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  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    jwil wrote: »
    Feeling a bit low today. Went to see my friend who has terminal cancer and it's obviously progressing :(

    It's making me think. I don't want this debt hanging over me, I also don't want to waste my life by doing nothing other than focus on the debt.

    I want my debt cleared in 5 years. Then I should have a nice shiny new credit report to go with it as my defaults will all have dropped off by then. That's £350 a month. It's not going to happen this year as I don't have that spare. However, when my childcare bill goes down next year, it probably won't be that much but I'll have a bit more spare. If I can do F&F on one or two this year that will help.

    I'm going to work my a*se off to clear this house this year and hopefully gain some F&F funds.

    Sorry about your friend jwil, it makes you feel very sad and helpless :(.

    But you are right that it does make you realise life is precious. One of my sisters died of cancer three years ago and after a year of feeling depressed and hopeless, I now have incredible energy and motivation to achieve my goals. None of us know how much time we have so we need to make the most of every second.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    jwil wrote: »
    I'm being very spendy at the moment, but am spending to save. I've renewed our home insurance and switched - saving £60 :T :T (also getting £30 cashback but I don't count that until I get it). I've also paid upfront for the first time in years, saving a few ££ that way as well.

    I've just paid upfront for BT line rental as well, which will save a bit of cash over the year too.

    Both of those have come out of my emergency savings, so I must put that back asap.

    I went into town yesterday to get my new glasses, and bought a jumper and two tops. All badly needed as I don't buy clothes very often and tend to wear them until they are threadbare.

    I've also bought two glass reusable drinking bottles for work. One for my water bottle, and one for taking orange juice. I'm trying to reduce the amount of disposable packaging I use and it should also save me money compared to buying the little bottles as I can fill from a bigger carton instead. I've bought a breakfast bowl which has separate compartments for my yoghurt and cereal, meaning I can buy a big bucket of yoghurt rather than the individual pots.

    I did use a gift voucher towards one of the bottles, and the payback should be relatively short for the others, so I'm happy with that :)

    Apart from that I had a good wander around the shops and didn't feel tempted to buy anything so behaved myself.

    I've got a few things selling on ebay this weekend, so hoping to start putting all the money back now. Hoping to have a few quiet weeks so I can build up the savings again. Although January/February are our busiest months birthday-wise (including my 40th :eek: ) so there will be some spends needed.

    Those spends sound very sensible jwil. Sometimes you have to spend money to save money :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • jwil
    jwil Posts: 19,120 Forumite
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    HairyHandofDartmoor wrote: »
    Those spends sound very sensible jwil. Sometimes you have to spend money to save money :).

    Thank you :) Yes, I just need to be disciplined now!
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,120 Forumite
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    Todays pads:

    £1.87 to Mortgage
    £3.00 to debt savings
    £2.41 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,370 - £950 paid :T
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,120 Forumite
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    It would be nice to get to £1k on the debt savings this month, and also there's only £150 to go on the joint od. It would be lovely to clear that this month as well. I would then just send the odd bits to savings.

    I'll have to get focussed and put some stuff on ebay!

    DH has sold loads this weekend, so quite a bit of bulk has gone :T :T
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,120 Forumite
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    Todays pads:

    £1.95 to Mortgage
    £3.00 to debt savings
    £1.65 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,367 - £953 paid :T

    Another 4 parcels gone today. We've cleared out some stuff that's been on for ages which is nice. However, there are lots of non payers about at the moment which is really irritating :mad:
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,120 Forumite
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    Decluttering 2018:

    1. Wooden tray
    2. string
    3. Kilner jar
    4. Fruit bowl
    5-6. Serving dishes
    7-11. Mugs
    12-15. Jugs
    16. Storage jar
    17. Teapot
    18-21. Pyrex dishes
    22-25. small dishes
    26-36. Small plates
    37-62. Saucers
    63. Ornamental rabbit
    64. Christmas cards
    65-78. Plant pots
    79. Fertiliser
    80-81. Road atlases
    82. Chipped pot
    83. Plastic bowl
    84. Rucksack
    85. Wellies
    86-91. Dressing up costumes
    92. Handheld vacuum
    93. Thermos
    94. Toy Rocket
    95-99. Toy watches
    100. Rucksack
    101. Toy F1 Car
    102-105. Shoe boxes
    106. Wooden box
    107-111. Out of date creams
    112-113. Out of date yeast
    114-118. Food colourings
    119. Icing
    120. Cake cases
    121. Coffee
    122. Tea bags
    123. Bread packet mix
    124. Bicarb



    Decluttering 2018:
    Books: 0
    Magazines/papers: 7
    Ebay parcels: 53
    Other: 0

    Total: 184

    Ebay listings: 31

    Survey/other earnings:
    Amazon: £5
    Paypal/cash: £0
    Other vouchers:£0
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,120 Forumite
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    Todays pads:

    £1.96 to Mortgage
    £5.00 to debt savings
    £1.04 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,362 - £958 paid :T

    2 more parcels posted. £3 paypal from a survey site :)
    "If you can dream it, you can do it". Walt Disney
  • in_need_of_direction
    in_need_of_direction Posts: 7,282 Forumite
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    i can't believe the number of items already on your list!
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st11lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 40.25% through my pb challenge.
  • System
    System Posts: 178,094 Community Admin
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    Just come across your diary and started reading through it. You are doing so well. I admire your determination. I will follow with interest now. Keep up the good work.
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