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New plan...time to see some movement!

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  • jwil
    jwil Posts: 21,909 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Aaleigha wrote: »
    I was sure I posted about how well you had done with the debt and great targets for next year

    Thank you Aaleigha :)
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,909 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 28 December 2018 at 5:49PM
    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 - £21,040/ £21,040 - 0% cleared (£0 paid off)
    Mortgage - £117,196/ £117,196 - 0% cleared (£0 paid off)
    Car - £2,200/ £2,200 - 0% cleared (£0 paid off)

    Emergency Fund - £0/ £1,000 - 0% reached
    House repair fund - £0/ £6,282 - 0% reached

    Weight - Lose 28 lbs - 0/28

    Mortgage overpayments - £0
    "If you can dream it, you can do it". Walt Disney
  • AdventureWanted
    AdventureWanted Posts: 1,474 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    You're doing really well Jwil. Hope you have a good new year and I look forward to cheering you on in 2019 :).
    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: 21,909 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    AdventureWanted wrote: »
    You're doing really well Jwil. Hope you have a good new year and I look forward to cheering you on in 2019 :).

    Thank you AW, you too :)
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,909 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well I've made a start on my targets, lost 2.5lb :T To be honest it's probably a bit of a fake reading as last time I weighed in the middle of the day and this was early. I'll take it though considering I haven't really made an effort this week :D I'm going to switch to an evening class so it doesn't take up my weekends.

    2 people have paid up, so that's 3 items leaving today.
    "If you can dream it, you can do it". Walt Disney
  • in_need_of_direction
    in_need_of_direction Posts: 7,716 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    You have really kept things on track over the festivities. Well one you
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Aaleigha
    Aaleigha Posts: 615 Forumite
    Tenth Anniversary 500 Posts Combo Breaker
    Good luck with the targets
    And you have reminded me I will need an emergency fund, especially with moving

    Think I will slide all the odds from the bank accounts once a week to help build it quicker
    Emergency fund £10,000
    Several categories with savings in
    Cars, house maintenance, birthdays
    Etc I have about 10 categories

    Really happy to be debt free after being a compulsive spender
  • jwil
    jwil Posts: 21,909 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    in_need_of_direction wrote: »
    You have really kept things on track over the festivities. Well one you

    Thank you :)
    Aaleigha wrote: »
    Good luck with the targets
    And you have reminded me I will need an emergency fund, especially with moving

    Think I will slide all the odds from the bank accounts once a week to help build it quicker

    I've got a 'save the change' account which I am going to try and just build up next year to add to the EF.
    "If you can dream it, you can do it". Walt Disney
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Well done on the weight loss.......I'm dreading weigh in as I think I've ate my weight in food this Xmas period :rotfl:
    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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You haven't been able to pay much off the debt in 2018, but you had to get a car and do work on the house. Hopefully 2019 will be a year when you make massive inroads into the debt.

    It's a shame you can't accept a F&F offer, but if they offer once then they'll offer again.
    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
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