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  • FIRST POST
    • jwil
    • By jwil 27th Mar 17, 2:47 PM
    • 7,566Posts
    • 20,968Thanks
    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 8
    • jwil
    • By jwil 6th Jul 17, 11:02 AM
    • 7,566 Posts
    • 20,968 Thanks
    jwil
    I've taken the kids to the park this morning before it got too hot. Also stopped to get some milk and veg. Going to potter around a bit now while little miss is having a nap.
    "If you can dream it, you can do it". Walt Disney
    • Chandelier.
    • By Chandelier. 6th Jul 17, 11:28 AM
    • 492 Posts
    • 1,338 Thanks
    Chandelier.
    Sounds as if you're doing really well.

    I can't believe all the parcels you send.. that makes me think I need to crack on with decluttering and sell some stuff.

    Every penny counts with your PADs.
    • jwil
    • By jwil 6th Jul 17, 1:34 PM
    • 7,566 Posts
    • 20,968 Thanks
    jwil
    Sounds as if you're doing really well.

    I can't believe all the parcels you send.. that makes me think I need to crack on with decluttering and sell some stuff.

    Every penny counts with your PADs.
    Originally posted by Chandelier.
    Thank you Chandelier We're clearing a proper hoard, so we do have a lot more stuff than most people, as you can probably guess from my regular whingeing

    It all counts though!
    "If you can dream it, you can do it". Walt Disney
    • brizzledfw
    • By brizzledfw 6th Jul 17, 9:40 PM
    • 7,071 Posts
    • 34,196 Thanks
    brizzledfw
    Well done jwil and glad you're getting some time with the kids

    x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • jwil
    • By jwil 7th Jul 17, 10:11 AM
    • 7,566 Posts
    • 20,968 Thanks
    jwil
    Well done jwil and glad you're getting some time with the kids

    x
    Originally posted by brizzledfw
    Thanks Brizzle
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 7th Jul 17, 10:14 AM
    • 7,566 Posts
    • 20,968 Thanks
    jwil
    I have a child and husband- free day today

    So I've started tackling the kids room. DH still has a lot of stuff stored in there which I've been requesting is moved. As he's not doing it, then I will
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 7th Jul 17, 10:26 AM
    • 7,566 Posts
    • 20,968 Thanks
    jwil
    Today's pads:

    £1.41 to mortgage
    £5.00 to savings
    £5.00 to savings
    £1.63 to joint od.


    I returned my trainers today so hopefully not too long before I get a refund. I'm not that bothered as I managed to pick some up for £5 at the car boot sale last weekend and they are fine

    Also had confirmation that my dvds have been accepted so £11 on the way from them.

    I returned the trousers last weekend so hoping that I don't have to wait too long for a refund for them either. So much for bargains The trainers and trousers were both proper retail outlets so I'm not messing around private sellers, I wouldn't do that, I'd just resell again.

    Right, better get back to it!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 7th Jul 17, 1:04 PM
    • 7,566 Posts
    • 20,968 Thanks
    jwil
    Well I've done as much as I can for now. Lots removed from their room (and into ours!) but it's not looking so bad.

    I've also made space to put a bookcase in their room (£3 from a bootsale last weekend ) so that's tidied up their books a lot. They also have a little more space.

    Happy with that for now. In the process I've identified a few more bits to go, (including some furniture if DH agrees).

    Off for some lunch now. I might try and tackle some of the ebay pile this afternoon.
    "If you can dream it, you can do it". Walt Disney
    • retiredandskint
    • By retiredandskint 7th Jul 17, 2:25 PM
    • 643 Posts
    • 4,309 Thanks
    retiredandskint
    You seem a much happier and relaxed jwil since you went down the DMP route. Payments are still being made, savings are accumulating and the house is slowly but surely being decluttered. You've come so far.well done.
    • jwil
    • By jwil 7th Jul 17, 4:28 PM
    • 7,566 Posts
    • 20,968 Thanks
    jwil
    You seem a much happier and relaxed jwil since you went down the DMP route. Payments are still being made, savings are accumulating and the house is slowly but surely being decluttered. You've come so far.well done.
    Originally posted by retiredandskint
    Thank you retired, I am. I just wish I'd done it sooner rather than struggling all these years. It's all going the right way for once! It's a nice feeling
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 20th Jul 17, 2:58 PM
    • 7,566 Posts
    • 20,968 Thanks
    jwil
    Hello everyone

    I haven't posted for ages

    I had a nice but busy week off, managed to sort some more stuff out, made a start on some decorating (though haven't carried on!) and we did manage to go out a couple of days as well.

    We've done a few car boots since I last posted, and as ever, continued with the ebay sales.

    DH before he knew what I'd done mentioned about clearing out the kids rooms, so he's done some more in there above what I had done. There's still more to come out though.

