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
    • 7,801Posts
    • 22,369Thanks
    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 27
    • jwil
    • By jwil 30th Nov 17, 10:49 AM
    • 7,801 Posts
    • 22,369 Thanks
    jwil
    Decluttering:

    450. Bath toys
    451. pen
    452. 2 x cheque books
    453. Chair
    454. 2 x crates
    455. reusable bag
    456. 3 bags clothing
    457. Soft toy.
    458. Shoes

    Decluttering:
    Books: 536
    Magazines/papers: 52
    Ebay parcels: 1619
    Other: 458

    Total: 2665


    Ebay listings: 1824

    Survey/other earnings:
    Amazon: £206.56
    Paypal/cash: £221.60
    Other vouchers:£5.00
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 30th Nov 17, 11:36 AM
    • 7,801 Posts
    • 22,369 Thanks
    jwil
    End of month summary:

    Total debt:

    1. £2,301.00/ £2,286.00
    2. £8,388.00/ £8,335.00
    3. £6,892.00/ £0.00
    4. £4,022.00/ £3,998.00
    5. £2,380.00/£1,898.00
    6. £4,586.00/£4,566.00
    7. £4,813.00/£4,786.00
    8. £1,175.00/£0.00

    £34,557/£25,869 = 25.14% paid
    Debt savings target: £19,320/£670 = 3.47% reached

    Emergency savings: £3000

    DFD - December 2087 August 2071

    Slowly but surely...
    "If you can dream it, you can do it". Walt Disney
    • in need of direction
    • By in need of direction 30th Nov 17, 11:57 AM
    • 4,737 Posts
    • 26,829 Thanks
    in need of direction
    hey, not so slowly. also remember that you were previously adding to debt so major financial changes
    Mortgage at 01.01.14 £119,481.83 today £79,389.12, target £75,000 by 31/12/17 Offset fund today £4,055.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £130/200 cash.
    Current weight loss 7/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • AdventureWanted
    • By AdventureWanted 30th Nov 17, 6:13 PM
    • 161 Posts
    • 579 Thanks
    AdventureWanted
    You’re doing really well Jwil. Your decluttering skills are amazing. I really must try harder on that front, especially before the DC get more toys for Christmas.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 30th Nov 17, 7:08 PM
    • 2,220 Posts
    • 10,628 Thanks
    HairyHandofDartmoor
    End of month summary:

    Total debt:

    1. £2,301.00/ £2,286.00
    2. £8,388.00/ £8,335.00
    3. £6,892.00/ £0.00
    4. £4,022.00/ £3,998.00
    5. £2,380.00/£1,898.00
    6. £4,586.00/£4,566.00
    7. £4,813.00/£4,786.00
    8. £1,175.00/£0.00

    £34,557/£25,869 = 25.14% paid
    Debt savings target: £19,320/£670 = 3.47% reached

    Emergency savings: £3000

    DFD - December 2087 August 2071

    Slowly but surely...
    Originally posted by jwil
    You're making great progress, two whole debts paid off and debt savings that are growing
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • jwil
    • By jwil 1st Dec 17, 6:35 AM
    • 7,801 Posts
    • 22,369 Thanks
    jwil
    Todays pads:

    £3.25 to Mortgage
    £5.00 to debt savings
    £2.95 to joint od


    Debt savings - £19,320/£18,645 - £675 paid
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 1st Dec 17, 6:37 AM
    • 7,801 Posts
    • 22,369 Thanks
    jwil
    hey, not so slowly. also remember that you were previously adding to debt so major financial changes
    Originally posted by in need of direction
    Thank you, yes you are right, that is one huge difference

    Youíre doing really well Jwil. Your decluttering skills are amazing. I really must try harder on that front, especially before the DC get more toys for Christmas.
    Originally posted by AdventureWanted
    I don't get as much out as I'd like but thank you! I must get round to the toys before Christmas!

    You're making great progress, two whole debts paid off and debt savings that are growing
    Originally posted by HairyHandofDartmoor
    Thank you I'm quite pleased with the debt savings actually
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 1st Dec 17, 6:41 AM
    • 7,801 Posts
    • 22,369 Thanks
    jwil
    I didn't get too much done yesterday Will try and do some more over the weekend.

