Shifting this debt one £ at a time.

jwil

peaceandfreedom wrote: »

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 .

Thanks P&F, it can be so frustrating!

Pay rises have been few and far between in recent years. I think there may have been an agreement last year, must go back and check. If there was it will only be 1%, but it would be better than nothing! If it wasn't agreed, then nothing will happen until they've fought it out.

Aaleigha wrote: »

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)

Hi Aaleigha :wave: Welcome! That must have taken some going to read my waffle.

I make my payments by selling off my [STRIKE]rubbish[/STRIKE] quality items on ebay. Every time I make a sale I pay off usually a small amount.

It's only recently I've started doing it that way, before, I would try and leave it in my account, so it inevitably got spent. I've found that by sending it straight to the debt, I pay off much more than I was otherwise.

If you are disciplined (unlike me) then giving yourself an allowance from your account might work. Or rounding down is good too (there's rarely anything more than bill money in my account as I use cash for day to day spending.

I do find that making regular payments throughout the month keeps me motivated more than just making payments at payday.

Do stick around if you want to, it's nice to see how others are doing. Do you have a diary? I'll hunt it out if so. I'm pretty behind on other peoples diaries at the mo, but they are so motivating to read.

Aaleigha

Thank you for the the lovely welcome
I am sorting the wardrobe and have many peruna items and thought I would give ebay a go - after all I am really good at buying from there
At the moment I am laptop less but have washed a few items and will iron when I am ready to go so all the money I make I will leave in the account until all fees are paid and then slide it into the bank account
I am debt free but am teetering on the edge but I have a holiday to pay for
Hope you have a sale or two today
Do you have any ebay tips?
H x

jwil

Aaleigha wrote: »

Thank you for the the lovely welcome
I am sorting the wardrobe and have many peruna items and thought I would give ebay a go - after all I am really good at buying from there
At the moment I am laptop less but have washed a few items and will iron when I am ready to go so all the money I make I will leave in the account until all fees are paid and then slide it into the bank account
I am debt free but am teetering on the edge but I have a holiday to pay for
Hope you have a sale or two today
Do you have any ebay tips?
H x

Sounds like a good plan

You don't need to wait for the fees to be taken if you don't want to - if you go into your ebay account you can make a 'one time payment' towards your fees. I try and do this after a sale so I know what's left is mine to spend.

Tips for selling - make sure you note any faults at all with the item. I don't sell clothes as I tend to wear mine til they are ragged, but have sold a couple of dresses. List the measurements of the item as well as the size listed in the label, then your buyers can check it will fit them.

Package it well! There is nothing worse than buying something and it's been damaged in the post.

Otherwise, good luck! There is an ebay board on here where it is worth having a look. There's loads of advice on there. Bear in mind that people only tend to post when there's a problem, and the vast majority of sales go very well and without a hitch!

HarrysMummy

Well done on the little payments JWil, I know what you mean about just getting somewhere and then something else cropping up.

Luckily our nursery situation has changed for the better, a new one opened up near us a couple of months ago that local mums are raving about so managed to register dude there and it's £10 cheaper a week. Nice saving over the year on such an expensive bill.

Thanks for the eb*y tip on fees, I always wait for the fees to be paid and usually end up spending some of the profit in the mean time!!

tattycath

I tend to pay my fees as I go along too, using the one time payment method. Depending on sales, I pay my ebay fees on or before it gets to a tenner.
I transfer money to the bank regularly too, so I don't get tempted to spend.

jwil

HarrysMummy wrote: »

Well done on the little payments JWil, I know what you mean about just getting somewhere and then something else cropping up.

Luckily our nursery situation has changed for the better, a new one opened up near us a couple of months ago that local mums are raving about so managed to register dude there and it's £10 cheaper a week. Nice saving over the year on such an expensive bill.

Thanks for the eb*y tip on fees, I always wait for the fees to be paid and usually end up spending some of the profit in the mean time!!

