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
    • 7,443Posts
    • 20,375Thanks
    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 3
    • retiredandskint
    • By retiredandskint 19th Apr 17, 6:04 PM
    • 625 Posts
    • 4,273 Thanks
    retiredandskint
    Well done on the sales jwil and good news on the water bill refund. Can you discipline yourself to save that £20 a month. I know things will come up but you'd have found a way round it and still paid the water bill. It'd be a good start to a savings fund.
    • jwil
    • By jwil 20th Apr 17, 11:51 AM
    • 7,443 Posts
    • 20,375 Thanks
    jwil
    Well done on the sales jwil and good news on the water bill refund. Can you discipline yourself to save that £20 a month. I know things will come up but you'd have found a way round it and still paid the water bill. It'd be a good start to a savings fund.
    Originally posted by retiredandskint
    Good thinking retired, I'll have to have a look. It seems to be 1 step forward 10 back at the moment, but I'd like to.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 20th Apr 17, 11:55 AM
    • 7,443 Posts
    • 20,375 Thanks
    jwil
    An update:

    Decluttering:
    Books: 242
    Magazines/papers: 38
    Ebay parcels: 643
    Other: 169

    Total: 1092


    Ebay listings: 802

    Survey/other earnings:
    Amazon: £35
    Paypal/cash: £61.39
    Other vouchers:
    Last edited by jwil; 20-04-2017 at 11:59 AM.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 20th Apr 17, 11:58 AM
    • 7,443 Posts
    • 20,375 Thanks
    jwil
    Decluttering:

    150. bag
    151. calendar
    152. Etch a sketch
    153. trainers
    154. 2 x pairs shoes
    155. toy
    156. Plug socket cover
    157. Document wallet
    158. 3 x file folders
    159. binder covers
    160. paperwork
    161. pair trousers
    162. tea cards
    163. 3 x tubes superglue
    164. 2 x pairs socks
    165. 3 x folders
    166. bundles of college work
    167. greetings cards
    168. Stepper
    169. Bundle of soft toys
    "If you can dream it, you can do it". Walt Disney
    • tattycath
    • By tattycath 20th Apr 17, 2:11 PM
    • 6,771 Posts
    • 35,642 Thanks
    tattycath
    Well done jwil, industrious as ever.
    I have finally started my new thread over on the MFW board.
    GE 36 *MFD
    MFIT-T4 No 106
    Mortgage overpayments:July £47.36
    July : £5.05/£200 grocery 1/7/17 £98.36/£150
    Emergency savings £67.00/£2000
    Savercard Christmas savings £60
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb
    • jwil
    • By jwil 20th Apr 17, 2:20 PM
    • 7,443 Posts
    • 20,375 Thanks
    jwil
    Well done jwil, industrious as ever.
    I have finally started my new thread over on the MFW board.
    Originally posted by tattycath
    I'll go and hunt you down
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 20th Apr 17, 2:32 PM
    • 7,443 Posts
    • 20,375 Thanks
    jwil
    Well today has been flipping awful. I logged into my mortgage account this morning, and a big warning came up that we are in arrears and need to do something about it urgently!

    It then said we were £40k in arrears

    Naturally I panicked. I wondered if they were calling in the mortgage or something. Then when I calmed down I figured, how could we be in £40k arrears without them telling us about it. It would mean that we'd never have made a payment to the mortgage!

    I looked at the balances and all was as it should have been, all payments are showing, and double checked all statements to see if any arrears had been noted before. Nothing whatsoever.

    I figured I'd contact them after work to see what the hell was going on. But have just logged in again, and the whole message is gone. It must have been a glitch. Everything looks normal. What a relief!

    Even though I knew it couldn't be right, it still had me panicking so much!

    DH has gone to get my car, so waiting to find out how much that is. Shouldn't be too much as they haven't found anything wrong. I'll just have to hope that it doesn't happen again.
    "If you can dream it, you can do it". Walt Disney
    • mummytogirls
    • By mummytogirls 20th Apr 17, 2:43 PM
    • 5,211 Posts
    • 15,272 Thanks
    mummytogirls
    Afternoon Jwil,

    Just caught up with your new diary. You are doing so well with your decluttering, I would dread to see whats up in our loft.. DH deals with that!!!

