Shifting this debt one £ at a time.

jwil

A few more payments have been made.

I sold a couple of items yesterday but neither have paid up yet. I also managed to list a few more bits as well. I still haven't sorted out the things I was planning on.

Little jwil has been really disturbed overnight for the last few weeks, so sleeping has been awful. I've taken him to the docs this morning and they are suggesting a couple of things that may be the cause, and to try one at a time, and if that doesn't work, go back and try the other one. Fingers crossed. I can cope with a certain lack of sleep, but this is really affecting me. He on the other hand is fine during the day :huh:

I'm really trying to focus on doing the surveys at the moment, as I want to get some vouchers to use towards Christmas. If I don't I'll have to start using my ebay sales and I want to try and keep up the momentum of paying things down.

jwil

1. [STRIKE]£966[/STRIKE] - £562 HS 889
2. [STRIKE]£309[/STRIKE] - £219 C1 303
3. [STRIKE]£530[/STRIKE] - £483 BC 471
4. [STRIKE]£600[/STRIKE] - £540 SA 951
5. [STRIKE]£220[/STRIKE] - £145 MI 163
6. [STRIKE]£999[/STRIKE] - £899 LI 1414

Total: [STRIKE]£3624[/STRIKE] - £2848

jwil

I've sold a few things overnight, so another small payment made. I've kept some back for spending too. I'm going to try and get some more sorted out today.

Chocforever

Wow, you are doing really well this month Jwil!

retiredandskint

Well done :T:T:T.

jwil

Thanks guys

Just redeemed £3 to paypal from a survey site so will send that when it arrives.

jwil

Hey everyone, hope you are all well.

I haven't made any more payments yet. On Thursday evening my boss rang me up and asked me to go to a conference on Friday. So I used my ebay money to buy my train ticket and parking :mad:. At least I can claim it back but won't get it back until the end of Jan.

I did manage to get some more stuff sorted and have listed some too. I have had a few sales as well so that's all good.

I had to go and buy little jwil a duvet this morning, as he's still very unsettled at night, so I wonder if he is a bit cold. I'm desperate to try anything now as he's not sleeping for longer than 1hr at a time That was £8.50 which wasn't planned, but may turn out to be priceless :rotfl:

I fell down the stairs this morning carrying little jwil :eek: Luckily I managed to keep hold of him so he wasn't hurt, but I've banged my arm and leg, both of which hurt and I just feel achey.

I'm getting very anxious now about the end of the week as my car is in for service and MOT. I'm dreading the cost. I've also got my insurance due mid December, but my renewal quote was less than I thought it would be which is good news, but I don't have the money, so that's not so good news.

I haven't started Christmas shopping yet. I love Christmas but haven't got in the mood for it as I'm too anxious about money at the moment.

I have loads to do, but not sure when I am going to get any of it done as we are out every weekend between now and Christmas. I might have to look and see if I can wangle any leave for a couple of days.

enjoyyourshoes

Hi

you probably need to 'do things differently' Here is a way of doig a root and branch review and then a sustainable way of DAILY keeping on top of your financial future.

1. Have a clear objective (specific, measurable, achievable, realistic & time-bound)

2.Understand your total annualised costs & savings (to meet your objectives) (i.e. do a budget or similar) & ensure this is LESS than incoming money. (if not do a review to allocate LESS than income)
(DONT forget to include Christmas, Holidays, Birthdays, Savings, clothes etc as well as the boring stuff)

3. Break budget into two part (part one: monthly costs) (part two: 1/4ly ; 1/2LY & annualised bills. This annualised £'s should be divided by 12 to produce a monthly cost to save for these bills. Can do a cash flow to ensure monthly savings pot has enough £ to pay allocated Bills on the estimated months they become due)

4.Produce a monthly reconciliation which has your income LESS all your costs (including the monthly savings described above), Cash withdrawals, monthly DD & SO, cheques cashed, credit card purchases & savings (linked to your objectives). Do this reconciliation daily and ensure you spend LESS than income.

5. If you dont deduct credit card payments off your monthly income then you will not have the £'s to repay and thus end up in DEBT.

5. Put your monthly savings into a high interest account and track allocated savings against costs. Also DONT PAY insurances by monthly credit agreement pay them annually.

6. Get online access for your current and other accounts so you can see your separate reconciliation is accurate and moving monies is less hassle on line

7. Produce Excel docs to assist or do it manally

jwil

Thanks enjoyyourshoes I have done all of the above and the books don't balance . Working towards that first and then will have an organised budget.

Chocforever

Hang in there. You must be tired with little jwil not sleeping very much and everything seems worse when you are tired. The ebay sales seem to be going well and you will be grateful for that money coming back to you in January when your expenses are repaid.


Do you need to buy much for Xmas?


I have my fingers crossed for you that the car gets through the MOT without any great expense.