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  • FIRST POST
    • benbenandme
    • By benbenandme 29th Dec 17, 5:01 PM
    • 10,548Posts
    • 27,510Thanks
    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 3
    • benbenandme
    • By benbenandme 1st Jan 18, 2:24 PM
    • 10,548 Posts
    • 27,510 Thanks
    benbenandme
    So we got a draw, not too bad away from home, another point nearer to safety

    The ironing is done, time for some rather late lunch
    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, 2:39 PM
    • 1,893 Posts
    • 11,183 Thanks
    Florence J
    I was watching your game BenBen, my OH asked me who I wanted to win (since despite supporting Bristol City I am from Worthing which is very close to Brighton) and I said 'I know it should be Brighton but one of my MSE friend's supports Bournemouth and I don't want them to be upset...
    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, 2:41 PM
    • 10,548 Posts
    • 27,510 Thanks
    benbenandme
    Aww thankyou Florence It wasn't a great game at all, we've got several players out injured at the moment and it showed. It was all a bit lethargic and certainly not a classic, but all points count
    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, 8:33 PM
    • 10,548 Posts
    • 27,510 Thanks
    benbenandme
    So day one of the new year done and it's time for my 3 reasons to be thankful ...

    • Bournemouth got a point away from home
    • A very enjoyable pj day!
    • Payments have been made to my brothers fund and my 2018 fund today and it's been a nsd!


    Tomorrow is back to school day for both of us so it isn't a particularly happy household right now, but I'm sure it will all go fine. I've had my bath and got into bed nice and early with the laptop. It will be nice to see colleagues again tomorrow.
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • benbenandme
    • By benbenandme 2nd Jan 18, 5:12 PM
    • 10,548 Posts
    • 27,510 Thanks
    benbenandme
    Hello all, I survived the first day back, I had a rubbish nights sleep last night and did that stupid thing of trying to have an early night and then kept tossing and turning until gone 1am Anyway, the day went fine and it's one day nearer to the weekend

    After work I nipped to Sainsburys as despite buying all that reduced stuff the other day I forgot to get anything out of the freezer this morning. I got ds a pizza and I'll have something on toast (had a cooked lunch at work, paid for by them). I also picked up a couple of items that were free on checkoutsmart; 4 organic stock cubes (£1.80) and a bag of stevia sugar (£4.20) so £6.00 worth of freebies there

    Thank you to whoever the kind person was who used my shopmium referral code, that's another £4 added into my account there

    I am nearly at my swagbucks target for today too, so tonight should hopefully be a relaxed affair with some dinner, a bath and an early night with a little laptop mooching chucked in somewhere too
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • benbenandme
    • By benbenandme 2nd Jan 18, 6:25 PM
    • 10,548 Posts
    • 27,510 Thanks
    benbenandme
    My December daily target bonus is in for Swagbucks (593) and it's meant I can claim another £5 paypal already So that's £10 in 2 days, woohoo!! it will slow down now but it's been a great start
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • benbenandme
    • By benbenandme 2nd Jan 18, 8:41 PM
    • 10,548 Posts
    • 27,510 Thanks
    benbenandme
    £12 profit from a games offer
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • benbenandme
    • By benbenandme 2nd Jan 18, 9:34 PM
    • 10,548 Posts
    • 27,510 Thanks
    benbenandme
    My three reasons to be thankful today are:

    • Neither of us overslept today on our first day back
    • I used a yummy bar of aromatherapy soap in the bath that I was given for Christmas and now I smell clean
    • The lady who sits opposite me at work brought in all the quality street that don't get eaten in their house for me ... the orange and strawberry creams The best two in there!!
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • pennywisepoundstupid
    • By pennywisepoundstupid 2nd Jan 18, 9:47 PM
    • 4,798 Posts
    • 16,349 Thanks
    pennywisepoundstupid
    I also only eat the strawberry and orange creams in quality street.
    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
    • benbenandme
    • By benbenandme 3rd Jan 18, 8:59 PM
    • 10,548 Posts
    • 27,510 Thanks
    benbenandme
    So today has been rather uneventful but I'm fine with that, in fact I kinda like these sort of days. all rather run of the mill, nothing unexpected happened, it all ticked along nicely and it's chilling-after-my-bath time in our house again

    My 3 reasons to be thankful today are:

    • Today was a nsd
    • I had a lovely thank you card from a parent today, rather rare in our job but hugely appreciated
    • I got 70 sb's for the quickest survey ever on Swagbucks, it literally was about 4 questions and got me to my daily target super quick
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • benbenandme
    • By benbenandme 4th Jan 18, 7:57 PM
    • 10,548 Posts
    • 27,510 Thanks
    benbenandme
    Today was another normal day at work, after school ds and I went shopping as he has been growing again and literally nothing fits him Anyway, he settled on a new hoodie, he doesn't cope with shopping for long so we will do it in bits. £40 for his hoodie but it is very nice and he does live in them, so definitely gets the value from them.

