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New plan...time to see some movement!

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  • jwil wrote: »
    £2 amazon voucher redeemed yesterday.

    Tumble drier is arriving today (hopefully!) hurrah!

    I've got a few bids on things going out at the weekend so that's good. A few non payers too, so that's not good :(

    I'm really struggling at the moment, my anxiety is through the roof and I'm not sleeping well. If it doesn't settle down soon, I think I'll have to visit the docs. :(

    Hope the tumble drier arrived. You can't beat freshly tumble dried towels - they're sooo fluffy!!

    Well done on the sales. Hope the non-payers hurry up and pay you :).

    Sorry to hear that you're struggling at the moment. Are you still doing your morning walks?x
    LBM Aug 2017.
    Debt at LBM - £30,055
    Debt at highest - £43,148.59
    Current debt - £18,880.00
    EF - £1,000.00

    Challenges
    PAYDBX 2021 - #29 Pd £2,355 / £8,000 PAYDBX 2020 - Pd £6,459.00 | PAYDBX 2019 - Pd £16,945.60 | PAYDBX 2018 - Pd £15,010.60.
  • Hiya,

    Hope that your tumble drier arrived finally.

    Well done on the sales, you're doing great there.

    Hope you're feeling better soon and that the anxiety shifts xx
  • jwil
    jwil Posts: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope the tumble drier came today.

    Sorry about your anxiety. Is there any particular thing that has triggered it do you think?

    Thank you, it did :)

    I don't know what triggers it, I think it's usually when I'm tired and feeling overwhelmed. This time it's worse than usual. I think I've just got a lot going round in my head, it affects my digestion, and I start catastrophising everything :(
    Hope the tumble drier arrived. You can't beat freshly tumble dried towels - they're sooo fluffy!!

    Well done on the sales. Hope the non-payers hurry up and pay you :).

    Sorry to hear that you're struggling at the moment. Are you still doing your morning walks?x

    One of the things I am looking forward to is soft towels!

    I haven't been doing my walks :( I've been sleeping so badly that I haven't been able to get up and go. The dark isn't helping. I feel so rubbish about it, and know it would make me feel better, I just can't drag myself out. I am so close to finishing couch to 5k as well, I don't want to stop it!
    "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: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I slept a bit better last night, which has helped a bit. I'm trying to tick off a few small jobs to try and get some stuff out of my head.

    I've done a load of listings for DH this week, hopefully it will all sell. I'm sure all the 'stuff' weighs me down too and adds to my anxiety.
    "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: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hiya,

    Hope that your tumble drier arrived finally.

    Well done on the sales, you're doing great there.

    Hope you're feeling better soon and that the anxiety shifts xx

    Thank you :)
    "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: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Updated lists:

    Decluttering 2018:

    1543. Glass cleaner
    1544-1545. Sun cream
    1546. Mixing bowl
    1547-1548. Pens
    1549. Puzzle
    1550. Shoes
    1551-1587. Clothing
    1588. Pen
    1589-1592. Dummy cases
    1593. Underwear
    1594. Cactus
    1595. Broom handle
    1596-1597. Doormats
    1598. Crate
    1599-1600. Tea Towels
    1601-1609, Chamois cloths
    1610. Bag
    1611-1614. Dog leads
    1615-1629. Luggage tags
    1630. Scissors
    1631. Toy bundle
    1632. Batteries
    1633. Trousers


    Decluttering 2018 totals:
    Books: 314
    Magazines/papers: 121
    Ebay parcels: 771
    Other: 1633

    Total: 2839


    Ebay listings: 888

    Survey/other earnings:
    Amazon: £117.04
    Paypal/cash: £266.99
    Other vouchers:£44
    "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
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    You're decluttering list is very impressive xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • jwil wrote: »
    Thank you, it did :)

    I don't know what triggers it, I think it's usually when I'm tired and feeling overwhelmed. This time it's worse than usual. I think I've just got a lot going round in my head, it affects my digestion, and I start catastrophising everything :(



    One of the things I am looking forward to is soft towels!

    I haven't been doing my walks :( I've been sleeping so badly that I haven't been able to get up and go. The dark isn't helping. I feel so rubbish about it, and know it would make me feel better, I just can't drag myself out. I am so close to finishing couch to 5k as well, I don't want to stop it!

    When I feel like that I make a list of all the things I'm anxious about. Then I review them and decide whether they're legitimate worries or silly worries. For example, being in debt is a legitimate worry, but worrying that your friend hasn't invited you around recently is a silly worry. For the legitimate worries I write down possible solutions eg try and raise income, etc.

    I find doing this gives me perspective, plus an illusion of control!

    You will also sleep better and feel less anxious if you exercise. Even if you sleep badly get up early anyway and go for your run, then you'll sleep really well the next night and will run off a lot of angst. You never regret it if you exercise, but you always regret it if you don't.

    This works for me anyway :o.
    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: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    abba1772 wrote: »
    You're decluttering list is very impressive xx

    Thank you :) I'm pleased with the amount of stuff gone!
    When I feel like that I make a list of all the things I'm anxious about. Then I review them and decide whether they're legitimate worries or silly worries. For example, being in debt is a legitimate worry, but worrying that your friend hasn't invited you around recently is a silly worry. For the legitimate worries I write down possible solutions eg try and raise income, etc.

    I find doing this gives me perspective, plus an illusion of control!

    You will also sleep better and feel less anxious if you exercise. Even if you sleep badly get up early anyway and go for your run, then you'll sleep really well the next night and will run off a lot of angst. You never regret it if you exercise, but you always regret it if you don't.

    This works for me anyway :o.


    Thank you :) I'm not worrying about anything in particular, but a 'to do' list might help get stuff out of my head. My biggest issue is my anxiety turns me into a bit of a hypochondriac and I start thinking every little twinge is a big issue and if the kids are ill, I think I might be missing something serious. My rational mind knows this is silly but the little voice on my shoulder keeps saying 'what if'. The Nhs have some CBT apps which look like they would help and I should do them, but it's yet another thing on my endless 'to do' list.

    I know the exercise would help, I keep trying to tell myself that. The issue has mainly been I'm awake through the middle of the night, and then sleep through the time I should be getting up to do it. I must make more effort!
    "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: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    End of month update:

    Debt: [STRIKE]£34,557[/STRIKE]/£21,246 = £13,311 or 38.52% cleared.

    Car: [STRIKE]£3,500[/STRIKE]/£2,300 = £1,200 or 34.3% cleared.

    Mortgage: [STRIKE]£119,124[/STRIKE]/£118,319 = £805 or 0.68% cleared.

    Emergency/F&F fund: £110/£1,000 = 11% achieved.

    House savings fund: £400/£7,500 = 5.33% achieved.
    "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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