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  • FIRST POST
    • benbenandme
    • By benbenandme 29th Dec 17, 5:01 PM
    • 10,840Posts
    • 28,559Thanks
    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 70,306 Mortgage End Date: May 2040
    2019 Savings: 642 / 4,360
    Holiday Fund 1,500/4,000
Page 41
    • benbenandme
    • By benbenandme 12th Jan 19, 10:38 AM
    • 10,840 Posts
    • 28,559 Thanks
    benbenandme
    Thanks Amber, the job spotting isn't for me, it's an app where i make money

    However, I've woken up this morning and feel pants The lady I share an office with has been coughing / sneezing all week, and now I am too My throat hurts, I have zero energy, my nose is like a tap, so I have dropped ds at the station, posted the parcel and am now happily camped on the sofa with the dog and the blanket I've managed to put the first load in the washing machine, I feel sleepy so may well just nap on and off today and have an ultra lazy day
    Mortgage Total: 75,000 70,306 Mortgage End Date: May 2040
    2019 Savings: 642 / 4,360
    Holiday Fund 1,500/4,000
    • benbenandme
    • By benbenandme 12th Jan 19, 11:06 AM
    • 10,840 Posts
    • 28,559 Thanks
    benbenandme
    7 profit from a matched bet
    Mortgage Total: 75,000 70,306 Mortgage End Date: May 2040
    2019 Savings: 642 / 4,360
    Holiday Fund 1,500/4,000
    • gran3
    • By gran3 12th Jan 19, 11:16 AM
    • 145 Posts
    • 1,062 Thanks
    gran3
    Do you subscribe to any on the tips sites? Odds Monkey or Profit Accumulator? I've used both and I'm looking to get back at the MB, had a bad year family wise last year so couldn't focus. You need to be on the ball when you are doing MB.
    • benbenandme
    • By benbenandme 12th Jan 19, 11:33 AM
    • 10,840 Posts
    • 28,559 Thanks
    benbenandme
    No I haven't done as yet, I may do this year, just working my way through new bookies that have appeared since I last did matched betting
    Last edited by benbenandme; 12-01-2019 at 11:37 AM.
    Mortgage Total: 75,000 70,306 Mortgage End Date: May 2040
    2019 Savings: 642 / 4,360
    Holiday Fund 1,500/4,000
    • benbenandme
    • By benbenandme 12th Jan 19, 2:51 PM
    • 10,840 Posts
    • 28,559 Thanks
    benbenandme
    A couple of items have finished on ebay, went for 10 in total
    Mortgage Total: 75,000 70,306 Mortgage End Date: May 2040
    2019 Savings: 642 / 4,360
    Holiday Fund 1,500/4,000
    • beanielou
    • By beanielou 12th Jan 19, 4:49 PM
    • 60,006 Posts
    • 251,701 Thanks
    beanielou
    Hope you feel better really soon.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
    • benbenandme
    • By benbenandme 12th Jan 19, 5:32 PM
    • 10,840 Posts
    • 28,559 Thanks
    benbenandme
    Thanks Beanie, I've just had a little burst of energy so have loaded the dishwasher and put that on, tidied the kitchen and my bedroom and put the hot water on for my bath

    27 profit from another bet
    Mortgage Total: 75,000 70,306 Mortgage End Date: May 2040
    2019 Savings: 642 / 4,360
    Holiday Fund 1,500/4,000
    • EsmeWeatherwax
    • By EsmeWeatherwax 13th Jan 19, 1:33 PM
    • 5 Posts
    • 16 Thanks
    EsmeWeatherwax
    Hope you're feeling better today!

