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New plan...time to see some movement!

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  • jwil
    jwil Posts: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    teapot2 wrote: »
    Well done on all those listings - hope you get lots of sales :D

    Thank you, so do I :D: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: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've given the bathroom a good clean this morning, pulled everything out, cleaned all the tiles and the bin, got the towels and the shower curtain in the wash. It is amazing how much easier and quicker it is to do these things without all the clutter and also when I keep on top of it all!

    I've decided to get rid of the loo roll holder. We have no need for it really and it keeps having a little puddle of wee underneath it when little jwil's aim is out! The airing cupboard where they are stored is right next to the toilet, so there's no real need to have them on display! It's leftover from our previous house where there was no cupboard in the bathroom. It's only taken me 9 years to figure out we don't really need it :rotfl:
    "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: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I made a start on photos this afternoon. At long last! I've got rid of one photo album which is ruining the photos and 77 photos gone so far. The youth of today don't know how lucky they are to be able to see and edit photos immediately :rotfl: Still a long way to go, but I've been putting it off for a couple of years!
    "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
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great progress there. I struggle to let photos go - well done you. Enjoy your holiday.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • jwil
    jwil Posts: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great progress there. I struggle to let photos go - well done you. Enjoy your holiday.

    Thank you, I'm just doing the easy wins at the moment - blurry, rubbish, out of focus ones. The rest will be harder!
    "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: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    DH and little miss have insect bites on their legs. I've given the whole house a good hoovering and am going to buy some flea spray later. It shouldn't be that, as both the cat and dog are treated, but I've got a bit paranoid.

    I've cleared out under the beds to hoover underneath them, and have decluttered the old cot mattress and cover. I've also gone through a lot of my stuff that was under the bed - didn't realise there was so much! I've displayed my wedding flowers (I had silk), no point in them rotting in a box, might as well enjoy them!

    I've had another go at photos. They are all together now. I have so many, it's going to be such a huge job! I've had a quick go through and pulled out the obvious ones to go, but they need proper sorting so I can go through and get rid of the duplicates and the ones which are very similar. Then I want to try and make a sort of scrapbook for holidays along with the other souvenirs I've kept. I'll have to think about how to do that as I'm not in the least creative!
    "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: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    End of month update:

    2019 aims and totals:

    Totals:
    Debts at LBM - £34,557 ---- Jan 2019 - £21,040
    Mortgage (2018) - £119,124 ---- Jan 2019 - £117,196
    Car (2018) - £3,500 ---- Jan 2019 - £2,200
    House repair fund required (2018) - £7,500 ---- Jan 2019 - £6,282


    2019 payments.

    Debts - [STRIKE]£21,040[/STRIKE]/ £18,741 - 10.93% cleared (£2,299 cleared)
    Mortgage - [STRIKE]£117,196[/STRIKE]/ £114,512 - 2.29% cleared (£2,684 paid off)
    Car - [STRIKE]£2,200[/STRIKE]/ £1,850 - 15.91% cleared (£350 paid off)

    Emergency Fund - £40.68/ £1,000 - 4.07% reached (£959.31 to go).
    House repair fund - £1,460/ £6,282 - 23.24% reached (£4,822 to go).

    Weight - Lose 28 lbs - 27/28

    Mortgage overpayments - £71.00
    "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: 21,985 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jwil wrote: »
    Declutter update:

    Decluttering 2019:

    827-851. Collectors cards
    852. Cot mattress
    853. Mattress protector
    854. Lampshade
    855. Tinsel
    856-857. Ring box
    858. Tape box
    859. Laces
    860. Tape case
    861. Bauble
    862. Window sticker
    863-864. Broken necklace
    865. Watch
    866. Tin sweets
    867. Table decs
    868. Tape
    869-1023. Photos
    1024-1029. Clothing
    1030. Dolls head
    1031-1032. CDs
    1033. Handkerchief
    1034. Plasters
    1035. OOD Medicine
    1036-1039. Wedding cake
    1040-1041. Sim cards
    1042. Toy parts
    1043-1047. CDs
    1048-1059. Pens
    1060. Pen case
    1061. Novelty toy
    1062. Magnet
    1063-1064. Pregnancy tests
    1065-1068. Baby socks
    1069. Notepaper
    1070. Bookends
    1071-1074. Gift bags
    1075. Bag handle
    1076. bag
    1077. Bricks
    1078-1079. Candleholders
    1080. Key cover
    1081. Tile
    1082. Tape converter
    1083. Makeup bag
    1084. Bag
    1085. Carrier bag handle
    1086. CD
    1087. Fixings
    1088. Tape
    1089. Bottle opener
    1090. Bracelet
    1091. Bra extender
    1092. Paperwork
    1093-1097. CDs
    1098. Crepe paper
    1099. Tissue paper
    1100-1006. Clothing
    1007. Socks
    1008-1009. Pens
    1110. CD
    1111. Hand throttles
    1112. Cup
    1113. Toilet roll holder
    1114-1191. Photos
    1192. Photo album
    1193- 1205. Photos
    1206. Pen

    Decluttering 2019 totals:
    Books: 71
    Magazines/papers: 120
    Ebay parcels: 533
    Other: 1206

    Total: 1930


    Ebay listings: 655

    Survey/other earnings:
    Amazon: £50
    Paypal/cash: £104.47
    Other vouchers:£42
    "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
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    4 slices of wedding cake and 2 pregnancy tests? What did you do with them?

    Cannot believe how much you've cleared off the mortgage! You'll be sub 100k in no time.

    And well done on being more relaxed and throwing yourself into having fun with the kids. Overall jwil you're doing brilliantly! Xxxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    Oh and hobby craft do photo boxes that are brilliant for storing your standard 6x4s. Save you sorting out photo albums... same job I've been putting off 6 years lol x
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
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