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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
    jwil wrote: »
    I opened up a LISA yesterday. I thought I'd get one before I lose the opportunity. Just a cash one as I can't commit to regular savings at the moment. I've transferred £20 over this morning as well as the £1 to open it yesterday.

    It's been on my 'to do' list for ever so glad I've finally sorted it :)

    What's a LISA Jwil?

    I'm glad you've found some of your old diary on google cache :).
    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
  • dawnybabes
    dawnybabes Posts: 3,508 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Yah !

    Found you
    Sealed pot challenge 822

    Jan - £176.66 :j
  • jwil
    jwil Posts: 22,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £1.86 to Mortgage
    £2.00 to debt savings
    £3.14 to em savings


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,268 - £1052 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
  • jwil
    jwil Posts: 22,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HairyHandofDartmoor wrote: »
    I've found your new diary Jwil :). I'm glad you've started another one :T.
    dawnybabes wrote: »
    Yah !

    Found you


    Yay! Visitors :T Thank you for finding me :)
    "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: 22,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    savingholmes wrote: »
    Hi JWIL - just been reading your diary. Congrats on the progress. Are you a power seller on ebay then? I need to get started on ebay to sell but seem to have a mental block to doing it. I need to reset up my paypal account too.

    Hi savingholmes, thanks for popping in! I'm not a powerseller, just selling my own stuff so I don't think I qualify.

    I must say now that I'm not desperate for the money like I used to be, my ebaying mojo has definitely decreased. DH is still selling lots though, so we're still keeping busy and decluttering! I do need to get back into it though as I've still got a lot of stuff to get rid of and I keep identifying more that can go!
    HairyHandofDartmoor wrote: »
    What's a LISA Jwil?

    I'm glad you've found some of your old diary on google cache :).

    It's a Lifetime ISA. It is only available for under 40s and you save either for a house or retirement. As I'm under 40 for a couple more weeks :D I thought I'd open one just in case. You get 25% tax free bonus on deposits each year, so it's definitely worth it.

    I've already got a house so mine is for retirement, I can access it at 60. My retirement age is 68 but I don't want to work that long if I don't have to, so this might come somewhat to bridging that gap before my pensions kick in.
    "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: 22,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today I must photo the stuff I have already set aside for ebay as it's in my way :D

    I really need to have a general tidy as well as I seem to have stuff dumped everywhere :o
    "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: 22,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £1.92 to Mortgage
    £3.00 to debt savings
    £3.19 to em savings


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,265 - £1055 paid :T

    7 parcels posted today. Yesterday we posted another 22 so a good weekend of selling :T :T Only one left to pay as well for once so that's nice too :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
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Well done on the sales :D

    Have a lovely day

    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: 22,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks WF :)
    "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: 22,442 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Todays pads:

    £1.93 to Mortgage
    £3.00 to debt savings
    £2.92 to em savings


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,262 - £1058 paid :T

    1 parcel posted today.
    "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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