Onwards and downwards...

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  • jwil
    jwil Posts: 19,115 Forumite
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    Todays pads:

    £1.95 to Mortgage
    £2.00 to debt savings
    £1.05 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,342 - £978 paid :T
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,115 Forumite
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    brizzledfw wrote: »
    Aha...oh well make sure you get spoilt for the whole month before then ;)

    It’s good to be back, glad you seem well xx

    I wish :rotfl: Little jwil's been invited to his best friend's birthday party on my birthday :cry: Not my idea of fun :p
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,115 Forumite
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    Not far to go to get to £1k on my debt savings :T I've also got only £132 to go on the joint od, so will clear that by the end of the month. My little odd payments can then go to my emergency savings again, which have been seriously depleted recently with all my spending :o:o

    Some of it is spending to save money (i.e. annual bills etc), but some of it is stuff that I've been needing/wanting to do but haven't had the cash for years. We've also booked a birthday party for little jwil (£95). We've decided that they can have one party each when they start school, but after that it will be much more low key.

    So the spending stops here! My car is playing up again, so got to watch that, but I need to rebuild my savings as a priority.

    I've got some more stuff on eBay this week, so hoping some of those items will help do it. We're having a quiet weekend, so will try and hunt out some more stuff.

    Hope everyone is well :)
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,115 Forumite
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    Decluttering 2018:

    125. Paperwork
    126. Motorbike gloves
    127. Underwear
    128. Filing cabinet
    129 - 136. Sellotape (non sticky)
    137. Trousers
    138-139. Cooking trays

    Decluttering 2018:
    Books: 24
    Magazines/papers: 7
    Ebay parcels: 103
    Other: 0

    Total: 273

    Ebay listings: 98

    Survey/other earnings:
    Amazon: £5
    Paypal/cash: £18.42
    Other vouchers:£0
    "If you can dream it, you can do it". Walt Disney
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
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    You're doing really well.

    Well done on the decluttering.

    Have a great day x
  • jwil
    jwil Posts: 19,115 Forumite
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    Deleted_User wrote: »
    You're doing really well.

    Well done on the decluttering.

    Have a great day x

    Thank you, you too :)
    "If you can dream it, you can do it". Walt Disney
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
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    I don't think you can rake yourself over the coals for buying stuff in advance - it'll save you money monthly. You know the tricks. I think you're doing brilliantly. Your pots are all building up well and you're ahead of all the hurdles.
    As for birthday parties it's a having a kid must :)
    Keep doing what you're doing. Maybe a new car fund is on the cards though. Grr xxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    Your debt savings are growing, it's amazing what the PADS can do and good news that the OD is shrinking :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • jwil
    jwil Posts: 19,115 Forumite
    First Anniversary Name Dropper Photogenic First Post
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    Todays pads:

    £1.95 to Mortgage
    £2.00 to debt savings
    £1.05 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,340 - £980 paid :T
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,115 Forumite
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    Kitten868 wrote: »
    I don't think you can rake yourself over the coals for buying stuff in advance - it'll save you money monthly. You know the tricks. I think you're doing brilliantly. Your pots are all building up well and you're ahead of all the hurdles.
    As for birthday parties it's a having a kid must :)
    Keep doing what you're doing. Maybe a new car fund is on the cards though. Grr xxx

    Thank you, I have to be focussed to ensure I don't slip back into frivolous spending, but I think I am :D

    I know about the new car fund, I really want to keep this one going until I've got a proper fund, it's really irritating though, there's always something :(
    HairyHandofDartmoor wrote: »
    Your debt savings are growing, it's amazing what the PADS can do and good news that the OD is shrinking :).

    Thank you :) It will be a nice feeling to see the back of the overdraft, it's not big and it's not expensive, but it's still there!
    "If you can dream it, you can do it". Walt Disney
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