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  • FIRST POST
    • jwil
    • By jwil 27th Mar 17, 2:47 PM
    • 8,621Posts
    • 26,599Thanks
    jwil
    Onwards and downwards...
    • #1
    • 27th Mar 17, 2:47 PM
    Onwards and downwards... 27th Mar 17 at 2:47 PM
    Hey everyone

    Iíve decided itís time for a new diary. Iíve been plodding away for years, robbing Peter to pay Paul, desperately trying to keep on top of everything. Iím fed up with doing this, so at the end of last year I started a DMP with Stepchange. Having someone else do all the hard work takes so much pressure off, and I donít need to worry about it so much now. I wish Iíd done it sooner!

    There is also the ongoing saga of clearing the house which has been going on for years. We have cleared most of the stuff we inherited, but still have loads of our own stuff to clear, DH more so than me. Whilst this drives me crazy, it has been invaluable in providing us extra cash while I sell everything that isnít nailed down.

    For anyone new popping in (Hello! ) Do stick around. There is me, DH, little jwil (4) and little miss (1). We also have a dog and a cat. DH is doing temporary work at the moment whilst looking for a FT job. My job is very uncertain at the moment, so just clinging on with great hope! I thought it was ok for the next couple of years, but itís all change again now so who knows!

    I hope old friends and new will pop in now and again to say hello and give me a boot up the bum
    "If you can dream it, you can do it". Walt Disney
Page 36
    • ploppy57
    • By ploppy57 12th Jan 18, 11:18 AM
    • 723 Posts
    • 4,656 Thanks
    ploppy57
    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.
    DMP March '15 £57,549. Now £44,226. 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... £1000.
    Christmas '18 challenge... £22 /£300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • abba1772
    • By abba1772 12th Jan 18, 12:18 PM
    • 4,813 Posts
    • 16,700 Thanks
    abba1772
    That's quite a pile you've got rid of so far and it's only a 1/3 through the month........well done xx
    NEXT TARGET HALIFAX CC WAS July 17 £3572.57 NOW £983.26
    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 £4430.14
    • jwil
    • By jwil 13th Jan 18, 8:49 AM
    • 8,621 Posts
    • 26,599 Thanks
    jwil
    Todays pads:

    £1.91 to Mortgage
    £5.00 to debt savings
    £1.25 to joint od


    Debt savings - £19,320/£18,357 - £963 paid

    1 Parcel posted. Just going to do a few listings, then hoping to tackle paper today
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 13th Jan 18, 8:51 AM
    • 8,621 Posts
    • 26,599 Thanks
    jwil
    i can't believe the number of items already on your list!
    Originally posted by in need of direction
    We were determined to have a good go over Christmas, long may it continue

    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.
    Originally posted by ploppy57
    Hi ploppy thanks for popping in! Good luck with reading my waffle It's lovely to have visitors

    That's quite a pile you've got rid of so far and it's only a 1/3 through the month........well done xx
    Originally posted by abba1772
    Thanks abba, I want it all gone this year!
    "If you can dream it, you can do it". Walt Disney
    • 117pauline
    • By 117pauline 13th Jan 18, 9:07 AM
    • 653 Posts
    • 7,281 Thanks
    117pauline
    You will remember not to sell your other half, won't you?

    I treated myself to a bottle of £3 pretend Bailey's last week. Usually I would use any old glass but I chose to use a Crystal port glass, normally saved for visitors. I am determined to use my "for best" things regularly this year. I get real pleasure from using some things so I am going to use them more.

    Are you doing anything special for your birthday?

    Have a good weekend, take care honey
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • jwil
    • By jwil 14th Jan 18, 9:13 AM
    • 8,621 Posts
    • 26,599 Thanks
    jwil
    Todays pads:

    £1.91 to Mortgage
    £2.00 to debt savings
    £2.67 to joint od


    Debt savings - £19,320/£18,355 - £965 paid
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 14th Jan 18, 9:16 AM
    • 8,621 Posts
    • 26,599 Thanks
    jwil
    You will remember not to sell your other half, won't you?

    I treated myself to a bottle of £3 pretend Bailey's last week. Usually I would use any old glass but I chose to use a Crystal port glass, normally saved for visitors. I am determined to use my "for best" things regularly this year. I get real pleasure from using some things so I am going to use them more.

    Are you doing anything special for your birthday?

    Have a good weekend, take care honey
    Pauline
    Originally posted by 117pauline
    Haha sometimes I'm tempted

    That's brilliant about using 'best'. I'm doing that too. We have a load of nice mugs that we don't use, and were just using easter egg mugs instead. The 'nice' mugs were just dustcatchers and taking up space. So we got rid of the easter egg mugs and now use the nice ones instead.

    Life's too short to save things for best, we should use them and enjoy them! It's something I'm learning now.

    I've got no plans for my birthday, probably a meal and a day out.

    Have a good weekend too Pauline
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 14th Jan 18, 9:19 AM
    • 8,621 Posts
    • 26,599 Thanks
    jwil
    Well I did papers yesterday I've emptied the filing cabinet and got it down to 4 folders (I probably need one extra really). So I have also sold the filing cabinet, and hopefully that is being picked up today.

