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New plan...time to see some movement!

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  • jwil
    jwil Posts: 21,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm not sleeping again, I don't know if it's the anxiety or the mattress!

    Not much to report really. I've been keeping up with surveys and redeemed a couple of times, but this is just getting sucked up with day to day living. I thought I was past all this :(

    However, I've had confirmation of what my nursery bill will be next year and it's over half what it currently is :T So fingers crossed I've only got a couple more months of this, and things should get a little easier.

    I think my anxiety is particularly bad as I've wiped out all the accounts to get the house repair done. So my first focus has to be getting a small emergency fund back and putting some money back in the annual bills accounts.

    My energy company wrote to us to say they've changed the schedule for meter readings so our next bill will be in November :mad: We've only just had a bill last month! At least it should be low, but it's still money I've got to find earlier than expected.
    "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
  • It's horrible when your reserves get wiped out, but at least the nursery bills will get cheaper soon.

    Don't talk to me about energy companies :mad:.
    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
  • That's good news about the nursery fees reducing. Good luck building the EF back up. You should feel proud that you had money set aside that could be used for the house repairs rather than having to put it all on a CC.

    Hope you start sleeping better soon.
    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.
  • jwil
    jwil Posts: 21,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's horrible when your reserves get wiped out, but at least the nursery bills will get cheaper soon.

    Don't talk to me about energy companies :mad:.

    Energy companies are so frustrating!

    I feel bad that I'm counting down the time until she's 3 :o
    That's good news about the nursery fees reducing. Good luck building the EF back up. You should feel proud that you had money set aside that could be used for the house repairs rather than having to put it all on a CC.

    Hope you start sleeping better soon.

    It's nice that we managed to pay for it for sure. It was so nice having that little buffer though, I really hope I can build it up again soon. It's amazing what a peace of mind it can bring, not panicking about every creak/groan that happens in the house!
    "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
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Just checking in..do sort your sleep out! Its so debilitating when one is not getting enough sleep and no doubt you have a sleep debt already from having smallies..

    Have a great weekend and hope you get some time off next week..half term?

    x
  • jwil
    jwil Posts: 21,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just checking in..do sort your sleep out! Its so debilitating when one is not getting enough sleep and no doubt you have a sleep debt already from having smallies..

    Have a great weekend and hope you get some time off next week..half term?

    x

    Thank you :) Yes, will have to try and sort it. I slept a bit better last night which helped.

    It's half term next week but DH is covering so I'm still working :(

    Have a good weekend :)
    "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
  • I'm glad you slept better too. Poor sleep doesn't help your mood.
    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: 21,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm glad you slept better too. Poor sleep doesn't help your mood.

    Thank you. No it really affects 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: 21,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Went to the library yesterday and took out a load of books on mindfulness, cbt and relaxation. Going to try and kick this anxiety! I don't want medication if I can avoid 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: 21,965 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Updated lists:

    Decluttering 2018:

    1644-1648. Pens
    1649. Pushchair
    1650. Toiletry bag
    1651. Step stool
    1652. scissors
    1653. Dog bed
    1654. Vinegar pot
    1655. Paperwork
    1656. DVD case
    1657. CD case
    1658. pen
    1659. Bag of bricks
    1660. Socks
    1661. Paperwork
    1662. Postage guides
    1663. Laminating sheets
    1664. Caustic soda
    1665. Window cleaner
    1666. Pillow
    1667. Crate
    1668. Socks



    Decluttering 2018 totals:
    Books: 331
    Magazines/papers: 147
    Ebay parcels: 841
    Other: 1668

    Total: 2987


    Ebay listings: 888

    Survey/other earnings:
    Amazon: £121.04
    Paypal/cash: £279.45
    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
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