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2020 - 'Nothing in your life will change until you make the decision to change'

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  • jwil
    jwil Posts: 21,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Decluttering update

    1-31. Books
    32. Pen
    33. Hot Wheels carry case
    34. Glass jar
    35. Crisps
    36-136. Large box of Xmas decorations
    137. Sim card and case
    138. Baby oil
    139. Trousers
    140. Shave gel
    141-147. Bags
    148-208. Clothing
    209. Trainers
    210-211. Coats


    Decluttering 2020 totals:
    Magazines/papers: 13
    Ebay parcels: 60
    Other: 211

    Total: 284


    Ebay listings: 43

    Survey/other earnings:
    Amazon: £11
    Paypal/cash: £28.82
    Other vouchers:£0
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    February is going to be an expensive month.

    I've got Little jwil's birthday, mine and another 2.

    Optician, dental hygienist, the cat's vaccinations

    Boiler service.

    I could do with refilling the freezer after last month's open door disaster, though we've eaten our way through everything so little waste.

    Oh well, at least it's a short month :eek:
    "If you can dream it, you can do it". Walt Disney
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm in awe of the decluttering. You would have a field day at my house!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • jwil
    jwil Posts: 21,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm in awe of the decluttering. You would have a field day at my house!


    Haha, thank you. It seems neverending at my house though! I know there's improvement, but the categories I've done seem to breed too!
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Tired today and achey. We've got a busy weekend, I've got the opticians tomorrow and also the cat has to go to the vet for boosters. Expensive weekend too!

    I think this month is going to be really tight again, but I'm determined to try and put some money aside towards some of my targets. I might have to have a look and see if I can find anything to sell.
    "If you can dream it, you can do it". Walt Disney
  • So impressed with your decluttering efforts, I need some of your motivation.
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • missymoo81
    missymoo81 Posts: 7,966 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hey JWIL, just found your new diary. Well done on the decluttering and I’m inspired by your eating well efforts. I’ll subscribe and keep up to date. Good luck with your goals.
  • jwil
    jwil Posts: 21,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So impressed with your decluttering efforts, I need some of your motivation.
    Thank you!  We have so much to get rid of.  I'd not be so motivated if it wasn't quite so cluttered.  Just make small steps though, clear one spot and they'll soon add up :)
    Hey JWIL, just found your new diary. Well done on the decluttering and I’m inspired by your eating well efforts. I’ll subscribe and keep up to date. Good luck with your goals.
    Thanks Missy :)  Good luck with yours
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,841 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I haven't posted for ages.  I've been struggling a bit.

    Thought I'd better find myself again on the new layout otherwise I'll be lost forever  :D I've got to find everyone's diaries again too.  I so miss the daily email digests, I hope they bring them back.

    Will catch up properly soon.
    "If you can dream it, you can do it". Walt Disney
  • jwil said:
    I haven't posted for ages.  I've been struggling a bit.

    Thought I'd better find myself again on the new layout otherwise I'll be lost forever  :D I've got to find everyone's diaries again too.  I so miss the daily email digests, I hope they bring them back.

    Will catch up properly soon.
    so sorry you are struggling. Sending you lots of love and all the strength in the world to get through it quickly. I love your diary and can identify totally with you and your situation 😘xx
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