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

jwil

beanielou said:

Take a wee step back.
Write a list or two.
Baby steps.
Only a PM away if needed 

beanielou said:

Is there anything you can do to make work any easier?

Thank you beanie, I really appreciate it

I have taken your advice, slowed down and made a list.  I'm going to focus on the bits that I 'can' do, and then hopefully the things I am worrying about will become a bit clearer.

There is so much going on and everyone wants everything now.  I can't do everything.  I've managed to have a discussion with a few different people today and delayed a couple of things which helps a little.

So I'm a little calmer today thankfully!

jwil

I took advantage of that tails.com offer in the weekly email last week.  That has arrived today.  A month's worth of dog food for £4!  It seems to have good reviews so will see how the dog likes it.

I've also ordered DH's birthday pressies, very organised!

At the weekend I want to get the rest of the school uniform while we are getting the shoes, so I must make a list for that.

I'm going to take a long lunch break tomorrow and spend some time with the kids.  I'll get up early to make up the hours.  I'm then going to take the next couple of Thursdays off.

My scales say I have lost nearly 2lb.  Yesterday and today I have been off the healthy eating so better get back on it again to maintain that loss.

Hope everyone is well

beanielou

Good       

jwil

My end of month update:

Debts 2020

1. £8,309/£8,302

2. £3,778/£3,771

3. £1,872/£1,865

4. £4,759/£4,752

Car: £1,600/£1,250

HMRC: £288/ £0   

Mortgage: £112,675/£109,802

Other 'debts'

General emergency Fund - £1,000/ £258 (£742 to go)

House emergency fund - £4,000/ £2550 (£1,450 to go)

Mortgage overpayments - £20,000/ £100 (£19,900 to go)

Car replacement fund - £3,000/  £100 (£2,900 to go)

'Official' debt of - £20,606/£19,940

= £666 paid, 3.23% cleared 👏 

Unofficial 'debt'  (savings targets) of - £28,000/£24,992

= £3008 paid, 10.74% cleared 👏

jwil

Decluttering update.  I lost a list earlier in the month, so the totals are really higher.

611. Library books
612. Plastic crate
613-614. Socks
615-616. Micro scalextric track
617. Glue
618-619. Books
620-623. Banana boxes full of stuff to relative
624. Fish toy
625. Book
626. Book
627. T shirt
628. Paperwork
629. Envelopes
630. Socks
631. Pen
632-633. DVDs
634-640. Books

Decluttering 2020 totals:

Magazines/papers: 377

Ebay parcels: 328

Other: 640

Total: 1345

Ebay listings: 405

Survey/other earnings:

Amazon: £89

Paypal/cash: £186.06

Other vouchers:£0

beanielou

Amazing 😉 

savingholmes

Great progress. Hope you have a refreshing weekend

jwil

Thank you both

I'm glad it's the weekend now.  This weekend we are sorting out the rest of the school uniform.  Kids have an appointment to get their shoes fitted tomorrow. I must check what I still need.  Not much thankfully.

I changed all the beds this morning ahead of the heatwave.  I thought it would be a good day to get it all dried, and there's been heavy showers all afternoon!  I'm not looking forward to the stuffy nights, I haven't been sleeping well anyway.

I've booked the next two Thursday's off at work, so I'll be able to spend the day with the kids.  Yesterday's lunch break didn't happen as there was too much going on.  My boss is on leave next week, so hopefully i'll get some peace to catch up with things.

The covid app has asked me to do a test as I reported some of the symptoms on the list yesterday (stomach ache).  I think it was anxiety related not anything else, but I'll get it done anyway.  It helps for the national picture.

I need to do a new SOA for next month.  I might actually be able to start paying a little more to the debts   I won't  go too crazy as I want to save up for F&F settlements.  I need to also make sure I'm putting the right amount away monthly for the annual bills, I'm not doing that at the moment.  I need to MOT my car in early Oct as well, as it was extended earlier this year.

jwil

We've been in town today and got everything we need for the kids, including some clothes and shoes for home as well as they had grown out of them.  Spent a fortune but it's all done now.  I ordered online the last couple of bits that I couldn't get in town.

I've sent a message to my doctor online about my knee as it's still very painful and it's almost 2 months since I had the fall.  I'll see what they reply next week.

Melting here, so not done much this afternoon!

beanielou

Glad that is you about done