Onwards and downwards...

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  • jwil
    jwil Posts: 19,109 Forumite
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    So my end of month update:

    Total debt: [STRIKE]£34,557[/STRIKE]/£33,924 = 1.83% paid
    Savings target: [STRIKE]£19,320[/STRIKE]/£85 = 0.44% reached

    Slowly but surely...

    I've actually paid a little more than this to the debts this month, but my credit file balances haven't updated yet, so they should show next month. I've almost doubled my savings :rotfl:
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,109 Forumite
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    Another parcel going today

    Some small pads today:
    £1.43 to mortgage
    £5.00 to savings
    £5.00 to savings
    £0.57 to joint od.

    I desperately need to buy some clothes, mine are increasingly threadbare and can't really be repaired any more. I can't bring myself to pay the prices though! I'm going to have to try and buy one or two items a month I think.
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,109 Forumite
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    Well I've splashed out :eek: I have some undies (paid by amazon vouchers), trousers, trainers and a top on order. Ebay sales and surveys will hopefully have covered most of them.
    "If you can dream it, you can do it". Walt Disney
  • retiredandskint
    retiredandskint Posts: 845 Forumite
    First Anniversary First Post Debt-free and Proud!
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    Well done on both accounts. It's great to see that you are keeping on top of your bills, making small overpayments and more importantly saving.


    :j:j to new clothes.
  • jwil
    jwil Posts: 19,109 Forumite
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    Another 11 items( 3 x parcels) going today :T

    Some small pads today:
    £1.43 to mortgage
    £5.00 to savings
    £5.00 to savings
    £3.00 to joint od.

    I have £5 from a survey site just arrived in my account too.

    So yesterdays purchases:
    Undies - £15 paid for in amazon vouchers
    Trousers - £23
    Top - £8
    Trainers - £23 (55% discount compared to website)

    So £54.

    I used £6 in paypal and have received £5 cash from a survey site today, knocking off £11. That means my essentially new outfit has so far cost me £43 in actual cash.
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,109 Forumite
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    retiredandskint wrote: »
    Well done on both accounts. It's great to see that you are keeping on top of your bills, making small overpayments and more importantly saving.


    :j:j to new clothes.

    Thanks retired, it's nice to finally feel like I'm getting on top of things and starting to make a small difference. This month is going to be an expensive one so I must get listing on ebay!

    Ebay is my friend for clothes! The top is second hand but the rest is new. I'm also watching several things, so if I have some sales, I might add to them.
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,109 Forumite
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    Task for this week is to try and sell some dvds to one of the online buying sites. I've got loads of mainstream films that I've seen, don't sell on ebay and can't be bothered to car boot as everyone will already have seen them! Hoping I can get a few pence for them, so will have a look and see what can be done. If not I'll send them off to charity.

    I've got some time off coming up and I want to get on with other things then, so the more space I can clear in the meantime, the better!
    "If you can dream it, you can do it". Walt Disney
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
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    Well done jwil...you're sounding very productive xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 5,975 Forumite
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    All sounding good jwil. well done on all the clothes bargains.
    Mortgage Jan 2023 9yrs 11mths £61,389 Mortgage overpayment £1867/£3600 Mortgage Jan 2022 11yrs 6mths £69.996 Mortgage overpayment £3132/£3600
  • jwil
    jwil Posts: 19,109 Forumite
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    Another 3 items going today :T

    Some small pads today:
    £1.44 to mortgage
    £5.00 to savings
    £5.00 to savings
    £1.63 to joint od.
    "If you can dream it, you can do it". Walt Disney
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