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

InaPickle

Well done on your decluttering - it must feel AMAZING!

Bad luck with the run, but if you wind is anything like ours has been, it must have been a case of 'one step forward, two blows back'!

ebayqueen_2

Morning DDFW


We enjoy reading your posts ddfw and you sound like a lovely lady so you help us by being on here too.

Thats a fantastic achievement Well done. Don't push yourself too hard at running if your body is not getting the rest it needs.

We have snow this morning...eek!!!! Hate driving in it and we are quite rural so there is no option but to do so. Hopefully it will go away. I will give it a good talking to this morning. :):)

Hope you enjoyed your drinkipoos :):)

jwil

Wow, you achieved loads DDFW. Well done on getting the big deep clean done, I bet it makes a huge difference to the house.

Yay to yummy biscuits!

ebayqueen - hope the snow doesn't last too long!

DedicatedDFW

MONEY IN
1st December ~ £20 p/t work (not yet received will be paid at eom)
1st December ~ £15 p/t work (forgot this yesterday :eek:)
1st December ~ £4 divi - PAID OUT to target 1
1st Dec ~ £6 money owed PAID OUT to gutter savings

2nd Dec ~ £20 in p/t work PAID OUT to target 1
2nd Dec ~ £240.12 credit refund from energy company PAID TOWARDS NEW BOILER Paid to car
3rd Dec ~ £10.70 last of free bingo wins

2nd Dec ~ usual payment to target 1 £40

So:

PADS
1st Dec ~ £10 (£6 gutters - from money owed) (£4 Divi - TARGET 1)
2nd Dec ~ £20 (p/t work TARGET 1)
2nd Dec ~ £40 (usual payment from wages TARGET 1)
3rd Dec ~ £15 (£15 p/t work TARGET 1)
3rd Dec ~ £10.70 (last of free bingo wins TARGET 1)
4th Dec ~ £16.61 (TARGET 1) Checked money going out + money due in and this is what i had left
5th Dec ~ £6.80 - used my last free train ticket *sob* this is what i saved
6th Dec
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DedicatedDFW

InaPickle wrote: »

Well done on your decluttering - it must feel AMAZING!

Bad luck with the run, but if you wind is anything like ours has been, it must have been a case of 'one step forward, two blows back'!

Aw thanks pickle - it does feel fabby :j And yep the wind was blowing a gale and a couple of minutes after heading out i got drenched in a downpour :rotfl::rotfl::rotfl: Hope all is well with you hon x

ebayqueen wrote: »

Morning DDFW


We enjoy reading your posts ddfw and you sound like a lovely lady so you help us by being on here too.

Thats a fantastic achievement Well done. Don't push yourself too hard at running if your body is not getting the rest it needs.

We have snow this morning...eek!!!! Hate driving in it and we are quite rural so there is no option but to do so. Hopefully it will go away. I will give it a good talking to this morning. :):)

Hope you enjoyed your drinkipoos :):)

Aw shucks ebayqueen you sound like such a nice person, your posts are always friendly and positive

And bah! to the snow - i hate driving in it too :eek::eek::eek: Very scary to do so i try and avoid it at all costs. Hope it clears up or you get some good gritters out

Hope all is well with you ebayqueen - are you all organised for xmas?

jwil wrote: »

Wow, you achieved loads DDFW. Well done on getting the big deep clean done, I bet it makes a huge difference to the house.

Yay to yummy biscuits!

ebayqueen - hope the snow doesn't last too long!

Ta jwil - i felt like i'd done lots and just have a few little jobs to get on with - a parcel to package (tomorrow), MS's now in order ready to input on comp (friday), A few pairs of shoes to move (tonight) - think thats mostly about it to maintain everything

I couldn't really relax as i was tackling some bits but i had a lovely sense of achievement :j:j

Am trying to keep up with my daily PADs now as this helped me loads earlier in the year

So far today been screened out of every survey i've been sent - even the ones i was told would take 5mins - yep 5mins later screened out

Just getting on with freebingo

Hope its been a good monday for all x

DedicatedDFW

There's also some money coming out of my bank account overnight but i can't see what this is for :eek: And i had to withdraw some money from the bank today - which i did as i assumed there was money in there - to put petrol in car which i'd already put in last week but got all used up going to garage

Off to bed and hopefully waking up to a better day

DedicatedDFW

Morning all

Well waking up to a better day ? Got up to the early xmas gift of my gas and electric bill :eek: Totally unexpected as i thought this was due in january and its not even something i budget for as my income is so low that it can't possible cover all my necessary outgoings

This simply means i'll cancel my plans of a night out again this week and focus on how to get more money coming in - Already checked for MS's and none i can apply for :think: but i guess i need something more instant than this now. - I will still do MS's but these last few months seem to have been me spending time looking for jobs and there being none there I think that the release times of jobs have changed - so before i'd be at home when jobs were made available - now i'm at work and they are all gone E-b*y in some ways would be good - except i've hardly anything to sell now and the comp is playing up so i can't get pics on bah!

