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

DedicatedDFW

Hi Everyone :wave:

I finally decided to start my new diary!! I was just too excited to wait any longer and I also have far too much to keep track of too - all of which I wanted on my new diary rather than my old one - so instead of waiting until New Years Eve - because i'm rock and roll like that I'm posting now

I've been around the boards a while - initially starting out just reading and trying to pick up some hints, eventually joining in and posting a few replies before finally starting my own shiny new diary This will be my third diary and i do still have debt to clear as well as a huge mortgage for a tiny house which i am trying to pay down!

This past year has had its ups and downs for me - some really tough times that i wouldn't want to go through again - i found the support of the people on here invaluable especially the lovely jwil and that was a huge help for me The tough times are a big part of the reason i want to leave my old diary behind and start afresh with a re-newed and re-vised focus :cool:

I really want to try and always focus on the positives in this coming year - i have set myself a fair few goals and will use this diary to keep track on how i am doing on them I am a bit of a list person but they do work really well for pushing me into doing things!

So i'm going to jot down in the next few posts my sig from the end of this year, my goals, a post to keep track of how i'm doing on the goals and a post to keep track of my mortgage overpayments

DedicatedDFW

TARGET 7 OD: £1500 £1030
POAMAYC challenge 2012 : £14187.49/£17,000 92% PAID 82% POAMYC 2012

£10 A DAY: J 315.77 F £2526.48 M £603.37 A £260.18 M £305.36 J 667.04 JUL 405.50/620

WEIGHT LOSS CHALLENGE /28LBS

PAID IN FULL £23,880.86 13971.79 S/L 4257.64 29/08/12

DedicatedDFW

PLOTTINGAND PLANNING FOR THE YEAR!

1, NSDS - Aim for 305 NSDs this year :eek:

OK, what i’m going to count as an NSD will notbe the same as what everyone else would count. I have numerous (essential) DD’sspread out over various days. I am not going to count the DD’s as a spend. Thewhole idea behind this challenge is to cut down on unnecessary expenditure –the DD’s are an essential payment that can’t be avoided. Other essential spendswhich will not be counted are: - the weekly food shop (although any top-upshops will be counted), petrol and train fare –essential to get me to work andthe train costs are cheaper to pay per day.



2, No more than 12 bought lunches / snacks /treats in the year = a maximum of 1 a month really as a treat. This has been amajor downfall for me – a huge drain financially on money that could be used onother things: - mortgage overpayment, treats etc. It stops now! Its anunnecessary waste and with forward planning:- soups in drawer etc. There is noneed for it!



3, Save all Amazon vouchers for either: gifts orlarge item – NO FRIVOLOUS SPENDING OF THESE. Complete all reasonable surveys tosave towards this and keep sig updated. If used for gifts or a large item thatsneeded then this will also help with NSD / Mortgage overpayment etc. :dance:



4, Clothing budget – i need a budget otherwisei’ll just spend! I hope to come in way under budget. I need to remember to buyonly what i *need* but that i must love it too :smileyhea

5, In line with the clothes budget i am tryingto avoid frittering on costume jewellery by putting the money i would havespent on an item into savings and then seeing what i have at the end of theyear – anything i have saved i can then use for a proper treat of somethingthat is real gold

6, Running Target 1000k in a year. I need to addthis to my sig so i can keep track /1000k. Ideally i’d like to smash this target!Start with 1st 5k run on the 1st. Hoping this will help1, up my fitness and therefore my health, 2, push the distance i am runningfrom 5k to 10k, 3, eventually building up to half marathon / marathon :j



7, Study – complete course and apply for final module. :think:

Complete NVQ. :think:

8, Start regular savings.

Aim is for £10,000 in savings by the end of theyear. :j



9, Overpay on the Mortgage by £20,000 by the endof the year. Currently overpaying £200 month = £2,400 + £57.

Any money made from the bay of e to be paiddirectly to this.

Any MS’s pay to this as soon as the money is inthe account.

