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

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  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Phew! thats the 2 big pieces of study out the way then :T 3 more to go - lots of words to write but i have been a good bean and jotting things down and am much happier with my structure now *i think* :o:o so know what i need to work on tomorrow :D Doubt any more *actual* writing will get done today :o but the study i have just done has really helped so i am really glad i knuckled down and got it done :)

    Finally fished out several ornaments for the carbooty - they were on my mind :o I simply want all things out of the house that don't need to be here :o They are pretty weighty things too :eek: so will be glad they aren't just stashed away here now :) - checked on bay of e - no point listing them especially for postage costs so carbooty they will go :T

    Really starting to get to the point where all the bits that have been decluttered have got to the point of now only holding things in them that are essential - which is super fab to get rid of the junk - but slightly worrying about where the money will come from once all non-needed / non-wanted stuff is gone :eek: Oh yes - that's why i need to remember to add LOOK FOR A NEW JOB to my summer list ;)

    Hope all of you lovely people are having a nice weekend :) Am going to set my alarm and get up early to have a coffee and come round and then get on with pulling the next assignment together - **positive vibes please**

    Got a mail earlier to say last assignment i sent off has now been marked - too scared to look :o so currently avoiding logging onto my ou page - but will need to soon as there's stuff on there i need for this assignment - Shh! Just maybe not today then :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
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    OMG!! Advise please !! :o Just mentioning job and looked at a company i want to work for and they have 2 jobs available that i could apply for - ok i'm not *exactly* qualified for either but i do have great transferable skills for each one :eek::o:j:(:o:eek: Deadline is after next assignment for applications - and it is a lengthy application form to fill in Soooo.... Do i go for the one which is part time ? Taking only a slight drop in salary as its better paid per hour than i'm on now, the raise in tax threshold thing will make a difference and its local!! No more commuting for hours on end + the extra hours free = will really help with work / life / ou balance :D Drawback is its quite a specialist job -ish - i.e they want experience i don't have per se but i have experience that is transferable to that job description OR local as well (same company) different job full time not so specific a job but then more people will apply for it and again i don't have experience for it as such but I WANT ONE OF THESE JOBS :rotfl: I don't think it'd look good to apply for both of them either - any advice would be fab.

    Right minds whirling now :eek: just gonna get on with next batch of study 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
  • Chocforever
    Chocforever Posts: 770 Forumite
    Part of the Furniture
    Are they interviewing for both posts at the same time? If so, you could always mention you are interested in both at that stage, or they might put you forward for the other job in any case if they think it is more suitable.

    It sounds like you made really good progress with the studying yesterday.

    You must look at the mark. Even I am in suspense :rotfl:
    Mortgage, draw down Sept 2014: £222,000

    Now: £173,229
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Morning Chocs :D

    Thanks for the advice on the jobs - deadline for applications is the same day so they may interview at the same time hmmm... - i think i'll apply for the one that i can match most of my skills to - but for now I AM NOT GOING TO THINK ABOUT IT ANYMORE - until i've got this assignment in this week that is and then i'll be on here asking for help with the huge application form :p :rotfl:

    Suspense :rotfl::rotfl::rotfl: I am not in suspense over the grade - mine is more what you'd call fear :rotfl::rotfl::rotfl: I wouldn't mind so much its just that if its a fail i'd only want to re-do it after i've got these next 2 assignments out of the way :cool: To be honest it was such a hard piece of work and i was glad to be rid of it in the end - whereas my other pieces that i've done i seem to have done ok on...

    Lazy start to the day here :o Got to bed around 1-ish then woken in the middle of the night by my mr getting home so was fairly tired when i got up at 9-ish - now i'm all breakfasted and have got some more study done and am just awaiting my mr going out then i can get on with some writing!!

    Ok, i'll do some writing, wash some pots then study / writing and when i get to the point where i've done enough on this bit i'll have to log onto ou to see what needs doing for the next bit - already have an idea obviously have already looked at it but i need to re-read the whole thing and make sure i'm not missing out - at this point my eyes may steal across the screen to the grades :( or i may put a piece of paper up to cover it then i can't see it :cool:
    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
    Darn it! i'm just too impatient

    Thank you so much choccy chocs :j:j:j:j:j:j

    Highest mark i've ever got!!!!