    Reach £5 on 1 survey site so I can cashout
    Clean kitchen
    Clean out fridge
    Clean out freezers and inventory
    Clean bathroom
    Vacuum
    Get up to date with admin and tidy desk
    Sort and tidy packaging materials
    Put washing away
    Check Xmas gifts, see what I need to get
    Research Tumble driers
    Meal plan for next week
    Tackle and organise toy pile
    Christmas cards
    Write shopping list
    Box up DH's stuff in kids bedroom
    Get rid of highchair
    Get rid of baby walker
    Look for toy storage
    Open 2nd ebay account for DH
    Little miss' thank you cards
    Pay birthday money into bank
    Wrap advent calendar books
    Sort out advent calendars
    Sort out and wrap Xmas gifts that need to be posted
    Camel outfit for little jwil's nativity
    Reply to birthday party invite
    Book after school club for December
    Look for charity to send ink cartridges to
    Tidy porch
    Speak to builder
    Tidy kids' bedroom
    Clear space for Xmas tree

    I did get a £5 amazon voucher from a survey site, but one that was cashed out before so can't tick that off.

    I also got a good tip from another thread - on ipsos, the points value of a virtual mastercard is lower than an amazon voucher. You can then use the mastercard to top up your amazon account so get the same value for fewer points. I tried it the other day and it works So I'll be using that one for that site and see if it's the same on any others.
    "If you can dream it, you can do it". Walt Disney
    • pennywisepoundstupid
    • By pennywisepoundstupid 1st Dec 17, 6:55 AM
    • 4,429 Posts
    • 13,823 Thanks
    pennywisepoundstupid
    Jwil, ipsos is the only site so far that I have found that pre paid cards are lower points than amaz0n or paypal. You would think if they are worth the same amount in money that they would all be the same in points to withdraw.

    Well done with getting so far with paying your debt off, I remember how hard it was to get anything done with 2 little ones, you do an amazing job.
    Be mindful of your self-talk. It's a conversation with the Universe."

    Debt free and saving for my future
    • WannabeFree
    • By WannabeFree 1st Dec 17, 9:20 AM
    • 412 Posts
    • 2,818 Thanks
    WannabeFree
    All looking good

    Have a lovely day x
    ďOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.Ē
    • jwil
    • By jwil 1st Dec 17, 12:07 PM
    • 7,801 Posts
    • 22,369 Thanks
    jwil
    Jwil, ipsos is the only site so far that I have found that pre paid cards are lower points than amaz0n or paypal. You would think if they are worth the same amount in money that they would all be the same in points to withdraw.

    Well done with getting so far with paying your debt off, I remember how hard it was to get anything done with 2 little ones, you do an amazing job.
    Originally posted by pennywisepoundstupid
    Ah thank you, saves me looking! I don't understand why they are worth fewer points, but I'm not going to complain!

    Thank you, it is hard to get stuff done.

    Hope all is well with you

    All looking good

    Have a lovely day x
    Originally posted by WannabeFree
    Thank you, you too
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 1st Dec 17, 12:10 PM
    • 7,801 Posts
    • 22,369 Thanks
    jwil
    Well I guess this is a sign of how far I've come. Last night I've managed to lock DH's internet banking. I *know* I was putting in the correct details so I can't transfer his half of the bills to me until they post out a new access code.

    Just a few months ago, that would have been a crisis, and I would have had to send him out to the cashpoint, and then pay the cash into my account with all that faff. This month, the bills have all been paid, and it's just a minor inconvenience really as I can dip into my savings if I have to (I shouldn't)

    Little things like that make such a huge difference
    "If you can dream it, you can do it". Walt Disney
    • abba1772
    • By abba1772 1st Dec 17, 12:24 PM
    • 4,021 Posts
    • 12,327 Thanks
    abba1772
    Well I guess this is a sign of how far I've come. Last night I've managed to lock DH's internet banking. I *know* I was putting in the correct details so I can't transfer his half of the bills to me until they post out a new access code.

