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

jwil

You're welcome Hope you've had a good day.

DedicatedDFW

Hi all - just letting you know i'm still here but this week was always going to be a heavy one - will update properly at the weekend if not before - hope you are all well and happy x

jwil

Glad you are ok DDFW

DedicatedDFW

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 ~ £5 TARGET 1
11th Dec ~ £5 TARGET 1
12th Dec ~ £5 TARGET 1
13th Dec ~ £38.79 eb*y TARGET 1
14th Dec ~ £5 TARGET 1
15th Dec ~ £5 TARGET 1
16th Dec ~ £5 TARGET 1
17th Dec
18th Dec
19th Dec
20th Dec
21st Dec
22nd Dec
23rd Dec
24th Dec
25th Dec
26th Dec
27th Dec
28th Dec
29th Dec
30th Dec
31st Dec

DedicatedDFW

Morning all

Well my hectic week has meant i've not been able to keep up with my finances as much as i'd like So this does mean i'll have to go over everything again this weekend to make sure there's enough in my account to cover the bills this month and up until the next payday.

i currently have nothing listed on eb*y due to my comp playing up so this is something i need to sort out. i have a small box of items to sell having decluttered absolutely everything and been selling items for quite a few years now so this will be the last things for quite a while now.

i bought a final xmas prezzie the other day so thats everything sorted out now - just all waiting to be wrapped :cool: - still not feeling very festive though..

i need to do myself a 'to do' list for the next few days - some calls STILL waiting to be done - i never have time for these with the hours i work so if i get a spare 15minutes and try and call and can't get through it keeps hanging over me and as they are all to 08 numbers i won't use my mobile for this

i also need to think about what i've achieved over the last year and what i what i want to achieve in the next 12months too. Debt Freedom being at the top of the list Which does leave me a little concerned at the amount i spent on food this week :eek::eek::eek: although i did get £123 worth of food (and maybe a single bottle of an xmassy drink for me) :beer: for £58 As the food was all reduced stuff rather than big expensive items i'm just looking on this as savings off future weekly shopping trips So i may have spent alot more now but i'll be spending less on shopping over the next few weeks :T

This is something i think i'll have to do - my cupboards are full, my freezer is full, the fridge is full - and there are still things i need for xmas - i like a traditional xmas tea :eek: To be honest though these things are full now but obviously we'll be using stuff all week - especially the fresh things so there should be some room next week for what i buy then :cool:

Going to make some brekkie now - got some reduced price sausages at the supermarket so a treat of a tasty breakfast is on the way

Hope you all have a good weekend x

jwil

That's a bargainous shop even if you did spend a bit more than usual! Well done! Hope you get some time to relax this weekend.

DedicatedDFW

So last week was a hard work week - and this week *should* be easier - provided i get myself organised

So what i need to do today is:~

1, PAD
2, Get work clothes and bag ready
3, Do washing, drying and move
4, shower and wash hair so i don't have to get up early to do it tomorrow
5, Wrap secret santa :mad: gift and put it in my bag so i don't forget it
6, Get OH to put my stuff back in car after he emptied it
7, Stash some xmas cards in my work bag just in case i forgot anyone
8, Sort out banking - 1 a/c
9, Sort out banking - other a/c
10, Write a list of what i need from each supermarket - would like to get everything in one place but even accounting for petrol (not much as everywhere is quite close together) its cheaper to go to the different ones
11, Make a cleaning list for the week so i am not running round like a madwoman on xmas eve :eek: - its so much easier now its all organised though - phew!
12, Put letter in bag for tomorrow - and post it!
13, Try and squeeze more clothes into wardrobe
14, Make tea and keep on top of pots :cool:

So that should do Still not been able to get pics onto comp but given the date i think i'll just leave eb*y until the new year as the bits i have to sell should go for more than 99p so i don't want to risk putting them on at that price and its just one small box i have left of things to sell - depending on the horrors i receive on xmas day :eek: :rotfl::rotfl::rotfl: - only joking


Well i've just snaffled a cake i've baked whilst having a cuppa :coffee: so i think i should get up and wrap the pesky secret santa gift, sort work bag and then shower - will see how i get on with my list

DedicatedDFW

So what i need to do today is:~

1, [STRIKE]PAD[/STRIKE] :j Done!
2, Get work clothes and bag ready almost - waiting of my pants in the dryer
3, Do washing, drying and move as above, washing done and dryer on
4, [STRIKE]shower and wash hair so i don't have to get up early to do it tomorrow [/STRIKE];) :j Done!
5, [STRIKE]Wrap secret santa :mad: gift and put it in my bag so i don't forget it[/STRIKE] :jJust got up to put it in my bag - Done! now
6, Get OH to put my stuff back in car after he emptied it
7, [STRIKE]Stash some xmas cards in my work bag just in case i forgot anyone [/STRIKE] :j Done!
8, [STRIKE]Sort out banking - 1 a/c[/STRIKE] A job i can easily do on the train so have put everything in my bag ready for this too
9, Sort out banking - other a/c - Need to make a start on this next
10, Write a list of what i need from each supermarket - would like to get everything in one place but even accounting for petrol (not much as everywhere is quite close together) its cheaper to go to the different ones oops not yet
11, Make a cleaning list for the week so i am not running round like a madwoman on xmas eve :eek: - its so much easier now its all organised though - phew! still need to do
12, [STRIKE]Put letter in bag for tomorrow - and post it![/STRIKE] :j Done! Except for the posting part obviously
13, [STRIKE]Try and squeeze more clothes into wardrobe [/STRIKE]:o :j Done! they still aren't all in there mind
14, [STRIKE]Make tea and keep on top of pots [/STRIKE]:cool: :j Done! and more pots to be done after i've finished my drink

Well not a bad start if i do say so myself The next and main thing for me to do is to make sure there is enough in my account to cover bills - i keep Padding and will probably be able to keep on top of this more next month - but as can be seen i'm aiming for a minimum of £5 extra per day - in addition to normal minimum payments - this sounds alot until you work out that at this rate i'll still be in debt for a very long time :mad:

I'm also hoping to have a bit of a relaxing time this evening too - maybe a film and a glass of red :beer: i know how to live don't i ? :rotfl::rotfl::rotfl:

jwil

You've had a very productive day DDFW, enjoy your film and wine tonight

ebayqueen_2

Hi DDFW

Havent got around to posting for a while. Not feeling 100% and can't shift this infection that I have. You are certainly getting plenty done and you are well organised.

I am having all groceries delivered bar the turkey etc. So am reasonably organised. Am calling with best friend today with their presents and am looking forward to that.

Hope you enjoyed your wine :)

Take care DDFW
E