    How worrying about the mortgage arrears message that came up, glad its sorted now though xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £7586.76 - 31/05/17 - 67.25% paid off
    • abba1772
    • By abba1772 20th Apr 17, 2:52 PM
    • 3,551 Posts
    • 9,219 Thanks
    abba1772
    I would be in a blind panic if that that happened to me too, glad it's disappeared xx
    NEXT TARGET HALIFAX CC WAS £3572.57 NOW £3529.52
    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 £3076.97 / £6000
    • jwil
    • By jwil 20th Apr 17, 4:57 PM
    • 7,443 Posts
    • 20,375 Thanks
    jwil
    Afternoon Jwil,

    Just caught up with your new diary. You are doing so well with your decluttering, I would dread to see whats up in our loft.. DH deals with that!!!

    How worrying about the mortgage arrears message that came up, glad its sorted now though xx
    Originally posted by mummytogirls
    Thank you mummytogirls I don't go up in our loft, it's crammed! I don't think there's much of mine up there now though.

    I would be in a blind panic if that that happened to me too, glad it's disappeared xx
    Originally posted by abba1772
    I've logged in a couple more times to check it's still gone
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 20th Apr 17, 5:01 PM
    • 7,443 Posts
    • 20,375 Thanks
    jwil
    I've managed to get some listings on.

    DH is working tonight so will have a relaxing evening once the kids are in bed.

    The lovely folk at the garage didn't charge me a thing Just have to see how it goes now, hopefully it was a one off. I need to try and keep some cash aside for a starter motor in case it is that which needs replacing.
    "If you can dream it, you can do it". Walt Disney
    • Pelepeg
    • By Pelepeg 21st Apr 17, 1:30 AM
    • 19 Posts
    • 15 Thanks
    Pelepeg
    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!
    Originally posted by jwil
    Hey Jwil.
    Try again! Now that everyone has eaten their Easter Eggs and the prospect of summer bodies loom, you may well be in luck!

    I have been busy surveying and cashing out. Decided to lower the £50 limit and just do it as and when I can so as to pay down the highest CC. Also have things that have been building up over several years, as and when, which I've now cashed out due to Shopitize going t*ts up!

    So I have:
    TCB £184.39
    Quidco £46.77
    Surveys £20.55

    Total £251.71, which when all credited, will go towards the most expensive £621.43 debt on a card (have another several thousand on that card and another, but all at a lower interest rate.)

    Am also due a rebate on Council Tax of over £1k. Very tempted to put half of this in a holiday fund. Need the other half to buy my daughter a new tablet for school. Actually, the holiday fund bit will probably go on her school uniform. Ah well, in on one hand and out on the other. At least it's coming in first.

    Foot is healing well and I'm out of cast now. Got a boot on for another four weeks whilst I learn to walk again, then can start on the boot sale circuit. Clear out some of the rubbish currently stored under dd's bed!! Never know, may well clear enough space for her desk!

    I see your de-cluttering is going well. And having a break over the holiday was most likely needed for you all.

    Keep going. You're doing so well.
    • jvr
    • By jvr 21st Apr 17, 9:15 AM
    • 299 Posts
    • 1,033 Thanks
    jvr
    Hi


    Delurking to say someone else had a bank do a similar thing and when they complained they got a £100 - could be worth a letter saying how distressed it made you!
    10 month debt free challenge + trip to South Africa starting on the 21st of July 2017!

    Starting point: £9000 needed to clear debt and pay for the holiday
    Now: £400/£9000 paid
    • jwil
    • By jwil 25th Apr 17, 2:32 PM
    • 7,443 Posts
    • 20,375 Thanks
    jwil
    Hey Jwil.
    Try again! Now that everyone has eaten their Easter Eggs and the prospect of summer bodies loom, you may well be in luck!

    I have been busy surveying and cashing out. Decided to lower the £50 limit and just do it as and when I can so as to pay down the highest CC. Also have things that have been building up over several years, as and when, which I've now cashed out due to Shopitize going t*ts up!

    So I have:
    TCB £184.39
    Quidco £46.77
    Surveys £20.55

    Total £251.71, which when all credited, will go towards the most expensive £621.43 debt on a card (have another several thousand on that card and another, but all at a lower interest rate.)

    Am also due a rebate on Council Tax of over £1k. Very tempted to put half of this in a holiday fund. Need the other half to buy my daughter a new tablet for school. Actually, the holiday fund bit will probably go on her school uniform. Ah well, in on one hand and out on the other. At least it's coming in first.

