The end of procrastination and disorganisation.......

in_need_of_direction

What's the smallest to the largest debt thing?

Cherryfudge

Just coming to say hello, and I love the insights that people are sharing about surface clutter being different from real long-term clutter.

I've been working my socks off to clear and clean as DS and DDiL will be living with us for a while... such hard work to get right back to clean and clear in the kitchen and it's not a done deal but I keep admiring the clear shelves where I've got them! I have also learned odd things like the fact I don't need several years out of date cake decorations. Who knew?

Anyway, keep up the good work - good to see how your sewing is taking off too

Working_Mum

in_need_of_direction wrote: »

What's the smallest to the largest debt thing?

It's where you pay your smallest debt off first and then whatever you have been paying on that you also pay towards your next debt up. It's a Dave Ramsey process to stay motivated i.e I have paid off a debt.

You then snowball the payment on other debts to get them paid down quicker (instead of chugging along paying minimum payments).

I did it and by the end of the process I was slaying the capital owed on the debt.

It can be really motivating.

parsniphead

The smallest debt may not have the highest interest. It's better mathematically to pay off highest interest to lowest but it's motivating to clear small debts quickly.

I've always focussed on highest interest and got nowhere. Now I'm doing smallest debts up I'm ploughing through them. :j

redofromstart

Good old psychology

My advance of the week is that I have found out that I can park at the warehouse for the local hospice and drop off donations. This was one of the barriers to clearing stuff out as none of the local places have easy parking . Not actually cleared anything yet but its a barrier gone.

I knew you'd be impressed

Cherryfudge

redofromstart wrote: »

Not actually cleared anything yet but its a barrier gone.

I knew you'd be impressed

I'm impressed too .

How come it's easier to bag things up than actually get them out of the house?

abba1772

Your doing fab parsnip keep going xx

parsniphead

I'm impressed too. Not being able to park close enough stops me from donating more often and getting rid of bigger things.:T

Two days off now. I have plans. I'll be back.:cool:

redofromstart

So how are the plans going? I'm at home and can crack on too but not sure where to start today. Anywhere would be good actually. Perhaps a boy bedroom as I wont be able to do those without much moaning and teenage strops once they are off.

parsniphead

Well I did the shopping and the rest of the day sewing and making money. Not much else really.

But not at work so all is good.