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

DedicatedDFW

brizzledfw wrote: »

DDFW

I am so sorry to hear that you can't share your troubles. I didn't, for a very long while, and it's such a relief now it's shared, particularly as they were run up jointly and for family things.

I do understand though. But do what is best for you emotionally. I do think you have a tendency to be very hard on yourself and if work is struggling to pay the bills then dont hold back - use the savings. As PB says I think you will always try and be frugal so thats a lesson hard learnt and that learning won't ever leave you I am sure.

If I had a way out right now I think I would use it..but a DFD of the end of this year or early next is looking good right now and the bit of 'hair shirt' behaviour is teaching me lots of good things! I am not sure I would have changed anything over the last 4.5 months since the LBM came again and stayed on ..:D

Hi brizzle and thank you again for the encouragement and support Of course i would still like to have the well paid job (redundancy from that caused debt as noted above) BUT i am also so very glad of the lessons i have learned re. cutting back to what is needed, using / mending / re-using things we have, not spending unnecessarily or without really thinking :eek: Although i have been known to have 1 or 2 splurges Debt free target date for me is also end of the year although as i mentioned i am a few hundred short on that at the moment. We will see where the bank balance lies on payday before i update my sig and then the real last push will begin. If there are no other unexpected bills and i don't spend a single penny out of place and the little extras i'm hopeful of (shaving £5 off shopping etc.) IF all that works out i'd hope to get enough together from selling stuff on the bay of e to make target.

We can cheer each other on and celebrate a debt free new year - that would be lovely

DedicatedDFW

It was absolutely lovely to come home and read all of the lovely messages on here - thank you so much Especially as i had a particularly pants day at work :mad: Really need to get a new job!! Got an application i need to try and do tomorrow - bit put off by the short contract on it though so need to think that through a bit - as previously mentioned i'd need to pay all my bills income or not... :think:

In an attempt to motivate myself i've been doing bursts of studying broken up with bursts of decluttering - i have got rid of quite a bit of stuff - binning useless items, getting a small, low value, collection of bayable items together - but it all helps :cool: and generally making things easier here - can now open my bottom drawer without a fight :T It is surprising how i can part with more and more these days - have got rid of some largish low value items to the carboot pile and the place where they had been are now looking a bit bare :eek: Still if they are not useful or are not loved / beautiful then they have to go - sure i'll get used to it although its less space and more bare at the moment if that makes sense? This is of course only in small areas - like the top of bedside cabinet etc.

Got quite a few small storage items done so that is good - of course it still leaves the biggie of the wardrobe to tackle again :eek: It will get done

jwil

:wave: I'm back

Loving all the plans for the future, you can do it DDFW! My DH doesn't know either so I'm with you on that one

PB sorry to hear about your house and job, what a pants few days. Hope it all works out better in the end.

Got lots to catch up on now

DedicatedDFW

So glad you are back jwil We'll both clear the debts without our Mr's knowing

DedicatedDFW

Urgh! I am having a completely bleurgh! filled day today - just turned comp off but then thought i'd come on here in an effort to try and motivate myself.

Bleurgh because i am overweight - I *will* start exercising again this week AND each week / 2 weeks i will introduce a new good habit - so next weeks nice and easy one is to drink 2 litres of water per day

Bleurgh because this house is not how i want it to be or what i want to be my forever home - Positives here are that I have a mortgage :cool: On the bright side this - as with my current income i would not get a mortgage and i won't say how much my income x is to the mortgage but it is :eek::eek::eek: - I *am* consistently overpaying the mortgage each month - this overpayment will increase when my debt is gone giving me more equity, better lending choices (can't remortgage with my income and ltv) and a chance to decide what the next move will be
In the meanwhile i need to make this house the best it can be - decluttering has been cranked up and i will do 1 extra cleaning task each week This week *will* be the utility window including frames etc scrubbed clean and then window cleaned too

Bleurgh because i don't like my job - i *will* apply for the vacancy i have seen and i *will* look for a new job each week

Bleurgh because i have a couple of small courses i need to find time to finish - i *will* complete 1 module each week and make the time to do this

Bleurgh because i am struggling with my ou course - i *will* push myself on this assignment, focus as much as i can on the course and after this assignment (as just no time now to read it) contact tutor for additional reading

Bleurgh because of the debt - i am decluttering to try and sell stuff to get the funds in - also need to have a chat with my mr about something else which may free up some pennies

Bleurgh because i feel i am in a rut and i need to break out of it - all of the above should help :cool:

DedicatedDFW

I am going for bite size pieces of study followed by a declutter and a quick pop on here

I have decluttered at least 15 items from my wardrobe today - hopefully all ebayable - hoping for a flw AND bidders - had a few items end today with multiple watchers on each - and only 1 sold for a little over the 99p start price - it had 12 watchers!! :eek:

Also got a few carbooty bits together as well as too big / not suitable for bay of e. So a good few bits to leave the house too.

Must put some sort of schedule together - thinking sunday for my [STRIKE]plod[/STRIKE] run and satday for 1 module :cool: - Someone nudge me on this please - I will feel better for doing it and the studying should help on the job front :cool:

has anyone seen chocs around - i have missed her posts for a while now - if you are reading and not posting hope you're ok chocs xx

brizzledfw

Sorry you're in a rut DDFW..if I am honest I feel a bit the same. Not cooking on gas at work..well it probably looks as if I am ..but I know I am not.

How about pushing on together? Let's celebrate that NYE DFD in style and..I will run over the weekend if you do too

PS great to see you posting again jwil

DedicatedDFW

Thanks brizzle Exactly the kind of thing i need a 'virtual' running buddy :j - i am planning my run for sunday morning or early afternoon and i will report in here after Aim is 3miles *gulp*

Sorry to hear you're feeling in a rut too - hope you are ok ? x

brizzledfw

You're on. I will do 3 or so miles too:)

Report back at the end of the weekend?!!

Hope you're well..any news on the job apps?

DedicatedDFW

Urgh! comp crashed an i lost a post ok -

In an attempt to pull my socks up a bit and get on with things I've prepped 35 items to list on the next FLW - not the most difficult item - not sure if thats because once i've lifted it out its nowhere to go so just going to list it on the day or if i'm being a bit procrastinatey - see next point

I've checked where i'm up to on 2 of 3 courses - 3rd ones easy (barely started )

Easy course 1, and assessed as complete each module - less than 2 modules to go

Hard course 2, 7 modules to go and just 1 final assessment over the whole 35 modules :eek:

Super massively difficult course barely started

So i think i'll complete them in the order i've listed them in - a module or 2 hours a week whichever is greater :cool: Easy one because it is an easy win, it'll get it out of the way so i've less cluttering up my mind and then onto 2 and then 3. Any views if i should tackle this differently let me know

Put in an application for a job - not my best application as its one of those forms that take about 2 hours at least and i was pushed for time to submit by the deadline BUT - big plus is i've got all the easy but time consuming bits of the form completed - next time there's a vacancy i can just focus on the 'how i meet the criteria bit'

And so it jumps out Work on this bit each week to get good paragraphs together

can anyone else tell i've lost my diary ?

And i've been drinking quite a bit of water too