    Just a few months ago, that would have been a crisis, and I would have had to send him out to the cashpoint, and then pay the cash into my account with all that faff. This month, the bills have all been paid, and it's just a minor inconvenience really as I can dip into my savings if I have to (I shouldn't)

    Little things like that make such a huge difference
    Originally posted by jwil
    This must be a huge weight off your shoulders xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4536.82
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £6797.54 / £6000
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 1st Dec 17, 8:14 PM
    • 2,220 Posts
    • 10,628 Thanks
    HairyHandofDartmoor
    You're right, things like that do show how far you've come
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • jwil
    • By jwil 2nd Dec 17, 8:22 AM
    • 7,801 Posts
    • 22,369 Thanks
    jwil
    This must be a huge weight off your shoulders xx
    Originally posted by abba1772
    You're right, things like that do show how far you've come
    Originally posted by HairyHandofDartmoor
    Thank you, it is. I want to keep it that way!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 2nd Dec 17, 8:37 AM
    • 7,801 Posts
    • 22,369 Thanks
    jwil
    Todays pads:

    £2.69 to Mortgage
    £5.00 to debt savings
    £2.95 to joint od


    Debt savings - £19,320/£18,640 - £680 paid

    Spent half of last night up with little jwil complaining of an itchy bum. A visit to the pharmacy involved this morning I think.

    We are off out today to take little miss for a birthday day out. Not sure what we are doing yet as little seems to be open! The perils of having children out of season! We have the same problem with little jwil.
    "If you can dream it, you can do it". Walt Disney
    • WannabeFree
    • By WannabeFree 2nd Dec 17, 5:04 PM
    • 412 Posts
    • 2,818 Thanks
    WannabeFree
    Hope little Jwil is okay and you've had a lovely day out for Little miss birthday x
    ďOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.Ē
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 2nd Dec 17, 8:34 PM
    • 2,220 Posts
    • 10,628 Thanks
    HairyHandofDartmoor
    Todays pads:

    £2.69 to Mortgage
    £5.00 to debt savings
    £2.95 to joint od


    Debt savings - £19,320/£18,640 - £680 paid

    Spent half of last night up with little jwil complaining of an itchy bum. A visit to the pharmacy involved this morning I think.

    We are off out today to take little miss for a birthday day out. Not sure what we are doing yet as little seems to be open! The perils of having children out of season! We have the same problem with little jwil.
    Originally posted by jwil
    Oh no I remember the itchy bum. I used to keep some medicine in the bathroom cupboard all the time, so that as soon as one of them complained I could medicate straight away!

    Once all the DC went to secondary school they never suffered from itchy bums or heads again . It's definitely a primary school problem .
    Last edited by HairyHandofDartmoor; 02-12-2017 at 8:36 PM.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £818/Emergency Fund 2 = £203.76
    • jwil
    • By jwil 5th Dec 17, 8:05 AM
    • 7,801 Posts
    • 22,369 Thanks
    jwil
    Todays pads:

    £1.95 to Mortgage
    £5.00 to debt savings
    £2.64 to joint od


    Debt savings - £19,320/£18,635 - £685 paid
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 5th Dec 17, 10:43 AM
    • 7,801 Posts
    • 22,369 Thanks
    jwil
    Hope little Jwil is okay and you've had a lovely day out for Little miss birthday x
    Originally posted by WannabeFree
    Thank you

    Oh no I remember the itchy bum. I used to keep some medicine in the bathroom cupboard all the time, so that as soon as one of them complained I could medicate straight away!

    Once all the DC went to secondary school they never suffered from itchy bums or heads again . It's definitely a primary school problem .
    Originally posted by HairyHandofDartmoor

    The flipping pharmacy wouldn't sell me any without a GP diagnosis I checked on the NHS website and it says there is no need to see a GP unless you are pregnant, breastfeeding or under 2. None of which apply! I've been to a different one this morning who had no such qualms and said there's loads about at the moment ewww.

    I found a note in his bag this morning that nits are going round too. Joy! I've had a look and he doesn't seem to have any, but I'd better invest in a nit comb now as well.

    I would say it's a relief that they'll grow out of it, but that's a long time away yet
    "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

948Posts Today

6,235Users online

Martin's Twitter
  • RT @SF_England: @MartinSLewis Thanks Martin, just so everyone is aware- check your payslips between when you graduated and the following Ap?

  • Sorry to bubble burst. But each day a lot of people tweet me this. I think it doesn't show any other votes until t? https://t.co/uRny62NRc1

  • Today's Twitter poll: I want to find out are people generally happy. So how happy are you today? PS I did the same? https://t.co/3Gw9ylu2H2

  • Follow Martin