    You're doing amazingly well on the betting, I did think about trying to copy your success but I don't think I understand it enough. You do seem very organized around the house, so I may copy that instead!
    • benbenandme
    • By benbenandme 13th Jan 19, 4:27 PM
    • 10,840 Posts
    • 28,559 Thanks
    benbenandme
    Thanks Esme, I do feel a bit better today but still can't do more than ten minutes off the sofa without feeling exhausted I did manage a bath earlier and I did get some bits from Sainsburys when I collected ds from the station. Other than that I've basically napped and vegged on the sofa. It feels like such a wasted weekend
    Mortgage Total: 75,000 70,306 Mortgage End Date: May 2040
    2019 Savings: 642 / 4,360
    Holiday Fund 1,500/4,000
    • benbenandme
    • By benbenandme 13th Jan 19, 8:50 PM
    • 10,840 Posts
    • 28,559 Thanks
    benbenandme
    9 withdrawn from Prolific, I am feeling a bit better tonight, I've had a big bowl of mango yoghurt for dinner and could taste it again

    I've done a bit of work on my cards tonight, I need to get focussed on it again. I've emailed my customer club contacts, I've emailed another care home and I've invited 3 new facebook friends to like my page on there. I've also arranged to send a brochure to a very good friend on here, from the olden days, who is running the London marathon this year. I will donate 10% of any orders made using the code MARATHON to her fundraising efforts, she is raising money for the Anthony Nolan Trust. Hopefully this might generate some sales and help me and also help her with her fundraising All small steps but it all helps

    So, another Sunday night and it does feel like a wasted weekend, but sometimes you just have to stop and rest and let your body catch up again. Lets see what the week ahead brings ...
    Mortgage Total: 75,000 70,306 Mortgage End Date: May 2040
    2019 Savings: 642 / 4,360
    Holiday Fund 1,500/4,000
    • benbenandme
    • By benbenandme 14th Jan 19, 5:42 PM
    • 10,840 Posts
    • 28,559 Thanks
    benbenandme
    So, neither of the two ebay items that sold at the weekend have paid yet However I have sold the third of the dishes from the hostess trolley today (15), so will add 5 to my total and then the other 10 if and when the others pay.
    Mortgage Total: 75,000 70,306 Mortgage End Date: May 2040
    2019 Savings: 642 / 4,360
    Holiday Fund 1,500/4,000
    • EsmeWeatherwax
    • By EsmeWeatherwax 15th Jan 19, 4:30 PM
    • 5 Posts
    • 16 Thanks
    EsmeWeatherwax
    I have sold things on e-bay, drives me mad when people don't pay or communicate.
    I hate when you work all week and are sick at the weekend, so unfair. I hope work is being kind!
    • benbenandme
    • By benbenandme 15th Jan 19, 5:09 PM
    • 10,840 Posts
    • 28,559 Thanks
    benbenandme
    Thanks Esme, work was fine today and I'm feeling a lot better today too, a really good nights sleep last night helped

    Roast dinner tonight as I couldn't be bothered on Sunday, so that is doing its thing, I've whizzed round and had a tidy as we're out all day on Saturday so I need to stay on top of it during the week this week.

    I posted the parcel after work, now I need to reach my Swagbucks total, do dinner, have a bath and then chill.

    Ds got his mock results today - pretty much as expected so he's happy with that
    Mortgage Total: 75,000 70,306 Mortgage End Date: May 2040
    2019 Savings: 642 / 4,360
    Holiday Fund 1,500/4,000
    • EsmeWeatherwax
    • By EsmeWeatherwax 15th Jan 19, 7:45 PM
    • 5 Posts
    • 16 Thanks
    EsmeWeatherwax
    Well done to DS! Should give his confidence a boost. Does he have plans for when he leaves?
    Roast dinner, yum! DH and I are having a chuck it in the oven ready meal because both DCs had after school activities. Not very MSE, I need to meal plan better. Enjoying reading your diary!
    • beanielou
    • By beanielou 15th Jan 19, 7:59 PM
    • 60,006 Posts
    • 251,701 Thanks
    beanielou
    Well done to your DS
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 12 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. ***Be the difference.***
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