Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • jwil
    • By jwil 27th Mar 17, 2:47 PM
    • 7,381Posts
    • 20,080Thanks
    jwil
    Onwards and downwards...
    • #1
    • 27th Mar 17, 2:47 PM
    Onwards and downwards... 27th Mar 17 at 2:47 PM
    Hey everyone

    Iíve decided itís time for a new diary. Iíve been plodding away for years, robbing Peter to pay Paul, desperately trying to keep on top of everything. Iím fed up with doing this, so at the end of last year I started a DMP with Stepchange. Having someone else do all the hard work takes so much pressure off, and I donít need to worry about it so much now. I wish Iíd done it sooner!

    There is also the ongoing saga of clearing the house which has been going on for years. We have cleared most of the stuff we inherited, but still have loads of our own stuff to clear, DH more so than me. Whilst this drives me crazy, it has been invaluable in providing us extra cash while I sell everything that isnít nailed down.

    For anyone new popping in (Hello! ) Do stick around. There is me, DH, little jwil (4) and little miss (1). We also have a dog and a cat. DH is doing temporary work at the moment whilst looking for a FT job. My job is very uncertain at the moment, so just clinging on with great hope! I thought it was ok for the next couple of years, but itís all change again now so who knows!

    I hope old friends and new will pop in now and again to say hello and give me a boot up the bum
    "If you can dream it, you can do it". Walt Disney
Page 2
    • jwil
    • By jwil 3rd Apr 17, 5:52 PM
    • 7,381 Posts
    • 20,080 Thanks
    jwil
    Hi Jwil,

    Followed you over too. I too am inspired by your decluttering - well I say that, I am theoretically inspired, it just never translates to action on my part. But do you know I'm glad to see your total on there; I'm sure it's scarily high for you, but you can do it and we can all cheerlead you along the way. And it's totally, TOTALLY, achievable.

    Really hope DH gets work sorted soon so you can have some stability. Once you get your regular bills under control, you could probably start an emergency fund alongside the debt, with the future plan to offer full and final settlements once you have some cash set aside?

    Signing on for the journey
    Originally posted by mfmaybe
    Thank you mfmaybe, it's nice to have cheerleaders! Emergency fund is definitely first, and F&Fs would be great for the future

    Hello. I thought I would follow you as I am in need of focus on my own financial woes. Just starting to get a grip of them all. I too have a house full of things that need to go on Ebay, but can never seem to find the mojo to do anything about it, despite husband threatening to leave until he sees a change. I wouldn't mind but he seems blinded to his piles of crap stuff and focuses purely on mine!

    Would be interested to know what survey sites you use too.

    Good luck in your continuing saga!
    Originally posted by Pelepeg
    Pelepeg! Thanks for popping in. Do you have a diary?

    I sympathise about the piles of stuff, and yes it's very annoying when someone criticises you when they are doing the exact same thing!

    I have to force myself to ebay, I do find it a struggle, and long for the day when I don't need to do it anymore. However, I do need to do it to make ends meet, so plod on!

    Good luck with your journey too!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 3rd Apr 17, 5:57 PM
    • 7,381 Posts
    • 20,080 Thanks
    jwil
    The vet's bill was only £355 so not quite as bad as feared.

    The car boot sale on Saturday was cancelled due to weather, but DH went on his own yesterday and did one. Not too bad result, and some stuff cleared including 62 books Barely makes a dent in them though

    Lots of sales for DH yesterday, not for me though. I must focus and get some stuff on now.

    I did the meter readings for the electric and gas, and wound up with an even more expensive bill So must look into changing there (and raising some cash to pay it!)
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 3rd Apr 17, 6:00 PM
    • 7,381 Posts
    • 20,080 Thanks
    jwil

    Would be interested to know what survey sites you use too.
    Originally posted by Pelepeg
    Sorry, forgot to add:

    I use My Survey, You Gov, Valued Opinions, Ipsos, Pinecone, and various other 'Mummy' ones which I can't think of off hand. I cash out most from these ones. Oh Crowdology as they used to do the 'Pointless' questions though I haven't seen those for a while. Great fun knowing you are one of the 100 people though!
    "If you can dream it, you can do it". Walt Disney
    • Kitten868
    • By Kitten868 3rd Apr 17, 9:54 PM
    • 815 Posts
    • 1,597 Thanks
    Kitten868
    naughty naughty jwil. there you go again. he did a car boot on his Todd and shifted 62 books and loads of stuff on eBay. that is one hell of a dent. I think you have inspired him! you have to see it as every little bit of crap that leaves the house is a win. and with your standards you're really winning. which of course means stick your work out stuff on eBay lol. you are getting your home back! speaking of - now that bookcase is empty is it going to work as fantastic storage for something else or is it hitting ebay too?
    keep it up jwil.
    and for what it's worth i would put your real debt total. those refunds were earnt and it will remind you how much progress you've made. make some more complaints while you've got the template.
    seriously cross about your energy bills. how flaming annoying I've gone for iresa. you pay up front but it's so much cheaper than elsewhere. I got it on mse club comparison tool.
    keep up the great work!!! xxxx
    Loan 1 £7200/£8000
    Loan 2 £5200/£5800
    Total £12400/£13800 10% PAID
    • Honeysucklelou2
    • By Honeysucklelou2 4th Apr 17, 7:53 AM
    • 156 Posts
    • 389 Thanks
    Honeysucklelou2
    What a great idea to keep a list of the decluttering progress! I too battle clutter and really like that idea.
    paydbx #90 £275/£10,000.
    365 day penny challenge £37.66/£667.95
    Loan £17k in 2012- £840 in May 2017. Home improvement loans £3342 March 2017
    • jwil
    • By jwil 4th Apr 17, 12:41 PM
    • 7,381 Posts
    • 20,080 Thanks
    jwil
    naughty naughty jwil. there you go again. he did a car boot on his Todd and shifted 62 books and loads of stuff on eBay. that is one hell of a dent. I think you have inspired him! you have to see it as every little bit of crap that leaves the house is a win. and with your standards you're really winning. which of course means stick your work out stuff on eBay lol. you are getting your home back! speaking of - now that bookcase is empty is it going to work as fantastic storage for something else or is it hitting ebay too?
    keep it up jwil.
    and for what it's worth i would put your real debt total. those refunds were earnt and it will remind you how much progress you've made. make some more complaints while you've got the template.
    seriously cross about your energy bills. how flaming annoying I've gone for iresa. you pay up front but it's so much cheaper than elsewhere. I got it on mse club comparison tool.
    keep up the great work!!! xxxx
    Originally posted by Kitten868
    Thanks kitten

    No, the books are mine I'm moaning (as usual ) as they haven't made a dent in the van which is where we store the stuff to be car booted. It means there's still not a lot of room to add more stuff. It should go down much quicker though now the season is starting again and we can get some more done. The bookcase went last year - two of them. The space has already been refilled.

    I'm really pleased that DH is getting on board and he seems to be more encouraged. It's just reaching that point where the house starts looking better and we don't seem to have got there yet. It will happen though and hopefully not too far in the future!

    The debt total there is what it was when I went to SC. After that there were extra charges etc added. I don't really see the point in adding them and then taking them off again. The balance has still been reduced so I'm happy enough.

    What a great idea to keep a list of the decluttering progress! I too battle clutter and really like that idea.
    Originally posted by Honeysucklelou2
    Thanks Honeysuckle, because I moan so much about the state of the house, I can look back and see that I did actually get rid of stuff!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 5th Apr 17, 11:51 AM
    • 7,381 Posts
    • 20,080 Thanks
    jwil
    Well I got home yesterday to find that DH had prepped and photo'd a load of stuff I've had lying around ready to get listed, but not had the time to do. Bless him! So that's all finally on now.

    He's working this afternoon/evening, so I might declutter some stuff from the YouView box tonight
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 6th Apr 17, 10:08 AM
    • 7,381 Posts
    • 20,080 Thanks
    jwil
    Well I had a busy evening last night. I pulled out a load of boxes of my ebay stuff and bundled it up into bigger lots. Hopefully that will clear some stuff now that's been on for a while. I've also converted some listings to buy it now to hopefully shift some more.

    Received £5 amazon from a survey site.

    A few sales yesterday so DH has been despatched to the PO. Still waiting for a couple to pay up.

    DH reduced some of his prices of his stuff the other day, and that seems to be working as a couple of longer term items are now selling.

    We've agreed a few more things that will be off to car boot.

    DH is also working lates tonight and tomorrow so should be able to declutter a bit more from the YouView box. That's if I manage to stay up. Little miss was coughing relentlessly last night, hoping for a better night tonight. Poor thing.

    All beds are stripped and being changed today. It's so nice to be able to get stuff out on the line again!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 7th Apr 17, 2:08 PM
    • 7,381 Posts
    • 20,080 Thanks
    jwil
    Hey everyone

    I did lots of listing yesterday and have a fair bit of interest in some of it, so fingers crossed!

    DH's work was cancelled so that was a bit annoying. These agencies do seem to mess you around!

