Onwards and downwards...

jwil

Todays pads:

£1.95 to Mortgage
£2.00 to debt savings
£1.05 to joint od


Debt savings - [STRIKE]£19,320[/STRIKE]/£18,342 - £978 paid :T

jwil

brizzledfw wrote: »

Aha...oh well make sure you get spoilt for the whole month before then

It’s good to be back, glad you seem well xx

I wish :rotfl: Little jwil's been invited to his best friend's birthday party on my birthday Not my idea of fun

jwil

Not far to go to get to £1k on my debt savings :T I've also got only £132 to go on the joint od, so will clear that by the end of the month. My little odd payments can then go to my emergency savings again, which have been seriously depleted recently with all my spending

Some of it is spending to save money (i.e. annual bills etc), but some of it is stuff that I've been needing/wanting to do but haven't had the cash for years. We've also booked a birthday party for little jwil (£95). We've decided that they can have one party each when they start school, but after that it will be much more low key.

So the spending stops here! My car is playing up again, so got to watch that, but I need to rebuild my savings as a priority.

I've got some more stuff on eBay this week, so hoping some of those items will help do it. We're having a quiet weekend, so will try and hunt out some more stuff.

Hope everyone is well

jwil

Decluttering 2018:

125. Paperwork
126. Motorbike gloves
127. Underwear
128. Filing cabinet
129 - 136. Sellotape (non sticky)
137. Trousers
138-139. Cooking trays

Decluttering 2018:
Books: 24
Magazines/papers: 7
Ebay parcels: 103
Other: 0

Total: 273

Ebay listings: 98

Survey/other earnings:
Amazon: £5
Paypal/cash: £18.42
Other vouchers:£0

[Deleted User]

You're doing really well.

Well done on the decluttering.

Have a great day x

jwil

Deleted_User wrote: »

You're doing really well.

Well done on the decluttering.

Have a great day x

Thank you, you too

Kitten868

I don't think you can rake yourself over the coals for buying stuff in advance - it'll save you money monthly. You know the tricks. I think you're doing brilliantly. Your pots are all building up well and you're ahead of all the hurdles.
As for birthday parties it's a having a kid must
Keep doing what you're doing. Maybe a new car fund is on the cards though. Grr xxx

HairyHandofDartmoor

Your debt savings are growing, it's amazing what the PADS can do and good news that the OD is shrinking .

jwil

Todays pads:

£1.95 to Mortgage
£2.00 to debt savings
£1.05 to joint od


Debt savings - [STRIKE]£19,320[/STRIKE]/£18,340 - £980 paid :T

jwil

Kitten868 wrote: »

I don't think you can rake yourself over the coals for buying stuff in advance - it'll save you money monthly. You know the tricks. I think you're doing brilliantly. Your pots are all building up well and you're ahead of all the hurdles.
As for birthday parties it's a having a kid must
Keep doing what you're doing. Maybe a new car fund is on the cards though. Grr xxx

Thank you, I have to be focussed to ensure I don't slip back into frivolous spending, but I think I am

I know about the new car fund, I really want to keep this one going until I've got a proper fund, it's really irritating though, there's always something

HairyHandofDartmoor wrote: »

Your debt savings are growing, it's amazing what the PADS can do and good news that the OD is shrinking .

Thank you It will be a nice feeling to see the back of the overdraft, it's not big and it's not expensive, but it's still there!