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    • benbenandme
    • By benbenandme 29th Dec 17, 5:01 PM
    • 10,496Posts
    • 27,376Thanks
    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 72,249 Mortgage End Date: May 2040
    Brother's loan: 11,594 / 30,000
    2018 Fund 234
Page 15
    • benbenandme
    • By benbenandme 8th Apr 18, 6:55 PM
    • 10,496 Posts
    • 27,376 Thanks
    benbenandme
    Ebay item finished on 33 Off to add to the signature
    Mortgage Total: 75,000 72,249 Mortgage End Date: May 2040
    Brother's loan: 11,594 / 30,000
    2018 Fund 234
    • beanielou
    • By beanielou 8th Apr 18, 8:29 PM
    • 52,817 Posts
    • 207,758 Thanks
    beanielou
    Glad that you had a good day.
    on ebay.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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 8th Apr 18, 10:12 PM
    • 10,496 Posts
    • 27,376 Thanks
    benbenandme
    So, the new fitbit I bought today ... I have been charging it and added a couple of friends, and one has accepted. This was my bestest buddy when I worked in London, she moved to America 6 years ago and she doesn't use social media, so communication has been very limited and has drifted off a lot. Anyway, we've been messaging tonight and it's absolutely made my day - already had every pennies worth out of my new fitbit and it hasn't even finished charging yet

    One of those unexpected but brilliant moments
    Mortgage Total: 75,000 72,249 Mortgage End Date: May 2040
    Brother's loan: 11,594 / 30,000
    2018 Fund 234
    • beanielou
    • By beanielou 8th Apr 18, 10:14 PM
    • 52,817 Posts
    • 207,758 Thanks
    beanielou
    That's great
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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 9th Apr 18, 9:45 AM
    • 566 Posts
    • 1,168 Thanks
    ramblehan
    Ah that's lovely. Love the way technology keeps you in touch with people
    01/03/18: 21,270 DFD: eek: December 2035
    2018 challenge - 114.71/3,670 (3.22%)
    Sign up for YNAB via my link if you fancy it - thank you!
    • benbenandme
    • By benbenandme 9th Apr 18, 2:50 PM
    • 10,496 Posts
    • 27,376 Thanks
    benbenandme
    Today I took ds to work then went shopping as I desperately need new curtains. The ones in the lounge were here when we moved in and I've made do for over a year now but they really are hideous and I need to replace them. They are turquoise with big brown flowers all over them

    Anyway, I never knew how dull shopping for curtains was I gave up in the end, as I was losing the will to live, and came home and will order them online instead. They aren't cheap and there are billions of similar ones, then it's finding the right size, oh my days, never again

    Ds is working til 6 so I've got a couple of hours free until he's home, I can't get any gardening done as it's wet and miserable outside, I have barely made a dent in my holiday to do list and don't really have much oomph to get on with any of it but I must choose one, so have decided to focus on referrals to make some money.

    So I am going to look for ways of increasing my referrals online, eg. local fb groups, I will start by listing all the sites that I use that take referrals in case anyone reading is interested in joining any, then I'll go and look elsewhere to try and find some
    Mortgage Total: 75,000 72,249 Mortgage End Date: May 2040
    Brother's loan: 11,594 / 30,000
    2018 Fund 234
    • benbenandme
    • By benbenandme 9th Apr 18, 3:36 PM
    • 10,496 Posts
    • 27,376 Thanks
    benbenandme
    I will divide them into different categories:

    Survey sites:

    Ipsos mori - pm me if you'd like a referral as I have to send an email link. This site has regular surveys and will give you some points if you are disqualified. Pays out in vouchers, I claim 5 Amazon vouchers from here.

    Prolific - https://www.prolific.ac/p?ref=65DLXHXX
    Quick easy surveys, you don't get disqualified from them, can cash out at 5 (cash), one of my favourite sites.

    Yougov - https://yougov.co.uk/refer/mAgxg5mUR40r31VgMRBjeg/
    Reliable, regular surveys, these are used in political polls etc quite a lot. Pays in , you do need to get to 50 but it's worth it once you get there

    Onepoll -pm me if you'd like a referral as I have to send an email link. Quick surveys, generally for 10p-50p each, payment via BACS or paypal

    Swagbucks http://www.swagbucks.com/refer/bbandme
    Mentioned on an almost daily basis on here, it is my main money earner for very little effort.

