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    • benbenandme
    • By benbenandme 29th Dec 17, 5:01 PM
    • 10,679Posts
    • 28,013Thanks
    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 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
Page 24
    • benbenandme
    • By benbenandme 12th Aug 18, 7:32 AM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    4 profit from a little matched bet
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • benbenandme
    • By benbenandme 12th Aug 18, 8:41 AM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    Bathroom cleaned, bedroom tidied, all holiday stuff put away or in the washing basket. Cases are emptied, by the front door ready to be returned to my sister. Washing machine is on again but can't put any washing outside today A couple of items relisted on ebay.

    I am going to tackle the conservatory and lounge next.
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • benbenandme
    • By benbenandme 12th Aug 18, 5:35 PM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    12 profit from a couple of bets on todays footie
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • Drawingaline
    • By Drawingaline 12th Aug 18, 5:56 PM
    • 494 Posts
    • 1,589 Thanks
    Drawingaline
    Sounds like you Had fab time.
    • benbenandme
    • By benbenandme 13th Aug 18, 8:02 AM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    Great start to my morning today - a 7 ebay sale and a message from someone on Facebook asking if I have a particular card in stock (I don't yet). She lives about a mile from me, her daughter went to my school and her daughter is the designer of the card

    Really pleased on so many levels - someone who doesn't know me has found my cards on facebook, and she has ordered ten cards and asked for some brochures
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • benbenandme
    • By benbenandme 13th Aug 18, 10:34 AM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    Right, I must stop spending money on cards now - I've done another order this morning and I'm hoping that is it now to get me properly up and running. I've bitten the bullet and ordered enough stock for a stall and also my Christmas stock as that is now released. I have invested quite a lot (about 500 ) but that includes things like a display stand and a mobile card payment machine (20, utter bargain!). It also includes a huge amount of stock that I can always resell to other traders if the worst happens. However I'm viewing this as a long-term thing that I can work at when it suits me. I don't expect to recoup that money overnight, new businesses usually take a couple of years to make a profit so I am okay with that. At this stage it's a learning curve and once I've found my feet I will look to recruit some other traders to my team. I have invested more than I planned as I have now decided I will do events / stalls, whereas originally I was only going to sell through work. Anyone need a card??
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • benbenandme
    • By benbenandme 13th Aug 18, 1:35 PM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    I've delivered the brochures to the lady, have swapped back my euros into pounds and have recycled all the random batteries that were laying around the house. This afternoon I may start tackling the garage, the second load of washing is on so hopefully that can go out later too.

    My plan is to find another 3 (minimum) events to book into, I need to get this up and running and make the most of Christmas
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • beanielou
    • By beanielou 13th Aug 18, 6:58 PM
    • 57,414 Posts
    • 235,024 Thanks
    beanielou
    I would love to buy some cards but the postage is quite steep. Sorry.
    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 13th Aug 18, 7:59 PM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    No problem at all Beanie, I agree
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • benbenandme
    • By benbenandme 15th Aug 18, 9:31 AM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    Morning all, I had a nice meal out with friends last night, then popped in to see Mum as she's not feeling great this week.

    Today I have had my bath, I want to get some housework done today, nothing major but just to stay on top of it. I want to list some stuff on ebay, maybe pop to the shops for a few food bits and look for new lights for the lounge.

    I had a response from one of the events I'd emailed last night so I need to get that booked in today too.
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • benbenandme
    • By benbenandme 15th Aug 18, 2:50 PM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    41 payout from quidco today, I wasn't expecting that one until October so that was a nice surprise
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • benbenandme
    • By benbenandme 15th Aug 18, 10:03 PM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    31 profit from a matched bet tonight, not been too bad a day today
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • beanielou
    • By beanielou 15th Aug 18, 10:08 PM
    • 57,414 Posts
    • 235,024 Thanks
    beanielou
    Good day then
    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 16th Aug 18, 10:30 AM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    6 interest, moved into 2018 fund.
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • benbenandme
    • By benbenandme 16th Aug 18, 11:23 AM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    So this morning I have sat down and checked the bank accounts situation. They are looking healthier than I expected, this month I seem to be doing quite well, although we were away for a week so no food / petrol spends that week and this week ds is away and I have been mainly using up stuff from the cupboards. I am planning a big shop before he returns as the cupboards are pretty bare now

    I seem to have 663 left to last me the rest of the month (food / petrol / spends), which is much better than normal, but I do need to buy school uniform out of that, although ds doesn't need so much these days - shoes (30 ish now we're done with Clarks), shirts (15), trousers (15 - one pair as he had a new pair fairly recently), jumper (25 - I have a spare secondhand one but he needs one new one), then pencil case stuff / bag (25), so roughly 110 for everything.

    That still leaves me with 553 for the next couple of weeks, I have half a tank of petrol in the car and no major expenses that I can think of, so potentially I could have some left over at the end of the month which would be the first time in living memory

    *If* I do have leftovers I will either put it away towards Christmas or pay some back to the household fund to cover the cost of the cards stock I've bought.
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • benbenandme
    • By benbenandme 16th Aug 18, 11:29 AM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    5 withdrawn from GTM surveys
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • beanielou
    • By beanielou 16th Aug 18, 12:04 PM
    • 57,414 Posts
    • 235,024 Thanks
    beanielou
    Figures looking just 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
    • benbenandme
    • By benbenandme 16th Aug 18, 8:50 PM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    My ex-MIL sent me 50 today to put towards ds school uniform She always helps out with this and it's much appreciated

    Today i caught up with a friend I haven't seen for ages. I'm recognising my anxiety is kicking in again, I think it's partly because we'll be going back to school fairly soon. I'm dreading it, but I need to stay there to get ds through the last academic year of school, then I can look elsewhere. Several things are causing it; stress of going back to work, Mums health is not good and she's barely eaten this week, worrying about ds and his future after year 11, worrying about paying the bills after year 11 .... I am trying to be mindful and slow my breathing / focus on the here and now but it's hard. Most of the time I'm okay and I love being single, but sometimes I just want someone to give me a hug and look after me
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • benbenandme
    • By benbenandme 17th Aug 18, 7:57 AM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    Feeling quite a bit better this morning, amazing what difference a good nights sleep makes

    This morning I have stripped ds bed, hung out the first load of washing, brought everything downstairs that shouldn't have been upstairs and taken everything upstairs that shouldn't have been downstairs , opened all the windows wide and tidied ds bedroom ready for a mammoth clean later.

    Currently I don't have any plans for today, I do need to go to the bank so may schedule that in for today, other than that I may potter around in the garden mainly.
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
    • benbenandme
    • By benbenandme 17th Aug 18, 8:10 PM
    • 10,679 Posts
    • 28,013 Thanks
    benbenandme
    I ended up tidying the garden up and cutting things back and took 5 Ikea blue bags of garden waste to the tip.

    I also delivered my first order of cards to a customer today and got paid (16) which was nice

    I've done some matched betting, I need to wait for tonights game to finish then I can put on the free bets and hopefully later this evening I can update on my profits. Other than that I have pottered about and managed not to spend any money today I've had a text to say my Christmas brochures have been dispatched and will be with me on Monday
    Mortgage Total: 75,000 70,957 Mortgage End Date: May 2040
    Brother's loan: 14,341 / 30,000
    2018 Fund 560
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