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

jwil

Here's my end of month update. I can't access the mortgage at the moment, so will have to check that again later.

Debts 2020
1. £8,309/£8,306
2. £3,778/£3,775
3. £1,872/£1,869
4. £4,759/£4,753

Car: £1,600/£1,450
HMRC: £288/ £0   

Mortgage: £112,675/£111,509

Other 'debts'

General emergency Fund - £1,000/ £152 (£848 to go)
House emergency fund - £4,000/ £549 (£3,451 to go)
F&F fund - £10,000/ £10 (£9,990 to go)
Mortgage overpayments - £20,000/ £11 (£19,989 to go)
House renovation fund - £20,000/ £40 (£19,960 to go)
Car replacement fund - £3,000/  £0 (£3,000 to go)

'Official' debt of - £20,606/£20,156
= £450 paid, 2.18% cleared 👏 
Unofficial 'debt' (aspirational savings targets) of - £58,000/£57,238
= £762 paid, 1.31% cleared 👏

savingholmes

You are making good progress. Enjoy the sun too while it lasts

jwil

savingholmes said:

You are making good progress. Enjoy the sun too while it lasts

Thank you

jwil

I can get onto the mortgage account now so updated those figures.

Yesterday I managed to thoroughly deep clean the bathroom, bleached all the tiles, ceiling, floor, paintwork and shower curtain.  It looks and feels much cleaner.  I did inadvertently declutter a jumper whilst doing it by accidentally dripping bleach on it

I sneakily didn't change the time on the kids clock last night to try and have a bit of a lie in.  Whilst it worked for them, I was still up at the usual time, but lay in bed and read instead which was nice.  I've changed it this morning as tomorrow am up anyway for work.

It's still looking sunny out there, so today I'm just going to enjoy it.  It looks like it's the last time for a while so will just chill in the sun now.

Kitten868

I think we lost 2 hours in our house. The kids didn't get up normal time but an hour later plus the daylight savings! Madness! 
Pleased for you about the bathroom and the supermarket with stock in it xxx

savingholmes

I think most of us don't know what day it is never mind the time. 

jwil

Kitten868 said:

I think we lost 2 hours in our house. The kids didn't get up normal time but an hour later plus the daylight savings! Madness! 
Pleased for you about the bathroom and the supermarket with stock in it xxx

Thank you   Great result though with the kids not getting up!

savingholmes said:

I think most of us don't know what day it is never mind the time. 

No, I'm definitely clueless as to what day it is!

HairyHandofDartmoor

savingholmes said:

I think most of us don't know what day it is never mind the time. 

🤣🤣🤣

jwil

Payday hurrah!  I've made all the payments.  Once the DDs come out tomorrow I will be able to have a better idea of what's left for the month. Then I'll decide how much I can put towards stuff. I'll take advantage of the month without various payments to make a dent in some of my targets.

One of my debts has finally been passed to a DCA.  It's the earliest one that defaulted and will fall off my file later this year.  Hopefully eventually I can get a F&F on it.  I've sent an up to date financial statement with my offer of payment.  I'll post it when I go out for a walk.

jwil

I had a letter from RM surveys today supposedly with some freebie mini eggs in it.  Sadly the envelope was empty   Hopefully they've fallen out where some hard-working postie can enjoy them.