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

DedicatedDFW

Hey Everyone,

Made the first start on looking at new budget for the rest of the year by writing out those big one off bills due in the next month or so :eek: Its a huge amount to find Not sure how i'm going to sort it really - need to plot out my income and spends as i've not re-done that since travel, shopping and well everything just seems to have gone up!

Huge positive today is that i just ploughed on with NVQ stuff and am just over a third of the way there on this workbook 12 pages of 35 done :T Tomorrow would love to get this finished - removes a bit of pressure in terms of this as then its just exams and other stuff i've no control over.

Not had chance to check car insurance as yet as i'm shattered after getting in from work Might do that now and get on with the assignment tomorrow morning as re-writing requires quite a bit of focus

Roll on the weekend!!

DedicatedDFW

Oof tired tired tired

Got a bit more re-drafting done which is good.

Cancelled MS sadly - i really wanted to do it but assignment takes priority and this would have taken at least 5 hours of my time due to travel.

Checked some quotes and will check via cashback tomorrow and get the insurance sorted out :eek:

some items ending today - hope i get a few more sold and some extra bids on what is already on there *fingers crossed*

Will start my spending diary once the money starts coming in for this then i can try and keep a track of where everything is going. Plus a little creative juggling is probably required to cover car insurance now and still have all the necessary money in the bank at the right time for other direct debits etc.

Has anyone heard about changes to the cost of postage and knows what this is? I'll have to check when i go the post office but they don't always have the up to date information in.

Right best get myself ready for work. Today i hope to achieve:~

Completion of other NVQ workbook - and if not complete at least 2/3rds of the way there

Letter to tax people

If money comes in bay of e start spending diary

And if enough comes in pay back £100 that i owe.

Book in for an appointment for health.

That'll do for a working day methinks - Happy Wednesday people xxx

DedicatedDFW

Thank Goodness its Thurday - although i don't know why i'm wishing the time away when i've still such alot to achieve on my assignment :eek: Two hours at least on that tomorrow morning methinks :cool:

Didn't get too far with workbook - up to page 22 of 35 so 14 pages left to go but the questions now are taking much longer to answer Will try and do a bit more today though

Delightedly sold a few bits on the bay of e :T Enough to pay back the £100 i borrowed to see me through the month but not enough to cover even the shortfall on the money i needed for insurance Its taken me over an hour getting quotes, comparing them and cashback checking excess amounts and whats covered :eek: There were 2 particular companies who had suggested they'd be cheaper but they weren't on comparison sites so had to check them out separately. Anyways i am all sorted out now in advance of the day its needed so that is good news i suppose - i just have to find the money to cover the payment made now :eek:

Unable to book in for health thingy as they aren't taking bookings right now - but i tried :cool:

Didn't get tax letter done - i was a tired bean

So - today i'd like to progress some more with NVQ workbook.

Get the tax letter done.

Set up spending diary - just to keep track this month of whats coming in when and where it is scarpering off to :eek:

And to see if i can get the money in for when it needs to be :eek:

PositiveBalance

Still don't know how you are doing it!:)

DedicatedDFW

If only i was PB! I really *really* need to get this assignment in now - it may be carp but i need to get rid of it so i can start on the next ones!

Todays happy plans fell by the wayside as i just had too much work work to do so was shattered at lunch and just needed a break - although having been up since 6.45am :eek: the day had been long.

I am glad car insurance is organized - though not worked out how i'll re-coup the money needed

I did however get the financial tracking paper sorted out and have been filling in income and outgoings - a pretty important thing so i'm happy with that

I've done a survey and should get a couple o quid for that tomorrow.

I've bought insurance via cashback - really hope they pay fast

I've sent out all outstanding bay of invoices.

I'll try and catch up on diaried over the weekend but am falling asleep right now xx

DedicatedDFW

This Weeks To Do to TaDa! In no particular order

1, Tax Letter
2, PT3 OU
3, library for books
4, [STRIKE]Assignment Redraft started[/STRIKE] Done!
5, Assignment Redraft
6, Assignment pt2
7, Assignment pt 2 redraft
8, References update
9, hospital form complete
10, Doc's sample what to do ?
11, Lucky Dip living room
12, [STRIKE]Update project on-line[/STRIKE] Done!
13, [STRIKE]do letters[/STRIKE] Done!
14, [STRIKE]send letters[/STRIKE] Done!
15, clear landing
16, Send proof of NCD
17, [STRIKE]Clear bag living room[/STRIKE] Done!
18, [STRIKE]respond to bay of e questions[/STRIKE] Done!
19, [STRIKE]2nd underwear drawer declutter[/STRIKE] Done!
20, [STRIKE]make-up bag declutter[/STRIKE] Done!
21, [STRIKE]make-up bag 2 declutter[/STRIKE] Done!
23, [STRIKE]make-up bag 3 declutter[/STRIKE] Done!
24, [STRIKE]make-up bag 4 declutter[/STRIKE] Done!
25, [STRIKE]bag of odds and ends in storage drawer declutter[/STRIKE] Done!
26, [STRIKE]write out new income and outgoings [/STRIKE] Done!
27, [STRIKE]spending diary to see where exactly my money is going [/STRIKE] Done!
28, [STRIKE]empty basket[/STRIKE] Done!
29, [STRIKE]fill with items from other basket[/STRIKE] Done! Decided to keep other basket instead so this is the one going
30, [STRIKE]put basket to carboot[/STRIKE] Done!
31, [STRIKE]contact mortgage company[/STRIKE] Done!
32, [STRIKE]travel complaint[/STRIKE] Done!
33, contact ou by e-mail
34, [STRIKE]wash [/STRIKE] Done!
35, [STRIKE]dry[/STRIKE] Done!
36, [STRIKE]move[/STRIKE] Done!
37, [STRIKE]wash[/STRIKE] Done!
38, [STRIKE]dry[/STRIKE] Done!
39, [STRIKE]move[/STRIKE] Done!
40, [STRIKE]pots wash[/STRIKE] Done!
41, [STRIKE]dry[/STRIKE] Done!
42, [STRIKE]move[/STRIKE] Done!
43, Assignment complete
44, Assignment submit
45, Sketch out plan next assignment
46, [STRIKE]Get bag ready with vouchers in[/STRIKE] Done!
47, list bay of e started
48, [STRIKE]pack bay of e[/STRIKE] Done!
49, [STRIKE]post bay of e[/STRIKE] Done!
50, [STRIKE]pack work bag[/STRIKE] Done!
51, buy monthly train ticket Monday
52, [STRIKE]food shop[/STRIKE] Done!
53, [STRIKE]move food shop[/STRIKE] Done!
54, Contact NVQ advisor Monday
55, Finish 2nd workbook 14 pages to go By Wednesday