If wages increase / new job – immediately paythe difference to this upon receipt. :j



10, Apply for any appropriate new job – keep CVup to date and check for new job on a regular basis.

11, List all the jobs that *need* doing on thehouse. Go around each room and write a list of each individual item needed andlist all items needed as in: All windows need to be replaced (large job)Utility room = (window), new vent cover etc. Then put a POA in place – thehouse needs to be alot more finished towards the end of the year as each jobbeing done, though hard at the time, will make the house much nicer to live in.

12, 365 item declutter – to be added onto my sig/365. Make my life more streamlined and easier by getting rid of all the thingsi don’t need at a rate of 1 item a day :T

13, Keep up with date night each month :smileyhea


14, Read 1 book a month – to include 1 poetrybook :cool:


15, Batch Cooking: - to make teatime cheaper andeasier. Saving money by bulking out food and not buying easy food just becauseits easy. Dingle portions can also be put into my food flask for work


16, HEALTH – a major priority. I need to keep upwith my tablets, go for appointments when they’re required and ensure i get allailments / complaints checked out. Also i need to maintain a healthy eatingregime – no more drinking during the week after a tough day in work! No morecomfort buying of food (waste of money anyway!) and no more comfort eating ofjunk! Of course i will be eating cake, biscuits, chocolates still but not dueto boredom / comfort eating etc. But as a treat and in moderation


17, Spanish! I have taken a course on this andgot a self-learning book / cd. I want to have more structure to my days so iwant to introduce mini lessons – maybe 1 hour at a time working out at 40minutes learning? Must dig out learning stuff and work on timetable :cool:


18, Clarinet – my MR very sweetly bought me abook to, again, help me to teach myself. Good idea to initially get myselfgoing before lessons. I don’t want him to have wasted his money and i really dowant to learn. Something that is just for me and for me to enjoy

19, The Debt!!! Clear at £120 month and keep track e.g o/d 1500 - 120 = £1380 and i cannot go past this before the next months wages

DedicatedDFW

PROGRESS ON PLOTTING AND PLANNING FOR THE YEAR!

1, NSDS - Aim for 305 NSDs this year. jan 25/31 feb 16/28 mar 19/31

2, No more than 12 bought lunches / snacks /treats in the year 1/jan 3/feb:eek: 2/mar :eek: /apr /may /jun /jul /aug /sep /oct /nov /dec

3, Save all Amazon vouchers £30 current total

4, Clothing budget £600

5, Jewellery jar

6, Running Target 1000k in a year.. 40/1000k

7, [STRIKE]

[STRIKE]Study – complete course and apply for final module. [/STRIKE] Done! :j

[STRIKE]MARCH contact re. final module. [/STRIKE] Done! :j

TMA1 DONE! TMA2 DONE! TMA3 DONE! TMA4
DONE! TMA5 DONE! TMA6 DONE! EMA DONE![/STRIKE] :j



Complete NVQ. 1hour done and 1 exam booked in 17/01.
20pages of workbook to complete 5 pages done 22/01/2013
28 pages of workbook 2 to complete
- 10 done 27/01/2013
up to page 11 29/01/2013
drafted up to 15 30/01/2013
DONE! 1 workbook 1 to do
12 pages of 35 Done! 19/03/2013
Workbooks completed 14/06/2013
2 exams completed 14/06/2013
3 exams completed 28/06/2013


8, £10,000 in savings by the end of the year
27/12/2012 paid £200 = £500 total 5%
24/02/2012 paid £100 = £600 total

9, Overpay on the Mortgage by £20,000 by the end of the year

10, Get a New Job! Jan - CV submitted with 3 agencys! June - complete re-write / re-format of CV 4 places to apply in july

11, House jobs: Room at a time:
External on house: - New guttering and boards.
Painting with waterproof paint.
Garden: JUNE - spend the full month working in the garden, clearing overgrown plants that need to go, weeding, sort out trellis back to side storage, check side storage area any work needed here? tidy all pots etc. away.
Neighbours trees to be cut back :mad:
New gate
Sign on drive
House: all windows replaced
external doors to be replaced
internal doors to be replaced

