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

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  • And you just KNOW that I have been positive vibing it for AGES now, so there was no need to ask! ;)
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • Thank you guys :D Where would i be without you lovely lot ? :j i got the assignment in on time *phew* and now its onto the next one - although i seem to be having a bit of a rest right now :o I was up super early after being ill again and getting hardly any sleep. I went and got the grocery shopping done and moved and then organized a bit of the chaos which has become the carboot stash. I got some ironing done, some washing done and drying, next load on and i *really* do need to start working my way through the clothes for a declutter.

    I've struggled with money this month but was saved by quidco this morning :j:j:j which means i have enough money to pay my transport costs to work for the next week :T Things were looking grim :o I still 'borrowed' a bit of money to get all the bills paid last month - insurance, tax, gas and electric :eek: so when i am paid at the end of this month i am on the hamster wheel of catch-up again so some listings will help. I've also got my challenge with PB who has listed almost 3 times the amount i have :T:T so sorting of tops will help with that.

    This weekend although its my weekend in work i'll have to:-
    sort out 2 letters
    start next assignment
    start new book
    sorting of tops as mentioned
    sorting of work bags ready for start of new week
    print off form for exam
    2 drawers to think about...

    That'll do for now otherwise i won't get up and get on and do something!!

    Hope you are all well - i'll update my listings as i find stuff PB xx
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    A bit of rest time is good DDFW :) Glad the assignment got done ok.
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • slowlyfading
    slowlyfading Posts: 13,429 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I hope you're managing to rest and relax a bit :)
    Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
    Personal Finance Blogger + YouTuber / In pursuit of FIRE
  • Nice to have you back :)
    Mortgage, draw down Sept 2014: £222,000

    Now: £173,229
  • Good to have you back but GET SOME REST MISSY! :)
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • Hi all :) and *yawn* i am so tired and would go straight to bed except i know that would have the effect of me waking up around 1am or so and being completely wide awake and therefore shattered when it is time to get up tomorrow!

    I've just given myself a few minutes on here after getting in from work - what a long day that was :eek:

    I think i'll move pots - obviously a task that doesn't occur to my mr who's been at home all day *rolley eyed smiley* and once these are moved i can then wash the pots that have been generated whilst i've been at work. To be honest i'll feel better for getting it done rather than leaving it until tomorrow.

    Then i *will* lift some tops out - i did yesterday but put them all back again :o but have thought of at least one of these i can list and lift out a new batch too.

    I seem to have far too many cushions as well :o Oh dear! So these need sorting out ready for the carboot and will make the place seem clearer and tidier too!

    I need to do some reading for my course as well so will try and get that done and i need to start reading a new book and would like to do this today too.

    I'll also need to put away my work things.

    OK! first off pots need to be done!

    Hope everyone is good :D
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • That wasn't so bad was it ? I got the pots dried and moved, wash new lot of pots and then whilst on a roll dried and moved these as well. Moved work things but have a couple of non-work things i need to move too i discovered. Rummaged in wardrobe and selected 4 tops to part with. Rummaging is not the best thing to do ideally i need to lift out all of the tops and lie them on the bed and then go through them that way. Not worth covering the bed in a mound of tops just now though - that can wait until next weekend when i may have a bit more time / need a few breaks and distraction from the assignment. Oh i also parted with 2 cushions - straight to the carboot pile although i think family will claim them instead - i think 1 of the tops will be claimed by family too if not its bay of e and carboot - i'll get it ready for listing anywho's ;)

    Not sure if i mentioned that i surprised my mother the other week - went into a shop and they had loads of sale things that were lovely but i was looking for the shoes that i kinda *need* not a want but a very practical need :T Anyways my mum was going oh that'll look lovely on you and its just £7 and what about this £1, £2, £3, £10... you get the picture - i calmly said 'yes they are lovely but i don't *need* them :T - it would've been so easy to spend about £30+ i think on a lot of nice reduced things (never mind the fact that i don't have £30 in my bank account :o) BUT as i know i don't *need* them it was so much easier to leave them in the shop! There were some gorgeous things too BUT i would prefer to carry on trying to clear my debt AND i would also prefer to have space in my wardrobe rather than cluttering it up albeit with nice stuff :cool:

    Rightio! Some course reading awaits - i've already done a fair bit whilst hanging around waiting for trains and in my lunch at work so if i plough on now i'll get to the end of the bit i've got to complete now :T

    I feel better for having done a bit of something too - off to update my targets on declutter etc. Feeling a bit flu-ey today - really hope i'm not coming down with something :o
    CC1:T £[STRIKE]2531[/STRIKE] £1460
    MORTGAGE OVERPAYMENTS: £10575.20 Target £12,100
    MF Date: [STRIKE]August 2042[/STRIKE] May 2035
    Declutter 1000 things by Xmas 2015! 53/1000
  • Wow, that was a great amount to achieve last night, especially after being at work.

    I hope you have another good day!
    Mortgage, draw down Sept 2014: £222,000

    Now: £173,229
  • jwil
    jwil Posts: 21,992 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on everything you've achieved!

    Hope you had a better night and a good day today :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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