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  • FIRST POST
    • jwil
    • By jwil 27th Mar 17, 2:47 PM
    • 7,444Posts
    • 20,380Thanks
    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 4
    • jwil
    • By jwil 28th Apr 17, 2:20 PM
    • 7,444 Posts
    • 20,380 Thanks
    jwil
    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
    Originally posted by retiredandskint
    Thanks retired, and good complaining! That's a great result
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 28th Apr 17, 2:32 PM
    • 7,444 Posts
    • 20,380 Thanks
    jwil
    Well happy days, I've sold my exercise item

    Didn't get as much as I'd hoped, but I decided not to hold out, and the space in this sense is more valuable than waiting for a few extra ££.

    The space where it was has been refilled already, but there is a lot more light coming through now so it's good.

    It is also payday today and all bills have been paid That's the first time in what seems like forever. I need to cover a couple of bits that will come out throughout the month, but that should be easy enough.

    Fingers crossed then I might be able to put something away for savings.

    I'm waiting to hear our tax credit award, my income for this year will be back to normal but DH's is down. Also our childcare bill is huge and I'm not getting the vouchers any more, so hoping we'll still get something. When I know what that is, I'll be able to do a new SOA and see where we are.

    I'm thinking of going self managed with my DMP, but my concern if I do that is that I will be more inclined to overpay my debts rather than put money in savings, so I think I'll wait until I've got a bit saved up.

    Car is back again still without a starter motor. They don't think that's it, so have cleaned up some cables to see if that helps. If not, I'll go somewhere else for a second opinion. They didn't charge again though, so that's nice of them.

    The plan for this weekend is selling at 2 car boots subject to weather. Hoping to clear some more stuff!

    Hope everyone is well
    "If you can dream it, you can do it". Walt Disney
    • retiredandskint
    • By retiredandskint 28th Apr 17, 4:09 PM
    • 625 Posts
    • 4,275 Thanks
    retiredandskint
    If your creditors are willing to accept​ what you are paying them then don't overpay. With Mr jwil not having a permanent full-time job it really is important to have that savings pot. Without it you could easily slide into further debt when that unexpected bill comes in. Decide on how much you need as a savings pot once you've got that you can work towards saving for full and final payments.

    As Del Boy would say "you know it makes sense"

    Hope the car booting goes well this weekend. Mr Retired has to have another brain scan tomorrow minimum of 5 hrs round trip.
    • jwil
    • By jwil 28th Apr 17, 6:56 PM
    • 7,444 Posts
    • 20,380 Thanks
    jwil
    If your creditors are willing to accept​ what you are paying them then don't overpay. With Mr jwil not having a permanent full-time job it really is important to have that savings pot. Without it you could easily slide into further debt when that unexpected bill comes in. Decide on how much you need as a savings pot once you've got that you can work towards saving for full and final payments.

    As Del Boy would say "you know it makes sense"

    Hope the car booting goes well this weekend. Mr Retired has to have another brain scan tomorrow minimum of 5 hrs round trip.
    Originally posted by retiredandskint
    Good advice as ever retired, thank you! I must stop thinking about the debts all the time and become a saver! You are right, I should be saving towards full and finals.

    That doesn't sound like fun tomorrow for Mr Retired (or you!) Hope it goes ok xxx
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 2nd May 17, 12:20 PM
    • 7,444 Posts
    • 20,380 Thanks
    jwil
    Hope everyone had a good weekend

    We sold at a boot sale on Saturday, and did pretty well so we were pleased. We were out and about on Sunday which was nice. Yesterday it was wet so the boot sale we wanted to sell at was cancelled which was a shame, so I spent the whole day packing ebay parcels instead!

