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

DedicatedDFW

Hey everyone,


Think I'll add this £300 as a mini target in my sig, just to keep me focused and to let me know if there's any wiggle room to transfer over to target 1 The other night out is with work and I really would rather have not spent funds on this It is a night out mid-week when I am in work for the whole of the next day too - so working all day, straight out from work which will make it a late night regardless. Home and then still up early for work the next day. I am only going as its work and was trying to fit in but have paid quite a bit and not even looking forward to it now. So have decided to take £5 for drinks with me and must *NOT* go over budget on this

DedicatedDFW

Have rounded all paperwork up into a pile ready to be dealt with more thoroughly :cool:
Printed out info for the 3 books I've sold. This will involve paying for postage tomorrow but as the postage is covered by the purchaser this will not affect a potential NSD.
I have spent some money today on some pens thanks to InaPickle who posted about the special offer. *think* I spent £8.32
Am also about to spend some money on a set of books - the set will cost me just over the cost of 1 book from any other shop and there are 2 of the books I've not read, the others I'll list for sale. :cool: Been meaning to do this for several months
Just getting ready to drag myself out to an MS - at least it will sort tea out for me :D and change will go to the happy change pot.

I also keep checking e-bay 1 item thats ending has muliple watchers - hope this sells and then it is something saved for the loft ladders.

DedicatedDFW

Oof! Am now heartily full after my MS! So i spent money there but am classing as a no spend really as will be fully re-imbursed:T

Before I went I ordered the books :cool: As soon as they come I will list most of them for sale and keep the 2 i've not read before listing. Should make my money back on these easily enough but will be a good read anywho's

So a shameless copy and paste of yesterdays to do list with details of accomplishments :j


ToDo:

Write up MS Mostly done, need OH to get the picture onto the comp for me
Add on list of things to be done: contact docs, contact gutter man
Vacuum living room No point until OH has moved his stuff
Bleach walls in living room :eek: Lack of bleach causing a problem
Tidy living room 1/2 way there
Finally obliterate paperwork mountain of doom 1/2 way there
Aim to be at page 15 of business plan :cool: At page 12 currently
[STRIKE]Put all clothes in wardrobe [/STRIKE]:o Done!
Sort veg for freezer :T will do in a mo.
Clean ALL windows downstairs - except for the one I can't reach Erm nope
Apply for interest free card *fingers crossed everyone*
Get knitting ready for the week
Check offer still stands for transfer for utilities and do this
Type up more of book
[STRIKE]Print off details of books sold[/STRIKE] Done

Eep - my list isn't looking too good is it :rotfl::rotfl: Oh well, next break on the program I'm watching and I'll sort veg and then sort the knitting and then go through some paperwork. It's all fun at chez Dedicated

DedicatedDFW

ToDo:

Write up MS Mostly done, need OH to get the picture onto the comp for me
Add on list of things to be done: contact docs, contact gutter man
Vacuum living room No point until OH has moved his stuff
Bleach walls in living room :eek: Lack of bleach causing a problem
Tidy living room 1/2 way there
Finally obliterate paperwork mountain of doom 3/4 way there
Aim to be at page 15 of business plan :cool: At page 12 currently
Put all clothes in wardrobe Done!
Sort veg for freezer :T veg prepared just waiting to cool then can freeze
Clean ALL windows downstairs - except for the one I can't reach Erm nope
[STRIKE]Apply for interest free card *fingers crossed everyone*[/STRIKE] Not doing this yet. Read through letter I was sent and decided against this particular company
[STRIKE]Get knitting ready for the week[/STRIKE] Done
Check offer still stands for transfer for utilities and do this
Type up more of book
Print off details of books sold Done

Well definitely made some progress, and as this was meant to be for last night as well (but that got cancelled due to OH staying in) then I feel I have done quite well. Just going to pop heating on as its rather chilly! Brr!

jwil

Wow, you've done loads DDFW, makes me feel really lazy :rotfl:

You should be pleased about your £100-odd that you've paid off in 6 weeks, you've had a lot of additional expenditure.

