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

jwil

Kitten868 said:

I'm sure it will. Sales are always encouraging! Maybe be really positive when you talk about it lol. 
Have a good half term week x

Thank you, you too

beanielou said:

Good news on the sales. 

beanielou said:

Enjoy your week off. 

Thank you

doingitanyway said:

Great news on sales and a successful parent's evening. All sounding good.

Thank you

jwil

Well DH has made a start on prepping some more stuff   I haven't achieved an awful lot today sadly  other than my massive email declutter!  30,000 ish done!  I clearly need to do a digital declutter.

savingholmes

Well done on the digital declutter. Never easy to do. Enjoy your time off. Well done on the parents evening success.

jwil

savingholmes said:

Well done on the digital declutter. Never easy to do. Enjoy your time off. Well done on the parents evening success.

Thank you.  I've been meaning to do it for ages.  I haven't even touched the photos yet, that will be a job and a half (physical and digital!)

jwil

End of month update:

Debts 2020

1. £8,309/£8,162

2. £3,778/£3,758

3. £1,872/£1,858

4. £4,759/£4,732

Car: £1,600/£1,050

HMRC: £288/ £0   

Mortgage: £112,675/£108,519

Other 'debts' (savings)

General emergency Fund - £1,000/ £320 (£680 to go)

House emergency fund - £4,000/ £4000 (£0 to go) 😁

Mortgage overpayments - £20,000/ £150 (£19,850 to go)

Car replacement fund - £3,000/  £150 (£2,850 to go)

'Official' debt of - £20,606/£19,560

= £1046 paid, 5.35% cleared 👏 

Unofficial 'debt'  (savings targets) of - £28,000/£23,380

= £4620 paid, 16.50% cleared 👏

beanielou

Figures looking good jwil   

jwil

beanielou said:

Figures looking good jwil   

Thank you   It's nice after all these years to finally see a bit of movement, even if it's slowly but surely

Kitten868

I wouldn't say slow! Massive movement! 

jwil

Kitten868 said:

I wouldn't say slow! Massive movement! 

Thank you

jwil

Well, the last day of half term and I don't feel like I've achieved anything.  It's been nice to have a rest though.  With Lockdown looming, it looks like DH will be home again.  His job will be increasingly at risk again, but at least there will be furlough again so we will have to take it while it's there and worry about things as they happen in the future.

I'm hoping that with the kids in school and me still working then he'll crack on again like he did earlier this year.  I did make a couple of suggestions about how we could clear a bit more space which will mean the middle room is almost clear, so just waiting for that to sink in, and hopefully he'll do it 😆

We did go out for the day the other day and had a little jaunt around the area, discovering a couple of new to us places so that was nice.  Yesterday we did lots of Halloween activities at home, and the kids enjoyed it.  This weekend will be their last swimming lessons for the next month too as swimming pools are closing.

This month is little miss's birthday, I've pretty much got her gifts, so now need to start getting ready for Christmas.  I want to be organised by the end of the month, so that I can essentially chill and enjoy December.  DH's ebay sales continue to trickle out, so I'm hoping he gets some more listed this month, and then I shut down in early December to avoid postage delays and hassles over Christmas.  It would be nice to see some more gone, especially while people are stuck at home!