New Bathroom:- to include, new tiles, new ceiling, new lights, new window, new radiator, new door (door only item to be done later on)
Spare Bedroom:-

12, 365 item declutter A = Amazon C = carboot, E = Ebay, G = given away T = Thrownaway as non salvageable or completely used up 1, c cardigan, 2, c dress 3, e dress 4, a book 5, t pj bottoms 6, t pj top 7, t glasses 8, t glasses case 9, t pj bottoms 10, c bag 11, e bag 12, c bag 13, e bag 14, c tin 15, t tub of leg cream 16, t tub of foot soak 17, c scarf 18, c scarf 19, c scarf 20, t leggings ruined by hairdresser 21, c hat 22, c hat 23, c scarf 24, c gloves 25, c belt 26, c belt 27, t slippers too big (were a gift & worn 1yr) 28, e boots 29, e baseball boots 30, c shoes 31, c shoes 32, t cream 33, e shoes 24, c cardigan 35, e jumper 36, e skirt 37, e skirt 38, e top 39, t cream 40. e skirt 41, e skirt 42, e purse 43, t cream 44, c cardi 45, t glasses case 46, g boots 47, c scarf 48, t leggings 49, g cream 50, g spray 51, g spray 52, e purse 53, t broken ceramic container 54, t top 55, t top 56, e top 57, e top 58, c top 59, c top 60, c shorts 61, t socks - beyond any repair 62, t pj bottoms material not suitable for anything else 63, t bra 64, e top 65, e top 66, e jumper 67, e trousers 68, e leggings 69, e belt 70, e braces 71, e leg warmers 72, e shoes 73, e bag 74, e leggings 75, e dress 76, c cushion 77, c cushion 78, e top 79, e top 80, e top 81, e top 82, e top 83, e top 84, e top 85, e top 86, c skirt 87, c top 88, c top 89, c top 90, e jumoer 91, e jumper 92, e jacket 93, c mp3 player 94, c mp3 holder 95, g bundle of coathangers 96, t ruined clothes cover 97, t cream finished 98, e jacket 99, e jacket 100, e gilet 101, e shoes 102, c jumper 103, g dry shampoo 104, c bulb 105, e dress 106, c ring (costume jewellery) 107, c clip-chain 108, e book 109, e book 110, e book 111, e book 112, e book 113, e book 114, g dry shampoo 115, e trainers 116, e dress 117, e coat 118, e jeans 119, c flowerpress 120, c suitcover 121, e baseball boots 122, e sandals 123, c 'sewing machine' 124, e necklace 125, c book 126, c necklace 127, c earrings 128, c earrings 129, c necklace 130, c earrings 131, c earrings 132, c bracelet 133, c ring 134, e necklace 135, e necklace 136, e necklace 137, e necklace 138, e bracelet 139, t flower 140, t flower 141, t dry shampoo 142, g moisturiser 143, e book 144, e swaorski 145, c boots 146, 147, e shoes 148, t bra 149, g cream 150, g powder 151, g perfume 152, g nightie 153, e bra 154, e boots 155, g earrings 156, e necklace 157, e brooch 158, t sim 159, g necklace 160, c keyring 161, c keyring 162, e necklace 163, e necklace 164, e bracelet 165, e bracelet 166, e necklace 167, e belt 168, t clear wallet no use for anyone 169, t underwear 170, t old card 171, t b book 172, t b book 173, t b book 174, t b book 175, t b book 176, t b book 177, t b book 178, t b book 179, t b book 180, e scarf 181, e postcard 182, c mat 183, t underwear 184, e postcard 185, c sweatband 186, e feathers 187, e material 188, e material 189, e material 190, e material 191, e material 192, c pens 193, c pens 194, e material roll 195, e material