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  • FIRST POST
    • benbenandme
    • By benbenandme 29th Dec 17, 5:01 PM
    • 10,521Posts
    • 27,449Thanks
    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 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
Page 12
    • benbenandme
    • By benbenandme 10th Mar 18, 7:56 AM
    • 10,521 Posts
    • 27,449 Thanks
    benbenandme
    So a rather early morning this morning, I couldn't sleep due to stuff going on at work again

    So far this morning I have stripped my bed and remade it, brought all the washing / cups / shoes etc down from upstairs and put them in the appropriate place downstairs. I have tidied the lounge and kitchen, opened a few windows to get some fresh air in and now am catching up on here for ten minutes.

    I need to take ds to the station in an hour or so to get the train to his Dads, then I need to pop round to drop off a birthday present. Other than that I'm not too sure what today's plans involve; I did think I'd go for a walk and do some job spotting but at the moment it's hammering down with rain so I may re-think that.

    Tomorrow is Mothers Day so I need to sort out something for Mum. I'll be watching my footie, we've got Spurs tomorrow so I don't expect us to get anything from that game but we'll see
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • benbenandme
    • By benbenandme 10th Mar 18, 5:00 PM
    • 10,521 Posts
    • 27,449 Thanks
    benbenandme
    4 profit from a cheeky bet on this afternoons football
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • benbenandme
    • By benbenandme 11th Mar 18, 1:50 PM
    • 10,521 Posts
    • 27,449 Thanks
    benbenandme
    And another 5 Amazon voucher has been ordered
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • Smart Mart
    • By Smart Mart 15th Mar 18, 9:48 PM
    • 1,371 Posts
    • 2,418 Thanks
    Smart Mart
    4 profit from a cheeky bet on this afternoons football
    Originally posted by benbenandme
    Did you bet against Bournemouth then?

    I went to the match as I've just started working for Opta Sports as an analyst and they gave me this fixture. Lovely club that really look after people there. I'll be down there again this Saturday for the West Brom game too hopefully.
    • benbenandme
    • By benbenandme 17th Mar 18, 9:07 AM
    • 10,521 Posts
    • 27,449 Thanks
    benbenandme
    No, it was on one of Saturdays games I thought we did really well in the first half last week, but my prediction for the result was spot-on so no surprises.

    Hopefully 3 points today but we do have a tendency to slip up in the so called easier games.

    Today we are going to ds train club, then some revision as he has exams this week, a bit of footie watching via the sofa then I'm out for a friends 40th tonight and ds is staying at Mums.

    I have a few other bit and pieces to fit in today too but nothing too tricky Swagbucks goal has been reached already too
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • benbenandme
    • By benbenandme 17th Mar 18, 10:20 AM
    • 10,521 Posts
    • 27,449 Thanks
    benbenandme
    So this week has been long and tiring, a member of our team is signed off and I'm picking up quite a bit of her work. We also had parents evening this week and I came home shattered.

    The next night I came home to the best surprise of my life ... ds had noticed I was tired and had decided to come home from school and tidy the house for me He'd tidied through, emptied and reloaded the dishwasher and hoovered

    I was so so happy and it's still making me smile It's also made my saturday morning house list much quicker and easier this week, so I have so far managed to clean the bathroom, clean the downstairs loo, clean the hall, tidy the lounge, tidy my bedroom, filled the dishwasher and it's doing it's thing, second load of washing is in, windows are open in every room and there is very fresh air coming in

    Still to be housework wise: finish clearing the washing mountain, hoover through, clean the conservatory, clear the paperwork pile, clean the kitchen. I also want to empty the junk out of the car, fill the windscreen washer thing, go to the Post Office and do my Super 6
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • superpup
    • By superpup 17th Mar 18, 11:23 AM
    • 559 Posts
    • 895 Thanks
    superpup
    That is so lovely, what a star
    • beanielou
    • By beanielou 17th Mar 18, 8:27 PM
    • 53,939 Posts
    • 213,716 Thanks
    beanielou
    Gold star to your DS

    Enjoy the 40th.
    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.
    • Drawingaline
    • By Drawingaline 18th Mar 18, 1:04 PM
    • 425 Posts
    • 1,427 Thanks
    Drawingaline
    Wow, is there hope for my kids then?
    • Smart Mart
    • By Smart Mart 18th Mar 18, 3:24 PM
    • 1,371 Posts
    • 2,418 Thanks
    Smart Mart

    Hopefully 3 points today but we do have a tendency to slip up in the so called easier games.
    Originally posted by benbenandme
    And very nearly did again. Awful first 70 minutes then Ibe's goal went in, the crowd really got behind them and bang, Stanislas smashes in a free kick.

