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10 positive steps a day challenge - 2012
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:):):):):) 6 for me yesterday, adding these does make me smile!!!!
Today I will mostly be -- Bi annual hair cut
- walk dog x 3
- go to Drs appt
- take neighbour to his Drs appt
- Do the school run for a friend
- contact occy health at work
- contact human resources at work
- have wizz around with the frozen mop from outside BRRRRR
- sand down the stairs
- clean inside of car
I didn't think I'd get to ten today but there you are, they soon build up.
I'm going to have a go at making some vintage dolls so I'll spend some time today researching that.
Happy FFFFFFFriday :Tvintage43:A
NSD 42/365 2012
- A new start for a newbie
Next - £1033.62Barclaycard - £5683
Mortgage - £125471
Overdraft - £903:eek::(Loan £3562 -
Total Debts = £10179 Monthly shopping £100 spent so far £12.65
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Have been overpaying the mortgage because we have such limited equity and are stuck on a punitive rate, after January's payment and phoning to check, we can finally move to a better (1.4% better) product with no fees. As we have a £150k mortgage, that's a saving in interest alone of £2100 a year (not quite actually as repayment).
The payments we diverted from cards to achieve it are now proved well worthwhile.
Challenge 1 : Remortgage to better rate - ACHIEVED FEB
Challenge 2 : Pay off two debts (net) by December - Ongoing
Challenge 3 : Go a whole month without alcohol - ACHIEVED JAN 31
Challenge 4 : Find a new job : Ongoing
Challenge 5 : Take Lunch to work more than 3 times a week - Ongoing (Jan was a full house!)
Challenge 6 : Find a seamstress to modify bargain bucket clothes - Achieved, but not tested yet
Challenge 7 : Empty jingle jar and overpay a card - ACHIEVED (over £120 !!!)
Challenge 8 : Improve driving efficiency by 10% - Monitoring/Ongoing, but decluttered to ensure minimum weight already
Challenge 9 : ALWAYS remember to check cashback sites before purchasing online - Ongoing
Challenge 10: Overpay all remaining bank account cash the day after payday - Ongoing
Great start to the year!!
Good luck to everyone with their personal challenges and goals for 2012.Like all revolutions, guerrilla goodness begins slowly, with a single act. Let it be yours.
Practice random acts of kindness and senseless acts of beauty.0 -
I'm just as nosey as you FC - here is a link to our 'cubes' :rotfl:
http://www.ikea.com/gb/en/catalog/products/00208646/
Boy can my daughter make one untidy!
Oooooooh i likie likie hahahaha I have been trying to think about the best way to store all my different craft things - that looks like it would be goodthough i'm trying to find something that would fit on top of my wardrobes as i have loads of unused space up there - decisions decisions :rotfl:
Debt at Aug 2010 (LBM) £21,908.86, Debt Freeeeee Date 4th Nov 2013 :j:j:j Massive Thanks to the £10 per day thread :A Next goals:Savings £1203.16/£10,000******Mortgage to Zero: £52,579.46 to go
Feb Earnings: £711.20/£500 March: £434.41/£500Currently compiling an A-Z of earning sites and happy to share it0 -
Have been overpaying the mortgage because we have such limited equity and are stuck on a punitive rate, after January's payment and phoning to check, we can finally move to a better (1.4% better) product with no fees. As we have a £150k mortgage, that's a saving in interest alone of £2100 a year (not quite actually as repayment).
The payments we diverted from cards to achieve it are now proved well worthwhile.
Challenge 1 : Remortgage to better rate - ACHIEVED FEB
Challenge 2 : Pay off two debts (net) by December - Ongoing
Challenge 3 : Go a whole month without alcohol - ACHIEVED JAN 31
Challenge 4 : Find a new job : Ongoing
Challenge 5 : Take Lunch to work more than 3 times a week - Ongoing (Jan was a full house!)
Challenge 6 : Find a seamstress to modify bargain bucket clothes - Achieved, but not tested yet
Challenge 7 : Empty jingle jar and overpay a card - ACHIEVED (over £120 !!!)
Challenge 8 : Improve driving efficiency by 10% - Monitoring/Ongoing, but decluttered to ensure minimum weight already
Challenge 9 : ALWAYS remember to check cashback sites before purchasing online - Ongoing
Challenge 10: Overpay all remaining bank account cash the day after payday - Ongoing
Great start to the year!!
