Shifting this debt one £ at a time.

jwil

Targets for 2017

1. [STRIKE]£2000[/STRIKE] - £2000 MCA
2. [STRIKE]£13,000[/STRIKE] - £13,000 NW
3. [STRIKE]£400[/STRIKE] - £400 JOD
4. [STRIKE]£1200[/STRIKE] - £1200 ACS
5. [STRIKE]£200[/STRIKE] - £200 ABC
6. [STRIKE]£430[/STRIKE] - £430 HS
7. [STRIKE]£280[/STRIKE] - £280 AS

Total: [STRIKE]£17,510[/STRIKE] - £17,510

Total mortgage/debt: £190,975 - £190,975

Decluttering:
Books: 16
Magazines/papers: 4
Ebay parcels: 35
Other: 10

Total: 65

Ebay listings: 19

Survey/other earnings:
Amazon:
Paypal/cash: £3
Other vouchers:

jwil

So far I have decluttered:

• a bag of Xmas clothing (charity),
• watch case (bin),
• box of sweeties about 10 years old :eek (bin),
• vodka bottle (miniature) (tummy and recycling),
• damaged book (recycling),
• 3 tapes (bin),
• watch (fake, bin),
• huge number of credit/debit/other cards, dating back to 2011 :eek: (cut up and binned)

Just over a week until I go back to work so I want to have a final burst.

Kitten868

I'm sorry jwil. What a pain. You bust your hump and it all goes on interest? Of course you're fed up. I think you've made the right decision. Just seeing it go down and not increase will massively help your mindset. I think for the first three months you should plow all your non work earnings into your savings pot. It'll boost you to see the fruits of your labour for a change. You're a one woman whirlwind and I know you can get ahead of this. Well done you jwil xxxx

jwil

Kitten868 wrote: »

I'm sorry jwil. What a pain. You bust your hump and it all goes on interest? Of course you're fed up. I think you've made the right decision. Just seeing it go down and not increase will massively help your mindset. I think for the first three months you should plow all your non work earnings into your savings pot. It'll boost you to see the fruits of your labour for a change. You're a one woman whirlwind and I know you can get ahead of this. Well done you jwil xxxx

Thanks kitten

jwil

Hey everyone

I haven't posted for ages. I'm really down in the dumps at the moment, so not really getting on.

I've not done much in the way of listing for me, although I've done plenty for DH. I looked at the photos I took of the house when I started my maternity leave, and despite the amount I got rid of, it still doesn't really look any better.

With the increased nursery fees, despite the DMP, I'm still not going to have any spare cash which is frustrating. DH is struggling to get a job as there isn't a lot about, so he's really unhappy.

I'm back at work now, and wishing I didn't have to work full time. I can't see anything other than work and still ebaying to make ends meet for anytime soon, and that's really depressing.

Well that's a miserable post isn't it. I'm sure once I get back into things it will be ok. I'll try and post a lot more now as well to keep me on the straight and narrow!

brizzledfw

Great to have you posting jwil even if you feel a bit low at the moment. Support is what we are here for. Any news on your new focus? Or do you need to get the savings pot together first?

You've done it before and you'll do it again - nowt gets you down for long!!

Brizzle x

retiredandskint

I've never done a DMP so could be talking a load of twaddle but if you're still struggling financially can you do another soa (think that's what it's called) and reduce the payments. When you're back on your feet you can up the amounts. It'll take longer to get the debts down but at least you won't have to worry on a day to day basis.

Hope that makes sense.

jwil

brizzledfw wrote: »

Great to have you posting jwil even if you feel a bit low at the moment. Support is what we are here for. Any news on your new focus? Or do you need to get the savings pot together first?

You've done it before and you'll do it again - nowt gets you down for long!!

Brizzle x

Thanks Brizzle I'll get back on it again.

retiredandskint wrote: »

I've never done a DMP so could be talking a load of twaddle but if you're still struggling financially can you do another soa (think that's what it's called) and reduce the payments. When you're back on your feet you can up the amounts. It'll take longer to get the debts down but at least you won't have to worry on a day to day basis.

Hope that makes sense.

Thanks retired.

At the moment I'm just doing token payments. There's nothing in the pot to do any more. I was hoping to increase it now I'm back to work but with DH out of work there's nothing I can do.

It will be better once little jwil goes to school and we don't have to pay for his childcare any more, but until then/DH gets a job, it's just carry on as before. So I don't know how I'm even going to build up any savings.

We can't even reduce the childcare as DH needs to look for work and be available should anything come up.

I think it's just all the uncertainty at the moment. DH does have some savings, but they were supposed to be his retirement fund, so we really don't want to touch them if at all possible.

mfmaybe

Hi jwil,
Sorry to hear you are so low. On the childcare, have you talked to them? My DH is out of work right now and similarly needs flexibility. However my nursery is quiet on a Thursday and Friday, so we've taken DS out on those days. They know it's only temporary so could increase easily again once we need f/t care, and with some advance notice can do the odd day to cover interviews. In addition I've spoken to my boss who is happy to be flexible about annual leave should I need to step in. DH at first said he had to stay f/t but I couldn't bear the wasted cash and found a way to make it work. Worth investigating further maybe?

tattycath

Hi jwil. :wave:
I'm so sorry you've been struggling so much and that most of payment to end up paying the interest and not servicing the debt.
It does sound like a DMP is the way forward for you. At least the end will be in sight.
Sorry you've been feeling down. I hope your OH manages to find another job soon and that things soon pick up for you too. ((Hugs))
Happy new year. When things hit rock bottom, the only way is up. So things can only improve jwil.