    Still, a 2-1 win is a 2-1 win, no matter how it goes.
    • benbenandme
    • By benbenandme 18th Mar 18, 4:37 PM
    • 10,521 Posts
    • 27,449 Thanks
    benbenandme
    Yep definitely not a classic, but three points is what matters. Last week we played great and got nothing, this week we were poor and won

    So today has been a very lazy day - last night a friend came back after our night out and left at 4 this morning. I am so tired now, ds came home and woke me up at about 8.30, so very little sleep was had

    I have managed a nap on the sofa but I still haven't got dressed yet. It was looking like a surefire snow day tomorrow but the snow has melted quite a bit and we've had a text to say at the moment they're planning on opening school unless we get significant snow tonight. Best snow dance moves being prepared in our house right now
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • benbenandme
    • By benbenandme 20th Mar 18, 7:19 PM
    • 10,521 Posts
    • 27,449 Thanks
    benbenandme
    Snow disappeared so has been a normal week at work after all. It's only tuesday and it's been a long week already

    5 from my tsb account today, added to the pot

    Tonight I need to do my tesco order as the cupboards are bare
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • benbenandme
    • By benbenandme 24th Mar 18, 9:39 AM
    • 10,521 Posts
    • 27,449 Thanks
    benbenandme
    And another weekend rolls around ... today is our one year anniversary of living in the house Funnily I don't miss the flat at all, despite it being a huge part of who I am. It's not been a bad year, let's see what the next 12 months bring

    Today will be a quite chilled day, with the usual load of housework. We break up for Easter on thursday lunchtime, so only 3.5 days to get through at work this week

    There's no premier league football today so I am a bit lost but am sure I'll find something else to fill my time with
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • benbenandme
    • By benbenandme 25th Mar 18, 9:36 AM
    • 10,521 Posts
    • 27,449 Thanks
    benbenandme
    So,the housework is pretty much done, there's not footie again today so I have managed a bit of a lie-in and after some mooching on here have decided that today I need to check the finances, clear all the surveys from my inbox and revisit the moneymaking plans for the year. I need to see if I'm still on track and look for ways of increasing it as I feel at the moment I'm plodding a bit with it.

    I think I am going to concentrate on referrals for some of the sites I use - I know I make regular money from them and if I can find others who want to do the same then we both benefit. So I will be listing all my referrals here (again!) for anyone interested in any of them, and will be looking for other areas to find people too

    I've only got 3.5 days left at work then we get a couple of weeks off so this will be a focus for the next few weeks.
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • beanielou
    • By beanielou 25th Mar 18, 11:51 AM
    • 53,939 Posts
    • 213,716 Thanks
    beanielou
    Not long til half term
    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 25th Mar 18, 12:05 PM
    • 10,521 Posts
    • 27,449 Thanks
    benbenandme
    Nope, very much looking forward to it,one of my colleagues has been off sick for about a month so I've been extra busy
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • benbenandme
    • By benbenandme 25th Mar 18, 12:37 PM
    • 10,521 Posts
    • 27,449 Thanks
    benbenandme
    The final 77 has been paid in for the stickers on my car, so altogether that has earned me 150 for driving around for 2 months with some advertising on my car

    I've also cashed out 5 amazon voucher from i-say (ipsos)
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • benbenandme
    • By benbenandme 25th Mar 18, 1:44 PM
    • 10,521 Posts
    • 27,449 Thanks
    benbenandme
    And another 5 amazon voucher from swagbucks has been redeemed
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • benbenandme
    • By benbenandme 29th Mar 18, 7:26 PM
    • 10,521 Posts
    • 27,449 Thanks
    benbenandme
    And so it's finally the end of term and a 2 week break from school This final week has been pretty rocky, ds has had his usual end of term meltdown and we've had a few sticky moments.

    So today (we finished at lunchtime) we've been to Sainsburys and got a few bits, made spaghetti bolognese and been to the train station for a bit. Tonight will be spent just chilling out
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • beanielou
    • By beanielou 29th Mar 18, 8:10 PM
    • 53,939 Posts
    • 213,716 Thanks
    beanielou
    Happy holidays.
    Hope that you can relax and chill.
    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.
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