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  • FIRST POST
    • jwil
    • By jwil 27th Mar 17, 2:47 PM
    • 8,080Posts
    • 23,827Thanks
    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 41
    • jwil
    • By jwil 8th Feb 18, 11:29 AM
    • 8,080 Posts
    • 23,827 Thanks
    jwil
    Do you have to pay a set amount into your Lisa or can you open it and leave it dormant till you can afford to pay in? Hubby is 40 next month. Must Google it to find out more. He has no pensions eek so might have to see if he should be doing this ??
    Originally posted by NeverendingDMP
    I opened a cash one with Skipton. You can open it with £1 and then leave it and pay in whenever. With Stocks and shares ones you pay in some each month so it wasn't good for me right now. Once it's opened, you can transfer to a different type in the future if you want to, you just can't open one for the first time after you are 40.

    Come over and join us on my old diary if you want to chat more, I'm very happy to
    http://forums.moneysavingexpert.com/showthread.php?t=5624384
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 8th Feb 18, 11:30 AM
    • 8,080 Posts
    • 23,827 Thanks
    jwil
    So glad your diary is back to x
    Originally posted by WannabeFree
    Me too, I wouldn't have realised if HHD hadn't told me! I assumed it was gone forever.
    "If you can dream it, you can do it". Walt Disney
    • WannabeFree
    • By WannabeFree 8th Feb 18, 11:36 AM
    • 1,103 Posts
    • 9,063 Thanks
    WannabeFree
    If you ask a board guide they will merge the two together, Enthusiasticsaver did it for me yesterday x
    ďOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.Ē
    • retiredandskint
    • By retiredandskint 8th Feb 18, 12:24 PM
    • 674 Posts
    • 4,409 Thanks
    retiredandskint
    I'm so glad you're back I've missed you. I hadn't realise you'd started another diary .
    • abba1772
    • By abba1772 8th Feb 18, 12:53 PM
    • 4,353 Posts
    • 14,338 Thanks
    abba1772
    Mines is back too and got them to merge them together xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £2600.20
    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 £2218.92
    • enthusiasticsaver
    • By enthusiasticsaver 8th Feb 18, 1:39 PM
    • 5,705 Posts
    • 11,292 Thanks
    enthusiasticsaver
    Do you want me to merge your diaries jwil?
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • Purplemumof2
    • By Purplemumof2 8th Feb 18, 2:00 PM
    • 5,804 Posts
    • 21,548 Thanks
    Purplemumof2
    Yay! Glad to see your diary is back jwil 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
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Feb 18, 5:40 PM
    • 3,393 Posts
    • 21,435 Thanks
    HairyHandofDartmoor
    Yes it would probably be good to have them merged Jwil, to avoid confusion. ES has been doing a great job merging diaries recently
    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 9th Feb 18, 11:36 AM
    • 8,080 Posts
    • 23,827 Thanks
    jwil
    Do you want me to merge your diaries jwil?
    Originally posted by enthusiasticsaver
    Yes please, that would be great if you could, thank you
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 9th Feb 18, 11:37 AM
    • 8,080 Posts
    • 23,827 Thanks
    jwil
    Thank you everyone

    I'm so glad you're back I've missed you. I hadn't realise you'd started another diary .
    Originally posted by retiredandskint
    Thanks retired, yes mine was one of the many that disappeared All good now though, I'm really pleased they recovered them
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 9th Feb 18, 11:40 AM
    • 8,080 Posts
    • 23,827 Thanks
    jwil
    Todays pads:

    £1.93 to Mortgage
    £2.00 to debt savings
    £1.40 to em savings


    Debt savings - £19,320/£18,258 - £1062 paid
    "If you can dream it, you can do it". Walt Disney
    • enthusiasticsaver
    • By enthusiasticsaver 9th Feb 18, 11:41 AM
    • 5,705 Posts
    • 11,292 Thanks
    enthusiasticsaver
    Diaries merged.
    Debt free and mortgage free and early retiree. Living the dream

    I'm a Board Guide on the Debt-Free Wannabe, Mortgages, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com
    • jwil
    • By jwil 9th Feb 18, 11:48 AM
    • 8,080 Posts
    • 23,827 Thanks
    jwil
    I'm off now for the week

    I want to have another blast at the house, although we are likely to go out for a couple of days. I must get some listings sorted as well.

    Looks like I need a new tyre for my car So must get that sorted.

    I've just received some more stamps for RM surveys. I'm expecting to be booted off though as several items have arrived opened, so it's possible they know I'm on it

    I must try and limit my computer use as I waste so much time on here otherwise!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 9th Feb 18, 11:50 AM
    • 8,080 Posts
    • 23,827 Thanks
    jwil
    Diaries merged.
    Originally posted by enthusiasticsaver
    Thank you very much ES
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 9th Feb 18, 11:58 AM
    • 8,080 Posts
    • 23,827 Thanks
    jwil
    So in advance of big progress this week:

    Decluttering 2018:

    140. Walking boots
    141. Packet of OOD Flea treatment
    142-145. OOD medicines
    146. Socks
    147-148. Graph paper books
    149-154. Instruction manuals
    155. Work boots


    Decluttering 2018 totals:
    Books: 73
    Magazines/papers: 7
    Ebay parcels: 203
    Other: 155

    Total: 438


    Ebay listings: 160

    Survey/other earnings:
    Amazon: £10
    Paypal/cash: £44.78
    Other vouchers:£0
    "If you can dream it, you can do it". Walt Disney
    • WannabeFree
    • By WannabeFree 9th Feb 18, 12:02 PM
    • 1,103 Posts
    • 9,063 Thanks
    WannabeFree
    Have a lovely week off Jwil

    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 10th Feb 18, 8:21 AM
    • 8,080 Posts
    • 23,827 Thanks
    jwil
    Have a lovely week off Jwil

    x
    Originally posted by WannabeFree
    Thank you lovely x
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 10th Feb 18, 8:30 AM
    • 8,080 Posts
    • 23,827 Thanks
    jwil
    It's taken me ages to get in today as apparently my password was over 3200 days old and had expired I eventually managed to change it!

    Yesterday was looking a bit of a wash out but I had a last minute burst of enthusiasm so the first batch of decluttering has been done. I also prepped 10 listings so need to get those on.

    Hoping to continue today. Had 3 unexpected sales yesterday so that's good too.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 10th Feb 18, 8:40 AM
    • 8,080 Posts
    • 23,827 Thanks
    jwil
    Todays pads:

    £1.92 to Mortgage
    £3.00 to debt savings
    £1.36 to em savings


    Debt savings - £19,320/£18,255 - £1065 paid
    "If you can dream it, you can do it". Walt Disney
    • WannabeFree
    • By WannabeFree 10th Feb 18, 9:28 AM
    • 1,103 Posts
    • 9,063 Thanks
    WannabeFree
    Doing well with the pads and decluttering

    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
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