Onwards and downwards...

jwil

I've got a big 'to do' list for today:

Ebay listing for DH
Sort and prep the pile I have accumulated to go on ebay
Maybe listing if I get a chance
Reach £15 on 2 survey sites so I can cashout
Maybe reach £5 on another so I can cashout
Clean kitchen
Clean bathroom
Strip and remake beds
Vacuum
Get up to date with admin and tidy desk
Sort and tidy packaging materials
Put washing away
Update declutter list etc

jwil

I was blessed with little miss's stomach bug at the weekend, and although I felt better on Monday, I felt bad again Tues and Wed so haven't achieved anything much this week. I'm feeling better today so hope to crack on.

jwil

Todays pads:

£1.31 to Mortgage
£5.00 to debt savings
£1.19 to joint od

I received £3 from a survey site yesterday and have just redeemed another £3 too :T

jwil

I did a fair bit:

[STRIKE]Ebay listing for DH[/STRIKE] - done :j
Sort and prep the pile I have accumulated to go on ebay - partly done :j
Maybe listing if I get a chance
Reach £15 on 2 survey sites so I can cashout - managed one :j
Maybe reach £5 on another so I can cashout
[STRIKE]Clean kitchen[/STRIKE] - done :j
[STRIKE]Clean bathroom[/STRIKE] - done :j
[STRIKE]Strip and remake beds[/STRIKE] - done :j
[STRIKE]Vacuum[/STRIKE] - done :j
Get up to date with admin and tidy desk
Sort and tidy packaging materials
[STRIKE]Put washing away[/STRIKE] - done :j
[STRIKE]Update declutter list etc[/STRIKE]- done :j

jwil

Todays pads:

£1.31 to Mortgage
£5.00 to debt savings
£3.69 to joint od


Debt savings - [STRIKE]£19,320[/STRIKE]/£18,765 - £555 paid :T

jwil

Decluttering:

295. Socks
296 -381. 85 x needlework books
382 - 408. 26 x kids books
409. Belt
410. Water bottle
411. Pen
412 - 415. Cat toys
416 - 419. Knives
420 - 428. Baby cutlery
429. Medicine spoons
430 - 435. Tea towels
436. Baby monitor
437. Whiskey glass
438. Dish brush
439. Screwdriver set
440. Dish bowl
441. 8 x Cacti and pots
442. Cacti pot
443. 3 t-shirts
444. tracksuit bottoms
445. t shirt
446. shorts
447. Trousers and belt
448. Trousers
449. 7 x t-shirts

Decluttering:
Books: 494
Magazines/papers: 52
Ebay parcels: 1562
Other: 449

Total: 2557

Ebay listings: 1766

Survey/other earnings:
Amazon: £191.56
Paypal/cash: £218.60
Other vouchers:

Another thing ticked off the list :j

pennywisepoundstupid

Well done Jwil you seem really motivated at the moment. Your putting me to shame with your decluttering. I really need to declutter, I don't know where it all comes from but I do know most of it isn't mine:mad:.

HairyHandofDartmoor

jwil wrote: »

Thank you. It would be amazing if I could get 50% knocked off :j

I read something yesterday that a creditor can apply any redress to the account even if it has been partially settled, so I'm not going to count my chickens until I receive a cheque or something and it will just be a nice bonus if I do get something!

I'm not sure what you mean by "apply any redress to the account even if it has been partially settled."

Do you mean that if creditors accep F & F offers and then you claim PPI, they can keep the PPI towards the debt as it was only partially settled?

You're doing well with your ebay listing and de-cluttering .

jwil

pennywisepoundstupid wrote: »

Well done Jwil you seem really motivated at the moment. Your putting me to shame with your decluttering. I really need to declutter, I don't know where it all comes from but I do know most of it isn't mine:mad:.

Thank you penny Yes, I know what you mean, most of it's not mine any more either, though I do still have a fair bit to go.

HairyHandofDartmoor wrote: »

Do you mean that if creditors accep F & F offers and then you claim PPI, they can keep the PPI towards the debt as it was only partially settled?

Yes, that's it. I read it on here somewhere. Not sure if it's true, but apparently they can do that if the full balance has not been settled. Mine was sold on beforehand so I don't know if that makes a difference.

Just googled and came up with this: https://beatmydebt.com/news-articles/can-a-bank-use-my-ppi-compensation-to-pay-off-debt

Looks like they can but you might be able to argue against it with a F&F. Mine was written off so I can't see how I'd have a claim.

jwil

Todays pads:

£1.30 to Mortgage
£5.00 to debt savings
£1.73 to joint od


Debt savings - [STRIKE]£19,320[/STRIKE]/£18,760 - £560 paid :T