    Foot is healing well and I'm out of cast now. Got a boot on for another four weeks whilst I learn to walk again, then can start on the boot sale circuit. Clear out some of the rubbish currently stored under dd's bed!! Never know, may well clear enough space for her desk!

    I see your de-cluttering is going well. And having a break over the holiday was most likely needed for you all.

    Keep going. You're doing so well.
    Originally posted by Pelepeg
    Thanks pelepeg I've got it on still and will give it a month and review. Ooh, just looked, it's got a lot of watchers now so fingers crossed!

    I think it's always a good idea to cash in 'free' money as soon as you can, just in case! Nice amount coming to you, and woo hoo for the CTAX rebate too! It's always so annoying when it has to go straight back out again isn't it.

    Glad the foot is healing well, hopefully not too long til the boot is off!

    Hi


    Delurking to say someone else had a bank do a similar thing and when they complained they got a £100 - could be worth a letter saying how distressed it made you!
    Originally posted by jvr
    thanks for delurking jvr, and thank you! Good idea, I shall dust off my complaint gloves! It certainly did distress me
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 25th Apr 17, 2:37 PM
    • 7,443 Posts
    • 20,375 Thanks
    jwil
    Do you know, I sat down and worked out yesterday what was going out this month. I calculated that for the first time in months, my income would be enough to cover all the bills I was so happy.

    Then today the car wouldn't start again so it's back at the garage for the starting motor. I'm annoyed, but it's not quite so dire as it has been recently.

    Lots of sales recently so that is good. Another bank holiday weekend this weekend, so hoping to sell at 2 car boots subject to weather.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 25th Apr 17, 2:37 PM
    • 7,443 Posts
    • 20,375 Thanks
    jwil
    Decluttering:

    150. bag
    151. calendar
    152. Etch a sketch
    153. trainers
    154. 2 x pairs shoes
    155. toy
    156. Plug socket cover
    157. Document wallet
    158. 3 x file folders
    159. binder covers
    160. paperwork
    161. pair trousers
    162. tea cards
    163. 3 x tubes superglue
    164. 2 x pairs socks
    165. 3 x folders
    166. bundles of college work
    167. greetings cards
    168. Stepper
    169. Bundle of soft toys
    170. Calendar 1999(!)
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 25th Apr 17, 2:41 PM
    • 7,443 Posts
    • 20,375 Thanks
    jwil
    So my end of month update:

    Total debt: £34,229/£33,941 = 0.84% paid
    Savings target: £19,320/£45 = 0.23% reached


    Slowly but surely...
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 25th Apr 17, 2:44 PM
    • 7,443 Posts
    • 20,375 Thanks
    jwil
    Decluttering:
    Books: 247
    Magazines/papers: 38
    Ebay parcels: 686
    Other: 170

    Total: 1092


    Ebay listings: 849

    Survey/other earnings:
    Amazon: £83.35
    Paypal/cash: £64.39
    Other vouchers:
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 25th Apr 17, 2:45 PM
    • 7,443 Posts
    • 20,375 Thanks
    jwil
    I redeemed £48 in amazon vouchers last week, and spent them all on packaging!

    At least I didn't have to use too much 'real' cash.
    "If you can dream it, you can do it". Walt Disney
    • retiredandskint
    • By retiredandskint 25th Apr 17, 4:23 PM
    • 625 Posts
    • 4,273 Thanks
    retiredandskint
    You're doing well. I'm pleased to see that you've managed to have started a savings pot.

    I eventually got a letter from BG explaining the £80 credit in my bank. They had got the gist of my complaint so wrong that i complained again. Thank you BG for another £50. While on a roll I ordered my D-i-L some flowers from N*xt. They arrived Friday, half were dead by Saturday and the rest by Sunday. Another complaint and today upgraded flowers and box of chocolates were delivered.

    It pays to complain
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

1,690Posts Today

6,936Users online

Martin's Twitter
  • Byebye! I'm about to stop work & twitter, to instead spend glorious time with Mrs & mini MSE. Wishing u a lovely summer. See u in 10 days.

  • WARNING Did you start Uni in or after 2012? The interest's rising to 6.1%; yet it doesnt work like you think. See https://t.co/IQ8f0Vyetu RT

  • RT @JanaBeee: @MartinSLewis Boris is the anomaly (coffee), the others are versions of normal (beer). Lots of same candidates = vote share d?

  • Follow Martin