22 months to work, dig, tidy and declutter my way to debt freedom

DedicatedDFW

hi p&f

woo! you sound very motivated which is great i have a few new bits to get onto the bay as well - shall we have a mini challenge?

peaceandfreedom

DedicatedDFW wrote: »

hi p&f

woo! you sound very motivated which is great i have a few new bits to get onto the bay as well - shall we have a mini challenge?

Could do, DDFW, what do you suggest - I'll let you decide .

peaceandfreedom

Well after that burst of enthusiasm, I came down with some dreaded lurgy which kept me out of action for a few days . Then yesterday I came down with one of my low moods again, seem to be getting them much more often lately. Possibly due to getting-old hormones, possibly due to eating too much rubbish.

I have allowed the quality of my diet to take a nosedive, I am taking too little exercise and I am getting very fat. This is depressing in itself. When I get into one of my moods, I wallow in regrets, trying to relive my entire life and even as I am doing this I know it is utterly futile.

Anyway, I've snapped out of it today, luckily these moods don't last long . Today I will be mostly weeding :dance: with an odd :coffee: thrown in .

peaceandfreedom

I need to start doing some proper targets instead of these wishy-washy plans that don't come to anything. However first, I thought I'd do a quick summary of August:

Total debt................£10779
of which CC debt is.....£4779
Debt reduced by:.........£360
Months to DFD:..............20

Bags of rubbish taken to tip/recycling: 7
Bags of stuff to charity shop: 3

Items sold: 0
Extra income: 0
Budget savings: 50

The debt reduction amount needs to be higher and although I have room in my budget for this, I have allocated the funds to some urgent house-repair work first. In January, I expect to be able to change this and increase the debt payments. Meanwhile, I really need to concentrate on raising more funds (DDFW, I need you to give me a kick up the backside with the ebay challenge ).

Will come back with proper targets for September tomorrow.

peaceandfreedom

Well yesterday I managed to Kondo a large number of weeds from the garden - boy did it need it! It was a glorious sunny day, really enjoyed myself out there, like the summer we should have had but didn't .

Am currently enjoying a coffee and a square of chocolate, before getting back to work. Have a good day all .

jwil

Looking good P&F

Any sales yet?

peaceandfreedom

jwil wrote: »

Looking good P&F

Any sales yet?

Errrm, to have sales one would have to put something UP for sale .

One day, one day I will surprise you all (and myself) by actually selling something!

peaceandfreedom

Good afternoon all .

It's been a busy week work-wise and I have been very tired. Not done a lot either, and have very little to report .

I am keeping well within budget this month for everything so far, and have managed to find another £50 to send to one of the CCs. That's coming down nicely but I want it to be faster.

Yesterday, I redeemed a voucher in Mr A's and while on my way back to the car I wombled two large receipts. Entered these in and have bagged myself another £4.50 worth of vouchers from their price gu@rantee. It meant my shop yielded a considerable profit, must do a bit more wombling .

It's been raining all morning but the sun has come out now. Not quite sure what I'll do with myself today, there's so much to do. Best get on with it .

peaceandfreedom

I keep saying I'm going to do targets but I never do because I never seem to find time to sit down and decide on targets. So instead, I am going to do some entirely random targets based on nothing concrete whatsoever. I reckon that's better than no targets at all.

After that I will try to come up with some proper plans for the next six months or so.

May I first of all say that I am inspired by Jwil and DDFW here who are both so good and making targets and actually working towards them :T. I am shamelessly nicking some of their ideas but on a much more modest level.

SO, targets for September:

• Declutter: 100 items
• Sell: 20 items
• Pay off: £50 from a CC (on top of the usual monthly payment and the extra 50 already sent)
• NSDs: 7

There are so many other things to aim for but that'll do until I get myself more organised.

peaceandfreedom

Brrrrr!!! What a cold day it's been, was really chilly at work today. I think summer is well and truly over .

An update on my impromptu targets:

• Declutter: 0/100 items
• Sell: 0/20 items
• Pay off: £0/£50 from a CC (on top of the usual monthly payment and the extra 50 already sent)
• NSDs: 2/7

Not exactly stellar progress but at least I haven't spent anything .

Gotta go, we haven't put on the heating yet and it's cold. Off to bed with a hot water bottle and nice hot drink :coffee: