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  • FIRST POST
    • benbenandme
    • By benbenandme 29th Dec 17, 5:01 PM
    • 10,547Posts
    • 27,499Thanks
    benbenandme
    2018 Benbenandme's Next Battle
    • #1
    • 29th Dec 17, 5:01 PM
    2018 Benbenandme's Next Battle 29th Dec 17 at 5:01 PM
    Hello It's that time of year for another new diary ... I'm not a newbie, I've been around these parts for years, never quite knowing whether I should be on here or the Mortgage Free boards, but after much consideration I have decided to return here for my next diary installment.

    I have previous chapters of my journey on here, but a brief history of my last ten years is as follows: I am a single parent to a 14 year old boy with ASD. I love him to bits, he is my whole world, but causes me a great deal of stress and worry too We have been living in a flat for the last 10 years and I have worked hard to clear my mortgage on it. In March this year we finally moved into a small house, which is lovely, and near my Mum. My brother lent me £30k to help get the house which is my 'debt' that I am paying back. The monthly budgets are stupidly tight, partly as I want to get it paid asap even though he is in no hurry for it back.

    Looking further ahead ds is in year ten so only has 18 months until his GCSE's. After this he wants to do an apprenticeship which, from a financial point of view, means my child benefit, tax credits and child maintenance will stop , meaning a drop in total income from approx £1900 to approx £1200 So, this year could potentially be my last one with this extra income, so I need to maximise the potential ...

    My next post will list my SOA and my plans for 2018, please stick around for the ride, all help, support and thoughts are appreciated and very much welcome
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
Page 2
    • benbenandme
    • By benbenandme 30th Dec 17, 9:15 PM
    • 10,547 Posts
    • 27,499 Thanks
    benbenandme
    I've spent a couple of hours checking all my accounts and getting bits and pieces sorted, I love this bit of the year best, all new notebooks and plans and stuff

    So some bits will fall into place each month on payday, I need to transfer the £350 from my wages into my brothers fund, the rest will be chipping away in small chunks - never ending surveys, ebaying random stuff I don't have a need for anymore, perhaps a bit of wombling here and there, who knows, that's what makes it interesting, the unknown pennies and pounds that get added into the mix

    We managed to hang on for three points in the football too, so that's a positive start to the New Year for me too.

    One other habit I want to get into this year was recommended to me by an educational psychologist at school, she suggested it for ds but I'm going to adopt it too; I need to think of three things to be thankful for each day, they can be anything but she said its best if its minor insignificant things such as 'Bournemouth winning 2-1 today' (not minor or insignificant to me ), rather than 'I'm healthy' ... it's to help with changing mindset to be more positive. So, I'll start today to get me going with it ...

    1. Bournemouth got three points
    2. Today was a nsd
    3. I don't have to set the alarm clock tomorrow
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • Smart Mart
    • By Smart Mart 31st Dec 17, 11:36 AM
    • 1,371 Posts
    • 2,418 Thanks
    Smart Mart
    Happy New Year, BBAM, and great to see a new diary. Don't post so much these days but still follow with interest and get the occasional spark of inspiration from your posts.....
    • benbenandme
    • By benbenandme 31st Dec 17, 12:01 PM
    • 10,547 Posts
    • 27,499 Thanks
    benbenandme
    Hey Mart, nice to see you still here Hope all is well with you and yours
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • benbenandme
    • By benbenandme 31st Dec 17, 12:13 PM
    • 10,547 Posts
    • 27,499 Thanks
    benbenandme
    So this morning I went and did some job spotting, am up to nearly £10 in there but won't cashout now until tomorrow Then I popped into Tesco on the way back to get some bread and I happened to be in there for one of those mythical yellow sticker moments that you read about on these boards I sometimes find the odd thing reduced, but never by more than 20p etc, but today was clearly my lucky day. It was the biggest bunfight known to man but my elbows were sharpened and I joined in with the rest of them My haul was as follows:

    Apple and blackberry lattice pie 28p
    Whole chicken 37p
    Finest stuffing 25p
    Steak pie x 2 18p each
    Diced beef x 2 32p each
    Chicken drumsticks x 4 (ready to eat) 14p
    Chicken drumsticks x 8 22p
    Mixed cauliflower, broccoli and carrots x 2 13p each
    Sprouts 10p (this went through as a 3 for 2 so was free)
    Finest belgian chocolate mousse x 3 8p each
    Carrot & swede for mashing 4p
    4 Chicken thighs x 3 50p each
    Spaghetti bolognese ready meal x 2 11p each
    Raspberry bakewell pudding x 2 25p each
    Puff pastry x 2 12p each
    1.5kg potatoes 10p

    Total amount £5.36

    My freezer is full, we've got a full roast dinner there for today - what a fab way to start the new year
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • pennywisepoundstupid
    • By pennywisepoundstupid 31st Dec 17, 12:22 PM
    • 4,796 Posts
    • 16,327 Thanks
    pennywisepoundstupid
    Some fantastic bargains, well done.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £1000/£349.02 Kitchen savings stage 1 £1500/£160.24
    Amazon vouchers
    £9
    • mummytogirls
    • By mummytogirls 31st Dec 17, 12:28 PM
    • 6,183 Posts
    • 22,712 Thanks
    mummytogirls
    Wow those bargains are brilliant Benben xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • louby40
    • By louby40 31st Dec 17, 1:34 PM
    • 1,363 Posts
    • 3,694 Thanks
    louby40
    Am intrigued as to what job spotting is? never heard of it.

    Well done on the yellow stickered stuff, I rarely pick stuff up like that.
    • benbenandme
    • By benbenandme 31st Dec 17, 2:15 PM
    • 10,547 Posts
    • 27,499 Thanks
    benbenandme
    It's an app Louby, basically whenever you see an sign for a vacancy you open the app, take a picture of the sign and the premises and they give you points for doing so. The number of points ranges from 5 - 100ish, each point is worth 1 US cent. Then you can cash them in (no minimum amount) for Amazon vouchers.

    I tend to go for a walk along local high streets every few weeks, it is surprising how many signs there are once you start looking. It can be shops, restaurants, anywhere really. It's really simple to do and can be done at any time. It gives me a purpose when walking the dog too
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • beanielou
    • By beanielou 31st Dec 17, 3:24 PM
    • 54,970 Posts
    • 219,457 Thanks
    beanielou
    Jealous of your bargains
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • benbenandme
    • By benbenandme 31st Dec 17, 3:54 PM
    • 10,547 Posts
    • 27,499 Thanks
    benbenandme
    Just been adding up what my shopping should have cost if it wasn't reduced:

    Apple and blackberry lattice pie 28p was 2.75
    Whole chicken 37p was £3.37
    Finest stuffing 25p was £2.50
    Steak pie x 2 18p each was £1.65 each
    Diced beef x 2 32p each was £2.89 each
    Chicken drumsticks x 4 (ready to eat) 14p was £2.00
    Chicken drumsticks x 8 22p was £1.25
    Mixed cauliflower, broccoli and carrots x 2 13p each was £1.30 each
    Sprouts 10p (this went through as a 3 for 2 so was free) was £1.00
    Finest belgian chocolate mousse x 3 8p each was 80p each
    Carrot & swede for mashing 4p was 85p
    4 Chicken thighs x 3 50p each was £2.25 each
    Spaghetti bolognese ready meal x 2 11p each was £1.00 each
    Raspberry bakewell pudding x 2 25p each was £2.50 each
    Puff pastry x 2 12p each was £1.25 each
    1.5kg potatoes 10p was £2.00

    Total amount £5.36 was £39.30
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • Smart Mart
    • By Smart Mart 31st Dec 17, 4:45 PM
    • 1,371 Posts
    • 2,418 Thanks
    Smart Mart
    Hey Mart, nice to see you still here Hope all is well with you and yours
    Originally posted by benbenandme
    Was ill over Christmas which was a shame, went down with cellulitis (not to be confused with cellulite!) but on the mend now thankfully.
    • benbenandme
    • By benbenandme 31st Dec 17, 8:36 PM
    • 10,547 Posts
    • 27,499 Thanks
    benbenandme
    Roast dinner was scrummy, it worked out about £1.50 in total for both of us and there's half a chicken left over for dinner tomorrow

    So, we have just a few hours left until this year is done, I reckon now is as good a time as any to do today's 3 reasons to be thankful ...

