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  • FIRST POST
    • benbenandme
    • By benbenandme 29th Dec 17, 4:01 PM
    • 11,105Posts
    • 29,773Thanks
    benbenandme
    2018 Benbenandme's Next Battle
    • #1
    • 29th Dec 17, 4:01 PM
    2018 Benbenandme's Next Battle 29th Dec 17 at 4:01 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 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
Page 54
    • earthgirl
    • By earthgirl 2nd Jun 19, 7:57 AM
    • 2,731 Posts
    • 28,500 Thanks
    earthgirl
    Great news on your holiday fund - over half way already thats amazing!!
    15/5/12 Paid off Mortgage 1 (220k) Bought Dream House Dec 13 - Mortage 2 -116,508. 15/7/18 Mortgage Free Again

    Progress not Perfection
    • benbenandme
    • By benbenandme 2nd Jun 19, 10:27 AM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    Bath done, downstairs hoovered, floors mopped, one load of washing done, 2 bits put on ebay, car hoovered, front windows cleaned

    Still need to clean the fridge out and do today's Shred. Really not looking forward to that one little bit - my legs proper ache today after my run which they haven't done at all up until now
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
    • benbenandme
    • By benbenandme 2nd Jun 19, 10:49 AM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    23 profit from a games offer
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
    • benbenandme
    • By benbenandme 2nd Jun 19, 11:07 AM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    2 profit from a matched bet
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
    • benbenandme
    • By benbenandme 3rd Jun 19, 4:49 PM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    Hmm, so much for getting up early yesterday helping me sleep last night ... I was still wide awake at 4.15 this morning

    However, I managed my first day back fine, 3 people asked me today if I've lost weight too

    Come home and the Tesco order arrived and has been put away, and I've done day 2 of the Shred dvd too. I didn't do it yesterday as my thighs still really hurt, but I'm back on it today

    Plans for tonight are a bath, dinner and an early night
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
    • benbenandme
    • By benbenandme 3rd Jun 19, 8:20 PM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    3 profit from a matched bet
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
    • benbenandme
    • By benbenandme 3rd Jun 19, 8:26 PM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    5 profit from an ebay sale
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
    • benbenandme
    • By benbenandme 4th Jun 19, 5:42 AM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    I've done my run - I went nice and early and managed to do it all today without stopping, very happy
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
    • benbenandme
    • By benbenandme 4th Jun 19, 6:57 PM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    25 profit from a games offer
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
    • beanielou
    • By beanielou 4th Jun 19, 10:31 PM
    • 66,991 Posts
    • 303,216 Thanks
    beanielou
    Wow.Just wow
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • benbenandme
    • By benbenandme 5th Jun 19, 8:40 PM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    14 profit from a matched bet
    Ds had his haircut tonight (11), chip shop tea and that's about it for tonight.

    Run again tomorrow morning, Mr S is coming over tomorrow evening to watch the footie - life is good right now
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
    • benbenandme
    • By benbenandme 5th Jun 19, 9:02 PM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    17 interest in a savings account, whoop whoop, that's another 100 knocked off the the holiday savings
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
    • beanielou
    • By beanielou 5th Jun 19, 9:58 PM
    • 66,991 Posts
    • 303,216 Thanks
    beanielou
    So glad that life is good
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • benbenandme
    • By benbenandme 7th Jun 19, 3:06 PM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    45 profit from last nights England game

    Mr S came over,we had a takeaway and a lovely evening.

    Tonight I'm out with a couple of friends I went to college with, ds has had 2 more exams today, 3 to go next week then that's it, he's done
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
    • benbenandme
    • By benbenandme 8th Jun 19, 11:48 AM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    30 profit from a games offer
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
    • benbenandme
    • By benbenandme 8th Jun 19, 11:57 AM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    6 profit from a matched bet
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
    • beanielou
    • By beanielou 8th Jun 19, 2:36 PM
    • 66,991 Posts
    • 303,216 Thanks
    beanielou
    That will pay for your night out
    Enjoy
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **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. ***Be the difference.***
    • benbenandme
    • By benbenandme 12th Jun 19, 6:15 PM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    An absolutely mental day at work today. It also involved a trip to the dentist as I managed to break one of my front teeth. I need a root canal and a crown, so 3 appointments (2 x 40 mins, 1 x 20 mins) at a cost of 270 That puts a huge spanner in the works re. savings. Once this treatment is done I must look into dental insurance as my teeth are shockingly weak and I can't afford to do that again

    Other than that it's already a very long, dragging week. Can't believe it's only Wednesday Ds had an exam today and now only has one to go, Physics on Friday
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
    • earthgirl
    • By earthgirl 13th Jun 19, 4:49 PM
    • 2,731 Posts
    • 28,500 Thanks
    earthgirl
    Sorry to hear about your tooth! Hope it's sorted quickly and as painlessly as possible.
    15/5/12 Paid off Mortgage 1 (220k) Bought Dream House Dec 13 - Mortage 2 -116,508. 15/7/18 Mortgage Free Again

    Progress not Perfection
    • benbenandme
    • By benbenandme 15th Jun 19, 10:30 AM
    • 11,105 Posts
    • 29,773 Thanks
    benbenandme
    So that's it - ds is done with school Finally, I can close that chapter of my life, no more counting down the terms, weeks, days ... he's done We went out for dinner last night to celebrate, this morning he has gone to his Dads.

    Today I'm catching up with housework then Mr S is coming over later for the night. Looking forward to that
    Mortgage Total: 75,000 68,773 Mortgage End Date: May 2040
    2019 Savings: 2360 / 4,360
    Holiday Fund 3,434/4,000
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