roll 196, e teddy 197, e teddy 198, e teddy 199, e teddy 200, c teddy 201, c teddy 202, c teddy 203, c teddy 204, c ribbon 205, c ribbon 206, c cotton 207, c cotton 208, c cotton 209, c lace 210, e lace 211, c teddy 212, e craft item 213, t underwear 214, g craft item 215, e record 216, e record 217, e trainers 218, e scarf 219, g bobble 220, t cream 221, t cream 222, t cream 223, t cream 224, t cream 225, g cream 226, g cream 227, g cream 228, g cream 229, g cream 230, g cream 231, g cream 232, g cream 233, g cream 234, g nail polish 235, t underwear 236, t underwear 237, g clip 238, g clip 239, g clip 240, e tights 241, e tights 242, e tights 243, c eyemask 244, c eyemask 245, c plastic wallet 246, e bag 247, e socks 248, c eyemask 249, c eyemask 250, c basket 251, c wool 252, c wool 253, c bag 254, c wool 255, c wool 256, c wool 257, c wool 258, e wool 259, e wool 260, e wool 261, e wool 262, e knitting pattern 263, e knitting pattern 264, e knitting pattern 265, e wool 266, e wool 267, e wool 268, e wool 269, e wool 270, e wool 271, e wool 272, c beads 273, c beads 274, c beads 275, c beads 276, c beads 277, c beads 278, c beads 279, e book 280, e hoop 281, e hoop 282, e hoop 283, e hoop 284, e needle sizer 285, e thread 286, e thread 287, e thread 288, e thread 289, e thread 290, e thread 291, e thread 292, e thread 293, c nail polish 294, c nail polish 295, c nail polish 296, c nail polish 297, c comb 298, t separators 299, t hairclip 300, t hairclip 301, t hairclip 302, t hairclip 303, t hairclip 304, e make-up bag 305, c instrument 306, c instrument 307, c instrument 308, c instrument 309, c picture 310, e display case 311, e football 312, e sign 313, c instrument 314, c instrument 315, g storage box 316, g storage box 317, g storage box 318, e record 319, e record 320, e record 321, e record 322, e record 323, e record 324, e record 325, e record 326, e record 327, e record 328, c instrument 329, e game 330, c toy 331, c toy 332, c ornament 333, c jar 334, c clock 335, c ornament 336, e ornament 337, c equipment 338, c equipment 339, e make-up bag 340, e bag 341, c picture 342, c picture 343, c picture 344, g book 345, g toy 346, t pen 347, t mascara 348, c picture 349, c dish 350, c toy 351, e ornament 352, t battery 353, t battery 354, c toy 355, c toy 356, c toy 357, c toy 358, c toy 359, c toy 360, c toy 361, c toy 362, c toy 363, t bag 364, t bag 365, t bag 366, t bag 367, c ornament 368, c ornament 369, c throw 370, c cushion 371, c ornament 372, c photo album 373, c photoalbum 374, c photo album 375, c book 376, t pen 377, t pen 378, t pen 379, t pen 380, c picture frame 381, e dress 382, c earrings 383, t card 384, t sim card 385, t sim card 386, t sim card 387, t sim card 388, t card 389, t card 390, g picture 391, t card 392, t card 393, g sticker 394, c book 395, c toy 396, c ornament 397, c ornament 398, c ornament 399, c ornament 400 - 534, threads 535, c ornament 536, c ornament 537, c ornament 538, t sim 539, c photo album 540, c writing set 541, c dvd 542, 543, c folder 544, c eraser 545, c eraser 546, c eraser 547, c eraser 548, c eraser 549, c eraser 550 - 585 t folders, 