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

DedicatedDFW

I didn't achieve alot of the things that i wanted to yesterday. I decided against the cooking / baking and will do it for next week - this was just a sensible decision based on the fresh food we had in for lunches.

I got the doors done and the 2 modules of study.

Dresses didn't get done and no more listing was achieved either

I am trying on a couple of bits a night so have 2 dresses already to list - 1 i'm not bothering trying - it won't fit and if it did i'd need to be ALOT trimmer than i am now to wear it - so its going. I am also having difficulty deciding on a couple of things emotionally I said i'd keep my 1 target dress - absolutely love this dress - had it for many years and has been worn loads - i should just get rid of it i know - and i might :eek: I have a dress my Mr loves and so i keep it for that reason so maybe that can be the new 'target' dress :think: I have an outfit that has been well worn and well loved and will be perfect for my friends themed wedding - if she ever gets round to booking it - Ok so thats fair 1 item my mr loves and 1 i do so will keep them both - and the rest can go! :eek::eek::eek: This includes another much loved item *sob* Will put on a price i'm happy with and if it doesn't sell i'll keep it :cool: This of course is just from the range of stuff i'd kept for years With whats left i seem to have an ok mix of 'going out' dresses and day/night dresses. Hopefully.

Not started application as yet - need some quiet time for this so may get to the weekend.

Hope everyone is good x

PositiveBalance

Hi Dedicated :wave:

Sorry I've been MIA but I have been super-mega-crazy busy and it's not likely to get any better in the near future.

You still sound as though you are doing pretty well to me despite sounding a bit disappointed with what you have achieved. We don't want you burning out on us, do we?

Keep on keeping on and I'll tell you my exciting news when things have progressed to where they need to bel.

DedicatedDFW

PositiveBalance wrote: »

Hi Dedicated :wave:

Sorry I've been MIA but I have been super-mega-crazy busy and it's not likely to get any better in the near future.

You still sound as though you are doing pretty well to me despite sounding a bit disappointed with what you have achieved. We don't want you burning out on us, do we?

Keep on keeping on and I'll tell you my exciting news when things have progressed to where they need to bel.

PB!!! :j:j Lovely to hear from you Ooh all sounds very intriguing :cool: - hope you are a good busy rather than a bad busy - can't wait to hear your news

Really is good to hear from you - i've been wondering how you've been getting on, you've been missed

DedicatedDFW

Hi all!

Well there's lots that I want to achieve this weekend:-

- Finish clearing out dresses - may have more or less finished but i need to make sure i am definitely keeping what i have left and get the rest ready for listing

- sort through of hat boxes - hopefully some ebayable goodies in here :think:

- decide which bit of wardrobe to tackle next - coats or cardigans & jumpers...

- apply new bank account

- apply for 5 new jobs

- complete 5 excel modules (hoping for 2 today)

- complete 2 modules on other course

- package bay of e parcels

- get a grasp of finances

- chase up complaint

- book table for meal out

- contact hairdresser

- home insurance meh! ness

- cashback

- clean downstairs windows internal

- sort out survey stuff

- print uni stuff

DedicatedDFW

I am going to work on modules and spatter breaks throughout them where bay of e listings can be sorted out etc :cool:

First of all i need to get all my money thoughts down on paper so i can concentrate - hopefully!

Not including all the birthdays previously mentioned which are now coming up things i need to pay out for from this wages and before being paid again are:-

- Owe Mr £350

- Credit Card bill approx £430 - will know exact amount after finished making necessary purchases on it this week

Plans for credit card repayment are: - £259 from wages
Reimbursement and cashback - £110
Bay of e sales

I will need to spend on the credit card again in october - this should be for usual travel expenses £145.40 and then the car tax and THE HOME INSURANCE

- Car tax (can't remember amount ) Pay on credit card. Undecided whether to buy 6 or 12 months here - guess if nothing else is going on the card then 12 months depending how much it is - dratt!! just remembered another card item!! so maybe just 6mths then???