    Apps:

    Shopmium - ACMUMGUE - you get a free jar of Nutella This one gives discounts on various food items and some items are free. You just scan the item and the receipt. Fab little app

    Shoppix - 2009D8HQ - Take a photo of your shopping receipt (up to 30 points), 3200 points = 5 Paypal / Amazon / Itunes voucher. This is a really easy one and builds up pretty quickly for very little work.

    Others:

    Circle A bit like paypal but with lower fees, this one is great if you sign up to prolific as it's cheaper to withdraw to this than to paypal. Please PM me if you want a referral, I can't log on at the minute as I need a verification code from my phone and I've got no signal at home You get 5 from joining I believe.

    Quidco - https://www.quidco.com/user/28837/2726117/
    Cashback website, I have been a member for about 10 years and have moved 2700++. I use this when I'm buying insurance, shopping online, ordering a pizza, all sorts! Once you've earned 5 cashback you, and I, get 5 referral bonus each

    Qmee http://qm.ee/XQHBPMIXXVQIS
    When you search for something online qmee will sometimes bring up some boxes on the left of the page, if you click on them you will earn a few pennies. You can cash out your piggybank at any time. Searching on ebay is fab for this It also has surveys available but I don't do them. When you first cashout we both earn 50p.

    Postcode Lottery - https://freepostcodelottery.com/?ref=1756473
    A free daily lottery, if your postcode comes up you win There are various different 'draws' each day and other chances to win cash prizes.

    If anyone wants to sign up to any of these, or wants any help using any of them, please let me know. Thanks in advance
    Mortgage Total: 75,000 72,249 Mortgage End Date: May 2040
    Brother's loan: 11,594 / 30,000
    2018 Fund 234
    • benbenandme
    • By benbenandme 9th Apr 18, 8:02 PM
    • 10,496 Posts
    • 27,376 Thanks
    benbenandme
    Another 6 cashed out from prolific
    Mortgage Total: 75,000 72,249 Mortgage End Date: May 2040
    Brother's loan: 11,594 / 30,000
    2018 Fund 234
    • dangers
    • By dangers 9th Apr 18, 8:45 PM
    • 1,400 Posts
    • 2,646 Thanks
    dangers
    What about receipt hog? Similar to Shoppix - if you!!!8217;re photographing a receipt for one, you might as well do a second.
    • benbenandme
    • By benbenandme 10th Apr 18, 9:13 AM
    • 10,496 Posts
    • 27,376 Thanks
    benbenandme
    I did download that one a while ago but haven't used it, not even sure why, I agree it makes sense to! I will start now

    Today ds is working this morning then we've got Camhs later, then tackling some homework, then friends coming round this evening. Hopefully I'll make a few pennies along the way too
    Mortgage Total: 75,000 72,249 Mortgage End Date: May 2040
    Brother's loan: 11,594 / 30,000
    2018 Fund 234
    • benbenandme
    • By benbenandme 10th Apr 18, 12:41 PM
    • 10,496 Posts
    • 27,376 Thanks
    benbenandme
    My brother has sent me his Amazon wishlist, so I've sorted his birthday present and now can move the money over from the gift fund
    Mortgage Total: 75,000 72,249 Mortgage End Date: May 2040
    Brother's loan: 11,594 / 30,000
    2018 Fund 234
    • benbenandme
    • By benbenandme 11th Apr 18, 8:02 PM
    • 10,496 Posts
    • 27,376 Thanks
    benbenandme
    Today I took another load of garden stuff to the tip and then went and got the car cleaned inside and out, it was filthy so very much needed doing.

    Tomorrow I have my speeding awareness course , ds is at work then he's having his haircut. I did buy myself some trousers in Sainsburys today (16), I need to check they fit.

    This morning I stripped both beds and remade them so am looking forward to getting into a nice clean bed a bit later I managed to get all the bedding washed and dried on the line today too, just needs ironing and that's that job sorted for another week
    Mortgage Total: 75,000 72,249 Mortgage End Date: May 2040
    Brother's loan: 11,594 / 30,000
    2018 Fund 234
    • beanielou
    • By beanielou 11th Apr 18, 8:06 PM
    • 52,817 Posts
    • 207,758 Thanks
    beanielou
    Love a fresh bed
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 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 12th Apr 18, 3:37 PM
    • 10,496 Posts
    • 27,376 Thanks
    benbenandme
    The speeding course was actually really good, hopefully I'll learn my lesson