Good luck to everyone with their personal challenges and goals for 2012.
Ohhh well done anh on what you have achieved so far - the mortgage one esp sounds like it took a bit of working on but really well worth the effort!
It sounds like you have really got into the MSE way of thinking too - its great how this site can help change little habits and help to save money at the same time!
Hopefully you will let us know what wee things you manage to do each day to help you achieve your goals as well - we might all pick up some tipsDebt at Aug 2010 (LBM) £21,908.86, Debt Freeeeee Date 4th Nov 2013 :j:j:j Massive Thanks to the £10 per day thread :A Next goals:Savings £1203.16/£10,000******Mortgage to Zero: £52,579.46 to go
Feb Earnings: £711.20/£500 March: £434.41/£500Currently compiling an A-Z of earning sites and happy to share it0 -
Wow i had a really productive day yesterday and earned 9
for things done off my list, how cool is that!!
thats the most i have managed in a day since feeling really low there last week!
Hopefully i will keep my productivity levels and smilies up again today while i work on the remaining items on my list and a few new ones:
1. boost swaggers points to 450 - i'm on 401 so hopefully i will make it today
2. contact aviva - got a weird letter from them yesterday so need to find out what they on about
3. sort out a $ cheque to get cashed - even if i just get the envelope written today that will be a step in the right direction with this one :rotfl:
4. Contact mortgage co to ask for monthly statements if possible
5. find brush set and bag for orders
6. look for ppi paperwork - where on earth have i put this??? I know its in a folder somewhere??? lol
7. look for postal receipts for ebay things that 'went missing in the post'. First part of this one is to write a list of the things that went missing and the relevant postcodes - again i will try to do this bit at least today.
8. check postage cost for fb sale and email buyer
9. contact esa about all the info i sent them and i need back to include in appeal
10. start to write my reasons for appeal so i can take it with me to help me remember what to say.
11. phone for bone scan results
12. do some of my craft things to help me relax.
13. try and complete a survey for my survey a day challenge
14. do superpoints clicks
15. update earning blog.
Lets see how i get on with these today - i want lots more smilies lol!!
Hope you all have a very smilie Fridayxxx
Debt at Aug 2010 (LBM) £21,908.86, Debt Freeeeee Date 4th Nov 2013 :j:j:j Massive Thanks to the £10 per day thread :A Next goals:Savings £1203.16/£10,000******Mortgage to Zero: £52,579.46 to go
Feb Earnings: £711.20/£500 March: £434.41/£500Currently compiling an A-Z of earning sites and happy to share it0 -
fairyclicks wrote: »Wow i had a really productive day yesterday and earned 9
for things done off my list, how cool is that!!
thats the most i have managed in a day since feeling really low there last week!
Hopefully i will keep my productivity levels and smilies up again today while i work on the remaining items on my list and a few new ones:
1. boost swaggers points to 450 - i'm on 401 so hopefully i will make it today - now up to 439 - will keep working on it
2. contact aviva - got a weird letter from them yesterday so need to find out what they on about - done but they have no idea what is going on either and have to ring me back
3. sort out a $ cheque to get cashed - even if i just get the envelope written today that will be a step in the right direction with this one :rotfl: - Done :j just need to post it now
4. Contact mortgage co to ask for monthly statements if possible - done - good news is i should be back on top of this but end of the month
5. find brush set and bag for orders
6. look for ppi paperwork - where on earth have i put this??? I know its in a folder somewhere??? lol
7. look for postal receipts for ebay things that 'went missing in the post'. First part of this one is to write a list of the things that went missing and the relevant postcodes - again i will try to do this bit at least today. done the list - 10 things went 'missing' and ebay kindly refunded my buyers for me - god i hate that site :mad:
8. check postage cost for fb sale and email buyer - done :j
9. contact esa about all the info i sent them and i need back to include in appeal - done :j just hope they send it out now
10. start to write my reasons for appeal so i can take it with me to help me remember what to say.
11. phone for bone scan results
12. do some of my craft things to help me relax.
