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New year plus new decade equals, new diary

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New year plus new decade equals, new diary

edited 8 January at 2:31PM in Debt Free Diaries
103 replies 3.6K views
charhen19charhen19 Forumite
293 posts
Seventh Anniversary 100 Posts
✭✭
edited 8 January at 2:31PM in Debt Free Diaries
More details to follow but here we go, I've started it!

Goals for 2020 are as follows:
*Keep up to date with my penny a day jar (towards DMP)
*Keep up to date with my £1 a day jar (towards Christmas 2020)
*Daily Tilly Tidying (rounding down the pennies in my current account against the mortgage - if it's at £??.00 I pay £1.00)
*Building my emergency fund up to £1,000

I'm sure there's more and I need to update my sig. but off to do some work for a bit now.
£30,000 £7059.17 DMP consisting of...
£441.02 Barclays O/D - £1045.17 Barclaycard
£2265.09 Abbey card
- £3307.89 M&S Money
Original DFD December 2025 Now July 2023
EF @ £250/£1000 - 0% Furniture @ £80/£367
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Replies

  • charhen19charhen19 Forumite
    293 posts
    Seventh Anniversary 100 Posts
    ✭✭
    A few more to add to the list:

    Goals for 2020 are as follows:
    *Keep up to date with my penny a day jar (towards DMP)
    *Keep up to date with my £1 a day jar (towards Christmas 2020)
    *Daily Tilly Tidying (rounding down the pennies in my current account against the mortgage - if it's at £??.00 I pay £1.00)
    *Building my emergency fund up to £1,000
    *Clear out something every day (this could be one thing into the charity bag, one single item used up or a whole cupboard cleared out)
    *get rid of my 0% furniture balance - it's not massive but would like it gone and ahead of schedule at that
    *get on the ebay case - I go through fits and starts with this. I've found really that only new items with tags are worth the hassle so will create a bootfair pile for the rest
    *breakfasts, lunches and snacks to be taken to work every day - all it takes is a little organisation but can be a massive saving in the long run
    *stay on the no smoking wagon - I suprised myself and everyone else last year by one day just giving up and moving onto a vape and haven't looked back. Yes - I know vapes aren't great either and I am now on a quarter of the strength fluid I was using when I first quit but there's obviously room for improvement there still.
    *maintain/drop some weight - this one I'm not too fussed about. If I maintained I'd be happy but if I dropped a little I'd be even happier!
    £30,000 £7059.17 DMP consisting of...
    £441.02 Barclays O/D - £1045.17 Barclaycard
    £2265.09 Abbey card
    - £3307.89 M&S Money
    Original DFD December 2025 Now July 2023
    EF @ £250/£1000 - 0% Furniture @ £80/£367
  • edited 9 January at 1:55PM
    charhen19charhen19 Forumite
    293 posts
    Seventh Anniversary 100 Posts
    ✭✭
    edited 9 January at 1:55PM
    Just a quick catchup today - signature updated.

    Up to date with everything so far - my penny a day jar and £1 a day jar are paid upto and including 19th Jan as I get paid again on 20th so that can go to the back of my mind until then.

    TT's done for today and all food brought from home to work.

    Still in "using stuff up" mode from Christmas so will hopefully start to see some space in the cupboards and freezer soon!

    Mission tonight is to go through the tea/coffee/sugar cupboard, clear it out, wipe it out and return what we're keeping. Also to list a bag on ebay.
    £30,000 £7059.17 DMP consisting of...
    £441.02 Barclays O/D - £1045.17 Barclaycard
    £2265.09 Abbey card
    - £3307.89 M&S Money
    Original DFD December 2025 Now July 2023
    EF @ £250/£1000 - 0% Furniture @ £80/£367
  • NeverendingDMPNeverendingDMP Forumite
    637 posts
    500 Posts Second Anniversary
    ✭✭
    Hello and happy new year. Your dmp will be nearly over my the looks of your signature. Your dfd is in reach. Well done you.
    And happy new diary :)
    35,213 - Jan 2018, 18021 remaining.
    Mortgage Jan 2018 =77224, 69688 remaining
    EF = 1040.
  • edited 9 January at 2:28PM
    charhen19charhen19 Forumite
    293 posts
    Seventh Anniversary 100 Posts
    ✭✭
    edited 9 January at 2:28PM
    Just paid £2.71 off the furniture and £2 to my EF - I like round numbers!
    £30,000 £7059.17 DMP consisting of...
    £441.02 Barclays O/D - £1045.17 Barclaycard
    £2265.09 Abbey card
    - £3307.89 M&S Money
    Original DFD December 2025 Now July 2023
    EF @ £250/£1000 - 0% Furniture @ £80/£367
  • charhen19charhen19 Forumite
    293 posts
    Seventh Anniversary 100 Posts
    ✭✭
    So a little more info:

    My DMP which started at around the £30k mark began in September 2010 with an end date of sometime in 2025 at first. Of course I didn't care at the time, I was just glad I was out of immediate danger and plodded on for a few years making the monthly payments.

