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  • FIRST POST
    • jwil
    • By jwil 27th Mar 17, 2:47 PM
    • 8,086Posts
    • 23,854Thanks
    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 42
    • Purplemumof2
    • By Purplemumof2 10th Feb 18, 10:03 AM
    • 5,805 Posts
    • 21,554 Thanks
    Purplemumof2
    Have a great day xx
    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 11th Feb 18, 8:07 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    Doing well with the pads and decluttering

    Have a lovely day

    x
    Originally posted by WannabeFree
    Have a great day xx
    Originally posted by Purplemumof2
    Thank you guys
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 11th Feb 18, 8:08 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    Todays pads:

    £1.85 to Mortgage
    £3.00 to debt savings
    £3.65 to em savings


    Debt savings - £19,320/£18,252 - £1068 paid
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 12th Feb 18, 9:36 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    Todays pads:

    £1.01 to Mortgage
    £2.00 to debt savings
    £1.99 to em savings


    Debt savings - £19,320/£18,250 - £1070 paid

    12 parcels posted
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 12th Feb 18, 9:39 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    DH sorted my tyres the other day, it needed two front ones in the end so that's £105 gone At least it's done though and could have been more expensive!

    We've had some sales this weekend, two bulky items which is good, all but one have paid too which is nice. The last one hopefully will be paying tomorrow.

    Little miss is still in nursery so hoping to make some inroads with decluttering this week!

    We have booked tickets to see Dippy the dinosaur this week too so that will be a nice day out.
    "If you can dream it, you can do it". Walt Disney
    • WannabeFree
    • By WannabeFree 12th Feb 18, 10:25 AM
    • 1,120 Posts
    • 9,175 Thanks
    WannabeFree
    Have a lovely day 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
    • abba1772
    • By abba1772 12th Feb 18, 12:22 PM
    • 4,359 Posts
    • 14,384 Thanks
    abba1772
    Aww dippy isn't up in Glasgow until January next year can't wait to take Kk to see it as he loves dinosaurs 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
    • jwil
    • By jwil 13th Feb 18, 7:50 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    Todays pads:

    £1.93 to Mortgage
    £3.00 to debt savings
    £2.45 to em savings


    Debt savings - £19,320/£18,247 - £1073 paid

    1 parcel posted
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 13th Feb 18, 7:53 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    Have a lovely day Jwil

    x
    Originally posted by WannabeFree
    Thank you, you too

    Aww dippy isn't up in Glasgow until January next year can't wait to take Kk to see it as he loves dinosaurs xx
    Originally posted by abba1772
    Yes, mine do too, we are looking forward to it. The tickets went really quickly! We originally only managed to get in for April, but they released some more so we got some for this week.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 14th Feb 18, 8:51 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    Todays pads:

    £1.92 to Mortgage
    £2.00 to debt savings
    £4.71 to em savings


    Debt savings - £19,320/£18,245 - £1075 paid
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 15th Feb 18, 8:43 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    Todays pads:

    £1.93 to Mortgage
    £2.00 to debt savings
    £1.19 to em savings


    Debt savings - £19,320/£18,243 - £1077 paid

    2 parcels posted.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 15th Feb 18, 8:50 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    Not much progress made yesterday as we were out most of the day.

    I had to go and buy two bulbs for my car, and we visited two holiday clubs as we can't cover all the school holidays between us. It was funny, one was rated 'outstanding' the other 'good'. I have no idea how the outstanding one got that rating, the place was soulless and they didn't seem to have a lot to do. They weren't really interacting with the children who were just watching a dvd! The other one on the other hand had lots to do, lots for the children to play with and get out and about lots. The staff were obviously very involved. No contest! We told little jwil he could choose where he goes, and he seems happy to go to that one, whereas the other one he came out very anxious!

    Today we are off to see Dippy so not much likely to get done either.
    "If you can dream it, you can do it". Walt Disney
    • Mumoffourkids
    • By Mumoffourkids 15th Feb 18, 9:05 AM
    • 431 Posts
    • 1,820 Thanks
    Mumoffourkids
    That's good that you have found a holiday club that you like. I am very lucky with the one I found for my kids. They do sibling discounts which helps me and they not only do arts and crafts and sports activities each day but also have a different special activity each day. These special activities are things like Gymnastics, Street Dance, Nerf Wars, CSI Detective Workshops. It really is a fantastic place and I think once you have found one that you like, you stick to it!

    Enjoy your day out today.
    Total debt Dec 2017 £23090.83
    Feb 2018 £6955.3669.88% paid
    Emergency fund £400/£600
    Total Savings £1125.79
    • jwil
    • By jwil 16th Feb 18, 8:25 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    That's good that you have found a holiday club that you like. I am very lucky with the one I found for my kids. They do sibling discounts which helps me and they not only do arts and crafts and sports activities each day but also have a different special activity each day. These special activities are things like Gymnastics, Street Dance, Nerf Wars, CSI Detective Workshops. It really is a fantastic place and I think once you have found one that you like, you stick to it!

    Enjoy your day out today.
    Originally posted by Mumoffourkids
    That sounds really good, and I think the one I found is similar. Just hope little jwil enjoys it!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 16th Feb 18, 8:29 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    Todays pads:

    £1.93 to Mortgage
    £3.00 to debt savings
    £1.07 to em savings


    Debt savings - £19,320/£18,240 - £1080 paid

    1 parcel posted.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 17th Feb 18, 7:56 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    Todays pads:

    £1.92 to Mortgage
    £3.00 to debt savings
    £1.13 to em savings


    Debt savings - £19,320/£18,237 - £1083 paid
    "If you can dream it, you can do it". Walt Disney
    • retiredandskint
    • By retiredandskint 17th Feb 18, 9:08 AM
    • 675 Posts
    • 4,411 Thanks
    retiredandskint
    All going in the right direction jwil

    I've had a windfall of £90.60 after reading one of messages on Power of Attorney. The form was so easy to fill out and took less than a fortnight to get a response

    Enjoy your weekend.
    • jwil
    • By jwil 18th Feb 18, 8:21 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    All going in the right direction jwil

    I've had a windfall of £90.60 after reading one of messages on Power of Attorney. The form was so easy to fill out and took less than a fortnight to get a response

    Enjoy your weekend.
    Originally posted by retiredandskint
    Wow, great windfall retired That's brilliant that they paid out so quickly too!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 18th Feb 18, 8:24 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    Todays pads:

    £1.85 to Mortgage
    £2.00 to debt savings
    £1.15 to em savings


    Debt savings - £19,320/£18,235 - £1085 paid
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 18th Feb 18, 8:30 AM
    • 8,086 Posts
    • 23,854 Thanks
    jwil
    So now I am 40 We didn't do anything as I had to take little jwil to a birthday party. I'm feeling a bit rough this weekend too. I'm sure we'll make up for it another time.

    Little jwil has another party today, so shan't be achieving much.

    Back to work etc tomorrow. Hope everyone is well
    "If you can dream it, you can do it". Walt Disney
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