13. try and complete a survey for my survey a day challenge - done :j
14. do superpoints clicks - done :j
15. update earning blog. done :j
Lets see how i get on with these today - i want lots more smilies lol!!
Hope you all have a very smilie Fridayxxx
Also managed to boost Toluna points by 500going to make that a daily target as well now.
Right off to try and face the ebay postage issues :eek: wish me luck :rotfl:Debt at Aug 2010 (LBM) £21,908.86, Debt Freeeeee Date 4th Nov 2013 :j:j:j Massive Thanks to the £10 per day thread :A Next goals:Savings £1203.16/£10,000******Mortgage to Zero: £52,579.46 to go
Feb Earnings: £711.20/£500 March: £434.41/£500Currently compiling an A-Z of earning sites and happy to share it0 -
Wow FC that's a long list! Good luck with it :beer:
I had a fab day with my friend yesterday and managed 1 smilie because I was out for so long!Sig Updated
I've had a rocky start to today but I'm still going to list 10 as my husband is now home from work and we can do things together :dance:- File some 'kept' paperwork Done
- De-clutter Governor paperwork
- Empty another 'cube'
- Check e-mails Done
- Sort ebay items to list Done
- Photograph ebay items Done
- List ebay
- Start memory boxes Done
- Compile medical file
- De-clutter more paperwork
"One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."0 -
Good morning everyone :wave:
As always I'm an early riser although 5.45am for a Saturday morning was a little early even for me :eek:
5 smilies for me yesterday:D:D:D:D but I have to admit to looking forward to the day I achieve 10 (now that would be an outbreak of different smilies
)
I can't decide whether to make a last minute dash to Newcastle today to see my beautiful DD1 if last minute Alfie Boe tickets are released (he is performing at The Sage tonight) Fingers crossed that they are, I can get some and the decision is done and dusted
So here is my wish list for today- Shop at Morrisons - I have a save £6 wys £40
- Pull sofas out and vacuum
- Prune and tidy front garden
- De-clutter Governor paperwork
- Empty another 'cube'
- List ebay
- Compile medical file
- De-clutter more paperwork
- Ring and try to get better competitive payments for electric and home/building insurance
- See Alfie Boe tonight :happyhear :dance: :dance: :dance: Oh yes - he was amazing
"One hundred years from now, it will not matter what kind of car I drove, what kind of house I lived in, how much was in my bank account, nor what my clothes looked like but the world may be a little bit better because I was important in the life of a child."0 -
Xandersmum wrote: »
Tomorrow I want to:- List 5 things in my Ebay shop Nope
- Schedule 5 second hand bits for sunday in case of free listing weekend nope
- Write a DY review half done
- Clean the kitchen sides and hob top sides done
- Get my SB up to 3000 (currently 2933)
- Do another paid survey
- Check another pile of books against Amazon trade in and Zapper
- Send missing item form to Play for Christmas present that still hasn't arrived well i've printed it off
- Make small payment off my holiday balance nope
- Put Music Magpie cheque in the bank nope
Dreadful Day, DH is even worse so been running round after him all day, and after nagging him to go to the docs he finally decides he's sick enough to go today which is bound to equal hours up the walk in centre!! I'm going to do a list for the weekend if that is ok - Will think about my aims while waiting an age in the docs!!
Make £10 a day June 103.04/300
Declutter 2018 in 2018 3/2018
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Xandersmum wrote: »Dreadful Day, DH is even worse so been running round after him all day, and after nagging him to go to the docs he finally decides he's sick enough to go today which is bound to equal hours up the walk in centre!! I'm going to do a list for the weekend if that is ok - Will think about my aims while waiting an age in the docs!!
Aw will be thinking about you sitting there - i hate that having to wait for hours bit toobut hopefully DH will be seen reasonably quickly and will get better soon as well!
Don't forget that you did actually achieve things yesterday despite having to run after DH all day - so a big WELL DONE!!! for that
xxxDebt at Aug 2010 (LBM) £21,908.86, Debt Freeeeee Date 4th Nov 2013 :j:j:j Massive Thanks to the £10 per day thread :A Next goals:Savings £1203.16/£10,000******Mortgage to Zero: £52,579.46 to go
Feb Earnings: £711.20/£500 March: £434.41/£500Currently compiling an A-Z of earning sites and happy to share it0
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