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  • FIRST POST
    • jwil
    • By jwil 23rd Aug 18, 3:29 PM
    • 10,775Posts
    • 39,036Thanks
    jwil
    New plan...time to see some movement!
    • #1
    • 23rd Aug 18, 3:29 PM
    New plan...time to see some movement! 23rd Aug 18 at 3:29 PM
    Hello!

    I've decided it's time for a new diary. I've been doing a lot of thinking recently and have come up with a new plan.

    My debt is all at 0% on my DMP and is just clearing, albeit very slowly at £1 a month. This will increase when little miss gets her free hours at nursery next year.

    Our mortgage is £118,511 and the only interest bearing debt, on a tracker rate so vulnerable to interest rate rises. I'm very happy with the rate though, and we can make unlimited overpayments, so for the time being, not looking to fix.

    I still need to pay back £2400 for my car.

    We need to start doing some of the work to the house that we've been putting off for years. So we need to get saving for that before it gets to a stage where we have no choice but to do the work as an emergency.

    My new plan therefore is that I am going to let the DMP run itself, focus on paying back the car, the mortgage and saving for the house work. I will be trying to build the emergency fund/F&F fund, so that if my creditors offer a settlement I will hopefully be able to take advantage.

    I hope that by changing my focus I will keep my motivation rather than getting fed up about not seeing any progress towards my debts. The mortgage will go down regardless of whether I manage to make overpayments, and hopefully the savings will increase!
    "If you can dream it, you can do it". Walt Disney
Page 54
    • retiredandskint
    • By retiredandskint 22nd May 19, 9:20 PM
    • 759 Posts
    • 4,616 Thanks
    retiredandskint
    I've only just caught up with your diary, so sorry to hear miss jwil has chicken pox, hope she's soon on the mend.

    I have good and bad days the evenings and nights are the worse. It's a couple of weeks away to what would have been his birthday. Easter was bad enough I keep being told the first of everything is the worst.
    • jwil
    • By jwil 23rd May 19, 9:42 AM
    • 10,775 Posts
    • 39,036 Thanks
    jwil
    Sorry to hear about the chicken pox. Hopefully you will be all finished with it soon and not have to get it again. Well done on selling so much and managing to sort the tax credits out all at the same time. I dont know how you do it.
    Originally posted by NeverendingDMP
    Thank you I don't achieve half as much as I'd like to!

    I've only just caught up with your diary, so sorry to hear miss jwil has chicken pox, hope she's soon on the mend.

    I have good and bad days the evenings and nights are the worse. It's a couple of weeks away to what would have been his birthday. Easter was bad enough I keep being told the first of everything is the worst.
    Originally posted by retiredandskint
    Lovely to hear from you

    All of the 'firsts' will definitely be tough. Are you going to do anything on Mr retired's birthday? Do PM if you want a vent, I still think of you often and hope you are ok, even if I am bad at checking in x
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 23rd May 19, 9:44 AM
    • 10,775 Posts
    • 39,036 Thanks
    jwil
    I sold an item that had been hanging around for a while yesterday It was one of those things that I wasn't sure if it would sell, so pleased it's gone. Only a small amount, but it doesn't matter.
    "If you can dream it, you can do it". Walt Disney
    • teapot2
    • By teapot2 23rd May 19, 10:36 AM
    • 2,287 Posts
    • 9,460 Thanks
    teapot2
    Well done on the sale I'm often surprised at the things that do sell even if it takes ages for them to go.
    • brizzlegirl
    • By brizzlegirl 23rd May 19, 12:32 PM
    • 763 Posts
    • 5,176 Thanks
    brizzlegirl
    Just catching up. Sorry re the illness in the family but well done on the sales.

    Enjoy the sun
    MFW..aiming to pay it off in 2022.. 2019 Savings Rate - Goal 40% 37% May 25% April 54% March ] 2019 Income Goal £301/£750 July Goals: AFDs 4/25 Decluttering 20/80; LSDs xx/10; NSDs xx/05 Exercise in July RT 4k 04/15 12k steps per day pls Aiming to be a true Frugalista!
    • WannabeFree
    • By WannabeFree 23rd May 19, 3:10 PM
    • 3,832 Posts
    • 37,714 Thanks
    WannabeFree
    Just catching up.

