put an extra $500 a month into the mortgage

I’m having money woes again. I thought i had made extra in the last few months but it just seems to get spent. So I’ve now clamped right down on spending which seems to be working.

I’m not sure how long I can sustain myself working freelance. My partner has suggested I get a part-time job which seems sensible. However I can’t actually commit to anything since I have two projects to finish before Xmas, then we’re travelling interstate to see the inlaws at Xmas. It will all be happening when I come back, that’s for sure.

In the meantime, I guess I have to not spend very much and work as hard and fast as I can.

I’ve been working so hard I didn’t have time to log into 43 things :-( I worked solidly for a couple of months and made $800. Alas, along came 3 forgotten bills for $1500 and wiped it all out.

However it looks like I have more work lined up so I’m not too worried, I just hope all the clients are happy and I can manage my time more effectively.

I’m hoping in a couple of months I can accomplish this goal. I seem to be doing well but it’s just very slow.

I’ve only got $200 as buffer however am expecting payments and have work lined up for a while (assuming the clients pay). I just have to knuckle down and work really hard for a while.

Well I paid off my outstanding credit card bill from last month, it blew out quite a bit due to the interstate move. I think everything is under control now. I do have work lined up so now is my chance to save up and get ahead in the mortgage.

I just have to stop spending money on luxuries. Have determined not to keep buying lunch from takeaways and will eat at home.

Hope I stick to it.

After paying down my bills, I plan to gradually increase the amount of spare cash in my mortgage. It seems to be going backwards so I need to get ahead.
How I plan to do this:

Find extra work to transcribe
Change/Reduce my health care fund expenses
Sell things on eBay – my jewellery, some books
Do more mystery shops