Onwards and downwards...

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  • jwil
    jwil Posts: 19,090 Forumite
    First Anniversary Name Dropper Photogenic First Post
    One of my debts has offered a F&F discount. It's around £2k off so not bad, but it would pretty much wipe out my savings, so I'm going to turn it down and hope I get something next year. It's a shame, but it's nice to have that safety blanket and I don't want to lose it. :(
    "If you can dream it, you can do it". Walt Disney
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Name Dropper Photogenic First Anniversary First Post
    A hard decision, but as you say maybe you can do better. Ring them up and make them a lower offer? You never know they may say yes.
    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: 19,090 Forumite
    First Anniversary Name Dropper Photogenic First Post
    HairyHandofDartmoor wrote: »
    A hard decision, but as you say maybe you can do better. Ring them up and make them a lower offer? You never know they may say yes.
    I might do that, they were one I offered to before and turned down. I think it's also my unenforceable one, must check before I do anything.
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,090 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Todays pads:

    £1.98 to Mortgage
    £6.00 to debt savings
    £1.10 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,594 - £726 paid :T

    1 parcel posted.

    Our ebay listings will stop after this weekend for a week or so. I'll start relisting again to end once it's too late to post for Christmas.

    It will be nice to have a little break from parcels, but I'd better get on with prepping some new stuff!
    "If you can dream it, you can do it". Walt Disney
  • tattycath
    tattycath Posts: 7,175 Forumite
    First Anniversary First Post
    Well done jwil, you're doing really well lovely. Xxx
    GE 36 *MFD may 2043
    MFIT-T5 #60 £136,850.30
    Mortgage overpayments 2019 - £285.96
    2020 Jan-£40-feb-£18.28.march-£25
    Christmas savings card 2020 £20/£100
    Emergency savings £100/£500
    12/3/17 175lb - 06/11/2019 152lb
  • dawnybabes
    dawnybabes Posts: 2,565 Forumite
    Name Dropper First Anniversary First Post
    Did you hear from the PPI people ?
    Sealed pot challenge 822

    Jan - £176.66 :j
  • jwil
    jwil Posts: 19,090 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Todays pads:

    £1.98 to Mortgage
    £6.00 to debt savings
    £1.22 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,588 - £732 paid :T
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,090 Forumite
    First Anniversary Name Dropper Photogenic First Post
    tattycath wrote: »
    Well done jwil, you're doing really well lovely. Xxx

    Thank you tattycath, how is everything going with you? xx
    dawnybabes wrote: »
    Did you hear from the PPI people ?

    No :mad: I'm going to dig out the letter and get in touch. It's definitely over the 4 weeks now. I reckon they've just put it against the account. I can't really complain, but I'm still a bit miffed :(
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,090 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Completed so far:

    Kitchen
    [STRIKE]Clean[/STRIKE]
    Clean oven
    [STRIKE]Sort out fridge[/STRIKE]
    [STRIKE]Clean, sort out and inventory freezers[/STRIKE]
    [STRIKE]Floor[/STRIKE]

    Bathroom
    [STRIKE]Clean[/STRIKE]
    Floor
    [STRIKE]Wash towels and mats[/STRIKE]

    Downstairs
    [STRIKE]Hoover[/STRIKE]
    Tackle and organise toy pile
    [STRIKE]Tidy desk[/STRIKE]
    Sort and tidy packaging materials
    Get rid of highchair
    Get rid of baby walker
    Clean sofas

    Upstairs
    [STRIKE]Hoover[/STRIKE]
    [STRIKE]Tidy kids bedroom[/STRIKE]
    [STRIKE]Tidy our bedroom[/STRIKE]
    [STRIKE]Put washing away[/STRIKE]
    [STRIKE]Strip and remake beds[/STRIKE]
    [STRIKE]Dust/clean[/STRIKE]
    [STRIKE]Box up DH's stuff in kids bedroom[/STRIKE]

    Hallway/Landing/Porch
    [STRIKE]Hoover[/STRIKE]
    [STRIKE]Wash down stairs[/STRIKE]
    [STRIKE]Clean paintwork/windowsills[/STRIKE]
    Sort and tidy unit

    Other
    Reach £5 on 1 survey site so I can cashout
    [STRIKE]Check Xmas gifts, see what I need to get[/STRIKE]
    Research Tumble driers
    [STRIKE]Meal plan for next week[/STRIKE]
    [STRIKE]Finish and post Christmas cards[/STRIKE]
    [STRIKE]Write shopping list[/STRIKE]
    Get kids to make Christmas cards
    [STRIKE]Finish buying, wrapping and post those that are needed[/STRIKE]
    Look for toy storage
    Open 2nd ebay account for DH
    Wrap advent calendar books
    Put up Christmas decorations
    Get up to date with admin and filing
    Wrap kids presents
    Book eye test
    Book dentist

    Making some progress!
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,090 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Todays pads:

    £1.98 to Mortgage
    £8.00 to debt savings
    £2.35 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,580 - £740 paid :T
    "If you can dream it, you can do it". Walt Disney
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