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

DedicatedDFW

Got that done - and money thing of today is popping an app on my phone - in process as i type :cool:

Read through assignment - wow! it is so hard work!! I have jotted down changes i want to make but am not in the best writing mode so may just keep going with the read-throughs for now. This may save time anyway e.g i just read through to see what needs extending what needs editing. The next read through will be to see whether each paragraph / section has what it needs in it Even without the extra writing i'll know that.

So next up is: - as above read through make sure each section / target is logical in terms of whats in there.

Read chapter of text book

Possibly some lunch

Move 1 item from the living room - now the pile of all things has gone the biggest pile of stuff is ou things Just over a week and they'll be moved :eek::eek::eek: so i'd like the rest of the room to be as tidy as possible in anticipation.

Did i mention i have been stocking up at shopping on items on offer? Things which of course we do use but which are pricey - toilet rolls, washing liquid, kitchen rolls, coffee - it has meant huge overspends recently but should make a difference over the coming months. I also intend clearing down the freezer as much as possible. Alot of this will be after uni as i don't have the time to do the batch cooking and planning whats needed out of the freezer when Hoping to get all of this sorted in the summer. I also found a cheese due to out of date and froze it - any recipes for cheese pie anyone?

Hope everyone is enjoying a nice weekend

DedicatedDFW

Morning everyone,

Hope all have enjoyed a nice bank holiday weekend?

I have ALOT to do and in the next 2 hours or so will be spent on ou and making sure that i have brekkie.

I'll need to fit in another money thing today as well :think:

PositiveBalance

Hi Dedicated - busy as usual, I see.

Will be back for a chat (and to update my own long-neglected diary) later.xxx

DedicatedDFW

Hey Everyone,

PB good to see you how are things?

I have neglected my diary too - i am bogged down in my assignment at the mo - anyone who can send **positive vibes** please do

After this week i'll be back with monthly challenges of old - aiming to make £1000 a month :eek::eek::eek: extra to clear my debt - i really want to be debt free by my birthday this year - current debt (not counting credit card i'm using for spends which has to be cleared in full each month) is £1820 - made up of £1500 overdraft, £200 overdraft and £120 borrowed to do MS's with.

Ideas for making money are overtime :(:( - its only paid at single rate anyway but needs must. Bay of E - massive clothing clear out beckons - pretty much everything else has gone, carboot, MS. £283.28

I may pop in this weekend as a break from the thousands of words i'm writing :eek: Hope all is well with everyone xx

DedicatedDFW

Hmm today is not shaping up in the way that i'd hoped :undecided Still there's only me that can turn it all around I *need* to get on and do some writing - what i'll aim for is the first say 200 words and then a wee break on here - can't say fairer that that can i? :cool: I have my cuppa :coffee: The tv is switched off. The preparation has been done. My mind is full of the fact that i need to raise £1820 to pay off all my non-mortgage debts :eek: £1500, £200 and £120 Plans afoot are:- expecting £126 in MS money - will use to pay straight off the £120 when it arrives. The £1500 and £200 are both overdrafts at £200 i'm not incurring interest - the £1500 is at a rtae of £20 ish a month = £240 a year which would be better put into savings or something nice. Plan then is to pay a small amount off the £200 wach month say £10 or £20 and pay huge chunks off the £1500. Money to be raised for this via:- overtime - if i can get a day thats about £35 so 3w days = about £100 not great being out of the house all day but needs must - and i'll need to see if i can get any first. Bay of E like never before - list items at £3 each so aim to list 20 things to clear a £50. MS - apply after this week. Those are the plans so far and they were in my head so needed to get down on paper first as it were before i could start on the writing :cool: Right see you soon x

DedicatedDFW

THE GREAT JUNE CHALLENGE!

1, Overtime x3
2, Part of above
3, MS owed
4, MS owed

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+ £35 over
5, Bay of e - 14 little figures
6, Bay of e - 6 intruction booklets and part packs
7, Bay of e - 20 clothes starting at £3 each

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+ £10 over
8, Bay of e - 20 clothes starting at £3 each

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+ £10 over
9, wages - tax code change
10, wages to add to tax code thing is plus money owed for shifts worked
11, cutback food shopping in June
12, 1 week no travel costs + £5 petrol + £23 train
13, carboot
14, carboot
15, use stamps instead of paying for postage possibly £50 if i can use presentation stamps to pay with ???
16, cashback - utilities
17, cashback - insurance + NEED TO FIND ANOTHER
18,
19,
20, bits and pieces from above +£35 MS, +£20 bay of e

DedicatedDFW

I'd guesstimate that i got down 400 rough words :T Fab!

Urgh I've been shopping today and seriously overspent :whistle: Food shopping that is - basically there have been some good offers on which are due to end this week - and as its on stuff that we *need* and *use* and was less than half price i totally stocked up it will save me some money in the coming months but part of the reason i added cutting back on food shopping onto the challenge was because of the cost and the need to rein it in a bit - but it is all so dear to get anything now it seems so when anything i regularly buy is on offer i just buy ALOT - mind you i have a freezer and cupboards full of food - its time we started just eating our way through it all :rotfl::rotfl:

May make some lunch/tea in a bit. Had to get more concrete ideas down for moneymaking and if anyone else can come up with any more that'd be fab

DedicatedDFW

Morning World!

Yesterday was an epic fail in the amount of work i had to complete :eek::( Once again due to unexpected visitors :mad: I have now come to realise that due to the fact i am at home then this means i am free for people just to call in on for a few hours and although they know i'm studying as this is not important to them they do not see it as me actually doing anything. Grrsomeness indeed! I'm not going to worry about it now but it certainly needs nipping in the bud before my next module.

Haha - just realised i may sound horrid - its not that i don't want any visitors - although the house being in CHAOS doesn't help Its just that my study time is so precious and fast running out :eek:

So - *positive vibes* please - i've been studying for over an hour already. I'm going to put the washer on, list an item on the bay of e and then back to it (bay of e = mini break)

DedicatedDFW

So the washing is on, more studying done and another item listed :T
I feel really good about focusing on clearing the debt again Its probably no coincidence that this coincides with the end of my module In preparation i've changed my sig to acknowledge the level of debt i am in - the £120 owed is a priority as its owed but i should be paid next month for the MS's and that will clear that in 1 go with some change left over for target 8 - the problem with target 8 is that it is the account i use - what i'm thinking is maybe stash the money in target 9 account and then transfer it back over on payday so its then easy to keep track of where i am up to and what i've cleared - this is only for the dribs and drabs of money if I paid £100 off in 1 go that'd be easy as i could say ok overdraft now £1400 cannot go over this

Right this assignment won't finish itself so i'm off to get on with some more and then i'll be back

DedicatedDFW

1 lot of washing done, dried and moved, 2nd lot of washing drying, third lot of washing is in :T

Had another cuppa and will be ready for lunch soon.

Got 2 more items listed on the bay of e - they were the same so easily done

Checked for MS's - none

Need to read and take notes from final chapter

List another item on the bay of e

Then lunch and back here - thats the plan :cool: