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  • FIRST POST
    • benbenandme
    • By benbenandme 29th Dec 17, 5:01 PM
    • 10,657Posts
    • 27,951Thanks
    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 71,174 Mortgage End Date: May 2040
    Brother's loan: 13,884 / 30,000
    2018 Fund 563
Page 21
    • benbenandme
    • By benbenandme 1st Jul 18, 6:49 PM
    • 10,657 Posts
    • 27,951 Thanks
    benbenandme
    2.50 survey just done on prolific, took about 15 minutes
    Time now for the ironing
    Mortgage Total: 75,000 71,174 Mortgage End Date: May 2040
    Brother's loan: 13,884 / 30,000
    2018 Fund 563
    • Eager_Elephant
    • By Eager_Elephant 2nd Jul 18, 6:53 AM
    • 4,476 Posts
    • 26,004 Thanks
    Eager_Elephant
    Yay, glad to have helped EE I got 2466 swagbucks from it Very welcome as I have had a month off from Swagbucks, back on it today and feeling a bit more revitalised again.

    .
    Originally posted by benbenandme
    And there was me thinking 750 points was good

    I had a mini break from SB in May, it didnt help that I knew I was away for a weekend mid month so getitng more than the bonus for 14 days straight was not going to happen so I didnt even try - as a result my bonus was about 15 for the month.

    But for June I have managed 30 days and I seemed to be more invigorated with it, I hope July is the same although I have 2 consecutive days of an event so unlikely to be able to do SB but I will still try as I like how quikcly the points add up
    Ninja Saving Turtle No. 1 for August
    NSD - 9/15
    (up to 12/8/18)
    My Diary is here - http://forums.moneysavingexpert.com/showthread.php?t=2175629 (Eager Elephants Effective Everyday Excursion)
    • benbenandme
    • By benbenandme 2nd Jul 18, 6:54 PM
    • 10,657 Posts
    • 27,951 Thanks
    benbenandme
    Me too EE, I need to try and get my daily streak back up and running this month on Swagbucks, 2/2 days completed so far I have cashed out for a 3 Amazon voucher as I needed to cross that one off my swago board so I could submit it today.

    Tonight will be spent pottering, watering the plants, watching some football and clearing some surveys mainly.
    Mortgage Total: 75,000 71,174 Mortgage End Date: May 2040
    Brother's loan: 13,884 / 30,000
    2018 Fund 563
    • benbenandme
    • By benbenandme 2nd Jul 18, 7:13 PM
    • 10,657 Posts
    • 27,951 Thanks
    benbenandme
    4 from a free bet
    Mortgage Total: 75,000 71,174 Mortgage End Date: May 2040
    Brother's loan: 13,884 / 30,000
    2018 Fund 563
    • benbenandme
    • By benbenandme 7th Jul 18, 10:15 AM
    • 10,657 Posts
    • 27,951 Thanks
    benbenandme
    So it's a footie Saturday again before it's got too hot this morning I have got a few jobs out the way; two loads of washing, watered all the plants, cleaned the car, cleaned the front windows / front door, taken a car load of stuff to the tip from the garage and am now contemplating starting compliling my super duper summer holiday list
    Mortgage Total: 75,000 71,174 Mortgage End Date: May 2040
    Brother's loan: 13,884 / 30,000
    2018 Fund 563
    • Drawingaline
    • By Drawingaline 7th Jul 18, 10:16 AM
    • 479 Posts
    • 1,567 Thanks
    Drawingaline
    Omg, I have just sat on the settee bemoaning how hot it is! You put me to shame. Although I have got washing out.
    • benbenandme
    • By benbenandme 7th Jul 18, 11:49 AM
    • 10,657 Posts
    • 27,951 Thanks
    benbenandme
    I'm pretty much done now for housework, it's too hot now, so will be spending some time on the laptop til the football now

    3 from a free bet, added to signature
    Mortgage Total: 75,000 71,174 Mortgage End Date: May 2040
    Brother's loan: 13,884 / 30,000
    2018 Fund 563
    • benbenandme
    • By benbenandme 8th Jul 18, 3:16 PM
    • 10,657 Posts
    • 27,951 Thanks
    benbenandme
    5 cashed out from Prolific and 5 Amazon voucher from Ipsos
    Mortgage Total: 75,000 71,174 Mortgage End Date: May 2040
    Brother's loan: 13,884 / 30,000
    2018 Fund 563
    • benbenandme
    • By benbenandme 15th Jul 18, 1:27 PM
    • 10,657 Posts
    • 27,951 Thanks
    benbenandme
    Another week gone, yet another very stressful week at work but at least it's done now

    This morning I went car bootying, not to the normal one but a small local one. I managed to pick up a couple of Monsoon summer dresses and a couple of Boden summer dresses, all for 1 each, all 4 are already on eBay

    I've been food shopping (36), about to tackle the ironing and generally avoiding the sun as it's too hot for me.

    Ds is due home in a couple of hours, hopfefully in a good mood as he's been very stroppy this week
    Mortgage Total: 75,000 71,174 Mortgage End Date: May 2040
    Brother's loan: 13,884 / 30,000
    2018 Fund 563
    • benbenandme
    • By benbenandme 21st Jul 18, 8:13 AM
    • 10,657 Posts
    • 27,951 Thanks
    benbenandme
    Nearly summer holidays time, we break up on Tuesday lunchtime which is quite late compared to most. Can't wait!!

    This morning I have ordered ds birthday present (Airpods), and used my Amazon vouchers for half of it, so I can transfer that money from my gift fund into my brothers fund that I had budgeted to spend.

    I'm off holiday shopping today, as in shopping for a few new bits and pieces to take on holiday
    Mortgage Total: 75,000 71,174 Mortgage End Date: May 2040
    Brother's loan: 13,884 / 30,000
    2018 Fund 563
    • beanielou
    • By beanielou 21st Jul 18, 7:36 PM
    • 56,818 Posts
    • 231,359 Thanks
    beanielou
    Happy holidays
    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. MFW 2018. No 144
    • benbenandme
    • By benbenandme 22nd Jul 18, 10:12 AM
    • 10,657 Posts
    • 27,951 Thanks
    benbenandme
    So I had a lovely shopping trip yesterday, I did spend too much but it's very rare I do it. I pent about 20 in primark on some new cami tops, new bras and pj's. I spent 5 on parking, 6 on lunch, 6 on having my eyebrows threaded, 20 in H&M on 2 t-shirts, some shorts and a dress, and my best buy of the day was a charcoal grey, 100% cashmere poncho form John Lewis, it was 110 reduced to 35 and I'd found a 10 John Lewis giftcard I'd forgotten about, so only actually cost me 25 It folds up small so will be ideal for holiday but is one of those items that I know I will wear to death

    This morning I've been to the car boot sale again, today I got some kiddies Joules wellies (2), a brand new with tags grey angora jumper from Next (2.50), a Hobbs skirt (1.50) and a teal monsoon angora cardigan (1).

    Then I did some job spotting in a local town and have cashed in 17.50 in Amazon vouchers from there

    Finally I stopped at the Pick Your Own place and got some strawberries and a pear and ginger cake. I've just had a small bit and it tastes amazing

    The rest of today will be quite chilled, I've got to do a bit of housework but I'm not going too mad as I'll have plenty of time soon
    Mortgage Total: 75,000 71,174 Mortgage End Date: May 2040
    Brother's loan: 13,884 / 30,000
    2018 Fund 563
    • beanielou
    • By beanielou 22nd Jul 18, 11:53 AM
    • 56,818 Posts
    • 231,359 Thanks
    beanielou
    Poncho sounds fab.
    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. MFW 2018. No 144
    • pixiechick99
    • By pixiechick99 22nd Jul 18, 9:57 PM
    • 3,667 Posts
    • 15,476 Thanks
    pixiechick99
    Looking forward to your mammoth annual summer holiday list! I need to get cracking on one...have many things in my head I want to do.
    We break up at 3.15 on Tues...so you finish first
    June NSDs - 0/15
    June Groceries 0/200
    DFW Nerd #1135
    • benbenandme
    • By benbenandme 23rd Jul 18, 8:16 PM
    • 10,657 Posts
    • 27,951 Thanks
    benbenandme
    Ha ha Pixiechick, it has become an annual tradition now hasn't it

