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    • benbenandme
    • By benbenandme 29th Dec 17, 5:01 PM
    • 10,522Posts
    • 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 16
    • benbenandme
    • By benbenandme 15th Apr 18, 5:37 PM
    • 10,522 Posts
    • 27,449 Thanks
    benbenandme
    Thanks Frankie, I did it this way a few years back and lost two stone in 4-5 months and can honestly say it wasn't difficult whatsoever. I did Couch to 5k and ran 5k at weekends, I ate well and wasn't tempted to stray. Somehow my head was totally in the right place for it at that time. Since then I have regained it all and have made several attempts at losing it again, but my head hasn't clicked into place and so it has never really got going. Hopefully this time around it will click again

    Wishing you luck 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 18th Apr 18, 8:23 PM
    • 10,522 Posts
    • 27,449 Thanks
    benbenandme
    1500 swagbucks added this morning for a big survey I did last week, that's 15 Amazon vouchers ordered today

    The weather was lovely today, hopefully more of the same again tomorrow. So far this week I have stuck religiously to my calories and have hit 10,000 steps each day
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • dangers
    • By dangers 18th Apr 18, 8:56 PM
    • 1,402 Posts
    • 2,668 Thanks
    dangers
    That!!!8217;s a good amount of Swagbucks. I!!!8217;ve done dreadfully today so will miss out on my bonus (unless I manage to get a survey later this evening).
    • benbenandme
    • By benbenandme 18th Apr 18, 8:59 PM
    • 10,522 Posts
    • 27,449 Thanks
    benbenandme
    If I'm really struggling I use sweepstakes ... it's a gamble, I tend to buy 2 out of the 3 entries for 25sb each, but that way you can reach the daily target quite easily. Sometimes it doesn't come off, sometimes I buy all 3 (overall loss of 25 sb's, but it means you hit your daily target)
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • FrankieM
    • By FrankieM 19th Apr 18, 6:39 AM
    • 1,949 Posts
    • 17,740 Thanks
    FrankieM
    I'm still doing a terrible job with swagbucks (and other sites like that) I'm not in any routine to get on my laptop and get these things done. I sit and search for things to watch on tv instead.

    I need to get more focused.

    Well done on the food and 10000 steps. I'm doing terribly there too. I've no excuses. I just need to give myself a talking to.
    Pay off Debt by Christmas 2018 #59
    13,406.26/ 8,930.09
    Frugal Living Challenge 2018
    • dangers
    • By dangers 19th Apr 18, 7:14 AM
    • 1,402 Posts
    • 2,668 Thanks
    dangers
    Thank you. - just done this before heading to work and have now reached both targets.
    • benbenandme
    • By benbenandme 22nd Apr 18, 8:10 AM
    • 10,522 Posts
    • 27,449 Thanks
    benbenandme
    Morning all, yesterday was a lovely day, ds and I went on a train ride then for a 2 hour walk through the forest, very tired at the end but the weather was lovely and it gave us a chance to chat

    I need to get a few bits and pieces done today; food shopping, ds homework battle, banking, ironing, and a few other mundane bits.

    The sun is shining today which I didn't expect as I thought after the storm last night we'd be back to normal weather, but it looks nice again so a beach walk with the dog later is planned too.
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • FrankieM
    • By FrankieM 22nd Apr 18, 8:29 AM
    • 1,949 Posts
    • 17,740 Thanks
    FrankieM
    Morning

    I'm very jealous of your beach walk. I would love to live that close, but here in the Midlands I think I'm about as far away as I could be.
    Pay off Debt by Christmas 2018 #59
    13,406.26/ 8,930.09
    Frugal Living Challenge 2018
    • benbenandme
    • By benbenandme 22nd Apr 18, 8:45 AM
    • 10,522 Posts
    • 27,449 Thanks
    benbenandme
    Thanks Frankie, I am very very lucky, I can walk to the beach and you never get bored of it, I tend to use it least in the summer as it's heaving then, the rest of the year it's so calming and peaceful

    One load of washing done and out on the line, beds made, all the windows are open Now time to watch the marathon coverage and try to get close to todays swagbucks target
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • benbenandme
    • By benbenandme 28th Apr 18, 3:20 PM
    • 10,522 Posts
    • 27,449 Thanks
    benbenandme
    Wow, nearly a whole week since I posted, sorry

    I've been very good with the eating / 10,000 steps, 4.5lbs gone so far, still a long long way to go.

    This morning I took the dog for a walk along the beach so have already hit my steps target which means I can chill on the sofa with the footie this afternoon

    My heating / hot water hasn't been working again, but my brother-in-law came round earlier and has fixed it for me

    Florence - I have sent you the link for Onepoll, I will log in to Circle later on and send you that one too, thank you
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • beanielou
    • By beanielou 28th Apr 18, 3:26 PM
    • 54,049 Posts
    • 214,204 Thanks
    beanielou
    Great news on the weight loss
    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 28th Apr 18, 7:20 PM
    • 10,522 Posts
    • 27,449 Thanks
    benbenandme
    So, ds has caught his train, I have come back and blitzed the downstairs housework so it is all now clean and sparkly. Upstairs is tidy, just needs a quick clean.