586, ruler 587- 598 c knitting patterns 599, c notebook 600, c notebook 601, c pot 602, c exercise equipment 603, c exercise equipment 604, c football 605, t pen 606, t pen 607, t pen 608, t pen 609, c ornament 610 - 660, c mini ornaments, 661-681, t pens 682, t folder 683, t folder 684, t broken jewellery box 685, c board 686, c board 687, c board 688, c frame 689, t folder 690, t folder 691, t folder 692, c air freshener 693, t folder 694, t folder 695, t folder 696, t folder 697, t top 698, t old disc 699, t folder 700, c connector 701, c connector 702, c book 703, c book 704, c book 705, c booklet 706, c coasters 707, g hat 708, c ornament 709, c toy 710, t shampoo 711, t cream 712, t cream 713, t cream 714, c sunglasses 715, c mirror 716, g tub 717, e shorts 718, e shorts 719, e shorts 720, e jumper 721, e skirt 722, e shorts 723, e leggings 724, c boots 725, t pj top 726, t pj bottoms 727, t underwear 728, c leggings 729, e leggings 730, e leggings 731, e shorts 732, c nail polish 733, g nail polish 734, g colour hairspray 735, e ticket 736, e ticket 737, g make-up set 738, g mascara 739, g foundation 740, e dress 741, e dress 742, e dress 743, e dress 744, e dress 745, e dress 746, e skirt 747, e jacket 748, e dress 749, e dress 750, e jeans 751, c iron 752, g jeans 753, e playsuit 754, e top 755, c top 756, g make-up 757, t eyeliner 758, e leggings 759, e leggings 760, t cream 761, t hairspray 762, c bag 763, c bag 764, c toy 765, c toy 766, c toy 767, c top 768, t hairspray 769, c top 770, c top 771, c top 772, g top 773, t pen 774, t pen 775, c bag 776, c bag 777, c bag 778, e top 779, 780 - 805, c books, 806, e dress 807, e dress 808, t shoes 809, c bag 810, e postcard 811, e postcard 812, c hat 813, phone holder 814, t bag 815, t bobble 816, g make-up set 817, g make-up set 818, g soap 819, e box 820 - 832 e boxes, 833, t cream, 835, t shower cap, 836, t shower cap, 837-840, c nail polishes 841- 859 c make-up 860, g brush 861, c nail polish 862, c nail polish 863, c nail polish 864, c nail polish 865, c hair acsessory 866, c hair accessary 867, c hair accessary 868 - 888 g manicure stuff, 889, r necklace 890, r bracelet 891, t hairspray 892, t bag 893, t shoes 894, e skirt 895, e skirt 896, g bag 897, e skirt 898, e skirt 890, e skirt, 891, e skirt 892, c straighteners, 893, e bag 894, e bag 895, e bag 896, e purse 898, g craft 899, g craft 900, g craft 901, g craft 902, g craft 903, t jeans 904, t jewelerry box 905, t jewellery box 906, t bag 907, e jeans 908, e necklace 909, g earrings 910, g earrings 911, g earrings 912, g earrings 913, g necklace 914, g cream 915, g bracelet 916, e bracelet 917, e dress 918, e dress 919, e dress 920, e socks 921, t socks 922, e clip 923, e clip 924, e clip 925, e cuff 926, e cuff 927, e gloves 928, g gloves 929, e tie 930, e tie 931, e gloves 932, g gloves 933, e hat 934, e shawl 935, t dress 936, e gloves 937, g gloves 938, t socks 939, t socks 940, g gloves 941, g gloves 942, e hat 942, e hat 944, e belt 945, e snood 946, 947, 948, 949, 950, 951, 952, 953, 954, 955, 956, 957, 958, 959, 960, 961, 962, 963, 964, 965, 966, 967, 968, 969, 970

