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

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  • MidsHollie
    MidsHollie Posts: 292 Forumite
    100 Posts Second Anniversary Name Dropper
    Hi JWil, Good Luck!

    Some of your stats are amazing - did you really sell almost 1000 things on ebay this year?!
    I've recently started listing a few clothing items. Not sure whether to continue or just to donate them. At least selling them seems slightly more positive but I'm always worried that I'll end up losing money!

    https://forums.moneysavingexpert.com/discussion/6086606/debt-free-by-23/p1

    True LBM, December 2019 = £32934. Current Debt = £12762. 1% Challenge = 61.1%. #51 3-6 Month EF Challenge = £1200/£6000



  • juliejim
    juliejim Posts: 7,943 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Happy new diary jwil!
    NST #10 Steps 7K 2/30 10K 2/12 5 a day 3/30 NSD 0/20
    MBNA £5500
  • dawnybabes
    dawnybabes Posts: 3,327 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Happy new year and happy new diary x
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Munchin
    Munchin Posts: 2,816 Forumite
    Part of the Furniture 1,000 Posts Photogenic Debt-free and Proud!
    Hi Jwil

    Happy New Year & Diary. I totally understand the frittering which is also my biggest downfall. Will be looking forward to your updates :)
  • ILAWG
    ILAWG Posts: 27 Forumite
    Hello Jwil - I was a reader of your other diary and will follow this one. I totally get you with regards to looking after yourself I am in the same boat. Your Ebay sales are incredible. I've never done that, just pack up my bits and go to the charity shop, but it's certainly a good way to bring some money in. Keep up the good work.
  • NeverendingDMP
    NeverendingDMP Posts: 2,191 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Just thought i would pop in and say hello and happy new year. :)
    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...
  • jwil
    jwil Posts: 21,834 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    MidsHollie wrote: »
    Hi JWil, Good Luck!

    Some of your stats are amazing - did you really sell almost 1000 things on ebay this year?!
    I've recently started listing a few clothing items. Not sure whether to continue or just to donate them. At least selling them seems slightly more positive but I'm always worried that I'll end up losing money!

    Hi MidsHollie :) Thank you :) Yes, we did sell that much. It's mostly DH's stuff now but some of mine and the kids. DH is a real collector and trying to weed through some of it now. I sold a lot of my stuff when I didn't have enough money to get through the month, now I only sell stuff when I think it's worth it. DH still sells a lot though and I do his listing otherwise it will never get done.

    I never really sold clothes though, I think buyers are too much of a PITA for that :rotfl:
    juliejim wrote: »
    Happy new diary jwil!

    Thank you juliejim :)
    dawnybabes wrote: »
    Happy new year and happy new diary x

    Thank you dawnybabes :)
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 21,834 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Munchin wrote: »
    Hi Jwil

    Happy New Year & Diary. I totally understand the frittering which is also my biggest downfall. Will be looking forward to your updates :)

    Thank you Munchin, I've really got to tackle this one :)
    ILAWG wrote: »
    Hello Jwil - I was a reader of your other diary and will follow this one. I totally get you with regards to looking after yourself I am in the same boat. Your Ebay sales are incredible. I've never done that, just pack up my bits and go to the charity shop, but it's certainly a good way to bring some money in. Keep up the good work.

    Thanks for delurking ILAWG :) I've definitely neglected myself in recent years.

    Now that I'm not so desperate for the money, I'm definitely more of a donate to charity person. DH's stuff is collectables so there are international audiences for them and it's worth putting them on ebay.
    NeverendingDMP wrote: »
    Just thought i would pop in and say hello and happy new year. :)

    Thank you Neverending DMP :) Happy new year to you too :)
    "If you can dream it, you can do it". Walt Disney
  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,189 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hi Jwil,

    Being a mum I can completely understand the not investing in yourself part - this is so common. I too have this goal as well for 2020!

    Look forward to reading how you get on
    2025 financial goals & challenges!

    1). Mortgage (started Jan 2024) £107,542.12 / £122,400.00 Overpayment total: £904.60 (Inc Sprive yr 1 o/p £19.16 & £55.34 reg monthly overpayment) Equity 27%

    2). #7 Save 1p a day challenge 2025 £150/£780

    3). £2109.85/£3000 in Investment ISA (34/50 investments)

    4). Increase cash savings & saving pots

    5). Keep debt to a minimum.

    Favourite quote: 'Life is like a box of chocolates, you never know what you're gunna get!' Forrest Gump
  • jwil
    jwil Posts: 21,834 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks everyone for popping in.

    We are off for our annual walk at the seaside and then I shall do some targets later. :)
    "If you can dream it, you can do it". Walt Disney
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