    You're doing amazing.

    Hope little miss is feeling better. I hate chicken pox and I dread this time of year at school when there seems so much of them around.

    Hope you're doing okay too

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
    • jwil
    • By jwil 24th May 19, 7:03 AM
    • 10,775 Posts
    • 39,036 Thanks
    jwil
    Well done on the sale I'm often surprised at the things that do sell even if it takes ages for them to go.
    Originally posted by teapot2
    Thank you. Yes, I'm amazed at some things that sell.

    Just catching up. Sorry re the illness in the family but well done on the sales.

    Enjoy the sun
    Originally posted by brizzlegirl
    Thank you. I'm loving the sun

    Just catching up.

    You're doing amazing.

    Hope little miss is feeling better. I hate chicken pox and I dread this time of year at school when there seems so much of them around.

    Hope you're doing okay too

    x
    Originally posted by WannabeFree
    Me too. I'm so glad she's had it now, hopefully that's it (although little jwil had it twice!)

    I'm doing ok now thank you. These meds seem to be working for me. How are you getting on?
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 24th May 19, 7:04 AM
    • 10,775 Posts
    • 39,036 Thanks
    jwil
    3lb off last night

    I'm so pleased with that, I was worried as I struggle more with picking at home. I obviously managed it well. It's been much better than I thought working at home this week, little miss has been good as gold and pottered around quite happily.
    "If you can dream it, you can do it". Walt Disney
    • in need of direction
    • By in need of direction 24th May 19, 7:13 AM
    • 5,873 Posts
    • 36,368 Thanks
    in need of direction
    Great progress on all fronts. Well done
    Mortgage at 01.01.14 £119,481.83 today £67373.01 target £65,000 by 05/04/19 Offset fund today £716.16 target £5,500 by 05/04/19
    Emergency fund £5,500/5.5k & £200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 5lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • pennywisepoundstupid
    • By pennywisepoundstupid 24th May 19, 7:33 AM
    • 5,122 Posts
    • 18,816 Thanks
    pennywisepoundstupid
    All sounding good Jwil, have a great weekend xx
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    • jwil
    • By jwil 24th May 19, 1:34 PM
    • 10,775 Posts
    • 39,036 Thanks
    jwil
    Great progress on all fronts. Well done
    Originally posted by in need of direction
    Thank you

    All sounding good Jwil, have a great weekend xx
    Originally posted by pennywisepoundstupid
    Thank you, you too
    "If you can dream it, you can do it". Walt Disney
    • Purplemumof2
    • By Purplemumof2 24th May 19, 2:13 PM
    • 7,227 Posts
    • 27,854 Thanks
    Purplemumof2
    Glad little one is feeling better.

    Well done on the weight loss too.

    Have a great weekend xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £4650.00 Lloyds: £8700.00 BC: £300.00 Cap One: GONE
    July LTW 3/22 ~ July NSD 2/10
    PAYDBX 2019 #041 PD £3474.49/£5604.30
    Savings for Christmas £300.52/£500 ~ EF £55/£500
    20p Savers 2019 £2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • abba1772
    • By abba1772 24th May 19, 2:43 PM
    • 6,044 Posts
    • 24,274 Thanks
    abba1772
    Woo hoo go you with the weight loss xx
    NEXT TARGET ARGOS WAS July 19 £92.98 NOW £70.43
    POAMAYC 2011 £6382.66 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90
    POAMAYC 2017 £7278.80 POAMAYC 2018 £13039.59
    POAMAYC 2019 £6652.44
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 24th May 19, 4:30 PM
    • 9,988 Posts
    • 79,311 Thanks
    HairyHandofDartmoor
    Well done on the weight loss .

    Hopefully Little Miss won't catch it again. I thought they could catch it again if they only had a mild case of it, but were unlikely to if they caught it badly, but I could be wrong.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = £4,005/£5,000. EMERGENCY FUND 2 = £2,005/£5,000.
    CHRISTMAS SAVINGS = £129.37/£500
    PREMIUM BONDS ME = £150. PREMIUM BONDS DH = £50
    • jwil
    • By jwil 24th May 19, 5:16 PM
    • 10,775 Posts
    • 39,036 Thanks
    jwil
    Glad little one is feeling better.