    Carp - really means i need to pull out all the stops on this next piece :eek:


    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
    Oof! Quite a bit done i'd say so i'm fairly pleased with that - about a quarter of the way of the first part as a rough estimate. Also i've had lunch *note to self MUST do pots on next break :naughty: Whilst making lunch i may have accidentally started on the life-admin section :o Ok, so i only started on the easy bit - result :D a hefty amount of folders disposed of :T also re-housed some items so now have an empty drawer i need to do something with :think: a good pile of papers shredded / thrown so that feels good and.... best of all.... i found some more bits for the carbooty :j (best smiley i could come up with for a dancing one :p) So that means it was definitely productive and its all so much tidier now - shame the other life-admin section now looks even tattier compared to this bit :o Might have to work on one folder at a time basis if and that's *if* i'm going to do that. Don't expect this bit will generate anything to sell but it'll hopefully clear a raft of unnecessary paperwork going out the house :T Hmm... guessing i'd better get back to writing now - study is on hold whilst i have quiet like this i need to get words on paper - when my Mr is here there is some study / referencing whatnot that i can do more easily than trying to write :)
    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
    Oops :o just read back over my posts :rotfl::rotfl::rotfl: sorry chocs - yourpost had prompted me to think about my assignment so i logged in so it was thanks to you that i saw my fab marks and i may have been a little giddy when i popped my post on :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
  • DedicatedDFW
    DedicatedDFW Posts: 4,234 Forumite
    Got quite a bit more done so i am pleased about that :D just want to finish off this bit that i'm working on now and then have another part to do too though that may not get done today - and the the whole re-drafting process starts again :)

    Pots washed - not put away yet though :whistle: Got rid of quite alot more things too :T 2 are notebooks that are not in the style that i use so will really get no use out of them so pretty pointless keeping them 'just in case' for another 10 years :o i do like a good notebook but as i say these one's just aren't user friendly for me sadly :o

    Found even more stuff to declutter in the spare room :eek: How did i not see these things before ? :rotfl: At least they'll be gone later on / tomorrow - mostly in there now are personal pictures so i really must be getting there with what can go :T I still have a drawer to tackle though - hopefully get that done at some point this week :cool:

    I have also decided to tackle the pen drawer now :eek: Not right now, but over the next few days - i'm pretty shocked that i have a drawer and not a small drawer either that is FULL of pens - especially when storage is at such a premium here so will have a muddle through it all - it will give me a nice break from the writing when needed too ;)

    I've got tea underway, another couple of bits on the bay of e and i may well have just hit 600 items decluttered from the start of the year :j:T:j:T:j:T Rightio back to the writing :cool: May not have too much more time today for this as dependant on traffic my mr will be home soon :cool:
    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
    Congratulations on the great mark :D Very well deserved and it must be a real boost for the rest of the course.
    Mortgage, draw down Sept 2014: £222,000

    Now: £173,229
  • PositiveBalance
    PositiveBalance Posts: 1,268 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Finally fished out several ornaments for the carbooty - they were on my mind :o I simply want all things out of the house that don't need to be here :o They are pretty weighty things too :eek: so will be glad they aren't just stashed away here now :) - checked on bay of e - no point listing them especially for postage costs so carbooty they will go :T


    I've just sold a large, quite heavy item that would have cost a fortune to post via Royal Mail and am sending it via a more reasonably priced courrier so have you considered that option?
    OMG!! Advise please !! :o Just mentioning job and looked at a company i want to work for and they have 2 jobs available that i could apply for - ok i'm not *exactly* qualified for either but i do have great transferable skills for each one :eek::o:j:(:o:eek: Deadline is after next assignment for applications - and it is a lengthy application form to fill in Soooo.... Do i go for the one which is part time ? Taking only a slight drop in salary as its better paid per hour than i'm on now, the raise in tax threshold thing will make a difference and its local!! No more commuting for hours on end + the extra hours free = will really help with work / life / ou balance :D Drawback is its quite a specialist job -ish - i.e they want experience i don't have per se but i have experience that is transferable to that job description OR local as well (same company) different job full time not so specific a job but then more people will apply for it and again i don't have experience for it as such but I WANT ONE OF THESE JOBS :rotfl: I don't think it'd look good to apply for both of them either - any advice would be fab.

    Do it do it do it do it DO IT!!!! All they can do is say no....and they may just say yes! :j (Apply for the full time and at the interview tell them you would be happy to consider part-time, but that you would also like to be considered for the FT position. If you don't ask, you don't get, and if they can see that you have the right transferable skills and a willingness to learn the rest you never know what could happen! :D
    Highest mark i've ever got!!!!

    Carp - really means i need to pull out all the stops on this next piece :eek:
    :j:j:j:j:j:j GO ON DEDICATED! :j:j:j:j:j:j

    And no, that doesn't mean you really need to pull out all the stops...it means that you are already more than good enough at your studies! :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
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