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  • jwil
    jwil Posts: 19,100 Forumite
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    End of month summary:

    Total debt:

    1. [STRIKE]£2,301.00[/STRIKE]/ £2,286.00
    2. [STRIKE]£8,388.00[/STRIKE]/ £8,335.00
    3. [STRIKE]£6,892.00[/STRIKE]/ £0.00 :j :j :j
    4. [STRIKE]£4,022.00[/STRIKE]/ £3,998.00
    5. [STRIKE]£2,380.00[/STRIKE]/£1,898.00
    6. [STRIKE]£4,586.00[/STRIKE]/£4,566.00
    7. [STRIKE]£4,813.00[/STRIKE]/£4,786.00
    8. [STRIKE]£1,175.00[/STRIKE]/£0.00 :j :j :j

    [STRIKE]£34,557[/STRIKE]/£25,869 = 25.14% paid
    Debt savings target: [STRIKE]£19,320[/STRIKE]/£670 = 3.47% reached

    Emergency savings: £3000

    DFD - [STRIKE]December 2087[/STRIKE] August 2071 :eek:

    Slowly but surely...
    "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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    hey, not so slowly. also remember that you were previously adding to debt so major financial changes
    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.
  • AdventureWanted
    AdventureWanted Posts: 1,474 Forumite
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    You’re doing really well Jwil. Your decluttering skills are amazing. I really must try harder on that front, especially before the DC get more toys for Christmas.
    LBM Aug 2017.
    Debt at LBM - £30,055
    Debt at highest - £43,148.59
    Current debt - £18,880.00
    EF - £1,000.00

    Challenges
    PAYDBX 2021 - #29 Pd £2,355 / £8,000 PAYDBX 2020 - Pd £6,459.00 | PAYDBX 2019 - Pd £16,945.60 | PAYDBX 2018 - Pd £15,010.60.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
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    jwil wrote: »
    End of month summary:

    Total debt:

    1. [STRIKE]£2,301.00[/STRIKE]/ £2,286.00
    2. [STRIKE]£8,388.00[/STRIKE]/ £8,335.00
    3. [STRIKE]£6,892.00[/STRIKE]/ £0.00 :j :j :j
    4. [STRIKE]£4,022.00[/STRIKE]/ £3,998.00
    5. [STRIKE]£2,380.00[/STRIKE]/£1,898.00
    6. [STRIKE]£4,586.00[/STRIKE]/£4,566.00
    7. [STRIKE]£4,813.00[/STRIKE]/£4,786.00
    8. [STRIKE]£1,175.00[/STRIKE]/£0.00 :j :j :j

    [STRIKE]£34,557[/STRIKE]/£25,869 = 25.14% paid
    Debt savings target: [STRIKE]£19,320[/STRIKE]/£670 = 3.47% reached

    Emergency savings: £3000

    DFD - [STRIKE]December 2087[/STRIKE] August 2071 :eek:

    Slowly but surely...

    You're making great progress, two whole debts paid off and debt savings that are growing :T
    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: 19,100 Forumite
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    Todays pads:

    £3.25 to Mortgage
    £5.00 to debt savings
    £2.95 to joint od


    Debt savings - [STRIKE]£19,320[/STRIKE]/£18,645 - £675 paid :T
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,100 Forumite
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    in_need_of_direction wrote: »
    hey, not so slowly. also remember that you were previously adding to debt so major financial changes

    Thank you, yes you are right, that is one huge difference :D
    AdventureWanted wrote: »
    You’re doing really well Jwil. Your decluttering skills are amazing. I really must try harder on that front, especially before the DC get more toys for Christmas.

    I don't get as much out as I'd like :o but thank you! I must get round to the toys before Christmas!
    HairyHandofDartmoor wrote: »
    You're making great progress, two whole debts paid off and debt savings that are growing :T

    Thank you :) I'm quite pleased with the debt savings actually :)
    "If you can dream it, you can do it". Walt Disney
  • jwil
    jwil Posts: 19,100 Forumite
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    I didn't get too much done yesterday :o Will try and do some more over the weekend.

    Reach £5 on 1 survey site so I can cashout
    Clean kitchen
    Clean out fridge
    Clean out freezers and inventory
    Clean bathroom
    Vacuum
    Get up to date with admin and tidy desk
    [STRIKE]Sort and tidy packaging materials[/STRIKE]
    Put washing away
    Check Xmas gifts, see what I need to get
    Research Tumble driers
    Meal plan for next week
    Tackle and organise toy pile
    Christmas cards
    Write shopping list
    Box up DH's stuff in kids bedroom
    Get rid of highchair
    Get rid of baby walker
    Look for toy storage
    Open 2nd ebay account for DH
    Little miss' thank you cards
    [STRIKE]Pay birthday money into bank[/STRIKE]
    Wrap advent calendar books
    Sort out advent calendars
    Sort out and wrap Xmas gifts that need to be posted
    Camel outfit for little jwil's nativity
    Reply to birthday party invite
    Book after school club for December
    Look for charity to send ink cartridges to
    [STRIKE]Tidy porch[/STRIKE]
    Speak to builder
    Tidy kids' bedroom
    [STRIKE]Clear space for Xmas tree[/STRIKE]

    I did get a £5 amazon voucher from a survey site, but one that was cashed out before so can't tick that off.

    I also got a good tip from another thread - on ipsos, the points value of a virtual mastercard is lower than an amazon voucher. You can then use the mastercard to top up your amazon account so get the same value for fewer points. I tried it the other day and it works :T So I'll be using that one for that site and see if it's the same on any others.
    "If you can dream it, you can do it". Walt Disney
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 5,975 Forumite
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    Jwil, ipsos is the only site so far that I have found that pre paid cards are lower points than amaz0n or paypal. You would think if they are worth the same amount in money that they would all be the same in points to withdraw.

    Well done with getting so far with paying your debt off, I remember how hard it was to get anything done with 2 little ones, you do an amazing job.
    Mortgage Jan 2023 9yrs 11mths £61,389 Mortgage overpayment £1867/£3600 Mortgage Jan 2022 11yrs 6mths £69.996 Mortgage overpayment £3132/£3600
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
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    All looking good :D

    Have a lovely day x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • jwil
    jwil Posts: 19,100 Forumite
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    pennywisepoundstupid wrote: »
    Jwil, ipsos is the only site so far that I have found that pre paid cards are lower points than amaz0n or paypal. You would think if they are worth the same amount in money that they would all be the same in points to withdraw.

    Well done with getting so far with paying your debt off, I remember how hard it was to get anything done with 2 little ones, you do an amazing job.

    Ah thank you, saves me looking! :D I don't understand why they are worth fewer points, but I'm not going to complain!

    Thank you, it is hard to get stuff done.

    Hope all is well with you :)
    WannabeFree wrote: »
    All looking good :D

    Have a lovely day x

    Thank you, you too :D
    "If you can dream it, you can do it". Walt Disney
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