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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
    Declutter update:

    Decluttering 2019:

    80-81. Pens
    82. Trolley bag
    83-84. CDs
    85. DVD
    86. Socks
    87. Tablets
    88. Plate
    89. Toy
    90. Socks
    91-98. Clothing
    99-100. Pens
    101. Toaster
    102. Ruler
    103. Glass jar
    104. Swim nappies
    105. Trainers
    106-123. Soft toys
    124. Trainers
    125-181. Scalextric parts



    Decluttering 2019 totals:
    Books: 19
    Magazines/papers: 6
    Ebay parcels: 99
    Other: 181

    Total: 305


    Ebay listings: 95

    Survey/other earnings:
    Amazon: £5
    Paypal/cash: £21.92
    Other vouchers:£14
    "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
    Decluttering categories (roughly following Marie Kondo) with my own sub categories.

    Clothing
    • Mine
      [STRIKE]
    • Little Jwil[/STRIKE]
      [STRIKE]
    • Little miss[/STRIKE]
    Books
      [STRIKE]
    • Mine[/STRIKE]
    • Kids
    Paperwork
    Miscellaneous (Komono)
    Kitchen
    • Cutlery
    • Crockery
    • Pans
      [STRIKE]
    • Equipment[/STRIKE]
    • Food
      [STRIKE]
    • Cleaning products[/STRIKE]
    Toys
    Understair cupboard
    Shed

    Airing cupboard
    • Towels
    • Bedding
    DVDs
    Toiletries
    Accessories
    Nick nacks
    Computer files

    Sentimental
    • Photos (hard copies)
    • Photos (digital)
    • Holiday stuff
    "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 had a reply from my water company about the bills. I'm quite impressed as it was fairly comprehensive. They estimate that if we switch to a water meter we'd save about £1 a month, so it's not at all worth it :(

    It really makes me want to cry when I see people paying £30-£40 a month for water and ours is double that!

    I had a meeting in town this morning and so managed to use my voucher for a free jacket potato from when I was slimmer of the week. It was very nice and a free lunch is always :money: :D

    My gain last night was only 1.5lb so not as bad as I was expecting.

    I'm now selling a few things on eBay so pleased about that :)
    "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
  • :eek: to your water bill. Blimey that's high.

    Ooh I love a jacket potato. It's one of those meals I don't often think to make, but you can't beat a jacket potato with beans and cheese.

    Good luck with your eBay listings. You're doing brilliantly :).
    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.

  • Ooh I love a jacket potato. It's one of those meals I don't often think to make, but you can't beat a jacket potato with beans and cheese.

    Of course you can, you can add bacon:rotfl:
    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.
  • Bad luck on the water bill. Its daft the differences in price round the country isnt it.
    Jan 18 Joint debts 35,213

    Mortgage Jan 18- 77224 May 25- just under 65k

    June 25 Debts in my name only £5170. DH can't keep track...
  • We pay nearly £100 a month for water Jwil because we're with South West Water and they have the highest charges in the country :mad:. We have to pay to keep all the beaches clean :(.

    BT are awful aren't they? We left them because they wanted to practically double our montly charge and when we did leave we were in credit with them :mad:.

    I hope you get some more ebay sales soon :).
    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
  • We are now paying £57 a month for water starting from April, with Severn Trent. There are only the 2 of us. Might look at if its better to have a meter. DD has one and pays a lot less and they are a family of 5. We looked at the option before but as OH had a Koi pond in the garden and used to change the water often, I didn't think it would be cheaper as we were using a lot. Thinking of filling the pond in this year, so may be worth it. We also like to have a bath quite often which I know uses a lot, where as DD has had her bath taken out and just got a shower....I could never do that.....lol
    DMP 2015 £57,549, now £36,112 (37% paid)
    EF £200 Mortgage OP's this year £115

    There's a Great Big Beautiful Tomorrow, Shining at the End of Every Day!

  • jwil
    jwil Posts: 21,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    :eek: to your water bill. Blimey that's high.

    Ooh I love a jacket potato. It's one of those meals I don't often think to make, but you can't beat a jacket potato with beans and cheese.

    Good luck with your eBay listings. You're doing brilliantly :).


    It's crazy high :(

    I'm not a massive potato fan so don't make them that often. But yes, it's a nice cheap, satisfying meal!

    Thank you :)
    Of course you can, you can add bacon:rotfl:

    Love this :rotfl: Nearly every meal is improved with bacon!
    Bad luck on the water bill. Its daft the differences in price round the country isnt it.

    It's ridiculous isn't it :mad:
    "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
    We pay nearly £100 a month for water Jwil because we're with South West Water and they have the highest charges in the country :mad:. We have to pay to keep all the beaches clean :(.

    BT are awful aren't they? We left them because they wanted to practically double our montly charge and when we did leave we were in credit with them :mad:.

    I hope you get some more ebay sales soon :).

    It's ridiculous isn't it :( I don't think Wessex Water are far behind south west water.

    I've never had an issue with BT until now. Ironically, part of my complaint was that they are using the wrong name. They've acknowledged my complaint under the wrong name :mad: Shows how much they are reading!
    We are now paying £57 a month for water starting from April, with Severn Trent. There are only the 2 of us. Might look at if its better to have a meter. DD has one and pays a lot less and they are a family of 5. We looked at the option before but as OH had a Koi pond in the garden and used to change the water often, I didn't think it would be cheaper as we were using a lot. Thinking of filling the pond in this year, so may be worth it. We also like to have a bath quite often which I know uses a lot, where as DD has had her bath taken out and just got a shower....I could never do that.....lol


    There are calculators you can use where you input the number of baths etc you use each week and it will tell you whether you can save by switching. I prefer a shower to a bath, but I wouldn't like to be without a bath.

    We used to pay £35 when we were on a water meter before, but that was just the two of us in a smaller house, with no kids, us both out most of the time, and a lot less washing! We aren't too excessive with water, but we definitely use a lot more than then!
    "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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