13, Keep up with date night each month
jan = meal out just the 2 of us But i was really poorly and this spoiled it - might try for a freebie night out later on this month... not possible!
feb - movies :T
march - [STRIKE]free ish meal planned [/STRIKE] My mr took me out for a delicious meal and he has also treated me to tickets to a gig :smileyhea
May - meal out - mostly free as paid with vouchers

14, Read 1 book a month – to include 1 poetrybook
Got the whole series of a song of ice and fire so will start with the first one. Jan: - A Game of Thrones Romesh Gunesekera Reef, B out of California Dorothy Allinson, Anil's Ghost Michael Ondaatje, interpreter of maladies jhumpa lahiri, In Country Bobbie Ann Mason,

15, Batch Cooking 29/12 bulked out tea = an extra meal for 2 in the freezer, JULY working on clearing freezer to create room for meals

16, look after my health
Finally went to doctors 27/12/12 i wouldn't have gone if it wasn't on this list So i have some tests to have done and then we'll see - it won't be anything serious so please don't worry its just an ongoing health issue that i've not got round to getting resolved. 04/01/13 tests done await the results and next appointment already booked Go To Appointment and push for referral!!
Referral - at the hospital in the next couple of months
Currently breakfasting everyday :T
Drinking 2l water a day

17, Learn more Spanish jan 6th - lifted book & cd's out. read introductory chapter and then spent ages getting cd's onto kindle / ipod ready to listen & learn as i travel now DECISION TAKEN - intensive learning to be done at end of ou course

18, Learn to play the Clarinet

19, The debt

20, The 52wks Savings Plan 2/52

21, Go through Study Skills book ready for course then sell

22, Complete book skills for success

23, complete other skills for success book & cd

24, [STRIKE]happiness book - complete or sell - decide [/STRIKE] Done! Decided to sell :cool:

25. mannequin

SUMMER!

MAY - [STRIKE]life admin file to be done - Between end of module and June [/STRIKE][STRIKE]
lift out all folders and go through each piece of paperwork in life-admin stuff.

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DedicatedDFW

Mortgage Overpayments. Target £20,000

26/12/2012 Paid £40 which was received as Xmas gift money £40 (Total paid = £40 = 0.2%)

27/12/2012 Paid £218.90- usual payment of £200, no need for petrol this week £10, £5 change from shopping, £3.90 not catching train (Total paid = £40 + £218.90 = £258.90 1.29%)

28/12/2012 Paid £42.27 - MS money came in (usually keep this as its a re-imbursement but its come so late that i'll class it as extra money) (Total paid = £42.27 + £258.90 = £301.17 1.50%)

24/01/2013 £200 usual overpayment (Total paid = £501.17)

22/02/2013 £200 usual overpayment (Total paid = £701.17)

21/03/2013 £200 usual overpayment (Total paid = £901.17)

18/04/2013 £200 usual overpayment (Total paid = £1101.17)

16/05/2013 £200 usual overpayment (Total paid = £1301.17)

01/06/2013 £174.51 overpaid (Total paid = £1475.68)

13/06/2013 £200 usual overpayment (Total paid = £1675.68)

11/07/2013 £200 usual overpayment (Total paid = £1875.68)

08/08/2013 £200 usual overpayment (Total paid = £2075.68)

09/08/2013 £1.81 tt (Total paid = £2077.49)

10/08/2013 £1.38 tt (Total paid = £2078.87)

11/08/2013 £1.02 tt (Total paid = £2079.89)

12/08/2013 £1.95 tt (Total paid = £2081.84)

13/08/2013 £1.10 tt (Total paid = £2082.94)

14/08/2013 £1.00 tt (Total paid = £2083.94)

15/08/2013 £1.00 tt (Total paid = £2084.94)

16/08/2013 £1.00 tt (Total paid = £2085.94)

05/09/2013 £200 usual o/p (Total paid = £2285.94)

20/09/2013 £50 extra (Total paid = £2335.94)

28/10/2013 £200 usual (Total paid = £2535.94)

DedicatedDFW

Phew! So glad i've got all that re-organised now

Another part of the reason i wanted to start this thread early was because of the extra payments i knew i'd be making - things like the NSDs, Books to read and Lunches will start in january but i was thinking 'well i want to have £10,000 in savings by the end of next year and not i want to save £10,000 in that 12 months - feels really good to have made such a good start already :T

