Shifting this debt one £ at a time.

jwil

mfmaybe wrote: »

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?

Thanks mfmaybe. I'll have a think about it. It's a good idea. I'm reluctant to, as they love nursery, and hopefully it's only a short term issue, but it's worth looking into.

tattycath wrote: »

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.

Thanks tattycath, how are you doing?

I am happy that the DMP is the right solution, I just wish I could get on with paying it back, and live a little easier! I'm sure it will all get better soon.

mfmaybe

I don't know how many days they go just now, but you could reduce a bit and they'd still get lots of the benefits of going?

Happytogetdebtfree

Hi Jwill, sorry you have been feeling down. A dmp sounds like the right thing to do and although it seems demoralising right now those numbers will start to tumble.
I can relate with the childcare costs it's short term losses but it will be a nice amount not to pay when childcare is free.
Keep doing what you are doing and stay strong xx

jwil

Happytogetdebtfree wrote: »

Hi Jwill, sorry you have been feeling down. A dmp sounds like the right thing to do and although it seems demoralising right now those numbers will start to tumble.
I can relate with the childcare costs it's short term losses but it will be a nice amount not to pay when childcare is free.
Keep doing what you are doing and stay strong xx

Hi Happy! Lovely to 'see' you How are you getting on and your little man?

Thank you, I think once everything gets sorted then it will all go the right way!

jwil

Right everyone, enough with the moping, I must get back on with it.

I have prepped a load of listings and so going to get those uploaded tonight.

When I finish work I am going to KM my clothes and the kids clothes once and for all. I've partly done it, but not properly.

I bought both Marie Kondo books this week, it is my birthday present to myself. I did have the first book before but sold it. I am going to keep it this time until I have finished the process so I can re-read it if I need to. I was hoping to get Dh to read it, but he is resisting. I also asked him to sort his clothes today so we could do a big charity shop run, but he said no. *sigh*. Well I'm going to continue regardless,

I've printed off a detailed category list and going to work through it. Hopefully I'll come up with a load more to sell, and then hopefully DH will get on board eventually.

DH is still looking for work. He's got the odd bit of temping, but nothing major yet. Fingers crossed something will come up soon. It's not a happy home at the moment.

Work is busy, I do miss being at home, but it's nice to get away as well from it all. I've been given a new project which if I do well, *might* help protect my job in the longer term, which will be something. It's one of those things that could make me more essential so would push me down the redundancy list... Its inevitable that there will be more cuts, so anything that might reduce the likelihood of it being me is a good thing.

DH has done lots of selling this month, so I can't completely moan at him but I haven't done a lot. I've sold a few things that I already had on, but haven't really done a lot towards my targets. Must get some focus back again.

jwil

Targets for 2017

1. [STRIKE]£2000[/STRIKE] - £1991 MCA
2. [STRIKE]£13,000[/STRIKE] - £13,000 NW
3. [STRIKE]£400[/STRIKE] - £397 JOD
4. [STRIKE]£1200[/STRIKE] - £1185 ACS
5. [STRIKE]£200[/STRIKE] - £200 ABC
6. [STRIKE]£430[/STRIKE] - £430 HS
7. [STRIKE]£280[/STRIKE] - £280 AS

Total: [STRIKE]£17,510[/STRIKE] - £17,483

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

Decluttering:
Books: 153
Magazines/papers: 12
Ebay parcels: 164
Other: 77

Total: 406

Ebay listings: 161

Survey/other earnings:
Amazon: £5
Paypal/cash: £18
Other vouchers:

jwil

Since my last update we have decluttered:

1. Plastic box and lid
2. Cable
3. Bag of figures
4. Roasting tray
5. Cup
6. Cutlery
7. 30(!) medicine spoons
8. Grilling machine
9. 2 x mixing bowls
10. Assorted nick nacks
11. Needlework stuff
12. Soft toy
13. Kettle
14. Scalextric track
15. Scalextric hand throttles
16. Pens
17. Pins
18. Pin cards and packets
19. Novelty sign
20. Buttons
21. Card holder
22. Pencil
23. Incense sticks
24. Cotton buds
25. Dreamcatcher
26. Jewellery boxes
27. Body brush
28. Foot file
29. Shaver
30. Ipod dock
31. Massager
32. Fat counter
33. Breast pads
34. Horse
35. Address book
36. Photo frame
37. Photos
38. 2 x dvd
39. Shoes
40. Belt
41. 3 x toy cars
42. Reusable bag
43. 2 x cd cases
44. shoes
45. Hand cream
46. Jigsaw puzzle
47. Monopoly board
48. Plastic box
49. Jigsaw puzzle
50. 2 x packs playing cards
51. Spoon
52. Wooden tray
53. Picture
54. 7 x t-shirts
55. 1 x trousers
56. 2 x sweaters
57. 1 x buckets
58. 4 x key rings
59. 2 x files and refills
60. 3 x blank cards
61. demisting cloths
62. small sewing machine
63. mug
64. 3 x tea towels
65. extension lead
66. cassette player
67. 2 x plastic crates.

jwil

We 'bought' a new laptop using nectar points :T It cost me a whole £1.50 in cash :j I've put my old office software on there too so thats good. It means that we can both be working at the same time doing stuff. I've managed to connect them too so we can put photos on one and see them on both for ebay listing etc.

I've been trying to keep up with surveys and am waiting for some paypal from one site, and received £5 amazon from another. Close to cashing out on a couple more so hopefully will get those soon.

February is a busy birthday month for us, (including little jwil's 4th :eek: ) Mine too and several relatives. I've sorted one, and I won a free photoshoot for the kiddies with a free print, so hoping that will sort another. Little miss wasn't too cooperative, but going in next week to see the pics and hope they got something decent.

jwil

I haven't kept up with the flying either, so going to try and catch up this week:

Marvellous Monday Kitchen Klean Up (and dining room)

Level 1

Wipe table and chairs - don't forget the legs
Clear sides and wipe down
Clean all filters - dishwasher, washer, tumble dryer
Wipe sticky switches and sockets with a just-damp cloth

Level 2
Clean drawer and door fronts
Dust any areas in dining room
Sweep/mop/vacuum floors

Level 3
Polish all the windows
Clear and clean sills
give a neglected cupboard some attention - empty, wipe out and put back tidily
Dust BEHIND any mirrors/pictures...

Extras
HHI
Binbag dance
If you've got piles have 15 minutes working through one of them - and be ruthless!


Terrific Tuesday bedroom time

Level 1
Strip the bed and open the window...
Shift the floordrobe/chairdrobe

Level 2
Remake the bed
Clean the windows
Vacuum the floor

Level 3
Dust everywhere - including the bedframe
vacuum/dust light fittings and any soft furnishings

Extras
get out the glass cleaner and clean neglected windows especially in/above doors
Check outside lights are still working
make sure lagging has not been dislodged from outside taps and pipes
Write your birthday/other card list - it will soon be February and you really don't want to be battling through Valentine-buying crowds looking for cards


Wednesday wonders lounge and/or other reception room

Level 1

Clear the rubbish out
Vacuum/wipe sofas
Clean under seat pads
Fluff up scatter cushions

Level 2
Dust everywhere including skirting boards
Wipe sockets and switches and door handles
And all those places sticky fingers touch

Level 3
Clean the floor
Take rugs outside, hang over line and beat vigorously
Wipe the windows

Thursday Thrills Bathroom


Level 1
open the window
Remove everything from round the bath
Clean bath inside and out
Polish taps
Wash shower curtain/wipe screen
Wipe towel rail
Remove all towels/washcloths

Level 2
Clean shower cubicle (if one) outside then in
Wipe all hoses and heads
Clean handbasin and taps
Clean mirror

Level 3
Scrub the loo
Clean the floor
Empty waste bin
Put out fresh towels
Wipe switches/pull cords

Extras
Give doormats a bashing outside to remove ground in dirt or wash if they're washable

abba1772

That's some decluttering you've done so far xx