I'm going to write a list of the jobs that need to be done in the house too, so I can see how much (if any!) I achieve next year.

DedicatedDFW

This is everything I achieved yesterday, before OH got back:

ToDo:

[STRIKE]Write up MS [/STRIKE]Completed 1 in full, and 2nd one after OH came home :j
Add on list of things to be done: contact docs, contact gutter man
Vacuum living room No point until OH has moved his stuff
Bleach walls in living room :eek: Lack of bleach causing a problem
Tidy living room 3/4 way there
Finally obliterate paperwork mountain of doom 3/4 way there
Aim to be at page 15 of business plan :cool: At page 12 currently
[STRIKE]Put all clothes in wardrobe [/STRIKE]:o Done!
[STRIKE]Sort veg for freezer [/STRIKE]:T Done!
Clean ALL windows downstairs - except for the one I can't reach Erm nope
Apply for interest free card *fingers crossed everyone* Not doing this yet. Read through letter I was sent and decided against this particular company
Get knitting ready for the week Done
[STRIKE]Check offer still stands for transfer for utilities and do this
[/STRIKE] Done! Didn't transfer in the end as we are actually with cheapest provider for us at the mo. but at least I checked it
Type up more of book
[STRIKE]Print off details of books sold [/STRIKE]Done

Think this will be dragged out over the week. Off for some tea now. Hope its been a good day for everyone

Oh, in money news £20 earned today at p/t time work :cool:

brizzledfw

:beer:You're doing really well and wow so many posts.. You're a prolific poster:D and we likes that

Think Quidco pay out. X2 a month.. So hopefully soon..

brizzle xxx

DedicatedDFW

Hi brizzled and everyone,

Yes brizzled, I do seem to be posting more lately but it is an attempt to keep the focus :cool: and I am glad to say it seems to be working.

I *did* spend some money yesterday - this was on the materials I needed to purchase following MG's course so: £14.95 on this but everything i got was at less than half price NorthernLas - many thanks for the post about the pens offer. But whilst out I was thinking how nice a hot lunch would be and this would only be about £2 but thought "no, if i don't buy a hot lunch that gives me more money for the things I really do need or to go off the debt"

Also spent 72p on whoopsied food - got 2 meals for that :rotfl:

So quick outline of where i *think* i'm up to regarding the £300 by end of month. Should be being paid:£155 for p/t work for the month. Then if OH pays for meal out there will be £60 to be banked *must do this monday* leaving £85 to find. I have some MS money due £10 should be paid before end of month and hoping a further £34 will be but if not that still leaves £75 to muster up.

*Dons thinking cap as heads off to work (bleurgh)*

Hope it's a good day for everyone

jwil

You need to find some more whoopsied food - if you can get 2 meals for 74p you'll soon make your target by finding some more :rotfl:

DedicatedDFW

Hi everyone

Am very tired, I know I am doing 2 jobs but I think its more the fact that I am not enjoying my job and travelling 3 hours a day (round trip) which is making me so run down I have done jobs I have enjoyed in the past which has given me energy and motivated me and not felt like work at all. Definitely looking for a new job with more determinism in the new year - trouble is I'm out of the house for over 12 hours a day and no internet access in this time so it is hard.

A nice thing that happened - a gentlemen stood back to allow me to go through the door before them A small thing that doesn't take much but is muchly appreciated and did make me smile.

On the £75 - hoping the money for books sold will clear in a few days so that will be £8 towards the total. Hmmm £67 to rummage around for

If the quidco money comes in *thanks brizzled for the info* i will be making an overpayment to CC - Ooh just popped on there to check and it has only been validated recently £80 :T:T Still no idea when its being paid to me but fingers crossed now

Time for bed now methinks,

Just remembered i should save some funds from food shopping as I hope to get my last £40 receipt that I need for the vouchers from MrM so that will definitely help

Putting all that down make me feel slightly calmer, right definitely bedtime now, night all x