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  • FIRST POST
    • jwil
    • By jwil 27th Mar 17, 2:47 PM
    • 7,921Posts
    • 23,199Thanks
    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 34
    • pennywisepoundstupid
    • By pennywisepoundstupid 1st Jan 18, 8:42 AM
    • 4,565 Posts
    • 14,971 Thanks
    pennywisepoundstupid
    Well done Jwil, you have worked so hard and achieved so much in the last 12 months, you should be very proud of yourself. xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £189.00 General savings £150.20
    Clothes challenge £250/£36.63
    • jwil
    • By jwil 1st Jan 18, 8:43 AM
    • 7,921 Posts
    • 23,199 Thanks
    jwil
    I'm under no illusions that 2018 is going to be as successful as 2017 on the debt front. I'm just paying token payments so the debts will not be reducing much at all. This time next year my childcare bill should fall so hopefully will be able to make a dent in things then.

    However, this year, the Great Declutter continues! I hope to raise as much as I can to add to savings so I can do F&F, and get those debts cleared as soon as possible!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 1st Jan 18, 8:43 AM
    • 7,921 Posts
    • 23,199 Thanks
    jwil
    Well done Jwil, you have worked so hard and achieved so much in the last 12 months, you should be very proud of yourself. xx
    Originally posted by pennywisepoundstupid
    Thanks penny, I am very pleased with that
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 1st Jan 18, 8:51 AM
    • 7,921 Posts
    • 23,199 Thanks
    jwil
    Todays pads:

    £1.90 to Mortgage
    £2.00 to debt savings
    £1.60 to joint od


    Debt savings - £19,320/£18,392 - £928 paid
    "If you can dream it, you can do it". Walt Disney
    • in need of direction
    • By in need of direction 1st Jan 18, 12:16 PM
    • 4,799 Posts
    • 27,284 Thanks
    in need of direction
    You're doing so well, you are a true inspiration. Well done.
    Mortgage at 01.01.14 £119,481.83 today £78,892.61, target £65,000 by 31/12/18 Offset fund today £4,075.43 target £5,500 by 31/12/18
    Emergency fund £355.5k & £200/200 cash.
    Current weight loss 9/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • WannabeFree
    • By WannabeFree 1st Jan 18, 12:23 PM
    • 395 Posts
    • 5,590 Thanks
    WannabeFree
    You're doing so well, you are a true inspiration. Well done.
    Originally posted by in need of direction
    Totally agree

    Happy new year 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 Jan 18, 6:56 PM
    • 7,921 Posts
    • 23,199 Thanks
    jwil
    You're doing so well, you are a true inspiration. Well done.
    Originally posted by in need of direction
    Totally agree

    Happy new year x
    Originally posted by WannabeFree
    Aww thank you guys Your diaries are very inspirational for me too
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 1st Jan 18, 6:57 PM
    • 7,921 Posts
    • 23,199 Thanks
    jwil
    We've been to the seaside today to blow the cobwebs away, it was actually quite nice in the sun!

    Little miss is back to nursery tomorrow, so we should be able to crack on and get some stuff done.

    I've managed 23 listings today and also cashed out £5 from a survey site.
    "If you can dream it, you can do it". Walt Disney
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 1st Jan 18, 9:13 PM
    • 2,813 Posts
    • 16,282 Thanks
    HairyHandofDartmoor
    Wow you've had a really good year when you sum it all up like that . I hope 2018 is just as successful for you.
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • jwil
    • By jwil 2nd Jan 18, 6:39 AM
    • 7,921 Posts
    • 23,199 Thanks
    jwil
    Wow you've had a really good year when you sum it all up like that . I hope 2018 is just as successful for you.
    Originally posted by HairyHandofDartmoor
    Thanks HHD, I was amazed how good it was too I hope 2018 is a good year for you too
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 2nd Jan 18, 6:41 AM
    • 7,921 Posts
    • 23,199 Thanks
    jwil
    Todays pads:

    £2.06 to Mortgage
    £5.00 to debt savings
    £1.20 to joint od


    Debt savings - £19,320/£18,387 - £933 paid

    Up early today to get some ebay packing done so I can get it posted when I take little miss to nursery, and get on for the rest of the day!
    "If you can dream it, you can do it". Walt Disney
    • WannabeFree
    • By WannabeFree 2nd Jan 18, 11:14 AM
    • 395 Posts
    • 5,590 Thanks
    WannabeFree
    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
    • abba1772
    • By abba1772 2nd Jan 18, 2:38 PM
    • 4,144 Posts
    • 13,100 Thanks
    abba1772
    Wow 3000 items.......that's a lot well done xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £4079.85
    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 £7278.80 POAMAYC 2018 £271.58
    • jwil
    • By jwil 3rd Jan 18, 7:46 AM
    • 7,921 Posts
    • 23,199 Thanks
    jwil
    Have a lovely day x
    Originally posted by WannabeFree
    Thank you, you too

    Wow 3000 items.......that's a lot well done xx
    Originally posted by abba1772
    I know, I don't understand why my house isn't empty
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 3rd Jan 18, 7:48 AM
    • 7,921 Posts
    • 23,199 Thanks
    jwil
    Todays pads:

    £1.96 to Mortgage
    £2.00 to debt savings
    £1.83 to joint od


    Debt savings - £19,320/£18,385 - £935 paid
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 3rd Jan 18, 7:53 AM
    • 7,921 Posts
    • 23,199 Thanks
    jwil
    We had a busy day yesterday. DH built my new bookcase so the old one has gone. I also KM'd the kitchen, just the food cupboard to do now, which shouldn't be too bad as it wasn't done too long ago.

    Absolutely loads of crockery gone We inherited loads and we don't use it so it's been chucked in an awkward cupboard. That's all gone now. Still not sure what I'll use the awkward cupboard for, maybe it will stay empty!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 3rd Jan 18, 3:20 PM
    • 7,921 Posts
    • 23,199 Thanks
    jwil
    It's such flipping hard work trying to do anything here

    I've had to move the toy pile to get to the unit behind it. Move all the books from there to the new bookcase. Put back the toy pile (We did sort through some of it and have some to go now). Move another pile of boxes to get to the bookcase behind it. Empty that and box up the nick nacks on top to go through another time. Pile 'overflow' books onto the dining table Put all boxes back. I now have an empty bookcase to remove at a later point.

    To get the books on the dining table into a bookcase, I have to move a chair and another pile of stuff. Empty that bookcase of all the bits and pieces, and then reorganise that and the new bookcase, at which point, I hope that the books will all go into the two of them.

    I haven't got time to do that now today as I need to go and get little miss soon and need to tidy up first. However frustrating it is, I am pleased with how much I've got sorted today. I have discovered however, that although I thought I was just about done with my 'to be read' pile, I am not anywhere near done I also have a huge number of larger books that I need to look through and get rid of.

    I have also rediscovered a load of joy sparking books which have not seen the light of day for years and am really looking forward to putting them out where I can see them and enjoy them
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 4th Jan 18, 8:49 AM
    • 7,921 Posts
    • 23,199 Thanks
    jwil
    Todays pads:

    £1.95 to Mortgage
    £5.00 to debt savings
    £3.05 to joint od


    Debt savings - £19,320/£18,380 - £940 paid
    "If you can dream it, you can do it". Walt Disney
    • WannabeFree
    • By WannabeFree 4th Jan 18, 10:34 AM
    • 395 Posts
    • 5,590 Thanks
    WannabeFree
    Getting lots done

    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 5th Jan 18, 8:00 AM
    • 7,921 Posts
    • 23,199 Thanks
    jwil
    Getting lots done

    Have a lovely day x
    Originally posted by WannabeFree
    Thank you
    "If you can dream it, you can do it". Walt Disney
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