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New plan...time to see some movement!

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  • jwil
    jwil Posts: 21,895 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    abba1772 wrote: »
    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:

    I'm not sure it will be the same this week :rotfl:
    HairyHandofDartmoor wrote: »
    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.

    Thank you. I can't stop thinking about the F&F. It's one of my lowest debts so I'm tempted to go in with a low offer and see what they say. If they reject it I'm no worse off, but it would be nice to see something gone!
    "If you can dream it, you can do it". Walt Disney
  • in_need_of_direction
    in_need_of_direction Posts: 7,712 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Do it if you can manage it. You’ve nothing to lose
    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.
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    You've done amazing in 2018!

    Look forward to cheering you on in 2019

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • jwil
    jwil Posts: 21,895 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    in_need_of_direction wrote: »
    Do it if you can manage it. You’ve nothing to lose

    Thank you, that's what I'm thinking. I'll go in nice and low just to see what they counter.
    WannabeFree wrote: »
    You've done amazing in 2018!

    Look forward to cheering you on in 2019

    x

    Thank you WF, you too :)
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,895 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've had a quiet weekend, but a few things ticked off
    • New SOA
    • Pay gas and electric
    • Look at phone/tv/internet package and reduce it
      [STRIKE]
    • Look at house insurance[/STRIKE]
      [STRIKE]
    • Financials for 2018[/STRIKE]
      [STRIKE]
    • Targets for 2019[/STRIKE]
    • Thank you cards
      [STRIKE]
    • Look at SW stuff[/STRIKE]
      [STRIKE]
    • Take kids out[/STRIKE]
      [STRIKE]
    • Leftovers for lunch/tea[/STRIKE]
      [STRIKE]
    • Wash towels and bathmats[/STRIKE]
    • Sort out desk
      [STRIKE]
    • Book dentist[/STRIKE]
      [STRIKE]
    • Post RM survey item[/STRIKE]
    • Prep and freeze veg
    • Make soup
    • Make risotto
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,895 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Payday today, hurrah! And my account isn't empty as soon as everything has been paid :T :T :T

    I suddenly remembered I need to ensure tax credits are updated with the new childcare, hoping I don't end up with a big overpayment this year. There's only three months left and my wages will be less than predicted due to some unpaid leave so hopefully not!

    I've done a comparison for house insurance (the renewal only went up by £2) and it seems we are still on a very good deal, that's unusual! So I've managed to pay that in full so pleased about that.

    I really need to get the SOA done so that I can properly start putting money back for the annual things and have a proper functioning budget.

    16 parcels posted today, all using packaging I scavenged from the office move. That has been taking up a fair amount of space so has cleared a lot of that :T

    We've still got our tree etc up. I'm not itching to take it down this year like normal. It must be because of how clear the front room is compared to previous years. :D

    A 50p overpayment to the mortgage today, just rounding up the monthly payment.

    I've paid the gas and electric and looked to see if we can get a better deal with our existing supplier - we can't. I might look elsewhere but I refuse to have a DD so not sure we'll get anywhere.

    Still got to do the phone/tv/broadband, but I'm pretty sure we are in contract til Feb so not an urgent thing.

    We are off to the dentist in a minute, fingers crossed nothing needed!
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,895 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just about done!
    • New SOA
      [STRIKE]
    • Pay gas and electric[/STRIKE]
    • Look at phone/tv/internet package and reduce it
      [STRIKE]
    • Look at house insurance[/STRIKE]
      [STRIKE]
    • Financials for 2018[/STRIKE]
      [STRIKE]
    • Targets for 2019[/STRIKE]
      [STRIKE]
    • Thank you cards[/STRIKE]
      [STRIKE]
    • Look at SW stuff[/STRIKE]
      [STRIKE]
    • Take kids out[/STRIKE]
      [STRIKE]
    • Leftovers for lunch/tea[/STRIKE]
      [STRIKE]
    • Wash towels and bathmats[/STRIKE]
    • Sort out desk
      [STRIKE]
    • Book dentist[/STRIKE]
      [STRIKE]
    • Post RM survey item[/STRIKE]
    • Prep and freeze veg
      [STRIKE]
    • Make soup[/STRIKE]
      [STRIKE]
    • Make risotto[/STRIKE]
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,895 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Mortgage overpayments: £0.50
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,895 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Calling it done now :D

    Decluttering 2018:

    1721. Storage box
    1722. Boots
    1723. Charger
    1724. Bundle of McDonalds toys
    1725. Scales
    1726. Dinosaur toy
    1727. Wooden box
    1728. Soft toy
    1729. Lego set
    1730. Car seat
    1731. Car seat
    1732. Baby seat
    1733 - 1772. Clothing

    Decluttering 2018 totals:
    Books: 339
    Magazines/papers: 157
    Ebay parcels: 1093
    Other: 1772

    Total: 3361

    Ebay listings: 1045

    Survey/other earnings:
    Amazon: £174.82
    Paypal/cash: £339.79
    Other vouchers:£59

    So 3361 items left the house :T :T
    And I made £573.61 on surveys etc :j :j

    Quite pleased with that :D
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,895 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    New list for 2019.

    Decluttering 2019:

    1.

    Decluttering 2019 totals:
    Books: 0
    Magazines/papers: 0
    Ebay parcels: 0
    Other: 0

    Total: 0

    Ebay listings: 0

    Survey/other earnings:
    Amazon: £0
    Paypal/cash: £0
    Other vouchers:£0
    "If you can dream it, you can do it". Walt Disney
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