In other unbudgetted money news i was informed at work on monday that we will be doing secret santa this year - lovely :rotfl::rotfl::rotfl: - ok i love christmas but i just see secret santa as a waste of money - its a £5 or £10 that i could use much better myself and i know its meant to be a 'bit of fun' but arrgh! i think we're drawing names out at some point this week - so then i'll have to start shopping round for something

Found out what the money was coming out of the bank - i had written it down in my spending diary after all :rotfl::rotfl::rotfl: so all ok-ish there - ok in the sense that i know what the money has been used for

Still feeling bleurgh! today - as i went to bed earlier but was then woken by the wind and hail stone - it really is so much louder with a broken window :eek:

Plans for today are p/t work, f/t work and then the same again tomorrow - i've already checked my banking for today

I'd best get a move on then - hope its a good tuesday for all xx

DedicatedDFW

MONEY IN
1st December ~ £20 p/t work (not yet received will be paid at eom)
1st December ~ £15 p/t work (forgot this yesterday :eek:)
1st December ~ £4 divi - PAID OUT to target 1
1st Dec ~ £6 money owed PAID OUT to gutter savings

2nd Dec ~ £20 in p/t work PAID OUT to target 1
2nd Dec ~ £240.12 credit refund from energy company PAID TOWARDS NEW BOILER Paid to car
3rd Dec ~ £10.70 last of free bingo wins

2nd Dec ~ usual payment to target 1 £40

So:

PADS
1st Dec ~ £10 (£6 gutters - from money owed) (£4 Divi - TARGET 1)
2nd Dec ~ £20 (p/t work TARGET 1)
2nd Dec ~ £40 (usual payment from wages TARGET 1)
3rd Dec ~ £15 (£15 p/t work TARGET 1)
3rd Dec ~ £10.70 (last of free bingo wins TARGET 1)
4th Dec ~ £16.61 (TARGET 1) Checked money going out + money due in and this is what i had left
5th Dec ~ £6.80 - (used my last free train ticket *sob* this is what i saved TARGET 1)
6th Dec ~ £3 (survey money TARGET 1)
7th Dec
8th Dec
9th Dec
10th Dec
11th Dec
12th Dec
13th Dec
14th Dec
15th Dec
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jwil

Oh darn, I wonder if that means I'm due a bill too, I was hoping it was going to be next month. Saying that, the meter reader was here yesterday so that probably means it's on the way. Marvellous!

Sorry to hear you've had a rough day yesterday, we've got secret santa too. Though we are not obliged to do it and can opt out if we wish.

The window must be a bit of a nightmare though. Can you not stuff the gap with something until it can be repaired?

DedicatedDFW

A very dull money post as i am trying to work out where it all scarpered to

MONEY IN
1st December ~ £20 p/t work (not yet received will be paid at eom)
1st December ~ £15 p/t work (forgot this yesterday :eek:)
1st December ~ £4 divi - PAID OUT to target 1
1st Dec ~ £6 money owed PAID OUT to gutter savings

2nd Dec ~ £20 in p/t work PAID OUT to target 1
2nd Dec ~ £240.12 credit refund from energy company PAID TOWARDS NEW BOILER Paid to car
3rd Dec ~ £10.70 last of free bingo wins

2nd Dec ~ usual payment to target 1 £40

7th Dec ~ £22.50 p/t work - train fare £3.60, £4.36 reduced meat,
8th Dec ~ money owed £15 - gutter
8th Dec ~ p/t work £15, £3.50 train

So:

PADS
1st Dec ~ £10 (£6 gutters - from money owed) (£4 Divi - TARGET 1)
2nd Dec ~ £20 (p/t work TARGET 1)
2nd Dec ~ £40 (usual payment from wages TARGET 1)
3rd Dec ~ £15 (£15 p/t work TARGET 1)
3rd Dec ~ £10.70 (last of free bingo wins TARGET 1)
4th Dec ~ £16.61 (TARGET 1) Checked money going out + money due in and this is what i had left
5th Dec ~ £6.80 - (used my last free train ticket *sob* this is what i saved TARGET 1)
6th Dec ~ £3 (survey money TARGET 1)
7th Dec ~ £14.50 (p/t work to TARGET 1)
8th Dec ~ £15 (p/t work to TARGET 1)
9th Dec ~ £5 (extra in wage - think tax was a bit more last month TARGET 1)
10th Dec
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14th Dec
15th Dec
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