    Well done on the weight loss too.

    Have a great weekend xx
    Originally posted by Purplemumof2
    Thank you, you too

    Woo hoo go you with the weight loss xx
    Originally posted by abba1772
    Thank you

    Well done on the weight loss .

    Hopefully Little Miss won't catch it again. I thought they could catch it again if they only had a mild case of it, but were unlikely to if they caught it badly, but I could be wrong.
    Originally posted by HairyHandofDartmoor
    Thank you Little jwil had it normally the first time, then milder the second time. I didn't realise it was possible at the time!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 25th May 19, 7:47 AM
    • 10,775 Posts
    • 39,036 Thanks
    jwil
    I'm off for a week now

    It's a nice day again today so we are off to sell some stuff. We've got all the things that the kids cleared out the other week plus a friend of the family gave us loads of stuff which they said we could either keep for the kids or sell. We've kept a few things and will sell the rest. There's some lovely stuff, they've been very generous.

    I'm planning on spending the week generally cleaning and tidying rather than decluttering, though some decluttering will hopefully be done too. The house is looking so grubby, I want to start making it look better. A good clean will make a start on that.

    DH has got various plans of things he wants to get done around the house, so the house fund will probably start getting dipped into soon. Must focus on getting that finished. I'm hoping he'll continue more with the decluttering, so I'll keep nagging

    No real plans for next week, might do a boot sale on Monday, visiting a friend on Thursday. Little jwil is booked into a holiday club on Friday at a trampoline place to test it out, as they are also offering a week in the Summer holidays. If he likes it I'll book him in for the week as well.

    Payday next week It's been a long month, but so worth it to clear that debt
    "If you can dream it, you can do it". Walt Disney
    • teapot2
    • By teapot2 25th May 19, 8:16 AM
    • 2,287 Posts
    • 9,460 Thanks
    teapot2
    Good luck with the selling, have a good week off, that was lovely of your friend
    • jwil
    • By jwil 25th May 19, 8:18 AM
    • 10,775 Posts
    • 39,036 Thanks
    jwil
    Good luck with the selling, have a good week off, that was lovely of your friend
    Originally posted by teapot2
    Thank you Yes, it was lovely. It's decent stuff, including a trampoline!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 25th May 19, 8:35 AM
    • 10,775 Posts
    • 39,036 Thanks
    jwil
    Here is my epic cleaning list. Let's see how I get on

    Kitchen
    Declutter and clean worktop
    Declutter, clean and organise food cupboards
    Declutter, clean and organise pan cupboard
    Declutter, clean and organise cutlery drawer and pots
    Undersink cupboard
    Clean cupboard doors
    Clean window
    Clean back door
    Wash down walls
    Clean out fridge
    Clean out washing machine
    Clean cooker
    Clean microwave, kettle etc
    Sweep and clean floors

    Living room
    Tidy
    Clean sofas
    Dust
    De-cobweb
    Wash window
    Vacuum floor

    Hall and landing
    Sort out shoes and coats
    Wipe down windows
    Wipe down front door
    Wash down stairs and banister
    Hoover
    Clean cat bowls and area around them

    Middle room/extension
    Clean windows and doors
    Hoover
    Tidy
    Dust
    De-cobweb

    Bathroom
    Clean
    Wash down walls
    Ceiling
    Airing cupboard
    Window
    Floor

    Bedroom
    Dust
    Put away clothing
    De-cobweb
    Clean windows
    Bleach and clean damp mark
    Vacuum

    Kids bedroom
    Put away clothing
    Tidy
    De-cobweb
    Clean windows
    Vacuum.

    I think I need a lie down
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 25th May 19, 8:38 AM
    • 10,775 Posts
    • 39,036 Thanks
    jwil
    Went to dig out some hayfever tablets and have made a start by decluttering the first aid/medicine box. Several out of date medicines/creams etc to go.
    "If you can dream it, you can do it". Walt Disney
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