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Onwards and downwards...

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  • jwil
    jwil Posts: 22,025 Forumite
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    I'm under no illusions that 2018 is going to be as successful as 2017 on the debt front. I'm just paying token payments so the debts will not be reducing much at all. This time next year my childcare bill should fall so hopefully will be able to make a dent in things then.

    However, this year, the Great Declutter continues! I hope to raise as much as I can to add to savings so I can do F&F, and get those debts cleared as soon as possible!
    "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: 22,025 Forumite
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    pennywisepoundstupid wrote: »
    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

    Thanks penny, I am very pleased with that :D
    "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: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £1.90 to Mortgage
    £2.00 to debt savings
    £1.60 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,392 - £928 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 McGee
  • in_need_of_direction
    in_need_of_direction Posts: 7,744 Forumite
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    You're doing so well, you are a true inspiration. Well done.
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
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    in_need_of_direction wrote: »
    You're doing so well, you are a true inspiration. Well done.

    Totally agree :A

    Happy new year x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    in_need_of_direction wrote: »
    You're doing so well, you are a true inspiration. Well done.
    WannabeFree wrote: »
    Totally agree :A

    Happy new year x

    Aww thank you guys :) Your diaries are very inspirational for me too :)
    "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: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    We've been to the seaside today to blow the cobwebs away, it was actually quite nice in the sun!

    Little miss is back to nursery tomorrow, so we should be able to crack on and get some stuff done.

    I've managed 23 listings today and also cashed out £5 from a survey site.
    "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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    Wow you've had a really good year when you sum it all up like that :T. I hope 2018 is just as successful for you.
    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
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HairyHandofDartmoor wrote: »
    Wow you've had a really good year when you sum it all up like that :T. I hope 2018 is just as successful for you.

    Thanks HHD, I was amazed how good it was too :D I hope 2018 is a good year for you too :)
    "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: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £2.06 to Mortgage
    £5.00 to debt savings
    £1.20 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,387 - £933 paid :T

    Up early today to get some ebay packing done so I can get it posted when I take little miss to nursery, and get on for the rest of the day!
    "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
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