Shifting this debt one £ at a time.

jwil

HarrysMummy wrote: »

I must say your little targets seem to work quite well. I wonder if I can make them work somehow for me.

I love checking back here and seeing the figures have gone down a little, must be very motivating. Must get backside into gear and find something motivating for me!!

Thanks Harry'sMummy, it works very well for me. I enjoy deciding my target each month and trying to knock it down. It does inspire me to try and find an extra £1 or 2 so I've paid something off, even though I haven't got anywhere near reaching it yet!

jwil

Hey everyone.

I haven't been posting much recently. Everything is still very busy and I don't feel like I get any spare time!

Still been listing and selling. Have received some survey payments which has been nice too.

I've had words with DH recently as well. As fast as I've been trying to clear stuff, he's been buying loads on ebay :mad: I wouldn't mind an item or two, but it's loads of stuff, and not cheap! He's only spending the money from selling his own things, and I don't tell him what to do with the money, but as fast as I'm clearing a space, he's refilling it and not making an effort to clear any more.

I'm so fed up with living in a cluttered mess! :mad:

I think he finally got the message last night though

jwil

Another small sale:

1. [STRIKE]£999[/STRIKE] - £883 HS
2. [STRIKE]£74[/STRIKE] - £62C1 102
3. [STRIKE]£636[/STRIKE] - £624 BC 697
4. [STRIKE]£279[/STRIKE] - £269 SA 269
5. [STRIKE]£54[/STRIKE] - [STRIKE]£0[/STRIKE]MI :j
6. [STRIKE]£462[/STRIKE] - £289 LI
7. [STRIKE]£653[/STRIKE] - £583 HA 634
8. [STRIKE]£1036[/STRIKE] - £718 BCM


Total: [STRIKE]£4193[/STRIKE] - £3428

jwil

Some more sales:

1. [STRIKE]£999[/STRIKE] - £881 HS
2. [STRIKE]£74[/STRIKE] - £61C1 101
3. [STRIKE]£636[/STRIKE] - £623 BC 696
4. [STRIKE]£279[/STRIKE] - £269 SA 269
5. [STRIKE]£54[/STRIKE] - [STRIKE]£0[/STRIKE]MI :j
6. [STRIKE]£462[/STRIKE] - £287 LI
7. [STRIKE]£653[/STRIKE] - £583 HA 634
8. [STRIKE]£1036[/STRIKE] - £710 BCM


Total: [STRIKE]£4193[/STRIKE] - £3414

jwil

Hey everyone

Hope you are all well.

Work is still crazy busy at the moment, it's mad. I'm not getting anything done, but at least I'm building up some flexi so I can have some time off eventually.

I'm off in the lead up to Easter so very much looking forward to that. Nursery is closed so me and little jwil will try and have some fun together.

Speaking of nursery, they have put their fees up, so the bill is now £40 a month higher. *sigh*. I had approx £50 discount last month due to the old terms and conditions, so was hoping that once that was changed, they'd be pretty much at their old level. Sadly not.

Our gas and electric bill was also much higher than expected this quarter (maybe £80 more). I think much of it is accounted for because the last one was estimated. It's not unreasonable seeing as it was winter, but it's yet more money to find.

My emissions light is on in the car again. I'm hoping it will go out again soon.

So right now it's all getting me down a bit. Just as soon as I think I might be finally getting somewhere, there's something else to set it all back again.

I'm sure it will all be fine. I'll just keep plodding!

I'm going to try and have a relaxing weekend as I'm exhausted.

Hope everyone has a good one!

tattycath

jwil wrote: »

Hey everyone

Hope you are all well.

Work is still crazy busy at the moment, it's mad. I'm not getting anything done, but at least I'm building up some flexi so I can have some time off eventually.

I'm off in the lead up to Easter so very much looking forward to that. Nursery is closed so me and little jwil will try and have some fun together.

Speaking of nursery, they have put their fees up, so the bill is now £40 a month higher. *sigh*. I had approx £50 discount last month due to the old terms and conditions, so was hoping that once that was changed, they'd be pretty much at their old level. Sadly not.

Our gas and electric bill was also much higher than expected this quarter (maybe £80 more). I think much of it is accounted for because the last one was estimated. It's not unreasonable seeing as it was winter, but it's yet more money to find.

My emissions light is on in the car again. I'm hoping it will go out again soon.

So right now it's all getting me down a bit. Just as soon as I think I might be finally getting somewhere, there's something else to set it all back again.

I'm sure it will all be fine. I'll just keep plodding!

I'm going to try and have a relaxing weekend as I'm exhausted.

Hope everyone has a good one!

(((Hugs))) It's all expense isn't it. We are having an expensive time of it just now.
Paperwork again today.

jwil

tattycath wrote: »

(((Hugs))) It's all expense isn't it. We are having an expensive time of it just now.
Paperwork again today.

Thanks Tattycath. There always seems to be something doesn't there. Hope the paperwork isn't too tedious

peaceandfreedom

jwil wrote: »

So right now it's all getting me down a bit. Just as soon as I think I might be finally getting somewhere, there's something else to set it all back again.

I'm sure it will all be fine. I'll just keep plodding!

I'm going to try and have a relaxing weekend as I'm exhausted.

I do think that the first three months of the year seem to be extra-expensive - they have for me certainly. And it is hard because we try so hard to keep our budgets under control but then all these extra bills coming sliding in to mess things up.

But Jwil, think of where you'd be if you didn't do such amazing work to raise funds and knock down those target-figures you list on this thread. You are exhausted as well from both work and home, so that will get you down a little. Enjoy your relaxing weekend - and hopefully a nice Mother's Day today - and you will feel better about it all.

It is hard to keep on keeping on but that's all we can do. Do you get an annual pay-rise at work - if so, when is that due?

Hang on in there, Jwil, you are doing a fantastic job .

Aaleigha

Hi jwil I found and subscribed to your diary the other day and yes I read it but my head was not in the best place and didn't really post anywhere but really enjoyed your diary

Now I want to ask a couple of questions feel free to tell me to keep my beak out
You seem to up date you reducing debt regularly how do you pay off little and often, do you allow yourself a daily budget and what is not used you take from a debt, do you just check your bank account and round down to the nearest tens of pounds and pay that off or is it just ebay sales
You seem so successful with that -something I have yet to tackle -any tips would be more than welcome
H x

ps I am trying to de clutter too although my hubby is not really on board at least he is not bringing other stuff into the house (well not yet)

jwil

A small payment:

1. [STRIKE]£999[/STRIKE] - £881 HS
2. [STRIKE]£74[/STRIKE] - £61C1 101
3. [STRIKE]£636[/STRIKE] - £623 BC 696
4. [STRIKE]£279[/STRIKE] - £269 SA 269
5. [STRIKE]£54[/STRIKE] - [STRIKE]£0[/STRIKE]MI :j
6. [STRIKE]£462[/STRIKE] - £287 LI
7. [STRIKE]£653[/STRIKE] - £583 HA 634
8. [STRIKE]£1036[/STRIKE] - £708 BCM


Total: [STRIKE]£4193[/STRIKE] - £3412