    It's looking good for the weekend so will be off booting and hopefully clearing lots of stuff!

    I've got a week off now so really looking forward to that.

    Hope everyone is well
    "If you can dream it, you can do it". Walt Disney
    • tattycath
    • By tattycath 8th Apr 17, 12:56 PM
    • 6,743 Posts
    • 35,479 Thanks
    tattycath
    Ooh, just found your shiny new diary jwil. I will follow again with interest. You're such an inspiration.
    I'm planning to start a new diary myself in a few weeks.
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments:may £211.04
    May: £2.29 wombling: £0
    Emergency savings £0/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb
    • Pelepeg
    • By Pelepeg 9th Apr 17, 4:35 AM
    • 19 Posts
    • 12 Thanks
    Pelepeg
    Hey Jwil.

    No, I don't have a diary. I am focussing though and have started a lovely shiny spreadsheet today with money owing and monthly outgoings so I can focus on what I really do spend our money on and what I should be spending it on. I have also refreshed all my survey site memberships and started refreshing those, so thanks again for the push. I think I will cash those in every £50 or so, concentrating on putting bank accounts in the black then paying off credit cards first.

    I'm getting quite excited about being in control again, but really do need to remember that I have a life around this too - as in it's now 4:30am and I'm still working on getting info together rather than getting much needed sleep!

    Once this is all done, I will be focussing on PPI reclaims for both me and my mum. Going back to work is severely going to hamper my time on this! Am currently off sick with a broken foot. Really should have started this 5 weeks ago rather than wait until the last minute! Lol

    !!!!!! about your other half having worked cancelled. We too are at the mercy of agencies as my hubby works freelance so I can fully relate!

    Good luck with your week ahead.

    Pelepeg.
    • brizzledfw
    • By brizzledfw 9th Apr 17, 8:30 AM
    • 6,785 Posts
    • 32,554 Thanks
    brizzledfw
    Great to catch up and hear about the decluttering!! Great progress, well done jwil (and Team Jwil as Mr Jwil seems to have got a move on which is brilliant). Sorry re agencies...it's hardly ideal is it..

    Like the idea of another new shiny diary (as Beanie would say!) TC...sounds good
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    May '17 Savings Rate Goal: 25% [Apr 10%]
    Declutter 50 items before 31.05.17 15/50 ** LSDs Target 5 for May 03/05 **AFDs 09/20 ** Sales Target '17 £750 £80 so far
    **NSDs Target 5 for May 04/05
    • in need of direction
    • By in need of direction 9th Apr 17, 11:12 AM
    • 4,248 Posts
    • 23,736 Thanks
    in need of direction
    Hi jwil, stumbled across your diary, have spotted your posts on other threads. Hope you don't mind me subscribing. I'm also keen to Declutter and need lessons in how to convert the rest of the household.
    Mortgage at 01.01.14 £119,481.83 today £83,478.58, target £75,000 by 31/12/17 Offset fund today £3,415.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Kitten868
    • By Kitten868 13th Apr 17, 7:41 AM
    • 815 Posts
    • 1,597 Thanks
    Kitten868
    I have had an idea. Start taking pictures of the rooms in your house so you can see the difference youre making. You're doing great jwil. xxx
    Loan 1 £7200/£8000
    Loan 2 £5200/£5800
    Total £12400/£13800 10% PAID
    • jwil
    • By jwil 18th Apr 17, 8:49 AM
    • 7,381 Posts
    • 20,080 Thanks
    jwil
    Ooh, just found your shiny new diary jwil. I will follow again with interest. You're such an inspiration.
    I'm planning to start a new diary myself in a few weeks.
    Originally posted by tattycath
    Hi tattycath, nice to see you! I look forward to seeing your new diary

    Hey Jwil.

    No, I don't have a diary. I am focussing though and have started a lovely shiny spreadsheet today with money owing and monthly outgoings so I can focus on what I really do spend our money on and what I should be spending it on. I have also refreshed all my survey site memberships and started refreshing those, so thanks again for the push. I think I will cash those in every £50 or so, concentrating on putting bank accounts in the black then paying off credit cards first.

    I'm getting quite excited about being in control again, but really do need to remember that I have a life around this too - as in it's now 4:30am and I'm still working on getting info together rather than getting much needed sleep!

    Once this is all done, I will be focussing on PPI reclaims for both me and my mum. Going back to work is severely going to hamper my time on this! Am currently off sick with a broken foot. Really should have started this 5 weeks ago rather than wait until the last minute! Lol

    !!!!!! about your other half having worked cancelled. We too are at the mercy of agencies as my hubby works freelance so I can fully relate!

