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

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  • Sorry PB - illness stopped play yesterday :( I thought it was just exhaustion and was trying to ignore the quesy feeling _pale_ - so far behind on my writing now but have done some this morning. I may need to ask for an extension but really don't want to as that will put me behind on my next assignment as well :(

    The draft is coming together though so i'd better just keep at it - i envisage alot of late nights and early starts for the rest of the week :eek:

    Positive vibes all please would be mucho appreciated :)

    BE. NICE. TO. YOURSELF! *Wags finger very sternly*
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    :o Thanks PB i just wanted to be further ahead with the assignment - Hope all is well with you ? x
    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
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hi Chocs - you did brilliantly with your to do list :T

    I'm carrying on with mine until friday when i'll start a new one so trying to stop as much stuff as possible being put to next week by getting it done this week ;) Got the jewellery stand sorted out which gave up lots of goodies for the carboot and bay of e :T and it looks alot better for being cleared of stuff i don't wear too :D

    I'm also terrible re. paperwork :o I've got the letter i need to do so thats being done today :eek: as well as more assignment work.

    The bay of e stuff i got put on this weekend has a couple of things with bids on - again this all helps with transport costs to work - i've got the fares for this week its just next week i'm not sure about - the stuff listed is on for 10 days so that'll come in for the last week of the month :o I also have to absolutely stick to the budget for shopping :eek:

    Trying to think of more stuff i can sell - both for the money and the space - really want to catch up on the missed savings this last few months and don't know how i'll manage it this month with car insurance being due as well :o

    Rightio back to the assignment - have a great day all :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
  • Chocforever
    Chocforever Posts: 770 Forumite
    Part of the Furniture
    Do you get time off during the week if you have to work weekends? You seem to work irregular hours which must be hard. I hope you have plenty of time this week to get the assignment and other stuff done.

    Had a result with E bay. I listed the jeans. Looking at the completed listings, they were going for varying amounts from good to really poor. I decided to list them as a BIN and they sold after a day, so that was good. Thanks for giving me a kick to list something.

    I'm going to try to get the charity work done tomorrow which I didn't get around to at the weekend. It will be a weight off my mind, and will free up some of my weekend, if I can.
    Mortgage, draw down Sept 2014: £222,000

    Now: £173,229
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Hi Chocs - yes when i work the weekend i get a random odd day off in the month when its my weekend in but the last weekend i was helping a colleague out - means i get a day off at easter though so i am happy with that :D The hours are hard work - you are right but nothing i can do about that just now - i have tried plenty of times!

    Well done on the jeans :T I was trying to check a completed listing for something before but couldn't remember where to find it :(

    Hows the charity stuff gone on ?

    I am actually - surprise, surprise :rotfl: planning a bit of a busy weekend - but with at least 1 relaxing day thrown in except for assignment of course :) I've been spurred on by making headway with the house - can really see the difference in the rooms which is obviously brill - so want to really push this ;) Will see though when push comes to shove - i'm sorting out a 'creative' bag this weekend - for the next 2 years (after this year as well so nearly 3 years) i am focusing on my study - it is my priority and what with the long hours + commute at work and the amount of study involved i do not have time for any of the creative pursuits i wanted to refresh. Selling the stuff will clear space = a tidier house = better & easier to live in = easier to clean = easier to have people round. And of course if i can sell stuff = £ in so can boost savings / reduce debt.

    Rightio just about my bedtime i'll update my weekly list to see where i'm at :)
    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
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Well, this weeks to do list isn,t shaping up so badly. Inevitably there,ll be stuff that drops over into next week - the library i couldn,t make it to, at least one redraft. But on the whole i,m chuffed with what i,ve achieved. I,ve been on the phone 30 minutes today - complained to insurance grrs! Tried to get through to boiler man 10mins an 10mins trying to get through to the ou :o( so 20minutes ish of achieving nothing - which is why phone calls are never just a quick thing to do anymore. Hoping to keep up with a good stretch of jobs over the weekend - the bedroom is just about decluttered so that should be finished tomorrow ;) Need to add on complaint re delay onto list as well as scarf declutter again! So i can clear the landing - again making everything better and easier. Will have to try calls again on way to work and at lunch if necessary.
    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
  • :o Thanks PB i just wanted to be further ahead with the assignment - Hope all is well with you ? x

    I thought it was, but work issues have reared their ugly head again. :(

    Not heard anything back from the NPB yet...will have to see.

