Ultimate Challenge. 457 days / £16600!!!

Buffythedebtslayer

Orang-utan Sanctuary

*cries a little*

would love to go there!

*goes back to lurking*

NinjaSavingKat

I am so busy with work at the moment and need to crack on but will check back in later.... just stopping to say WOWEEEEEE Loveadove - what a trip! My aim is to be away for at least a year, use as many trains, buses and bicycles as possible and as little flights as possible....(did you see the guy on the Daily Snail who travelled for three years for free..?..)..

If it takes longer then so be it.. I refuse to be rushed. There is just to much to see. I need to free myself of the fear of doing things on my own (despite the Tran-Sib) but I always feel you have to be somewhat reserved if you are on your own - you can't just galavant off to the middle of nowhere and hope for the best.

I will be avoided India on my own due to recent issues. I will buy a motorbike where I can and just see where my gut feeling takes me and my camera...

Shelbi

Hi Everyone:wave:

Sorry ive been lurking and generally mia...hope everyone is well...this talk of travelling combined with this weather has me wishing for warmer climates and adventures..Kat the idea of travelling for the year sounds amazing & will be a well deserved treat for all your hard work..Im heading to India for work mid september, am tempted to get a cheap flight from there to Thailand after the trip just for a week as its cheaper to get there than if I were to fly from the uk. Still I guess that will depend on how much ive cleared & whether on target to be DF by e.o.y...Love the biking, bus & train idea it sounds like a fab plan!

Siouxsie32

NinjaSavingKat wrote: »

I will buy a motorbike where I can and just see where my gut feeling takes me and my camera...

Pack your nerves of steel and get a motorbike in Vietnam - without a doubt the craziest road system I've ever seen (note: not wishing to kill you off, just offering a suggestion for the ultimate adventure )

NinjaSavingKat

Siouxise it's on my list. They also have beautiful little bikes in Burma. I have managed central London as a trial run - :rotfl:... Wonder how far I could go on one with my backpack...Hmmmmm not you have me thinking!!

Siouxsie32

I love the planning stage of trips! Even if it's for someone else, it's still such fun working everything out. Central London is way more dangerous for a biker than the streets of Vietnam - there it's just scary but I don't think you're in [STRIKE]any[/STRIKE] much danger.

It sounds like there is lots of advice offered to you here so we can all join in with the adventure!

My day today went from elation to frustration! My loan was approved :j so I had a race against time when I received the cheques (made payable to my credit card companies - very sensible, if a little antiquated...who uses cheques these days?). Anyway, if I could get the cheque into the Halifax today, it will clear the day before next months statement is produced, saving around £220 interest. Hurrah, cheque paid in, receipt stamped, happy Siouxsie. Until....I got called back to be told that they will only accept bill payment by personal cheque. This was a company issued cheque. I called the credit card company and apparently it's true and there's no way round it. So I'll have to go back to my Credit Union on Monday to find a solution. Unless they can do a bank transfer I guess I'll be saddled with all the extra interest At least the debt's all moving in the right direction though. The end is in sight!!! Maybe I should start my own diary so I can vent/rant/obsess without clogging up your pages (you will all come and visit, won't you?)

Currently playing Million Pound Drop on my laptop - if only the money was real

killerpeaty

Hello all!

I have a floor! I have been sitting cross-legged on my floor everyday since clearing, hoovering and maintaining my floor! FLOOR! Not to brag, but I've even got my new rug down. :cool:
:rotfl:

Right-e-oh:
I hear talk of spending moneys on household wares; towelsand duvet covers. These aren't the cheapest I found but I wants them.

Isn't there something in dairy that the body needs? /clueless.

I have never been on an aeroplane. The last time I went on holiday was 4 years ago I think, though the family wants to go on holiday later this year. I'm a bit non-plused. I'd like to go to Russia and travel on the Trans-Siberian Railway. Or go to New York, London and Tokyo to see the stock exchanges in (relatively) quick succession. I'm too late to visit PokePark but I'd like to go to a themepark with characters I would recognise.

