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  • FIRST POST
    • jwil
    • By jwil 27th Mar 17, 2:47 PM
    • 8,069Posts
    • 23,804Thanks
    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 38
    • jwil
    • By jwil 26th Jan 18, 7:57 AM
    • 8,069 Posts
    • 23,804 Thanks
    jwil
    Cheering you on from the sidelines for the first £1000
    Originally posted by retiredandskint
    Thank you I'm so close! I'll be there next week on payday if not before
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 26th Jan 18, 8:05 AM
    • 8,069 Posts
    • 23,804 Thanks
    jwil
    Todays pads:

    £1.95 to Mortgage
    £10.00 to debt savings
    £4.04 to joint od


    Debt savings - £19,320/£18,320 - £1000 paid

    Sod it, I had some ebay sales last night, so there I am, £1k towards debt savings

    4 parcels posted.

    I also discovered I had £20 in a survey account last night so have redeemed that. I also redeemed £5 amazon yesterday, and used the £10 discount that was on amazon yesterday to get some birthday presents for little jwil and the glut of parties that are coming up!
    "If you can dream it, you can do it". Walt Disney
    • retiredandskint
    • By retiredandskint 26th Jan 18, 8:38 AM
    • 674 Posts
    • 4,409 Thanks
    retiredandskint
    well done you. Just the last few £££s of that pesky overdraft to go and you'll be ready for the next £1000. I can see that debt-free date getting closer.
    • abba1772
    • By abba1772 26th Jan 18, 12:28 PM
    • 4,346 Posts
    • 14,308 Thanks
    abba1772
    Well done jwil you're on fire keep it up xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2625.43
    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 £2193.69
    • WannabeFree
    • By WannabeFree 26th Jan 18, 12:49 PM
    • 1,097 Posts
    • 9,012 Thanks
    WannabeFree
    Well done amazing progress 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 26th Jan 18, 4:23 PM
    • 8,069 Posts
    • 23,804 Thanks
    jwil
    well done you. Just the last few £££s of that pesky overdraft to go and you'll be ready for the next £1000. I can see that debt-free date getting closer.
    Originally posted by retiredandskint
    Well done jwil you're on fire keep it up xx
    Originally posted by abba1772
    Well done amazing progress x
    Originally posted by WannabeFree
    Thanks Guys, It would be nice to see the £17ks there The overdraft will be gone next week, it will be good to see the back of that too
    "If you can dream it, you can do it". Walt Disney
    • in need of direction
    • By in need of direction 26th Jan 18, 9:17 PM
    • 4,851 Posts
    • 27,641 Thanks
    in need of direction
    so good breaking a barrier and going full speed to the next one
    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 £3.5/5.5k & £200/200 cash.
    Current weight loss10/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • jwil
    • By jwil 27th Jan 18, 8:08 AM
    • 8,069 Posts
    • 23,804 Thanks
    jwil
    so good breaking a barrier and going full speed to the next one
    Originally posted by in need of direction
    Thank you
    "If you can dream it, you can do it". Walt Disney
    • ploppy57
    • By ploppy57 27th Jan 18, 4:51 PM
    • 543 Posts
    • 3,805 Thanks
    ploppy57
    Well done. Keep up the good work
    DMP March '15 £57549. Now £44518. Going SM Feb '18 to get DF sooner.
    Emergency fund #231... £35/£1000.
    £2 Challenge #43.. £12. 20p Challenge #104.. £6.80
    Christmas 2018 challenge £9.26/£300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 27th Jan 18, 4:59 PM
    • 3,390 Posts
    • 21,415 Thanks
    HairyHandofDartmoor
    Todays pads:

    £1.95 to Mortgage
    £10.00 to debt savings
    £4.04 to joint od


    Debt savings - £19,320/£18,320 - £1000 paid

    Sod it, I had some ebay sales last night, so there I am, £1k towards debt savings

    4 parcels posted.

