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

griffinsaver26

jwil said:

griffinsaver26 said:

Hi jwil. Just wanted to stop by and say hello. I lost my old login details so had to re-register under a different name but you always used to post on my thread and give me lots of encouragement. Good to see you doing well 

Hi griffinsaver26, thanks for popping in!  Who were you previously if you don't mind my asking?

I used to be Cooperjar. It was quite a while ago though, but I managed to pay off my debts thanks to you and others giving me lots of support! 

jwil

My end of month update:

Debts 2020

1. £8,309/£8,303

2. £3,778/£3,772

3. £1,872/£1,866

4. £4,759/£4,753

Car: £1,600/£1,300

HMRC: £288/ £0   

Mortgage: £112,675/£110,227

Other 'debts'

General emergency Fund - £1,000/ £202 (£798 to go)

House emergency fund - £4,000/ £2110 (£1,890 to go)

Mortgage overpayments - £20,000/ £81 (£19,919 to go)

Car replacement fund - £3,000/  £75 (£2,925 to go)

'Official' debt of - £20,606/£19,994

= £612 paid, 2.97% cleared 👏 

Unofficial 'debt'  (savings targets) of - £28,000/£25,532

= £2468 paid, 8.81% cleared 👏

jwil

Decluttering update.  It's slowed down this month apart from ebay sales!

593-596. Pens
597. Trainers
598. Trainers
599. Book
600. Pen
601. Book
602-603. Gift bags
604. T shirt
605-606. Gift bags
607-608. Gift tags
609. Jeans
610. Book

Decluttering 2020 totals:

Magazines/papers: 369

Ebay parcels: 291

Other: 610

Total: 1270

Ebay listings: 373

Survey/other earnings:

Amazon: £84

Paypal/cash: £169.68

Other vouchers:£0

jwil

griffinsaver26 said:

I used to be Cooperjar. It was quite a while ago though, but I managed to pay off my debts thanks to you and others giving me lots of support! 

I remember you, welcome back!

savingholmes

Well done on the decluttering. You are building up a good savings pot too.

jwil

savingholmes said:

Well done on the decluttering. You are building up a good savings pot too.

Thank you   I'm so pleased with the savings.  I've even got money in my annual bill pots too,  it's a real first for me.

remote_control

I have the same chocolate problem. I have dark chocolate in the house which I don't like enough to over eat but I can have a square if I need the chocolate hit! I put on a stone earlier in the year by eating at least one Cadbury grab bag most days. I go into self-destruct mode.

jwil

remote_control said:

I have the same chocolate problem. I have dark chocolate in the house which I don't like enough to over eat but I can have a square if I need the chocolate hit! I put on a stone earlier in the year by eating at least one Cadbury grab bag most days. I go into self-destruct mode.

I'm terrible.  I'm craving chocolate so badly at the moment, but trying to resist.  I did buy some the other day, and just scoffed the lot.

jwil

Hope everyone is well

It's a blowy but dry day today with periodic hints of sun, so I've stripped all the beds and all the towels from the bathroom to try and get them washed and dried.  Bathroom and kitchen have been cleaned.  I've packed 8 parcels for DH and he's taken them to drop them off, so another few bits gone.  I've caught up with some admin as well.

I've been eating reasonably well this week, still not managed to get within my scale limit yet, but of course, I have no idea how over it I am.  I haven't completely stuck to the ready meal plan, as it does get a bit boring, but I'm trying to eat reasonably healthily,  I haven't been perfect, but much better than previous weeks.

I've been asked to go back on customer services again at work this week.  There is a backlog of 1000+ emails again.  I find this stressful and it triggers my overeating so I must have a plan to deal with it.  I'll prep some veg and stuff to snack on so I've got stuff to hand.

I took little jwil to the shop with me the other day.  He hasn't been in one since March.  He was very anxious but settled once he saw it was ok.  I wanted him to see it's not a big scary world out there.  He's meeting at a playpark with one of his friends this week, so hopefully that will help too.  He's very much like me in that he's happy to stay at home, but I don't want him becoming a recluse or too anxious to go anywhere.  Little miss is the complete opposite, very outgoing and confident, she is very much looking forward to being back to nursery 4 days this week.  She has obviously been listening to the news as she came into our bedroom yesterday morning and announced that as the play parks are now allowed to open she wanted to go and find one.  She's gone to the supermarket with DH and demanded to take her face covering and said she'd take care to keep her distance from everyone.

Hope everyone is having a good weekend

beanielou

Hope customer service goes well.
At least you know your trigger point.