I was wondering what money/financial resources everyone used so I thought I'd share mine and see if you guys use anything different.
Money.co.uk; monevator; fool.co.uk; bbc new (business); the Guardian; and some others that I can't for the life of me remember right now.

Oh also http://bookboon.com/en/search?q=excel Free excel learning resources.

his_missus

Kat, after 5 cats I'm amazed I'm still married especially as little Harley has taken to sleeping under the duvet between Hubby's legs and as Hubby sleeps naked whenever Harley stretches in his sleep my Hubby gets clawed in his dangly bits :rotfl:

NinjaSavingKat

I have been calcumalating my pennies and playing some jiggery pokery with my spreadsheet...

I have calculated that accumulating my Mothers monthly £140 contribution in my high interest Nationwide account will amount to £1120 in December.

The amount deducted by my bankilicious by then will amount to £1487...

This leaves me with the grand amount of £2862 to find and pay off by the first of December...

Now I say December purely because if I wait until the END of December this is technically Januarys pay - or the pay I would have to rely on throughout January...

I am what is called an avid New Beginner-ist. . This is not a real word incase you are wondering - but its the best term I can derive from my absolute resolution to have certain loose ends tied up before the dawning of a new year.

I feel you should start as you mean to go on, don't drag bad financial bits into the new year - if you should have to you must reformulate a new plan and construct a strict regime and date at which you will rid yourself of the debt - this has to be written down though before the clock strikes twelve...

I must always have a new diary for the year in my posession before the clock strikes twelve....from planning!

If I am dating someone I know won't last the distance it has to end before the new year - because the new year means new beginnings...

These are my main gripes - but can you see why I need rid of this debt by the time the clock strikes twelve...? My mum doesn't like what I am doing - or more the way I am doing it. Working myself silly... but I should remind her she should blame Daddy! He instilled the determination telling me as I was growing up - "you can do anything you put your mind too"... So I am doing it with bells on...

The Great Anxiety = precedes my overtime requests being granted and extends itself throughout the month until I have those confirmation emails... I have had none for this coming weekend. I am not happy. I feel guilty if I am not working. Its a curse I hope travelling might cure. I am 30 and have been working like this since I was 17.. before Uni, during Uni and now afterwards. I can't break from it and relax...

So £1000 happy pounds off the loan this month and today is day 275.. which leaves 182 days until the end of the year... £30 per day.... I can't cut down my expenditure any more.

• I don't go out. Anywhere.
• I don't eat out. Ever
• I don't buy tea or snacks out.
• My travel money is set in stone.
• I pay for the cinema as my outlet.
• I pay for the gym but get it as a discount.
• I work everyweekend I can get.
• I budget my food and shop around.
• I have no times for online surveys
• I wash with soap as shower gels are usually to expensive.
• My cat is my entertainment...

I am aiming to add £800 onto the loan next month as I feel I may not have ANY overtime this month meaning the month after I will only be able to add £350 to the loan.. I need to balance this out.

It is folly relying on OT but its the only chance I have... I work to around 1500 each day having started at 0700.. sometimes I work until 1930-2000....

My ideal is a flexible job one evening a week for 4-5 hours, possibly monotonous but will secure me £50 a week.. I can stuff envelopes / deliver newspapers / walk a dog .. and I am tempted to advertise my services through an agency which I used to do.. Hmmmmmmm now theres a though....

I cannot finish this year with pennies from this loan hanging over - it HAS to be gone!!!

his_missus

Kat, have you thought about doing something like selling Avon or Betterware? I'm not sure how much time it takes up or how financially viable it actually is but some people do well out of it.

I tell you what the world needs (well I need anyway) a catalogue courier who delivers outside of the 9-5.30 timescale. Someone who will deliver in an evening or a Saturday morning when I'm home instead of always having to leave parcels with my neighbour.

I know you'll find someway to pay it all off xx