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We've had a nice (if expensive!) day out today to celebrate a birthday. The kids had a great time, and so did we. Must reign it in a bit now.
I did have some great news though, one of my debts has come back unenforceable :T :T and another they appear to be struggling to find the paperwork. I wasn't expecting that, and it's a £4k debt
I'll leave it ticking over for now with my token payments and maybe try for a F&F later. "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Great news about the unenforceable debt.
You've inspired me with your de-cluttering jwil. I've been tidying and de-cluttering my bedroom all day and have a bag to take to the charity shop as well as one black bin liner full to chuck away.
De-cluttering crap and debt busting is pretty similar I think. They both free up your life for something better
. Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
HairyHandofDartmoor wrote: »Great news about the unenforceable debt.
You've inspired me with your de-cluttering jwil. I've been tidying and de-cluttering my bedroom all day and have a bag to take to the charity shop as well as one black bin liner full to chuck away.
De-cluttering crap and debt busting is pretty similar I think. They both free up your life for something better.
Well done on the decluttering! You are right, it makes a huge difference, and seeing the stuff leaving is like a weight off the shoulders!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Off to meet a friend today. Little jwil is off to school tomorrow! :eek: We did a trial run of his uniform yesterday and the waist on his trousers is huge! Might try and pick up a different pair today if I get a chance.
33 parcels sent yesterday so most of the day was packing! Another 3 today."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Todays pads:
£1.80 to Mortgage
£2.00 to savings
£1.81 to joint od.
3 parcels posted this morning.
Car is booked in for some more work
Starter motor and cam belt and a service. Likely to be around £400. I need it done as I can't afford for it to not start in the morning and it is starting to play up. DH wants the cam belt done and is offering to pay for that. I didn't get it serviced when it had the MOT done so might as well get it done now.
So I am listing away to try and raise as much as I can towards it.
Sent updated incomes (DH) and childcare to tax credits today. So now waiting to see if we are eligible for anything or worse, have to pay anything back.
I am trying to get on with things this week but it's a bit awkward with little jwil only being in for 2hrs a day, it's not really worth getting stuck in when you have to go out again!
I have cleared a big bag of stuff that was dumped in our bedroom and some other odd bits too, so I am making a little progress!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Todays pads:
£1.36 to Mortgage
£2.00 to savings
£1.64 to joint od.
I managed to get quite a bit of listing done yesterday and some already have bids so happy there :T
I've been trying to tackle toys today, I've sneaked a couple of bits out
but mostly just trying to organise them a bit better. I'm going to move a few bits up to their bedroom as well so there's not so much downstairs. "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Decluttering:
Books: 461
Magazines/papers: 51
Ebay parcels: 1305
Other: 274
Total: 2091
Ebay listings: 1499
Survey/other earnings:
Amazon: £148.35
Paypal/cash: £159.07
Other vouchers:"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Decluttering:
263. Wallet
264. 2 x soft toys
265. 9 x folders
266. 3 x videos
267. 4 x cassettes
268. 4 x floppy discs
269. rock kit
270. 26 x postcards
271. Huge pile of photo negatives
272. 2 x flags
273. Rubber bands
274. Ball of string"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
Well done on the decluttering. You're inspiring me to do some more....just when I finish catching up on the diaries
MFiT-T4 Member No. 96 - 2022 is my MF goal
Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T0 -
brizzledfw wrote: »Well done on the decluttering. You're inspiring me to do some more....just when I finish catching up on the diaries
Thanks Brizzle "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0
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