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New plan...time to see some movement!

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  • jwil
    jwil Posts: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Oooh, 'nice' letter in the post today. Apparently I wasn't treated fairly by one of my creditors so they are refunding just shy of £200 to my account :T :T That will knock a nice chunk off my total :j
    "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!
    jwil wrote: »
    Oooh, 'nice' letter in the post today. Apparently I wasn't treated fairly by one of my creditors so they are refunding just shy of £200 to my account :T :T That will knock a nice chunk off my total :j

    What nice way to stArt your weekend 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
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    Yay! That's some money you don't have to worry about anymore. I do exactly the same thing. Get overwhelmed and not think straight. When I think it through I realise that I'm mainly angry and upset about (lack of) money. But i do start to tackle the other stuff. What room do you really want so you can go in it and feel calm? You don't even have to sell the stuff straight away - just get it out of that room. I would say your bedroom or the kitchen. But not a child's room... mines been the playroom but 2 birthdays have exploded that room and I'm all over the place again. Maybe get a nice diffuser for in there too. You can do this. One room or even one corner at a time. Xxxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • Yay for unexpected money! Hope you have a lovely weekend and your anxiety lessens. You’re doing amazingly :-)
    Starting debt (Aug 2018) £17,900
    Debt free September 2021
  • Great news about the cheque :)
    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: »
    What nice way to stArt your weekend xx
    ftbwannabe wrote: »
    Yay for unexpected money! Hope you have a lovely weekend and your anxiety lessens. You’re doing amazingly :-)
    Great news about the cheque :)

    Thank you guys, it's almost 5% of that particular debt, so better than a kick in the teeth :D At my current rate of payment, it's knocked 15 years off my payments for that debt :rotfl: :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: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Kitten868 wrote: »
    Yay! That's some money you don't have to worry about anymore. I do exactly the same thing. Get overwhelmed and not think straight. When I think it through I realise that I'm mainly angry and upset about (lack of) money. But i do start to tackle the other stuff. What room do you really want so you can go in it and feel calm? You don't even have to sell the stuff straight away - just get it out of that room. I would say your bedroom or the kitchen. But not a child's room... mines been the playroom but 2 birthdays have exploded that room and I'm all over the place again. Maybe get a nice diffuser for in there too. You can do this. One room or even one corner at a time. Xxxx

    I think ultimately mine is down to money as well :o It's just manifesting as everything else.

    I want the front room cleared mostly so I don't feel so stressed if people come round. DH cleared a lot of the porch last week for the drier, so if we could get the front room done, then it wouldn't be so hideous. We've got a plan of what we will do so that DH's stuff is a lot more hidden, if not removed, it's just persuading him to implement it!

    I picked up some more storage boxes for the kids toy unit, so this weekend I want to try and get all the toys out of the front room floor. That will make it look much better, and then if DH moves his stuff, it would be much more 'normal' looking.
    "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
  • That sounds like a great plan, clutter stresses me as well as no money, but you have more control over the clutter.
    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
  • Kitten868
    Kitten868 Posts: 1,785 Forumite
    Sixth Anniversary 1,000 Posts
    Snap! We are getting some trofast. Felt tip pens, crayons, hatchimals collectibles, part of that toy that's somewhere... taking over the blooming house! Why are they in my bed?!? There isn't an actual place for them though and unlike the McDonald's toys they can't just go in the bin. Reclaim your front room jwil!
    We are covered in brick dust here. Every surface of the house. Driving me insane. But yes get a room that's done, then when you get overwhelmed go in there then you're brain functions better.

    Totally fantastic news about saving 15 years of payments!

    You're doing great jwil. This too shall pass xxxx
    Loan 1 £5200/£8000
    Loan 2 £300/£5800
    Total £5500/£13800
  • jwil
    jwil Posts: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    God, THE TOYS!!!!! :eek: :eek: :eek:
    "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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