New plan...time to see some movement!

jwil

Hello everyone

I haven't posted for a while for various reasons. I wanted to keep a lower profile for a bit on my diary in case someone spotted me.

DH took the kids out for the day last weekend, so that was nice and I had a day to myself. I got very busy and had a good tidy up We have some more clear spots now :T :T Nothing big, but it makes a difference to me

DH is off next week so he is planning sorting out loads of stuff for ebay. I hope he makes a difference. I'm off the following week so hope to do a bit more then.

Now the mornings are starting to get a bit lighter (well they were until the clocks changed) I have restarted couch to 5k. I'll finish week 1 tomorrow, but did an extra run last week before I restarted properly. I hope to finish this time! I got almost to the end last time, just 2 runs to go and then I hurt my back which stopped me. I was very annoyed that I didn't finish it. Hoping it will help with my weightloss which has stalled at the moment All my own fault though. I have to give up chocolate as I clearly can't control myself around it :mad: Hoping for a maintain today, not a gain

Little jwil was ill last Sunday, so I spent Mother's day scrubbing and bleaching, happy days! Luckily I had kept their room tidy so it was easier to clean :j

I've redone my SOA and I think I am starting to see the light. It's all still very tight, but should be ok once little miss starts school next year. I know it's still 17 months away, but it just seems in sight now. Then hopefully I can get rid of these debts once and for all and start living and having some savings!

I've got my MOT and service next week, need to look out the log book and the service book. Luckily I know exactly where they are I am a bit nervous as it's the first one since I bought it, but DH doesn't think there should be anything, apart from perhaps a number plate as it was an advisory last time for being faded.

The meds still seem to be working. Still tired in the morning, but it's a novelty actually sleeping! Back to the docs next week and hopefully that will be it for a while.

jwil

Declutter update:

Decluttering 2019:

211. Photo frame
212. CD
213-214. Wrapping paper
215. Tights
216. Pencil
217-231. CDs
232-236. Playmobil
237-279. Kids books
280. Battery
281. Pen
282. Bowl
283-315. Kids books
316-371. Clothing
372-373. Action figures
374. Pen

Decluttering 2019 totals:
Books: 31
Magazines/papers: 2
Ebay parcels: 202
Other: 374

Total: 609

Ebay listings: 224

Survey/other earnings:
Amazon: £25
Paypal/cash: £29.57
Other vouchers:£25

jwil

I didn't do my end of month update:

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 - [STRIKE]£21,040[/STRIKE]/ £21,020 - 0.10% cleared (£20 paid off)
Mortgage - [STRIKE]£117,196[/STRIKE]/ £116,050 - 0.98% cleared (£1,146 paid off)
Car - [STRIKE]£2,200[/STRIKE]/ £2,000 - 9.09% cleared (£200 paid off)

Emergency Fund - £33.12/ £1,000 - 3.31% reached
House repair fund - £1460/ £6,282 - 23.24% reached

Weight - Lose 28 lbs - 8.5/28

Mortgage overpayments - £30.00

Kitten868

Sounds like the change to spring has had a great impact on you as ever same with me. I think a lot of us are this way. I also think that getting somewhere with the house is clearing the mind mess too. You're doing so well!

Just wondering what your tracker rate looks like? I'm getting twitchy about my fixed coming to an end. Could you lock in now? Would it save you money for your budget? I know you like to overpay but I don't know of any mortgages that don't allow 10% overpayments each year and I don't think you'd exceed that. Would it help your budget to know how much it'll be?

Sounds like you're on top of Easter. Keep up the great work xxx

HairyHandofDartmoor

jwil wrote: »

Hello everyone

I haven't posted for a while for various reasons. I wanted to keep a lower profile for a bit on my diary in case someone spotted me.

DH took the kids out for the day last weekend, so that was nice and I had a day to myself. I got very busy and had a good tidy up We have some more clear spots now :T :T Nothing big, but it makes a difference to me

DH is off next week so he is planning sorting out loads of stuff for ebay. I hope he makes a difference. I'm off the following week so hope to do a bit more then.

Now the mornings are starting to get a bit lighter (well they were until the clocks changed) I have restarted couch to 5k. I'll finish week 1 tomorrow, but did an extra run last week before I restarted properly. I hope to finish this time! I got almost to the end last time, just 2 runs to go and then I hurt my back which stopped me. I was very annoyed that I didn't finish it. Hoping it will help with my weightloss which has stalled at the moment All my own fault though. I have to give up chocolate as I clearly can't control myself around it :mad: Hoping for a maintain today, not a gain

Little jwil was ill last Sunday, so I spent Mother's day scrubbing and bleaching, happy days! Luckily I had kept their room tidy so it was easier to clean :j

I've redone my SOA and I think I am starting to see the light. It's all still very tight, but should be ok once little miss starts school next year. I know it's still 17 months away, but it just seems in sight now. Then hopefully I can get rid of these debts once and for all and start living and having some savings!

I've got my MOT and service next week, need to look out the log book and the service book. Luckily I know exactly where they are I am a bit nervous as it's the first one since I bought it, but DH doesn't think there should be anything, apart from perhaps a number plate as it was an advisory last time for being faded.

The meds still seem to be working. Still tired in the morning, but it's a novelty actually sleeping! Back to the docs next week and hopefully that will be it for a while.

Glad you're back posting again . Well done on the tidying up and restarting the 10k :T.

Good luck with your MOT, I hope it passes and doesn't need anything doing.

Great news that the meds are still working, it sounds like these are the right ones to suit you :T.

brizzlegirl

Hope alls ok jwil. Have a great weekend xx

jwil

Kitten868 wrote: »

Sounds like the change to spring has had a great impact on you as ever same with me. I think a lot of us are this way. I also think that getting somewhere with the house is clearing the mind mess too. You're doing so well!

Just wondering what your tracker rate looks like? I'm getting twitchy about my fixed coming to an end. Could you lock in now? Would it save you money for your budget? I know you like to overpay but I don't know of any mortgages that don't allow 10% overpayments each year and I don't think you'd exceed that. Would it help your budget to know how much it'll be?

Sounds like you're on top of Easter. Keep up the great work xxx

Thanks Kitten The spring definitely makes a difference, though it's cold and grey today

I'm happy with my mortgage as it is We're on a good enough rate and I don't think they will increase that quickly. I've got a level in my mind for it to reach before I fix it again and it's nowhere near that yet.

HairyHandofDartmoor wrote: »

Glad you're back posting again . Well done on the tidying up and restarting the 10k :T.

Good luck with your MOT, I hope it passes and doesn't need anything doing.

Great news that the meds are still working, it sounds like these are the right ones to suit you :T.

Thank you Hoping the car goes through ok x

brizzlegirl wrote: »

Hope alls ok jwil. Have a great weekend xx

Thanks Brizzle, you too

jwil

Little jwil has been out doing junior parkrun this morning :T Little miss and I were cheering him on and then they went to the park after. I finally remembered to buy some icing tubes so they've been decorating some gingerbread that's been here since Christmas. Does that count as decluttering?

DH sold a big item on ebay, so that's great that it's gone but it will be a pain to pack and post! My big lot also sold for the full price, so happy with that :j

HairyHandofDartmoor

Well done to Little Jwil for doing Park Run :T. Great news on two big items selling too :T.

Lifeisforliving19

Love it when kids want to get into these park runs, its so good for them. Yes, I think using up the gingerbread men definitely counts as de cluttering. I have been getting rid of a few bits that weren't fit to sell, by putting on a FB page that is all about recycling and reusing etc, so members give away stuff rather than take it to CS. Makes me feel good as I am decluttering as well as helping somebody out.