undecided

Checked my e-bay - no change there

DedicatedDFW

Hi ebayqueen

Aw thanks i was actually hoping to have a nice easy day at home today - but am now going to have to go to a new town to do this MS :eek: i have no satnav and there are alot of turns to get there.

Hope you are good ebayqueen and have a lovely weekend x

DedicatedDFW

That didn't go according to plan - OH is not taking me to the MS and it turns out i'm not well enough to drive there

Will see if they'll let me go next week - really hope so.

1 more item selling on e-bay :T Time to go through paperwork and start making my future plans