    I've not been making overpayments much this month as my MOT is due next week and I'm trying to save as much as I can for that. I'm worried it's going to be a biggie

    We had a big sort out of the car boot stuff, so loads of that has gone to charity and to the tip. We've also added more to it!

    Little jwil had his school settling in sessions and loved them so he's happy.

    I got sent for a chest x ray due to long term issues, and that came back clear Antibiotics also seem to have cleared it up in the main as well.

    I've been reading the DMP thread on here, which is fab! And there are a couple of new things I'm going to do. One is a claim for a refund of some interest and charges against one of my old accounts, and I am also sending off CCA requests to all of them. I just want to use it for information to see which are enforceable or not, some of them are very old so we'll see. I'm not going to avoid them, I will pay something to all of them, but I will focus on the enforceable ones. If any come back unenforceable I will see if I can get some low F&F. I've had most of my accounts for years and so have paid way more in interest than I originally borrowed so I'm not going to feel guilty.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 20th Jul 17, 3:01 PM
    • 7,566 Posts
    • 20,968 Thanks
    jwil
    Decluttering:

    225. 3 x crates
    226. photo frame
    227. money box
    228. stamp album
    229. 2 x vacuum sacks
    230. car sticker
    231. photo paper
    232. ornament
    233. handbag
    234. baby cup
    235. 3 x bowls
    236. 39 x dvds
    237. 2 x jumpers
    238. 8 x flannels
    239. boxer shorts
    240. cat scratcher
    241. handbag
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 20th Jul 17, 3:04 PM
    • 7,566 Posts
    • 20,968 Thanks
    jwil
    Decluttering:
    Books: 355
    Magazines/papers: 42
    Ebay parcels: 1090
    Other: 241

    Total: 1728


    Ebay listings: 1254

    Survey/other earnings:
    Amazon: £123.35
    Paypal/cash: £122.83
    Other vouchers:
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 20th Jul 17, 3:05 PM
    • 7,566 Posts
    • 20,968 Thanks
    jwil
    I've had a few redeems from survey sites and a few things to test recently so that's nice, and mostly things I would use anyway, so has saved me some money
    "If you can dream it, you can do it". Walt Disney
    • brizzledfw
    • By brizzledfw 21st Jul 17, 10:02 PM
    • 7,071 Posts
    • 34,196 Thanks
    brizzledfw
    Well done...it all helps xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    September '17 Savings Rate Goal: 33% [August 33%]
    Declutter 100 items before 30.09.17 35/100 ** LSDs Target 5 for September 02/05 **AFDs 09/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 5 for September 01/05 Trying to be a Frugalista
    • jwil
    • By jwil 22nd Jul 17, 8:54 AM
    • 7,566 Posts
    • 20,968 Thanks
    jwil
    I have received an extra tax credits payment as our income last year was lower than expected. That has mainly been saved towards the MOT but have made some small pads:

    £11.15 to mortgage
    £17.00 to savings
    £2.00 to savings
    £4.96 to joint od.

    DH also has a tax refund coming so we have decided we are going to go and see my folks in October half term. Because it's so expensive to get to them (and here) they haven't met little miss yet so everyone is very excited

    So as well as the refund, I must keep on with the selling to try and cover as much as we can.
    "If you can dream it, you can do it". Walt Disney
    • retiredandskint
    • By retiredandskint 22nd Jul 17, 9:06 AM
    • 643 Posts
    • 4,309 Thanks
    retiredandskint
    That's brilliant jwil on all fronts but especially the visiting of family .
    • Hiddenidenity
    • By Hiddenidenity 23rd Jul 17, 8:13 PM
    • 4,743 Posts
    • 20,635 Thanks
    Hiddenidenity
    Brilliant news

    Hope you've had a lovely weekend x
    DFW £1313.71/£7348.71 Rent Arrears £466.28/£3381.28

    Rock bottom became the solid foundation on which I rebuilt my life.
    • jwil
    • By jwil 27th Jul 17, 1:05 PM
    • 7,566 Posts
    • 20,968 Thanks
    jwil
    That's brilliant jwil on all fronts but especially the visiting of family .
    Originally posted by retiredandskint
    Brilliant news

    Hope you've had a lovely weekend x
    Originally posted by Hiddenidenity
    Thanks guys

    I'm not doing very well with this posting lark am I? I've been trying to catch up with loads of stuff this week, and am still hoarding all my cash for tomorrow's MOT
    "If you can dream it, you can do it". Walt Disney
    • abba1772
    • By abba1772 27th Jul 17, 2:11 PM
    • 3,745 Posts
    • 10,630 Thanks
    abba1772
    Fingers crossed for the cars MOT xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £5604.60
    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 £4116.66 / £6000
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