    So here is the list so far, there may well be additions to it along the way ...
    • Clean the car, inside and out
    • Remove curtain fixings from dining room wall
    • Clean all windows inside and out
    • Gut the garage
    • Car boot sale
    • Repaint dining tables and chairs
    • Mend shower
    • Clean carpets
    • Sand coffee table
    • Prepare revision aids for ds
    • Paint decking
    • Gut wardrobe
    • Gut 2 chest of drawers / condense into 1
    • Deep clean bathroom tiles
    • Clean oven
    • Gut food cupboards
    • Gut all paperwork
    • Plan the garden and cut back the majority of it
    • Buy lights for lounge and get them fitted
    • Tonnes of work on the blog
    Mortgage Total: 75,000 71,174 Mortgage End Date: May 2040
    Brother's loan: 13,884 / 30,000
    2018 Fund 563
    • benbenandme
    • By benbenandme 24th Jul 18, 6:10 PM
    • 10,657 Posts
    • 27,951 Thanks
    benbenandme
    So the summer holidays are finally here

    Today has been a crazy day at work, I'm so pleased to be out of there for a while

    The list I wrote yesterday looks ridiculously short for one of my summer lists, I may re-attempt it

    In good news, today I cashed out 10 on prolific (signature updated) and also won 8 on the work sweepstake for having the lowest scoring team in the World Cup (Saudi Arabia ).
    Mortgage Total: 75,000 71,174 Mortgage End Date: May 2040
    Brother's loan: 13,884 / 30,000
    2018 Fund 563
    • Blackcatsreturns
    • By Blackcatsreturns 24th Jul 18, 9:18 PM
    • 78 Posts
    • 686 Thanks
    Blackcatsreturns
    Well done to Saudi Arabia! Your list looks long enough to me. Enjoy your summer hols. Looking forward to blog updates.
    • benbenandme
    • By benbenandme 25th Jul 18, 8:41 AM
    • 10,657 Posts
    • 27,951 Thanks
    benbenandme
    So despite being able to have a lie-in and not having to set the alarm for 6 weeks, I still managed to wake up at 5.26 today

    I didn't get up til 7.30 but have found my housework bug, I've stripped both beds, gathered all the washing downstairs in a pile, rounded up all the washing-up, the dishwasher is on, the washing machine is on, I've been to Sainsburys and got a few bits as ds didn't have anything to take to work today for lunch. Nearly time now to start a big clean but first I've promised ds a bacon sandwich once he gets out the bath
    Mortgage Total: 75,000 71,174 Mortgage End Date: May 2040
    Brother's loan: 13,884 / 30,000
    2018 Fund 563
    • Pooky
    • By Pooky 25th Jul 18, 9:27 AM
    • 6,906 Posts
    • 44,005 Thanks
    Pooky
    How's DS doing now? Hope he's still enjoying the job? And how's your ebaying going?
    "Start every day off with a smile and get it over with" - W. C. Field.
    • benbenandme
    • By benbenandme 25th Jul 18, 9:33 AM
    • 10,657 Posts
    • 27,951 Thanks
    benbenandme
    Hi Pooky, he's doing good at the minute thanks, still loving his job Tomorrow is his birthday and last year that, for me, was the worst day ever ... he was badly let down by a friend and took a knife up to his room and was very very depressed all day. This year he has made plans again but I'm worried about him being let down and disappointed again. I hope once his birthday is out the way I might start to enjoy my holidays

    Ebaying is slow at the moment, I've got quite a few bits to sell but as the weather is so nice people don't seem to be buying much - guessing we need rubbish weather so people are sat at home in the evenings with nothing to do.

    Bacon sandwiches done, now it's time to crack on with some cleaning
    Mortgage Total: 75,000 71,174 Mortgage End Date: May 2040
    Brother's loan: 13,884 / 30,000
    2018 Fund 563
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