    2 other items sold yesterday so they are packed and ready to go.
    "If you can dream it, you can do it". Walt Disney
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Jan 18, 1:42 PM
    • 4,426 Posts
    • 30,684 Thanks
    HairyHandofDartmoor
    Haha sometimes I'm tempted

    That's brilliant about using 'best'. I'm doing that too. We have a load of nice mugs that we don't use, and were just using easter egg mugs instead. The 'nice' mugs were just dustcatchers and taking up space. So we got rid of the easter egg mugs and now use the nice ones instead.

    Life's too short to save things for best, we should use them and enjoy them! It's something I'm learning now.

    I've got no plans for my birthday, probably a meal and a day out.

    Have a good weekend too Pauline
    Originally posted by jwil
    It is a good idea NOT to save things for best. I use all my nice mugs as my tea tastes nicer out of them. I used to save clothes for best too and hardly wear them, but now I try to wear my nicest clothes more often .

    As you say life is too short not too .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Jan 18, 1:44 PM
    • 4,426 Posts
    • 30,684 Thanks
    HairyHandofDartmoor
    Well I did papers yesterday I've emptied the filing cabinet and got it down to 4 folders (I probably need one extra really). So I have also sold the filing cabinet, and hopefully that is being picked up today.

    2 other items sold yesterday so they are packed and ready to go.
    Originally posted by jwil
    I love that Jwil, de-clutter the papers and then de-clutter the entire filing cabinet . That will free up some floor space .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • jwil
    • By jwil 15th Jan 18, 6:35 AM
    • 8,621 Posts
    • 26,599 Thanks
    jwil
    Todays pads:

    £3.00 to Mortgage
    £5.00 to debt savings
    £4.14 to joint od


    Debt savings - £19,320/£18,350 - £970 paid

    13 parcels posted
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 15th Jan 18, 6:36 AM
    • 8,621 Posts
    • 26,599 Thanks
    jwil
    I love that Jwil, de-clutter the papers and then de-clutter the entire filing cabinet . That will free up some floor space .
    Originally posted by HairyHandofDartmoor
    Yes, and I also doubled my money on the filing cabinet as I bought it cheap at a car boot sale several years ago
    "If you can dream it, you can do it". Walt Disney
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 15th Jan 18, 8:57 PM
    • 4,426 Posts
    • 30,684 Thanks
    HairyHandofDartmoor
    Yes, and I also doubled my money on the filing cabinet as I bought it cheap at a car boot sale several years ago
    Originally posted by jwil
    Even better, triple win
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • jwil
    • By jwil 16th Jan 18, 8:03 AM
    • 8,621 Posts
    • 26,599 Thanks
    jwil
    Todays pads:

    £1.96 to Mortgage
    £3.00 to debt savings
    £3.54 to joint od


    Debt savings - £19,320/£18,347 - £973 paid

    5 parcels posted
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 17th Jan 18, 8:00 AM
    • 8,621 Posts
    • 26,599 Thanks
    jwil
    Todays pads:

    £1.95 to Mortgage
    £2.00 to debt savings
    £1.22 to joint od


    Debt savings - £19,320/£18,345 - £975 paid

    14 parcels posted
    "If you can dream it, you can do it". Walt Disney
    • Kitten868
    • By Kitten868 17th Jan 18, 11:38 AM
    • 906 Posts
    • 1,921 Thanks
    Kitten868
    Wow! You're a whirlwind. Well done on getting rid of the filing cabinet. A very thorough round up of that job - I always fail at the last hurdle and you saw it all the way through so well done you.
    Speaking of do you have any tips for donating to women's refuges
    Loan 1 £5900/£8000
    Loan 2 £3900/£5800
    Total £9800/£13800 29% PAID
    • jwil
    • By jwil 19th Jan 18, 7:51 AM
    • 8,621 Posts
    • 26,599 Thanks
    jwil
    Wow! You're a whirlwind. Well done on getting rid of the filing cabinet. A very thorough round up of that job - I always fail at the last hurdle and you saw it all the way through so well done you.
    Speaking of do you have any tips for donating to women's refuges
    Originally posted by Kitten868
    Thank you It's been planned for a long time, just got round to doing it.

    I've never donated to a refuge. I do know where the local one is, but that's through work and don't think they allow people to turn up or publicise the address for security reasons. I think the best thing to do would google them and phone them, then they'd be able to tell you where and how.

    We've got a couple of local charity shops that we have a pretty good relationship with, and we know what they accept, so they get most of our donations.
    "If you can dream it, you can do it". Walt Disney
    • brizzledfw
    • By brizzledfw 19th Jan 18, 7:56 AM
    • 7,275 Posts
    • 35,710 Thanks
    brizzledfw
    Hi jwil..enjoy your birthday! Glad you!!!8217;re good and as ever always achieving loads....(how do you manage it,, )

    Have a great weekend x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    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
    • jwil
    • By jwil 19th Jan 18, 7:59 AM
    • 8,621 Posts
    • 26,599 Thanks
    jwil
    Todays pads:

    £1.92 to Mortgage
    £1.00 to debt savings
    £1.27 to joint od


    Debt savings - £19,320/£18,344 - £976 paid
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 19th Jan 18, 8:01 AM
    • 8,621 Posts
    • 26,599 Thanks
    jwil
    Hi jwil..enjoy your birthday! Glad youíre good and as ever always achieving loads....(how do you manage it,, )

    Have a great weekend x
    Originally posted by brizzledfw
    Welcome back Brizzle It's still a month or so to my Birthday but thank you
    "If you can dream it, you can do it". Walt Disney
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