    In more recent years I've made over payments of my penny a day jar, any Christmas bonuses (not massive ones don't get me wrong, maybe £50 or £100 a year but they are very good to us all year round). Also in February and March each year I've paid my council tax money to it where you don't have to pay it those months.

    So now I find myself with my DFD brought forward quite a bit and I'm wondering how much better I can do. My OH has a big celebration this June which we will probably go away for and then I have a big celebration August 2021 for which I'd like to say I'm DMP free!!

    I feel some calculations and a spreadsheet coming on!
    £30,000 £7059.17 DMP consisting of...
    £441.02 Barclays O/D - £1045.17 Barclaycard
    £2265.09 Abbey card
    - £3307.89 M&S Money
    Original DFD December 2025 Now July 2023
    EF @ £250/£1000 - 0% Furniture @ £80/£367
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • NeverendingDMPNeverendingDMP Forumite
    637 posts
    500 Posts Second Anniversary
    ✭✭
    I think you are doing fantastic. Mine was about 15 years then more than that when DH defaulted. I think technically with what i have agreed to pay im at about another 12 years from now but im hoping for 5 or 6 if i can settle my last big one at some point.
    Keep it up.
    35,213 - Jan 2018, 18021 remaining.
    Mortgage Jan 2018 =77224, 69688 remaining
    EF = 1040.
  • GlendaSugarbeanGlendaSugarbean Forumite
    689 posts
    500 Posts First Anniversary Photogenic
    ✭✭
    Fantastic progress :)
  • edited 10 January at 11:52AM
    charhen19charhen19 Forumite
    293 posts
    Seventh Anniversary 100 Posts
    ✭✭
    edited 10 January at 11:52AM
    Morning all!

    TT's done for the day and my breakfast, snacks and lunch have been brought from home.

    Continuing to clear out the house room by room. We have lots we'd like to do in the house but no budget to do it at the moment so focussing on clearing out is helping me to see the bigger picture. If each room is only full of essentials/things we will need/use then it will be easier to do the jobs once we have the cash in the budget. Plus it makes me feel a little cleansed!

    Today I gave away 2 bottles of truffle oil (I cant stand truffle, my palate is obviously not sophisticated enough to appreciate it) to someone at work who I know will use it. Someone else at work who does a lot of baking has received 2 x bags of golden caster sugar. And a friend will be receiving a litre of bubble bath on my way home tonight - we never bath, only ever shower.

    The bathroom is now fully "cleansed" and I'm onto the kitchen with a vengance! One cupboard/drawer per day minimum.
    £30,000 £7059.17 DMP consisting of...
    £441.02 Barclays O/D - £1045.17 Barclaycard
    £2265.09 Abbey card
    - £3307.89 M&S Money
    Original DFD December 2025 Now July 2023
    EF @ £250/£1000 - 0% Furniture @ £80/£367
  • charhen19charhen19 Forumite
    293 posts
    Seventh Anniversary 100 Posts
    ✭✭
    Right - I'm now also back on the case with my survey clicks, must keep it up. They add up sooooo slowly though and take ages to pay out but I must remember that I'll be grateful when I finally receive that payout - slow and steady wins the race as my granny used to say!

    Almost the weekend - thank goodness. I'm tired this week. No lay in tomorrow though - we run a sports club and will be attending tomorrow so YS sausages for breakfast (I love a bit of YS shopping/freezing/cooking) and then straight out organising everyone before an afternoon in the freezing cold! I may have treat myself to a glass of wine or two to warm myself up when I get in around 6pm - all in the interest of using things up and clearing things out obviously!

    We're always shattered by the time we get in on Saturdays (it's a bit of an emotional rollercoaster watching your own club, whether they win or lose) so cooking is the last thing on our minds. In days gone by we would have thought nothing of shelling out for a delivery pizza plus sides - £30 plus?! Nowadays I have chicken goujons ready to cook from the freezer and I'll look out for a YS pizza on my travels tonight. A saving/not spending of around £25. Shocking really.
    £30,000 £7059.17 DMP consisting of...
    £441.02 Barclays O/D - £1045.17 Barclaycard
    £2265.09 Abbey card
    - £3307.89 M&S Money
    Original DFD December 2025 Now July 2023
    EF @ £250/£1000 - 0% Furniture @ £80/£367
  • charhen19charhen19 Forumite
    293 posts
    Seventh Anniversary 100 Posts
    ✭✭
    Another £2.00 off the furniture and £2.00 towards the EF - I won't be able to maintain these levels of over payments, this is a one off week where I've had very little to pay out for due to using up supplies indoors.
    £30,000 £7059.17 DMP consisting of...
    £441.02 Barclays O/D - £1045.17 Barclaycard
    £2265.09 Abbey card
    - £3307.89 M&S Money
    Original DFD December 2025 Now July 2023
    EF @ £250/£1000 - 0% Furniture @ £80/£367
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