Thanks Harrysmummy Nursery fees are a killer! Little jwil is doing so well though and loves it, so I'm not going to look into changing him. I think that the fees are around average for around here anyway.

That's great you've managed to find somewhere a bit cheaper, it will really add up over the year.

I have to pay my money straight away otherwise I spend it.

tattycath wrote: »

I tend to pay my fees as I go along too, using the one time payment method. Depending on sales, I pay my ebay fees on or before it gets to a tenner.
I transfer money to the bank regularly too, so I don't get tempted to spend.

I always transfer the money straight out as well. I don't browse online so am rarely tempted to spend it online. If I don't pay it to a debt, I do tend to spend it elsewhere though. I think that's why I've progressed so little over the years

jwil

A few small payments:

1. [STRIKE]£999[/STRIKE] - £880 HS
2. [STRIKE]£74[/STRIKE] - £60C1 100
3. [STRIKE]£636[/STRIKE] - £622 BC 695
4. [STRIKE]£279[/STRIKE] - £269 SA 269
5. [STRIKE]£54[/STRIKE] - [STRIKE]£0[/STRIKE]MI 49:j
6. [STRIKE]£462[/STRIKE] - £286 LI 526
7. [STRIKE]£653[/STRIKE] - £582 HA 633
8. [STRIKE]£1036[/STRIKE] - £703 BCM


Total: [STRIKE]£4193[/STRIKE] - £3402

jwil

A small payment:

1. [STRIKE]£999[/STRIKE] - £880 HS
2. [STRIKE]£74[/STRIKE] - £60C1 100
3. [STRIKE]£636[/STRIKE] - £622 BC 695
4. [STRIKE]£279[/STRIKE] - £269 SA 269
5. [STRIKE]£54[/STRIKE] - [STRIKE]£0[/STRIKE]MI 49:j
6. [STRIKE]£462[/STRIKE] - £286 LI 526
7. [STRIKE]£653[/STRIKE] - £582 HA 633
8. [STRIKE]£1036[/STRIKE] - £699 BCM


Total: [STRIKE]£4193[/STRIKE] - £3398

jwil

A small payment:

1. [STRIKE]£999[/STRIKE] - £880 HS
2. [STRIKE]£74[/STRIKE] - £60C1 100
3. [STRIKE]£636[/STRIKE] - £622 BC 695
4. [STRIKE]£279[/STRIKE] - £269 SA 269
5. [STRIKE]£54[/STRIKE] - [STRIKE]£0[/STRIKE]MI 49:j
6. [STRIKE]£462[/STRIKE] - £286 LI 526
7. [STRIKE]£653[/STRIKE] - £582 HA 633
8. [STRIKE]£1036[/STRIKE] - £696 BCM


Total: [STRIKE]£4193[/STRIKE] - £3395

jwil

Hi all,

Happy Friday! :T I'm exhausted. Hope everyone is well. I'm going to try and make an effort to catch up on everyone's diaries.

The project that is keeping me stupidly busy at work is due to end next week (it will continue, but the worst of the work will be over) so I'm hoping that I'll get some breathers then. I'm then off and hope to get some stuff done while I'm off as DH will still be working.

Little jwil will be off, but I'm hoping to get up early and then use his naptimes to get things done so that we can have some fun together otherwise.

He's really coming along now, he's so sweet (well I think so anyway )

He's obsessed with books at the moment, so I'm constantly having to read to him. Because I want to instill a love of reading in him I don't discourage him. I do get tired of reading the same stories over and over again though, especially when he's got loads of books! What's even worse is that once I've read him the story he'll take it straight over to DH and get him to read it to him again as well :rotfl:

I managed to get a few bits listed yesterday. DH gave me something of his to sell as well, which looks like it might go quite well so fingers crossed! I got a couple of bits listed for him as well.

Little jwil got given something for his birthday that just isn't going to be used. It doesn't fit with the similar items he already has. So I've popped that on ebay as well, and will put the money from that in his savings account.

I've been a bit slack on surveys so also need to try and catch up on those.