    The plan for tomorrow is an early morning walk, maybe combining some job spotting to get my steps in nice and early. I then need to do a food shop and some ironing and wait for ds to come home in the afternoon.

    Tonights plans involve a hot bath, reading my new book and sorting the end of the month banking. I will be getting into bed after my bath, a nice chilled evening My new book is one about growing your own veg. I feel retirement coming on already
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • beanielou
    • By beanielou 28th Apr 18, 8:55 PM
    • 54,049 Posts
    • 214,204 Thanks
    beanielou
    Hope you are not with TBb.
    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 29th Apr 18, 9:04 AM
    • 10,522 Posts
    • 27,449 Thanks
    benbenandme
    I do have an account with them beanie but I didn't seem to be affected by all the problems with them

    So I got up quite early this morning and went for a walk, and my phone died after a few minutes so couldn't job spot or listen to music I didn't walk far as I get bored without my music on, so I'm back home charging it and will try again a bit later. I have got nearly 4,000 steps out the way already though. I'm going to go and hit the supermarket in a bit and get that job out the way, then I can come home and relax a bit.

    The bathroom needs a clean but the rest of the house is up to date 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 29th Apr 18, 1:30 PM
    • 10,522 Posts
    • 27,449 Thanks
    benbenandme
    Banking all done and sorted for the new month, 5 claimed from Swagbucks and 10 claimed from prolific.

    I've decided for this month I'm going to calim paypal rewards from Swagbucks rather than Amazon, it does cost a few more sb's but I want to see the instant cash for a bit instead of waiting to spend it in Amazon
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • benbenandme
    • By benbenandme 3rd May 18, 9:09 PM
    • 10,522 Posts
    • 27,449 Thanks
    benbenandme
    3 interest in one of my accounts, all helps!
    Yesterday ds announced he wanted to take me and Mum for dinner as he's never bought anyone dinner before ... we got a McDonalds and sat at the beach together with it. One of my happiest memories in years I felt so so so proud of him, he really does have his moments and can be such hard work at times, but little bits like that mean the world to me
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • beanielou
    • By beanielou 3rd May 18, 9:16 PM
    • 54,049 Posts
    • 214,204 Thanks
    beanielou
    3 interest in one of my accounts, all helps!
    Yesterday ds announced he wanted to take me and Mum for dinner as he's never bought anyone dinner before ... we got a McDonalds and sat at the beach together with it. One of my happiest memories in years I felt so so so proud of him, he really does have his moments and can be such hard work at times, but little bits like that mean the world to me
    Originally posted by benbenandme
    That is just awesome.
    What a lovely memory to treasure.
    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 5th May 18, 7:23 AM
    • 10,522 Posts
    • 27,449 Thanks
    benbenandme
    Morning all, it's been a funny week, work has been crazy as usual and then yesterday I woke up at 4am as I had been grinding my teeth in my sleep, (when I'm stressed), and a canine tooth has snapped in half I rang the dentist yesterday and they can't see me til the 17th Luckily it's not really noticeable unless you're very close, but it's gonna cost me

    So, today I'm up early, (forgot to turn the alarm off last night), I've stripped my bed and that's doing it's thing in the washing machine currently. The dishwasher is loaded and on, everywhere is pretty tidy just needs a good clean. Ds is off to his Dads in about 1.5 hours, then today will be spent cleaning, gardening and generally pottering this morning followed by an afternoon of footie. Tomorrow I need to drive Mum to her friends (3 hour round trip) then ds will be back mid-afternoon, then ds and I are going to see a tribute band in the evening. Monday ds is working so will probably be more gardening etc for me
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
    • FrankieM
    • By FrankieM 5th May 18, 7:35 AM
    • 1,949 Posts
    • 17,740 Thanks
    FrankieM
    Morning

    I had a tooth snap a few years ago. The dentist filled it and kept it going until last month when I finally had it taken out cause it was getting infected and painful. I have an NHS dentist so only 35. It was quite an experience though!

    Your day sounds like mine. My dd is at work today and I have the land lord over at 10am so I'm pottering, given I didn't get a lie in.

    The sun is out and that's a good start to a day
    Pay off Debt by Christmas 2018 #59
    13,406.26/ 8,930.09
    Frugal Living Challenge 2018
    • benbenandme
    • By benbenandme 5th May 18, 10:25 AM
    • 10,522 Posts
    • 27,449 Thanks
    benbenandme
    So ds is off on his train, I've cleaned and hoovered upstairs and cleaned the bathroom. The third load of washing is in, the windows are all wide open, I've met my swagbucks goal for today and all is good
    Mortgage Total: 75,000 72,035 Mortgage End Date: May 2040
    Brother's loan: 12,000 / 30,000
    2018 Fund 247
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