    So 4 sacks to go this morning and a few parcels for me to take to the post office later.
    "If you can dream it, you can do it". Walt Disney
    • in need of direction
    • By in need of direction 2nd May 17, 5:03 PM
    • 4,426 Posts
    • 24,752 Thanks
    in need of direction
    well done on both decluttering and earning
    Mortgage at 01.01.14 £119,481.83 today £81,750.18, target £75,000 by 31/12/17 Offset fund today £3,975.43 target £5,500 by 31/12/17
    Emergency fund £5.5k & £200 cash.
    Current weight loss 1/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • jwil
    • By jwil 3rd May 17, 11:59 AM
    • 7,444 Posts
    • 20,380 Thanks
    jwil
    Thank you INOD

    Not much to report today, a couple more sales yesterday but they haven't paid up yet.

    I made paella yesterday for tonight's dinner, and somehow seem to have wound up with a huge quantity At least that's lunch sorted for a couple of days.
    "If you can dream it, you can do it". Walt Disney
    • Hiddenidenity
    • By Hiddenidenity 9th May 17, 2:16 PM
    • 3,799 Posts
    • 15,083 Thanks
    Hiddenidenity
    An oldie popping in to follow xx

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • jwil
    • By jwil 11th May 17, 2:25 PM
    • 7,444 Posts
    • 20,380 Thanks
    jwil
    An oldie popping in to follow xx
    Originally posted by Hiddenidenity
    lovely to see you again HI, I did spot your new diary yesterday
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 11th May 17, 2:45 PM
    • 7,444 Posts
    • 20,380 Thanks
    jwil
    Hey everyone

    I've been trying to have a mammoth admin session to try and organise some stuff.

    I've set up my own DMP with the help of an online CAB site. I haven't actually sent off any letters yet or cancelled the existing one but I think I will once I've made some tweaks. I want to control it myself, especially if I'm going to make some F&F offers eventually. I need to update my income etc what with having gone back to work so it makes sense to do it then.

    I've renewed my tax credits so will probably wait until that award comes through to do it. If they get cancelled or reduced then I need to take that into account in the budget.

    I found the file for my car whilst I was digging stuff out, so out of curiosity added up what it's cost me since I owned it (10 years). Including original purchase price, but excluding insurance, tax and fuel, I've spent £6576 on it, so that's buying the car and repairs and maintenance. I think that's pretty darned good for a car that is now 17 years old! I'm sure there are a few random invoices floating around that haven't been included, but even adding a bit more on to that it's still really good value!

    Ebay sales are still trickling out. We've had two INR this week One we have tracking that shows it was delivered so that's won for us, the other one is an overseas one, and I can't refund it for some reason Ebay are telling me to send a payment, but I don't want to do that. I'll see what paypal say and nip over to the ebay board for advice I think.

    I've got loads of stuff prepped for listing, but haven't done any for a while so I must get on with that.

    DH went alone to the car boot on Saturday as I was doing other stuff. He managed to clear some more stuff so that's good. He's working this week, so I haven't had loads of listing to do which means I can do the admin stuff. I'm sure there'll be plenty more soon!

    I've received some washing up liquid and shampoo to test this week, so that's a nice bonus too
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 11th May 17, 2:48 PM
    • 7,444 Posts
    • 20,380 Thanks
    jwil
    Decluttering:
    Books: 278
    Magazines/papers: 38
    Ebay parcels: 785
    Other: 176

    Total: 1277


    Ebay listings: 903

    Survey/other earnings:
    Amazon: £88.35
    Paypal/cash: £64.39
    Other vouchers:
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 11th May 17, 2:49 PM
    • 7,444 Posts
    • 20,380 Thanks
    jwil
    Declutter:

    171. Exercise equipment
    172. Lunchbox
    173. Stepper
    174. Pen
    175. 12 x pieces contiboard
    176. Paperwork
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 11th May 17, 3:01 PM
    • 7,444 Posts
    • 20,380 Thanks
    jwil
    Something else I've done recently is googled myself. There's a senior job going in my workplace and they were googling the candidates. So I decided to see what was out there about me

    Thankfully not a lot. I keep my social media pretty locked down, so a few tweaks mean that I'm not too visible again. I do pop up quite a bit in relation to work, but there's nothing I can do about that.