    I also discovered I had £20 in a survey account last night so have redeemed that. I also redeemed £5 amazon yesterday, and used the £10 discount that was on amazon yesterday to get some birthday presents for little jwil and the glut of parties that are coming up!
    Originally posted by jwil
    That's brilliant well done . You're really making some progress
    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 = £0/Loss of Income Fund £0
    • jwil
    • By jwil 28th Jan 18, 9:04 AM
    • 8,069 Posts
    • 23,804 Thanks
    jwil
    Todays pads:

    £1.91 to Mortgage
    £1.00 to debt savings
    £0.87 to joint od


    Debt savings - £19,320/£18,319 - £1001 paid
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 28th Jan 18, 9:06 AM
    • 8,069 Posts
    • 23,804 Thanks
    jwil
    Well done. Keep up the good work
    Originally posted by ploppy57
    That's brilliant well done . You're really making some progress
    Originally posted by HairyHandofDartmoor
    Thanks guys
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 28th Jan 18, 9:11 AM
    • 8,069 Posts
    • 23,804 Thanks
    jwil
    Quiet weekend this weekend, as we've got a lovely cold doing the rounds at the moment! Two sales yesterday and a couple more for me at the moment tonight. DH has a load going out, and some really bulky stuff too so that should clear some space
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 29th Jan 18, 7:59 AM
    • 8,069 Posts
    • 23,804 Thanks
    jwil
    Todays pads:

    £1.95 to Mortgage
    £9.00 to debt savings
    £4.68 to joint od


    Debt savings - £19,320/£18,310 - £1010 paid

    13 parcels gone today including 5 very large ones 1 bulky one still to pay, hopefully they won't be too long.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 29th Jan 18, 8:04 AM
    • 8,069 Posts
    • 23,804 Thanks
    jwil
    £117.10 to go on the joint od. It will be cleared on Wednesday.

    That money will then go to car savings. I'm going to start putting aside for a car. I want £3k for that, that should get me a half decent car (I have to have one for work as it's in my contract, so need something semi reliable). I'm still going to keep mine going as long as possible, but I'd like to have the funds there.
    "If you can dream it, you can do it". Walt Disney
    • in need of direction
    • By in need of direction 29th Jan 18, 9:20 AM
    • 4,851 Posts
    • 27,641 Thanks
    in need of direction
    Whoop! Whoop! The 1k barrier broken and the joint OD soon to be cleared. You're on a roll!
    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 £3.5/5.5k & £200/200 cash.
    Current weight loss10/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Purplemumof2
    • By Purplemumof2 29th Jan 18, 10:17 AM
    • 5,804 Posts
    • 21,546 Thanks
    Purplemumof2
    Fantastic progress jwil, you're doing brilliantly x
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6750.00 Cap 1: £456.79 BC: £8800.00
    AFD 3/14 NSD 3/14 LTW 6/14
    POAMAYC 2018 #041 PD £1194.42/£4000
    Savings for Christmas £60.84/£365
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • jwil
    • By jwil 29th Jan 18, 5:41 PM
    • 8,069 Posts
    • 23,804 Thanks
    jwil
    Whoop! Whoop! The 1k barrier broken and the joint OD soon to be cleared. You're on a roll!
    Originally posted by in need of direction
    Fantastic progress jwil, you're doing brilliantly x
    Originally posted by Purplemumof2
    Thank you both
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 31st Jan 18, 5:26 PM
    • 8,069 Posts
    • 23,804 Thanks
    jwil
    Still onwards and downwards!
    Iím back after my previous diary was deleted Iím hoping I can recover my declutter lists and my SOA (as well as the rest!). A lovely fellow MSEír has given me some advice about how to do it, so thank you

    Anyway, thereís me, DH, DS and DD. My debts are all mine and I deal with them myself. They have built up over the years for a number of different reasons, mostly poor money management. I have battled and battled for years trying to keep on top of everything, robbing Peter to pay Paul, until at the end of 2015 I decided enough was enough and I got in touch with Stepchange who were fantastic. I stayed with them for about a year, and a few months ago went self-managed on my DMP, thanks to the brilliant DMP thread on here which is chock full of advice (although I lurk rather than post ).

    I had some very good results last year which meant I managed to clear over £13,000 of my debt. One was written off completely (almost £7k!), I had a small Plevin claim which reduced one, and a complaint about charges reduced another. I also received a large complaint payment which I used to set up an emergency fund and clear a small debt, and a smaller PPI payment which I used to settle an unenforceable debt for around 30% of the total owed. None of these things would have happened without the advice and support available on this site so I will be eternally grateful to everyone who posts on here!

    Now there are no easy wins left so the hard work continues!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 31st Jan 18, 5:27 PM
    • 8,069 Posts
    • 23,804 Thanks
    jwil
    As anyone who has read any of my previous diaries, I have spent the last few years trying to clear our very cluttered house. I have been keeping an ongoing declutter list on here for the last few years, and this is one thing I will be very sad to have lost as it shows the progress weíve made. It is finally getting to the stage where we can start seeing a difference and I want to keep up the momentum.
    "If you can dream it, you can do it". Walt Disney
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