- home insurance - not sure how much needs pricing up and i will be contributing half of the bill....

- hairdresser - all other beauty treatments have been cancelled (not that i had many or often) £45 it is necessary to keep my barnet under control! £45 to find

- £300 still needed for things i committed to a long time ago expecting to be able to afford it / be in a better position financially now

£258 from wages £42 left to find

DedicatedDFW

At the moment the only way i can think to get the money in to pay for all these things is by listing items on the bay of e and sticking very strictly to the food budget.

I cannot cancel the events where i need £300 for so this is just not an option.

I have just photo'd and written the description for 2 items so a long ways to go if i've any hope of trying to catch up on the deficit this month :eek: I am trying to avoid paying for some things on my credit card like i did last month and using the cash i would have spent for other things as it is just delaying paying it back - if it becomes necessary to do this though then of course i will.

On the food shopping front i spent more than i had budgeted for yesterday :eek: I went to 2 shops - 1 as an item i needed was cheaper there - inevitably there were other things i always need (scourers) or have needed for some time and not got round to buying that were there so there were purchased. Still not so bad and wpuld have come in on budget except there was £xx off £xx spend which i decided i would take advantage of. In some ways i was good and bought things i knew i would need to buy next week - cheese, butter, crisps for mr, But i also bought some garden items which we have needed for a long time and which will again make the whole place feel nicer - these were reduced by over 50% and, in a way, were free due to the discount voucher. I will of course be trying to cut back the next couple of weeks spends to make up for this though...

Right back to it!

DedicatedDFW

Last week i listed 16 new items on the bay of e and this week i am up to 8 - got a few more bits to be going on with tomorrow but also need to be decluttering more stuff.

I've got 2 modules of excel done today and also 1 module of the other course which took a lot longer than i had expected.

I've been for a run and tidied for 5 minutes in the garden - just leaves me with 55 minutes to go there then :cool:

Didn't get the cleaning of windows done but did get some tidying away of things done which is good.

Think i'll tackle cardigans and jumpers tomorrow - though not sure how much there'll be to part with as i don't have many...

Finished the dress declutter and got rid of less than i thought i would as a couple of things do fit and look fab on so silly to get rid of them for pennies when they cost quite a bit - although i have had them over 10 years so i have had my moneys worth out of them

Still need to finish the hat box declutter but have made progress here and sometime you just think ... why did i keep this for so long Oh well! At least they are going now :T

Birthday news is its all a bit meh! typical really Added to that is the people who always give me money (like a tenner - we're not talking loads) have now said this year they'll buy me something instead. Which will be lovely and of course nobody has to get me anything just means there won't be the money there to put towards any shortfall / essentials

DedicatedDFW

Made myself have a lie-in this morning and feel better for it

Have washed pots, baked some cookies, done 1 lot of washing thats now drying and listed 3 more items on the bay of e.

Need to be sorting some more stuff out today - will need to finish the hat boxes today - last night had to get into bed so just popped everything back in Will tackle cardigans and jumpers next.

Upset myself by looking at some mortgage info on-line If i could change providers then I'd be paying over £100 less each month although of course i wouldn't as that £100+ would just be paid to the mortgage as an overpayment oh to be on a lower interest rate

Need to pay off this debt get back on an even keel with all financial things as listed yesterday and then can focus on the mortgage :cool:

DedicatedDFW

4 more items listed...

PositiveBalance

DedicatedDFW wrote: »

PB!!! :j:j Lovely to hear from you Ooh all sounds very intriguing :cool: - hope you are a good busy rather than a bad busy - can't wait to hear your news

Really is good to hear from you - i've been wondering how you've been getting on, you've been missed

Thanks, hon. The exciting news is that I'm buying a house! :j

It's been manic to put it midly, and my laptop packing up has been an issue for internet access (only have my phone otherwise, gah!), hence why I've not been round much.

I'll be back properly as soon as soon as I get the laptop working again.