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2020 - 'Nothing in your life will change until you make the decision to change'
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My end of month update:
Debts 2020
1. £8,309/£8,305
2. £3,778/£3,774
3. £1,872/£1,868
4. £4,759/£4,755
Car: £1,600/£1,400
HMRC: £288/ £0
Mortgage: £112,675/£111,098
Other 'debts'
General emergency Fund - £1,000/ £164 (£836 to go)
House emergency fund - £4,000/ £1125 (£2,875 to go)
Mortgage overpayments - £20,000/ £21 (£19,979 to go)
Car replacement fund - £3,000/ £5 (£2,995 to go)
'Official' debt of - £20,606/£20,102
= £504 paid, 2.44% cleared 👏
Unofficial 'debt' (savings targets) of - £28,000/£26,685
= £1315 paid, 4.69% cleared 👏
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee7 -
I've got rid of some of my savings targets, they were too big. I'm just focussing on the ones above for now. Hopefully I'll be able to make some dents in them!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee6
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You're doing really well Jwil. I'm loving the savings goals.x
LBM Aug 2017.
Debt at LBM - £30,055
Debt at highest - £43,148.59
Current debt - £18,880.00
EF - £1,000.00
Challenges
PAYDBX 2021 - #29 Pd £2,355 / £8,000 PAYDBX 2020 - Pd £6,459.00 | PAYDBX 2019 - Pd £16,945.60 | PAYDBX 2018 - Pd £15,010.60.5 -
Decluttering update
392-395. Carpet runners
396-400. Aerosols
401-403. Bird feeders
404. Bucket
405. Pee post
406. Cat scratcher
407. Sponge
408-409. Bags of rags
410. Bag of blankets
411-412. Cardboard boxes
413. Assorted shelf pieces
414-415. Books
416. Pen
417. Jumper
418. Trainers
419. Boots
420. Potty training pants
421-426. Books
427. String
428-430. Crates
431. Jar
432-434. Medicines
435-436. Books
437. Pritt Stick
438. Cotton wool
439. Crate and lid
440. Socks
441. Play doh accessory
442-460. Books
461. Tape
462. DVD
463.Football
464. Socks
465-467. Books
468. DVD
469. Bookmark
470. Tennis ball
Decluttering 2020 totals:
Magazines/papers: 241
Ebay parcels: 119
Other: 470
Total: 830
Ebay listings: 158
Survey/other earnings:
Amazon: £54
Paypal/cash: £111.28
Other vouchers:£0
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee6 -
Thank youAdventureWanted said:You're doing really well Jwil. I'm loving the savings goals.x
They look a bit more manageable now rather than having a big list of them! "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5 -
Another day at work. I managed to tick a couple of bits off my list so that's good.
I did a few more listings today as well. Still plenty to go!
I've just gone on to check my Tesco delivery for tomorrow, and there were loads of slots again for next week, so I've booked another one. They must have freed up loads of slots at our store.
I've redeemed £5 from amazon and cashed out from PA today too.
Hope everyone is well."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee7 -
Glad you've been able to get deliveries. Good that you are ebay listing too - hopefully that will bring some more money in. Your debt is heading in the right direction too - lots to celebrateAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/255 -
Thankyou for this Jwil, I went and checked as soon as I read it and managed to get a slot next week, have done a bulk shop of heavy stuff, washing powder tins etc hopefully everything will be in stock, couldn't get flour though so will have a look in co op after work tomorrow xxjwil saidI've just gone on to check my Tesco delivery for tomorrow, and there were loads of slots again for next week, so I've booked another one. They must have freed up loads of slots at our store.
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You are doing so well with the decluttering I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.6 -
Thank yousavingholmes said:Glad you've been able to get deliveries. Good that you are ebay listing too - hopefully that will bring some more money in. Your debt is heading in the right direction too - lots to celebrate Fingers crossed we get some sales and some space!
I'm glad you managed to get one. Flour is a real issue around here too.pennywisepoundstupid said:Thankyou for this Jwil, I went and checked as soon as I read it and managed to get a slot next week, have done a bulk shop of heavy stuff, washing powder tins etc hopefully everything will be in stock, couldn't get flour though so will have a look in co op after work tomorrow xx
Thank youbeanielou said:You are doing so well with the decluttering I know I am always moaning about DH and his stuff, but he really is making an effort and we are starting to see the difference. "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5
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