Next Week:~

1, clear make-up drawer
2, transfer nail stuff into make-up drawer
3, list make-up bag for sale

DedicatedDFW

Morning World !

Hope everyone is good ? I have just taken a few hours Me Time this morning - it does happen - i am a lazy mare at the best of times I have enjoyed a lie-in for about an hour and a half - i could have gotten up but didn't feel that would be very productive as i was really tired and had been up until the early hours with an upset stomach (again ) not had it so bad since last week so i shouldn't complain really. Well i have gotten up today to howling winds which are bringing great flurries of snow with them :eek: I do love the way snow looks I like walking in it too But i have to drive later so extra care will be taken and lots of extra time added on too The rest of the me time i have enjoyed has been reading a couple of blogs that i follow - they are both very different but i enjoy them and find them inspiring so a good start to the day all enjoyed with a lovely cuppa :coffee: In fact it could have only been a better relaxing time if i'd had some cake too

I've been umming and ahhing about this next bit Confession Time so to stop me pondering any more i'll confess all to you lovely people. Remember i have my running target in my sig ? Well I joined a gym :eek: I joined at the start of the year as i was struggling with running during the week and by the time the weekend came round it had been too long a gap since my last run. I can cancel my membership at any time which is great but also not something that i want to do. I got the membership at a great price too - £19 :T and have been going regularly so it is working out at less than £1.50 a time. And do you know? I enjoy it too I enjoy doing more in the week than just work, i like the people who work there, i kinda enjoy using the machines and exercising - i say kinda because there are a couple of exercises i like less than others but they are good for me I feel better in myself - fitter - although not slimmer at the moment but i am sure that will come along And the running ? Well its still really just something i try to fit in at the weekends - although the snow today is a bit off-putting There are loads of treadmills in the gym and i may use them at some point - my program has all been written out for me and although i might use the treadmill as part of my warm-up its not my main focus and i really enjoy using the other machines too which i find more challenging i think as my body is used to the movement of running so getting on the cross trainer or exercise bike or rowing machine for example makes me move in a different way. Anyways its good for me, i enjoy it, its made a huge difference to my working week (mon-fri) since the start of the year and for £19 i think thats fab! Although maybe i should be worrying about how i'm going to break the 1000k in my sig :rotfl:

I'd best get on with some of that mountainous to do list now methinks - i *need* money after paying for the car insurance :eek: and have a couple of questions for bay of e stuff - lets hope answers will prompt bids eh?

DedicatedDFW

I like getting things crossed off my to do list

I have to say the house is looking so much better since i started this decluttering - again :rotfl: i do think its a lengthy process anyways so too bothered But with things gone the place is so much clearer and easier then to keep on top of :T

I'll start with my mini-lists tomorrow - though expect to see plenty of productivity on the assignment front

**positive vibes please** I want to throw that one in on sunday then get cracking on the next one *gulp*

I'm not sure what to do about bay of e at the mo. having heard that postage costs are all going to change again... i really need to find out what will happen and how i'll be affected..

Right got 8 minutes before i've to be out the door so will quickly get a small job done

Hope its a good day for everyone

jwil

Yes, you are such a lazy mare :rotfl: :rolleyes:

Hope everything is well, good luck with the list and assignment

I need to look at the postage prices too, looks like it's going to be a nightmare!

DedicatedDFW

Hey jwil - Lovely to have you back - hope all is well ?

Haha - no i am completely lazy given half a chance - i can spend far too much time just relaxing and then nothing gets done and i find i've wasted alot of time doing this.

I like having my lists though They give me some sort of structure and also keep in mind the things i need to achieve which is good and also i don't worry over them - i think i only ever once completed a full list of things i'd set myself.

So i've had a lovely relaxing start to the day - which is good as i ended up ill again yesterday i'm going to cook some free tomatoes for breakfast which i'll enjoy with bread which was on offer

Then i need to put one of the 4 step mini-lists into place So plans after breakfast

Job 1: - continue assignment redraft

Job 2: - wash pots

Job 3: - move dried washing

Job 4: - make-up bag declutter