    Good luck with your week ahead.

    Pelepeg.
    Originally posted by Pelepeg
    Ouch to the broken foot Pelepeg! Hope it's healing nicely. That is focussed, sorting everything out at 4.30am

    Good luck with the ppi claims, and well done for refreshing your survey memberships. I generally cash out as soon as I can as I figure the money's not guaranteed until I've got it, but waiting til £50 means you'll have a nice lump sum.

    You sound like you've got a good plan

    Great to catch up and hear about the decluttering!! Great progress, well done jwil (and Team Jwil as Mr Jwil seems to have got a move on which is brilliant). Sorry re agencies...it's hardly ideal is it..

    Like the idea of another new shiny diary (as Beanie would say!) TC...sounds good
    Originally posted by brizzledfw
    Thanks Brizzle, yes Mr jwil does seem to be getting on with things, hurrah!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 18th Apr 17, 8:57 AM
    • 7,381 Posts
    • 20,080 Thanks
    jwil
    Hi jwil, stumbled across your diary, have spotted your posts on other threads. Hope you don't mind me subscribing. I'm also keen to Declutter and need lessons in how to convert the rest of the household.
    Originally posted by in need of direction
    Hi INOD, of course I don't mind, it's lovely to have visitors! I'm not sure nagging as much as I do counts as converting the rest of the household but I do think that leading by example does help others think about their own clutter

    I have had an idea. Start taking pictures of the rooms in your house so you can see the difference youre making. You're doing great jwil. xxx
    Originally posted by Kitten868
    Thanks kitten I took photos at the end of 2015 when I went on maternity leave, and then when I looked at them at the end of 2016 before I came back, I cried as they looked exactly the same, just different stuff However, I think if I looked again now, it would look slightly better, so we are getting somewhere.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 18th Apr 17, 9:06 AM
    • 7,381 Posts
    • 20,080 Thanks
    jwil
    Hey everyone, I haven't been on for a while. We were off last week and as the weather was dry we decided to make the most of it, and sod the house for a while.

    We have been out and about, to the zoo, the seaside, the gruffalo trail, the park etc and it was lovely.

    We did also manage to sell at 3 car boots over the week and have cleared loads of stuff so I'm super happy! My exercise equipment isn't selling, so I've asked DH to investigate whether one of the charities will take it instead. I should have sold it in January!

    We've also had loads of ebay sales so lots has left there too including 3 sacks to go today.

    Back on it with a vengeance this week though.

    I am desperately trying to cash out on a couple of survey sites as I need some more packaging, but on one site where I have enough to redeem, amazon vouchers are out of stock, and the other site where I am very close, I keep getting screened out! I don't want to spend actual cash!
    "If you can dream it, you can do it". Walt Disney
    • Kitten868
    • By Kitten868 18th Apr 17, 1:32 PM
    • 815 Posts
    • 1,597 Thanks
    Kitten868
    Great news jwil.lovely to hear about your lovely days out. Sounds brilliant. 3 sacks full. brilliant.
    there's always loads of stuff when you have kids. I'm certain there is less stuff in your house xxx
    Loan 1 £7200/£8000
    Loan 2 £5200/£5800
    Total £12400/£13800 10% PAID
    • jwil
    • By jwil 19th Apr 17, 5:32 PM
    • 7,381 Posts
    • 20,080 Thanks
    jwil
    Great news jwil.lovely to hear about your lovely days out. Sounds brilliant. 3 sacks full. brilliant.
    there's always loads of stuff when you have kids. I'm certain there is less stuff in your house xxx
    Originally posted by Kitten868
    Thanks kitten, I'm pleased with what's gone
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 19th Apr 17, 5:38 PM
    • 7,381 Posts
    • 20,080 Thanks
    jwil
    Hey everyone

    Another few sales yesterday, so another few parcels gone today. Also I've sold a few BINs today so that's good as well.

    Which is all good news as today my car wouldn't start DH got it started and has taken it to the garage who have checked the battery and alternator which are both fine. He's going to drop it off there again later so they can check it in the morning and see if it's the starter motor or a cable or something. Always something

    In better news, we had a letter from the water company saying they've overcharged us for years, so have a £200 credit being applied to our account That will save £20 a month off our stupidly extortionate water bills this year

    I've remembered I've got about £20 payable in TCB so must claim that. I changed my bank account which meant I couldn't withdraw for a few days, then completely forgot about it!

    Still not there on the survey redemptions, must keep trying, and am going to have to order some packaging anyway.
    "If you can dream it, you can do it". Walt Disney
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,663Posts Today

5,674Users online

Martin's Twitter