Every debt this debt will go down

NeverendingDMP

More painting done this morning, tilly tallies done and am going to attempt to tidy up/or stack things in one half of each room throughout the house. A half clear space will help make a clearer mind hopefully and reduce my stress levels....and the likelihood of injury...
Phonecalls to other trades people today to see if we can find anyone who is free. Wish me luck

jwil

NeverendingDMP said:

More painting done this morning, tilly tallies done and am going to attempt to tidy up/or stack things in one half of each room throughout the house. A half clear space will help make a clearer mind hopefully and reduce my stress levels....and the likelihood of injury...
Phonecalls to other trades people today to see if we can find anyone who is free. Wish me luck

Good luck!

NeverendingDMP

Found another trades who has previously done work in our builders house which we will check out was ok. He has a plausible reason for having a free slot at short notice but has quoted more money than the one who has given backword. Work to start again in 2 weeks when he has a gap..... .  

When we started this journey we had surplus each month to save up and cope with any after effects, now with gas electric, bills and food increases we don't. Trying not to panic and feel like we have rewound by 6 years.  
On a positive note we have stacked things on one half of each room so my brain feels happier!
No tilly tallies today as accounts ending in zero already but budget on track till payday so all good in that respect 

jwil

Glad you've found someone. 

NeverendingDMP

Thankyou, so are we  just hope it's good job 🙏 

NeverendingDMP

So we have done some money shuffling and a new spreadsheet with all our new outgoings on. If our gas and electricity stays at 200 a month or less we break even on our flat wages. This allows for regular bills, a bit of activity money, xmas savings and 25 a month into the emergency fund. DH has option of overtime reasonably often so once a month or so he can do an  extra shift to build up our reserves.
We've not had the final bills in for all our works but we think we have enough. Once it's all completed and finalised we will pick a debt to get rid of. Normally the advice is interest rates first but we will pick the one that will reduce our outgoings the soonest I think to give us flexibility for winter.

jwil

That sounds like a good plan, and good that things are balancing

NeverendingDMP

jwil said:

That sounds like a good plan, and good that things are balancing

Thankyou, just need to motivate myself to do something productive today now. 

NeverendingDMP

Chill out day yesterday but more productive day today. Nice weather and some time out with the kids. Little bit spendy but a nice treat on a sunny day.
4 lots of washing done and on the line as well. House untidy but tbh it's not gonna be tidy till the works finished and I can put everything away so I can ignore that.
Tilly tallies and regular tiny payments to the debts. So they are still going down daily despite the whopper of an increase over the past 2 months due to building work. 

NeverendingDMP

Tilly tallies done after yesterday's spends. Sun is shining and 41 pounds spent on gas and electricity this week which is far better than my 60 the week before. If the weather stays nice let's aim for sub 40 in the sunny weeks!