    1. Bargain yellow stickered shopping haul
    2. I have reached my daily Swagbucks target for the whole month for the first time ever!!
    3. We've made it to the end of another year, pretty succssfully all in all
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • Buffythedebtslayer
    • By Buffythedebtslayer 31st Dec 17, 9:59 PM
    • 15,177 Posts
    • 50,235 Thanks
    Buffythedebtslayer
    Oh Benben I love your diaries

    Happy New Year XXXX
    Frugal Living Challenge, Pound a Day challenge, Sealed Pot Challenge Debt 4990 (March)
    • benbenandme
    • By benbenandme 1st Jan 18, 10:20 AM
    • 10,547 Posts
    • 27,499 Thanks
    benbenandme
    Happy New Year!! I hope you all had a good, and cheap, night last night

    So, 2018 is here and it's now time to get going on the financial goals. I've got a fairly low Swagbucks target today, but there won't be many surveys about as it's a bank holiday.

    Time to cash in the points I've already got and start my pots off
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • mummytogirls
    • By mummytogirls 1st Jan 18, 10:22 AM
    • 6,183 Posts
    • 22,712 Thanks
    mummytogirls
    Happy New Year Benben xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £5419.83 - 08/04/18 - 76.61% paid off
    • benbenandme
    • By benbenandme 1st Jan 18, 10:56 AM
    • 10,547 Posts
    • 27,499 Thanks
    benbenandme
    Thanks Mummytogirls

    So I've transferred the £350 from my wages into my brothers pot and cashed in my first £5 of the year from Swagbucks. I've also cashed in £10 from Job Spotter although this won't be added to the signature yet as it is paid in Amazon vouchers, so this goes into the Amazon pot and then when I need to buy a gift I transfer the money from my gift fund, or if I am buying something for me / ds then it gets transferred from the monthly budget.
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • benbenandme
    • By benbenandme 1st Jan 18, 11:10 AM
    • 10,547 Posts
    • 27,499 Thanks
    benbenandme
    So we were going to take the dog for a walk in the forest today but it's chucking it down, so instead it's looking like a pj and pottering kinda day I have a small list to work through today, nothing too taxing but would be good to get them all crossed off ...
    • Put the xmas decorations back in the loft
    • Ironing
    • Fill windscreen wash in the car
    • Update new diary with birthdays / renewal dates etc
    • Watch footie
    • Swagbucks daily goal
    • Ds homework
    • Eyebrows
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • benbenandme
    • By benbenandme 1st Jan 18, 11:31 AM
    • 10,547 Posts
    • 27,499 Thanks
    benbenandme
    £2 profit from a betting offer, was a very small one but all counts
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • Florence J
    • By Florence J 1st Jan 18, 11:46 AM
    • 1,893 Posts
    • 11,183 Thanks
    Florence J
    Happy New Diary and Happy New Year BBAM!
    Sealed Pot Challenge 11 #553
    £1000 Emergency Fund Challenge #253
    Wombling free 2017 = £2195.92
    Pay off all your debts by Xmas 2017 #53 (£3168.45/£3000)
    February 2018 Credit Card Debt: £3885
    • benbenandme
    • By benbenandme 1st Jan 18, 12:03 PM
    • 10,547 Posts
    • 27,499 Thanks
    benbenandme
    Thanks Florence
    And another £3 profit from a little matched bet, the matched betting money goes into my 2018 fund, I think i might need to do a quick summary of which money goes where or this could get confusing this year

    So, I need £6000 this year for my brothers fund, this will come from:

    £4200 from wages (£350 per month)
    £250 bank offer 1
    £130 bank offer 2
    £82 child benefit (13th payment)
    £290 tax credits (13th payment)
    £200 ebay
    £500 surveys
    £200 swagbucks
    £120 job spotter
    £28 other

    So ant money I make from anywhere else goes into my 2018 fund, this will include:

    matched betting
    Qmee
    Quidco
    bank interest
    car boot sales
    curious cat
    any other apps / unexpected bits and pieces along the way
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
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