    It's definitely worth doing!
    "If you can dream it, you can do it". Walt Disney
    • retiredandskint
    • By retiredandskint 13th May 17, 10:36 AM
    • 625 Posts
    • 4,275 Thanks
    retiredandskint
    Your DMP sounds like a 'cunning plan's ��. . I don't know anything about tax or child credits but seems sensible to wait until you've got all the figures before you submit it. I know you want to get the debt down but don't be too very ambitious on what you plan to pay you, Mr jwil and the little jwils have a life to live now.

    Good luck with the job application and fingers crossed Mr jwil gets a permanent job soon.

    Mr Retired had a nasty fall and has broken his nose. His face looks like he's gone 10 rounds with Mike Tyson.
    • brizzledfw
    • By brizzledfw 14th May 17, 8:07 PM
    • 6,933 Posts
    • 33,297 Thanks
    brizzledfw
    Keep plodding away jwil..well done on the decluttering
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
    • jwil
    • By jwil 15th May 17, 5:40 PM
    • 7,444 Posts
    • 20,380 Thanks
    jwil
    Your DMP sounds like a 'cunning plan's ��. . I don't know anything about tax or child credits but seems sensible to wait until you've got all the figures before you submit it. I know you want to get the debt down but don't be too very ambitious on what you plan to pay you, Mr jwil and the little jwils have a life to live now.

    Good luck with the job application and fingers crossed Mr jwil gets a permanent job soon.

    Mr Retired had a nasty fall and has broken his nose. His face looks like he's gone 10 rounds with Mike Tyson.
    Originally posted by retiredandskint
    Thanks retired Ouchie to Mr Retired, hope he's ok!

    I've been much more generous in my budget now than I was with SC. I was so worried back then, but doing loads of reading on here has taught me to ease up a lot.

    I've only received tax credits in the last year, as my income was low due to maternity leave. Now I'm back at work, I'm not sure we'll still get them, but obviously DH's income is low at the moment, and our childcare bill is huge so I'm hoping they'll let us have something for now.

    Keep plodding away jwil..well done on the decluttering
    Originally posted by brizzledfw
    Thanks Brizzle
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 15th May 17, 5:44 PM
    • 7,444 Posts
    • 20,380 Thanks
    jwil
    Another weekend has gone. Little jwil wanted to go to the beach on Saturday so we chucked a few bits in the boot, and popped to the beach in the morning, and then did the car boot in the afternoon. Not a huge amount gone, but it all helps!

    Another pile of ebay sales gone today. A couple more have trickled in today as well so that's good.

    I don't feel like I'm achieving much at the moment but I'll keep plodding.
    "If you can dream it, you can do it". Walt Disney
    • Hiddenidenity
    • By Hiddenidenity 15th May 17, 6:40 PM
    • 3,799 Posts
    • 15,083 Thanks
    Hiddenidenity
    Just plodding is still achieving! You do amazing never forget x

    Well done on the sales too every penny counts

    DFW £733.71/£7348.71
    Rent Arrears £346.28/£3381.28

    June 17 PA £121.25 + £70 Cash + £50 Amazon
    July 17 PA £216.52 + £25 Cash + £45 Amazon
    • jwil
    • By jwil 16th May 17, 11:31 AM
    • 7,444 Posts
    • 20,380 Thanks
    jwil
    Thanks HI

    Some more parcels posted today. DH yesterday prepped me a load of listings so I might try and get them on. I do need to do a blitz with some housework though too, so shall see how I get on.
    "If you can dream it, you can do it". Walt Disney
    • brizzledfw
    • By brizzledfw 17th May 17, 5:13 PM
    • 6,933 Posts
    • 33,297 Thanks
    brizzledfw
    Glad its going well. Miserable weather here..glad you got to the beach when you did!!
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    July '17 Savings Rate Goal: 33% [June 30%]
    Declutter 100 items before 31.07.17 02/100 ** LSDs Target 10 for July 02/10 **AFDs 19/25 ** Sales Target '17 £750 £140 so far
    **NSDs Target 5 for July 03/05 Trying to be a Frugalista
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