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Onwards and downwards...
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One of my debts has offered a F&F discount. It's around £2k off so not bad, but it would pretty much wipe out my savings, so I'm going to turn it down and hope I get something next year. It's a shame, but it's nice to have that safety blanket and I don't want to lose it.
"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 -
A hard decision, but as you say maybe you can do better. Ring them up and make them a lower offer? You never know they may say yes.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 -
I might do that, they were one I offered to before and turned down. I think it's also my unenforceable one, must check before I do anything.HairyHandofDartmoor wrote: »A hard decision, but as you say maybe you can do better. Ring them up and make them a lower offer? You never know they may say yes."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:
£1.98 to Mortgage
£6.00 to debt savings
£1.10 to joint od
Debt savings - [STRIKE]£19,320[/STRIKE]/£18,594 - £726 paid :T
1 parcel posted.
Our ebay listings will stop after this weekend for a week or so. I'll start relisting again to end once it's too late to post for Christmas.
It will be nice to have a little break from parcels, but I'd better get on with prepping some new stuff!"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 jwil, you're doing really well lovely. XxxGE 36 *MFD may 2043
MFIT-T5 #60 £136,850.30
Mortgage overpayments 2019 - £285.96
2020 Jan-£40-feb-£18.28.march-£25
Christmas savings card 2020 £20/£100
Emergency savings £100/£500
12/3/17 175lb - 06/11/2019 152lb0 -
Did you hear from the PPI people ?Sealed pot challenge 822
Jan - £176.66 :j0 -
Todays pads:
£1.98 to Mortgage
£6.00 to debt savings
£1.22 to joint od
Debt savings - [STRIKE]£19,320[/STRIKE]/£18,588 - £732 paid :T"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 jwil, you're doing really well lovely. Xxx
Thank you tattycath, how is everything going with you? xxdawnybabes wrote: »Did you hear from the PPI people ?
No :mad: I'm going to dig out the letter and get in touch. It's definitely over the 4 weeks now. I reckon they've just put it against the account. I can't really complain, but I'm still a bit miffed "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 -
Completed so far:
Kitchen
[STRIKE]Clean[/STRIKE]
Clean oven
[STRIKE]Sort out fridge[/STRIKE]
[STRIKE]Clean, sort out and inventory freezers[/STRIKE]
[STRIKE]Floor[/STRIKE]
Bathroom
[STRIKE]Clean[/STRIKE]
Floor
[STRIKE]Wash towels and mats[/STRIKE]
Downstairs
[STRIKE]Hoover[/STRIKE]
Tackle and organise toy pile
[STRIKE]Tidy desk[/STRIKE]
Sort and tidy packaging materials
Get rid of highchair
Get rid of baby walker
Clean sofas
Upstairs
[STRIKE]Hoover[/STRIKE]
[STRIKE]Tidy kids bedroom[/STRIKE]
[STRIKE]Tidy our bedroom[/STRIKE]
[STRIKE]Put washing away[/STRIKE]
[STRIKE]Strip and remake beds[/STRIKE]
[STRIKE]Dust/clean[/STRIKE]
[STRIKE]Box up DH's stuff in kids bedroom[/STRIKE]
Hallway/Landing/Porch
[STRIKE]Hoover[/STRIKE]
[STRIKE]Wash down stairs[/STRIKE]
[STRIKE]Clean paintwork/windowsills[/STRIKE]
Sort and tidy unit
Other
Reach £5 on 1 survey site so I can cashout
[STRIKE]Check Xmas gifts, see what I need to get[/STRIKE]
Research Tumble driers
[STRIKE]Meal plan for next week[/STRIKE]
[STRIKE]Finish and post Christmas cards[/STRIKE]
[STRIKE]Write shopping list[/STRIKE]
Get kids to make Christmas cards
[STRIKE]Finish buying, wrapping and post those that are needed[/STRIKE]
Look for toy storage
Open 2nd ebay account for DH
Wrap advent calendar books
Put up Christmas decorations
Get up to date with admin and filing
Wrap kids presents
Book eye test
Book dentist
Making some 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:
£1.98 to Mortgage
£8.00 to debt savings
£2.35 to joint od
Debt savings - [STRIKE]£19,320[/STRIKE]/£18,580 - £740 paid :T"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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