    Another 5 Amazon voucher claimed from Sawagbucks, a few more plants bought for the garden and the heating is on as I'm freezing today
    Mortgage Total: 75,000 72,249 Mortgage End Date: May 2040
    Brother's loan: 11,594 / 30,000
    2018 Fund 234
    • benbenandme
    • By benbenandme 13th Apr 18, 5:04 PM
    • 10,496 Posts
    • 27,376 Thanks
    benbenandme
    Hospital this morning with Mum and they changed her cast and she's much happier with the new one now

    Ds is off to his grandparents for the weekend tonight, he finishes work at 6 then gets the train at 6.30, so I won't see him other than to ferry him between work and the station. I'm so proud of him, he's worked so hard this holidays and it's also allowed me to get a bit of a rest in

    This afternoon I have blitzed his bedroom from top to bottom, I pulled out all the furniture etc and it was absolutely filthy. It's now immaculate, (not for long no doubt), but at least for a short while

    I need to make him a packed lunch to take on the train with him, he'll be hungry after work. I'll stick a creme egg in there for him too

    Tonight will be spent chilling, maybe a bath and some laptop time I think
    Mortgage Total: 75,000 72,249 Mortgage End Date: May 2040
    Brother's loan: 11,594 / 30,000
    2018 Fund 234
    • HiyaCints
    • By HiyaCints 13th Apr 18, 5:48 PM
    • 2 Posts
    • 6 Thanks
    HiyaCints
    Don't mind me. Fab diary. Subscribing to bookmark your referral links.
    • benbenandme
    • By benbenandme 13th Apr 18, 7:51 PM
    • 10,496 Posts
    • 27,376 Thanks
    benbenandme
    Hi and welcome!

    So ds has been delivered to his train and is on his way to his Grandparents now. A quick M&S ready meal and I'm chilling now

    I'm really pleased I got his room done earlier, I thought it would take hours but it wasn't too bad. I have just looked at the list I wrote myself at the start if the holidays and I've hardly achieved any of it However I have done various other bits that weren't on there. This weekend I would like to get the front garden tidied up a bit, there is football to be watched and general back to school stuff to do
    Mortgage Total: 75,000 72,249 Mortgage End Date: May 2040
    Brother's loan: 11,594 / 30,000
    2018 Fund 234
    • benbenandme
    • By benbenandme 15th Apr 18, 12:31 PM
    • 10,496 Posts
    • 27,376 Thanks
    benbenandme
    Been to Tesco this morning and stocked up the cupboards. Spent 87 which is more than normal but that included new socks etc for ds and a new lunchbox for me.

    Tomorrow is day one of being healthy again, back on my fitness pal, doing my 10,000 steps a day and shifting some weight before our holiday

    Mum needed a couple of bits ordered from Amazon so I have paid with my vouchers and she's giving me the cash so that can be added to my brothers fund.
    Mortgage Total: 75,000 72,249 Mortgage End Date: May 2040
    Brother's loan: 11,594 / 30,000
    2018 Fund 234
    • benbenandme
    • By benbenandme 15th Apr 18, 2:57 PM
    • 10,496 Posts
    • 27,376 Thanks
    benbenandme
    So I've gone on to MFP and inputted this weeks meals, there is a bit of wiggle room in there still but at least I know roughly what I'll be having each day. Last time, when I stuck to it really well, it was mainly due to being organised and planning my meals in advance so I wasn't tempted to eat junk instead. Hopefully the same will work for me this time around.

    The plan is as follows: stick to this until the summer holidays (then review where I'm at). This means I have 6 weeks, a week off school, then another 6 weeks to do.

    There will be different challenges / goals along the way, ultimately the goal is to shift 18.5lbs which will take me back to 11 stone (then I can set harder goals from there).

    Week One:

    Goals for this week are:

    * to stick to my calories as decided by mfp (1290 a day currently). Any extras I earn through exercise (from fitbit tracking) will be used for mint imperials and the odd bit of chocolate.

    * to do 10,000 steps a day
    Mortgage Total: 75,000 72,249 Mortgage End Date: May 2040
    Brother's loan: 11,594 / 30,000
    2018 Fund 234
    • FrankieM
    • By FrankieM 15th Apr 18, 4:17 PM
    • 1,929 Posts
    • 17,611 Thanks
    FrankieM
    Hi benben

    That sounds like a great plan. I think however you do it, organisation is the key to weightloss and fitness. A bit like money making/saving I guess.
    I'm back on it tomorrow too. I'm terrible self saboteur so organisation and good habits is going to be my thing.

    Looking forward to hearing how you go
    Pay off Debt by Christmas 2018 #59
    13,406.26/ 10,197.49
    Frugal Living Challenge 2018
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