    I also spent £7 on a pair of black heels for me, in the sale, I'm going out on saturday night for a friends birthday and needed some heels but didn't want to spend much. They are very plain black heels but will be fine with black jeans and certainly didn't break the bank

    In other news I have been accepted for a campaign with carquids ... basically they fix some adverts to my car for a local estate agent, they stay on for 2 months and they pay me £110 Happy days, it doesn't inconvenience me and it's easy money I have the ads fitted on Saturday 13th
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • benbenandme
    • By benbenandme 4th Jan 18, 8:17 PM
    • 10,548 Posts
    • 27,510 Thanks
    benbenandme
    £5 payout from prolific, that gets added into my brothers fund (surveys).
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • benbenandme
    • By benbenandme 4th Jan 18, 8:26 PM
    • 10,548 Posts
    • 27,510 Thanks
    benbenandme
    My three reasons to be thankful today are:

    • Mortgage payment has gone out for this month and it's knocked me down into the £72k's
    • Accepted for the car ad campaign £££
    • A bath and am tucked up in be nice and early
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • stressedaah30
    • By stressedaah30 4th Jan 18, 9:07 PM
    • 1,313 Posts
    • 10,946 Thanks
    stressedaah30
    i like your 3 things to be thankful for. i watchjeff brazier his minute of gratitude a day he does on twitter. ive started doing this thinking to myself before bed even if its something as small as the kids not arguing

    i love a new diary too mine was all nice till dentist cancelled and rearranged so already got messy scribbling out
    good luck with your targets the car advertising sounds intresting
    JAN WINS- pepsi tshirt,
    • Eager_Elephant
    • By Eager_Elephant 4th Jan 18, 9:12 PM
    • 4,408 Posts
    • 25,259 Thanks
    Eager_Elephant
    My December daily target bonus is in for Swagbucks (593) and it's meant I can claim another £5 paypal already So that's £10 in 2 days, woohoo!! it will slow down now but it's been a great start
    Originally posted by benbenandme
    Can I be nosy please benben?

    Is there a reason for you taking Paypal and not Amazon vouchers?

    I am just getting back into SB and will be at payout soon and cant decide whether to take Paypal which needs more points but is ready cash or whether to take Amazon vouchers and then pay myself back from other pots as and when I use them (like you do).
    I know at the moment there is a sale on so Paypal is not that many more points than Amazon at the moment but presume the sale will end soon.
    Ninja Saving Turtle No. 17 for June
    NSD - 8/20
    (up to 16/6/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • benbenandme
    • By benbenandme 4th Jan 18, 9:43 PM
    • 10,548 Posts
    • 27,510 Thanks
    benbenandme
    EE - I did Amazon vouchers before xmas as they were on sale but I find this time of year I don't buy much from Amazon so I can't claim the cash from other pots if that makes sense? Later in the year I will probably go back to Amazon vouchers again but for now want to get some cash in the pot

    Stressed ... I'm liking it too, it makes me reflect on the day and smile about silly things
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • Auntyem
    • By Auntyem 4th Jan 18, 9:52 PM
    • 233 Posts
    • 250 Thanks
    Auntyem
    Hi Benben, old time diary reader here and want to thank you for all the motivation from reading your brilliant progress. Also wondered if you have heard of the "lucky numbers bingo" loophole/strategy on certain bookie sites? I have managed to make a bit from this recently despite being an existing customer. If you remember the bingo britain offer from a million years ago it is similar.
    • benbenandme
    • By benbenandme 5th Jan 18, 6:25 PM
    • 10,548 Posts
    • 27,510 Thanks
    benbenandme
    Thank AuntyEm, I haven't heard of that but I do remember the Bingo Britain offer and that was fab! I will investigate

    I had an okay day at work today but have come home to a phone call to tell me one of my housemates from uni passed away yesterday. Sh had lung cancer but was doing really well, I spoke to her last week and she'd had her latest scan results back and they were good, but she picked up an infection and went downhill very fast The funeral is on Sunday as she was Jewish, so I will be going there this weekend. Rubbish start to the weekend
    Mortgage Total: £75,000 £71,820 Mortgage End Date: May 2040
    Brother's loan: £12,470 / £30,000
    2018 Fund £279
    • beanielou
    • By beanielou 5th Jan 18, 6:35 PM
    • 55,072 Posts
    • 220,093 Thanks
    beanielou
    So sorry to hear about your friend
    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.
    • ramblehan
    • By ramblehan 5th Jan 18, 7:37 PM
    • 614 Posts
    • 1,255 Thanks
    ramblehan
    You sound like an inspiration. Good luck with your plan. XXX
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