Onwards and downwards...

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  • jwil
    jwil Posts: 18,825
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    Well I've been up all night with two poorly children, now they are bouncing around and I feel rubbish!
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 18,825
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    I've now informed SC that I will be self managing my dmp from now on. :eek:
    "If you can dream it, you can do it". Walt Disney
  • missymoo81
    missymoo81 Posts: 7,695
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    jwil wrote: »
    I've now informed SC that I will be self managing my dmp from now on. :eek:

    Well done!

    Poor you being up with poorly ones, I was up at 4am with a poorly one too. So can completely sympathise!
  • Oh dear there seem to be lots of bugs going around at the moment. Hope you can catch up on your sleep tonight.

    A fresh start for you now you're self managing your damp.
    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: 18,825
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    missymoo81 wrote: »
    Well done!

    Poor you being up with poorly ones, I was up at 4am with a poorly one too. So can completely sympathise!
    Oh dear there seem to be lots of bugs going around at the moment. Hope you can catch up on your sleep tonight.

    A fresh start for you now you're self managing your damp.

    Thanks guys :) It's travelled round the house and little jwil is off again after another sickness bout yesterday. Oh well! He's absolutely fine today but can't go back for 2 days.
    "If you can dream it, you can do it". Walt Disney
  • mfmaybe
    mfmaybe Posts: 1,176
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    Just catching up. Sorry to hear about poorliness but Oh Em Gee at the payment! I don't know all the details of your situation (is interest frozen on them all?) but I don't think replacing the car is the way to go. £4.5k sounds like a lot but it won't buy much in terms of reliability. Even new, expensive, cars can break down, and there's nothing to say that a replacement won't still cost you money. Whereas if your low F&F's are accepted, then the return on that £4.5k becomes very lucrative indeed. This debt has been hanging over you and worrying you for so long that I think a huge decrease in the figure is the best option. (I realise this is what you are doing anyway, but thought I'd support your choice :D)
    0% card was £1126.91 / Now £1502.37

    AFD March 2/15 NSD March 2/11 :T

    Other debts paid since 1/1/14: £17,005
  • jwil
    jwil Posts: 18,825
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    edited 11 October 2017 at 3:41PM
    Total debt:

    1. [STRIKE]£2,301.00[/STRIKE]/ £2,288.00
    2. [STRIKE]£8,388.00[/STRIKE]/ £8,338.00
    3. [STRIKE]£6,892.00[/STRIKE]/ £6,878.00
    4. [STRIKE]£4,022.00[/STRIKE]/ £4,008.00
    5. [STRIKE]£2,380.00[/STRIKE]/£1,900.00
    6. [STRIKE]£4,586.00[/STRIKE]/£4,568.00
    7. [STRIKE]£4,813.00[/STRIKE]/£4,787.00
    8. [STRIKE]£1,175.00[/STRIKE]/£0.00 :j :j :j

    [STRIKE]£34,557[/STRIKE]/£32,763 = 5.19% paid
    Savings target: [STRIKE]£19,320[/STRIKE]/£323 = 1.67% reached

    Emergency savings: £2000

    DFD - [STRIKE]December 2087[/STRIKE] Jan 2086 :eek:

    Slowly but surely...
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 18,825
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    mfmaybe wrote: »
    Just catching up. Sorry to hear about poorliness but Oh Em Gee at the payment! I don't know all the details of your situation (is interest frozen on them all?) but I don't think replacing the car is the way to go. £4.5k sounds like a lot but it won't buy much in terms of reliability. Even new, expensive, cars can break down, and there's nothing to say that a replacement won't still cost you money. Whereas if your low F&F's are accepted, then the return on that £4.5k becomes very lucrative indeed. This debt has been hanging over you and worrying you for so long that I think a huge decrease in the figure is the best option. (I realise this is what you are doing anyway, but thought I'd support your choice :D)

    Thanks mfmaybe :) Yes, interest is frozen on all of them and I'm making token payments. So any big reductions will make a massive difference!
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 18,825
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    As you can see, today I cleared my smallest debt :T :T :T It feels good to see the back of one.

    I was a bit gutted to find the snowball calculator has disappeared, and it wouldn't work on the stoozing one due to the long dates, so I've googled the calculation and put it into my excel spreadsheet. It came out the same as the old one so it's good for me :D

    I've bumped up my emergency savings to £2k and will see what I can negotiate with the rest :D Going to do one at a time to reduce the stress and so I know what I've got to play with.

    I've had my first acknowledgement today from one of my creditors about self managing so all is moving on.
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 18,825
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    Decluttering:

    275. 4 x toy cars
    276. Picture
    277. 2 x toy trains
    278. Spoons
    279. Duster
    280. 2 x lego sets
    281. Ball of string
    282. Toy soldiers
    283. 2 x pairs shoes
    284. plastic crate
    285. bag bricks
    286. Bag assorted toy bits
    287. Bag lego
    288. Plastic crate
    289. Box
    290. Crate with lid
    291. 2 x boxes with lids
    292. Pen
    293. Kitchen bowl
    294. Bag clothes (nursery)
    "If you can dream it, you can do it". Walt Disney
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