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

PositiveBalance

Hi Dedicated!

Well, sometimes these thing need saying, so well done on putting them other there!

As for decluttering, what I have done in two evenings and a weekend would put Kim and Aggie to shame. I'm very proud!

Enjoy your beer! :beer:

DedicatedDFW

Hey PB - Well Done! you Sounds like you have achieved lots :T

DedicatedDFW

Wow! I have not posted for a while and there is so much to catch up on and probably not enough time / energy for it all right now.

Energy-wise i have been feeling extremely run down again but have booked myself into the docs and am going to insist on being referred to a thyroid specialist. This will be my second request for this. If it is declined i will ask to see the practice manager As much as i do appreciate my doctors and do think they are very good i think there is information / appointments / medication i would get without having to battle for it every single time - which is hard when i'm already feeling completely run down Case in point - 6 months ago my medication needed increasing - still not been done

My weekend list became a bit of a week list and i'll need to see what else i need to do soon.

I did manage to declutter a few items but only 2 to the bay of e.

DedicatedDFW

Oh dear! How 2 steps forwards 1 step back am i ? I really need to set myself a spending money budget - this way i know what i have to spend 'guilt free' and i can really weigh up how i can make the most of my spends rather than what is happening at the moment - a £0 spend budget where i buy alot of the things i want - as in way more than a budget would allow Even though i know a few of the reasons i spend money it is hard for me to put things in place to stop this :think: i guess i need to leave all cash and cards at home - but then i'd worry about being broken into and all the cards etc. going (There have been a couple of break-ins lately).

I took my mum on a few errands the other day and unfortunately she is a terrible enabler when it comes to buying things even though she knows i really struggle for money (doesn't know extent of debt). Anyways ... deep breath...

1 dress £20 - reduced from £60
1 jumper £15 - reduced from £55
3 presents - reduced from £10 each to £1 each
1 top - £12 - reduced from £40
1 jacket - £19 - reduced from £40
1 shorts £10 - reduced from £30
1 bag £15 - reduced from £40
1 bag £10 - reduced from £30
1 blouse £15 - reduced from £45

:eek::eek::eek:


I don't even want to add all that up :eek::eek::eek::(:(:( Instead of being happy with my purchases - all of which I do love rather thann just like - i felt a bit guilty as we left the shop and decided to return the items the next day - only to find they no longer offer refunds on sale goods :wall::wall::wall: They always have done in the past and it is a shop i go to alot - there were no signs up about the policy change though it could have been a bit back that this happened - i normally check the policy too but as i say its a place i am so familiar with that i didn't

What also triggered the massive spending was not only the encouragement from my mother but because of work and also because i am unhappy in myself and the way i look - especially since the weight gain when 90% of my wardrobe is too small now - it felt good putting something new on that actually fit and could be fastened up without a battle

I decided to put everything down on here that i bought

I am pretty annoyed with myself about it to be honest - as i am sat here the rain is pouring down and i can hear it all splashing down where the gutters have failed i woke up and came downstairs to the usual pool of water behind the door from when it rains All jobs i want to have done and here i am chucking money away clothes etc. :mad:

i am exercising and healthy eating in an attempt to get the weight back off - its more of a gain due to thyroid though as i was eating really healthily when the weight went on I will feel better about myself once this weight is back off though

Right, off to work now - hope everyone is well x

Knit_Witch

Erm £119 :eek::eek::eek: I know they were bargains but :eek::eek::eek:

jwil

Hey ddfw A spending budget is defo required I think trying to go cold turkey is too much for anyone really, so you must be able to have a bit of pocket money.

If you can't return them, then you could either sell them or do a 'one in one out' where you get rid of something else. If you've got stuff that's too small, then sell it on and buy something new when you've slimmed down - particularly if it's stuff you don't love.

I hope you get your thyroid referral, it's been going on too long now.

DedicatedDFW

Aw Thanks guys and hello to Knit Witch I think a good idea would be for me to keep track of my spending as to be honest i really don't think of the total amount spent I'll go for a while not spending anything at all and then have a bit of a blow out :eek:

Jwil - i am having a clearout and have parted with alot of items - to be fair alot of stuff doesn't fit any more, i love being able to put clothes on and just zip them up without a massive battle I also, of course, enjoy having new things - alot of this is probably connected with my low self-esteem which hasn't been helped by my massive weight gain :(

I've been poorly all weekend and am behind on all the cleaning jobs because of it - was well enough to go to work today so was straight home and getting on with all the cleaning etc. - it'll take me all week to catch up.

Hope everyone is well x

DedicatedDFW

I've decided to log my spends on here - in an attempt to make me face up to the amount i am spending and also in the hopes that having to post about any purchases / spends will be a great demotivating factor I'm not counting direct debits or standing orders as they are essential bills

Monday:-

Paid bill £31.00
Food £5.00 (should come out of shopping budget)
Personal items £3.00
Gift £74

Tuesday:-

Shoes & 3 pairs of work tights £19.00
Sarnie £1.88 - i need to look into taking more food as i'm not lasting on my packed lunch
Paid Bill £72.19

Returned jumper and top from the other day - they were faulty so i got a refund :T

DedicatedDFW

Ok, the gift is the item i think that really stands out on mondays purchases - it was a tad frivolous and well thought out all at the same time :cool: Basically my birthday is a little over a month away and i tend to get a bit of money off a couple of people (i only get gifts off about 4 people altogether) and when i say a bit of money it is about £10- £30 depending who its from. I was really good at xmas and used the money to overpay the mortgage but i was then in a tricky position being asked what i'd spent the money on and having to show the people what i'd purchased... So when i had the opportunity to snag an item i've wanted for about 15years :eek::eek::eek: (where did that time go?) And said item was 80% off i took the plunge. Normally i'd buy this and then something else with the money as well but i'm going to be good and put it away and then i can lift it out after my birthday and say 'oh i used the money for this' and any surplus money i can throw at the mortgage :T Of course the only problem to this plan is if the people who've already said they'll just give me the money don't :eek: I hope it doesn't sound like i expect stuff but it is my birthday and it is only family who buy for me / give me money and they always do even when i tell them not to bother.

DedicatedDFW

Arrgh!!! Long post lost - main points: -

spent £27 train tickets (essential to work costs)
£10 essential key cuttery
£8 wasteful but necessary purchase of bra - forgot mine :eek:
£1.40 sarnie

Most important point was: - Hope all are well xx