So i had quite a lovely christmas day actually despite still being poorly. I wanted to cancel my doctors appointment today and just curl up on the couch but due to my health being something i'm going to focus on this year then i decided that although i was feeling alot better (just tired) i would still go as this is an ongoing issue that flares up. I will let you know how i get on :cool:

So a fab chrimble and some lovely gifts received, yesterday i was sorting out moving things although i've got a couple of bits left to shift still How was everyone else's xmas? Hope you all had a lovely time and got some wonderful things too x

Been screened out of a couple of surveys today and chased up about the xmas gift i'd ordered on the bay of e and did not receive :mad: Re-listed bits on the bay of e as well and will get some things on that i've been thinking can go as part of my 365 declutter

InaPickle

Hi Dedicated! :wave:

Like the shiny new thread! I've not even read through all your goals yet as it just blew my mind! I'll come back and read more then I can process them.

Best of luck with all your aims, but please DO NOT WORK YOURSELF INTO THE GROUND achieving them. *Looks knowingly* You know what I mean!

And while I'm at it, I'll go post a link in your old thread. (Well, Pickles have got to have some use! )

jwil

Woo hoo! Happy New Diary :j I'm going to start a new one too

Glad you had a nice Christmas and VERY glad you didn't cancel that appointment - your health is more important!

Good luck with all the challenges, but I agree with pickle, don't work yourself into the ground.

Any chance of doing the Spanish on the commute? You could listen to the CD or burn it on to a mp3 player.

DedicatedDFW

InaPickle wrote: »

Hi Dedicated! :wave:

Like the shiny new thread! I've not even read through all your goals yet as it just blew my mind! I'll come back and read more then I can process them.

Best of luck with all your aims, but please DO NOT WORK YOURSELF INTO THE GROUND achieving them. *Looks knowingly* You know what I mean!

And while I'm at it, I'll go post a link in your old thread. (Well, Pickles have got to have some use! )

Pickle!! So lovely to 'see' you - hope you had a fab Christmas ? I do still miss your thread - it was so motivating reading about all that you were doing and achieving

Yep I have a few goals for the year :whistle: to be honest the list could have been shorter but i have put on there thing i like doing - the reading books is an example - for a while i got bogged down with things and stopped reading :eek: This is on there as a reminder to keep up with something that i love as i always enjoy a good read The same with running - when i am fit enough i enjoy getting out in the frsh air, getting the vitamin D and having the head space to just not think as i'm too preoccupied with trying to keep breathing :rotfl::rotfl::rotfl:

Thank you for posting up the link

DedicatedDFW

jwil wrote: »

Woo hoo! Happy New Diary :j I'm going to start a new one too

Glad you had a nice Christmas and VERY glad you didn't cancel that appointment - your health is more important!

Good luck with all the challenges, but I agree with pickle, don't work yourself into the ground.

Any chance of doing the Spanish on the commute? You could listen to the CD or burn it on to a mp3 player.

Great minds think alike and all that i'd thought about putting the cd onto an mp3

I look forward to your new diary hon.

i am rubbish with doctors appointments the thing is i am so exhausted that i just want to rest rather than go but i am glad i went - i pushed myself as its on my challenge list and it'll be good to get something crossed off. Sadly though, i always find they don't like you to go in with more than 1 problem at once so my plan is to get this long standing problem resolved and then go back to my tiredness with the thyroid problem - hopefully i will eventually feel well again

DedicatedDFW

Hello all,

I received some MS money today and was delighted as it meant i could make an overpayment to the mortgage :T Rang the mortgage place up and had to put up with their terrible service which i pointed out to them :mad: Muppets! I am tired of every time i ring them being told something different. But glad i very clearly pointed this out to them as well

I expect today to be an NSD as i am not going anywhere but the NSD count starts in jan so we will see - its good practice anyway

Finished my book so can get ready for my january one

Going to have a rest now as i'm still really tired Being ill really did take it out of me! xx

Hope everyone is good xx