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Onwards and downwards...

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  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I just popped back in to say happy new year Jwil :)
    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 MONTHS
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 6,256 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Happy New Year.xx
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HairyHandofDartmoor wrote: »
    Your debt totals are looking good Jwil :)

    Thank you :)
    HairyHandofDartmoor wrote: »
    I just popped back in to say happy new year Jwil :)
    pennywisepoundstupid wrote: »
    Happy New Year.xx

    Thank you, and Happy New Year to you both :beer:
    "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 McGee
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I haven't managed to achieve as much as I'd hoped today. Will have to sort out all my end of year totals tomorrow.

    Thank you all for your support this year folks, hope 2018 is a good one for us all.

    HAPPY NEW YEAR!

    _party_ :beer: :dance: :wave: :dance: :wave: :beer: _party_
    "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 McGee
  • retiredandskint
    retiredandskint Posts: 852 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud!
    Happy New Year to you and your family. Here's hoping it's a good one.
  • 117pauline
    117pauline Posts: 743 Forumite
    Part of the Furniture 500 Posts
    Happy New Year

    May all your hopes and dreams come true in 2018

    Take care
    Pauline

    Thank you for popping in on my thread, your support is so appreciated
    Don't get it perfect - Get it going
    Better Than Before
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    retiredandskint wrote: »
    Happy New Year to you and your family. Here's hoping it's a good one.

    Thank you retired, I hope you have a good one as well xxx
    117pauline wrote: »
    Happy New Year

    May all your hopes and dreams come true in 2018

    Take care
    Pauline

    Thank you for popping in on my thread, your support is so appreciated

    Thank you Pauline, Hoping 2018 is a better one for you too. I'll pop in again soon, got lots of diaries to catch up on! xx
    "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 McGee
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Decluttering:

    537. Emergency charger
    538. Toy car
    539. 2018 diary
    540 - 542. Shoes
    543. aerial cable
    544. Lego droid figure
    545. Pair gloves
    546 - 564. Plates and bowls
    565 - 566. Puzzles
    567. Buzz Lightyear
    568. Small wooden box
    569. Tazos
    570 - 571. 2 x power packs
    572 - 573 AFX Cable and track piece
    574. Greetings cards
    575. Gift bag
    576. Shoes
    577 - 581. Plant pots
    582 - 584. Plastic tubs
    585 - 586. Seed trays
    587 - 638. Plant pots
    639. Slot car track piece
    640 - 641. hats
    642 - 647. Plant pots
    648 - 653. Coats
    654 - 668. Plant pots
    669. Pot saucer
    670. Ikea bag of clothing
    671 - 685. Baby bedding
    686 - 696. Bedding sets
    697 - 699. Stair gates
    700. Overflow pipe
    701 - 705. 4 x pieces wood
    706- 707. 2 x boxes
    708. Watering can

    Decluttering:
    Books: 549
    Magazines/papers: 101
    Ebay parcels: 1721
    Other: 708

    Total: 3079

    Ebay listings: 1890

    Survey/other earnings:
    Amazon: £246.56
    Paypal/cash: £291.00
    Other vouchers:£5.00
    "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 McGee
  • jwil
    jwil Posts: 22,015 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My end of year summary:

    When I started this diary in March, my debt total was £34,229. A couple of complaints later and a little luck with a large debt write-off of almost £7k, my debt total is now £21,296 meaning I have reduced my debt by £12,933 this year :j :T :j :T :j :T

    I have also decluttered over 3000 items from my house, which although still a clutter fest, is finally starting to look better.

    I managed to earn over £500 from surveys and cashback etc this year.

    This time last year my maternity leave was about to come to an end and DH was out of work. He is back in permanent employment and our finances are looking better. I had just started my DMP and had no savings. Now I have an emergency fund.

    What a huge turnaround this has been :T :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 McGee
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 6,256 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well done Jwil, you have worked so hard and achieved so much in the last 12 months, you should be very proud of yourself. xx
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