    And you are still mad and taking on too much stuff! :rotfl: ;)
    Debt: £11,640.02 paid in full! DFD: 30/06/20
    Starter Emergency Fund (#187): £1000/£1000
    3 month Emergency Fund (#45): £3300/£3300
  • jwil
    jwil Posts: 22,000 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    :wave: I'm still around, hope all is well with you. You've been busy as ever :D
    "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
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    edited 21 March 2013 at 9:27AM
    Week/ends To Do list to TaDa list ;)

    1, Car insurance - check prices and cashback started apply Thursday
    2, [STRIKE]clear area for bike to be moved into[/STRIKE] Done!
    3, [STRIKE]move bike[/STRIKE] Done!
    4, [STRIKE]box of clips & bits of jewellery declutter[/STRIKE] Done!
    5, [STRIKE]jewellery box declutter[/STRIKE] Done!
    6, [STRIKE]underwear drawer declutter[/STRIKE] Done!
    7, [STRIKE]washing[/STRIKE] Done!
    8, [STRIKE]drying[/STRIKE] Done!
    9, [STRIKE]move[/STRIKE] Done!
    10, [STRIKE]washing[/STRIKE] Done!
    11, [STRIKE]drying[/STRIKE] Done!
    12, [STRIKE]move[/STRIKE] Done!
    13, [STRIKE]pots washed[/STRIKE] Done!
    14, [STRIKE]pots dried[/STRIKE] Done!
    15, [STRIKE]pots moved[/STRIKE] Done!
    16, [STRIKE]bathroom cleaned[/STRIKE] Done!
    17, [STRIKE]hoover downstairs and hall stairs and landing[/STRIKE] Done!
    18, [STRIKE]RING OU[/STRIKE] Done!
    19, [STRIKE]RING boiler man again!!! :mad:[/STRIKE] Done!
    20, [STRIKE]RING Insurance people and lodge complaint :mad:[/STRIKE] Done!
    21, [STRIKE]clear creative bag[/STRIKE] Done!
    22, [STRIKE]listings onto bay of e started 14 newly listed items [/STRIKE][STRIKE]
    prepped, now up to 23[/STRIKE] Done! 32
    23, [STRIKE]washing[/STRIKE] Done!
    24, [STRIKE]drying[/STRIKE] Done!
    25, [STRIKE]move[/STRIKE] Done!
    26, part 3 OU
    27, [STRIKE]dust bedroom - will allow final tidy up :T[/STRIKE] Done!
    28, [STRIKE]finish project tidy bedroom - 5 items to go :)started 2 items to go! 1 item to go!!!![/STRIKE] Done!
    29, [STRIKE]hoover bedroom[/STRIKE] Done!
    30, [STRIKE]dust hall, stairs and landing[/STRIKE] Done!
    31, [STRIKE]work bags ready[/STRIKE] Done!
    32, [STRIKE]e-mail ou[/STRIKE] Done!
    33, library for books
    34, Assignment Redraft started
    35, Assignment Redraft
    36, Assignment pt2
    37, Assignment pt 2 redraft
    38, References update
    39, hospital form complete
    40, Doc's sample what to do ?
    41, Lucky Dip living room
    42, [STRIKE]dust living room[/STRIKE] Done!
    43, [STRIKE]hoover living room [/STRIKE] Done!
    44, TAX LETTER
    45, [STRIKE]NVQ next section Tuesday[/STRIKE] Done! Fab progress made - 12 pages in on a total of 35 :T
    46, [STRIKE]chase nvq advisor Monday[/STRIKE] Done!
    47, [STRIKE]fix rad started[/STRIKE] Done!
    48, [STRIKE]scarves declutter[/STRIKE] Done!
    49, landing clear
    50, [STRIKE]worktops clean[/STRIKE] Done!
    51, [STRIKE]floor clean[/STRIKE] Done!
    52, [STRIKE]prepare for MS[/STRIKE] Done!
    53, [STRIKE]Complete MS[/STRIKE] Cancelled
    54, [STRIKE]Write report[/STRIKE] Cancelled
    55, [STRIKE]update spreadsheet for tax return[/STRIKE] Irrelevant
    56, [STRIKE]check banking[/STRIKE] Done!
    57, [STRIKE]reply to bay of e questions[/STRIKE] Done!
    58, [STRIKE]write card and sort prezzie[/STRIKE] Done!
    59, [STRIKE]pack bay of e[/STRIKE] Done!
    60, [STRIKE]post bay of e[/STRIKE] Done!
    61, [STRIKE]grocery shop[/STRIKE] Done!
    62, [STRIKE]move grocery shop[/STRIKE] Done!
    63, letters to send
    64, post
    65, [STRIKE]soap replenish[/STRIKE] Done!
    66, [STRIKE]bins sorted[/STRIKE] Done!
    67, update project on-line
    68, Ring OU to book on course!!

    If time or next week:-

    69, 2nd underwear drawer declutter
    70, make-up bag declutter
    71, make-up bag 2 declutter
    73, make-up bag 3 declutter
    74, make-up bag 4 declutter
    75, bag of odds and ends in storage drawer declutter
    76, write out new income and outgoings
    77, spending diary to see where exactly my money is going
    78, empty basket
    79, fill with items from other basket
    80, put basket to carboot
    81, contact mortgage company
    82, travel complaint
    83, contact ou by e-mail
    84, wash
    85, dry
    move
    wash
    dry
    move
    pots wash
    dry
    move
    Assignment complete
    Assignment submit
    Sketch out plan next assignment
    Get bag ready with vouchers in
    list bay of e
    pack bay of e
    post bay of e
    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
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    jwil wrote: »
    :wave: I'm still around, hope all is well with you. You've been busy as ever :D


    I've missed you hon but not wanted to mither you as i know how busy you must be! Hope all is well with you 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
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