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  • FIRST POST
    • jwil
    • By jwil 27th Mar 17, 2:47 PM
    • 8,401Posts
    • 25,478Thanks
    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 39
    • redofromstart
    • By redofromstart 31st Jan 18, 5:27 PM
    • 1,593 Posts
    • 9,467 Thanks
    redofromstart
    Sorry your old diary was lost, but good luck with the new one.

    ETA: Re the lost lists, try contacting a mod, they may be able to copy it and send it to you. otherwise try google cache. I don't know how to do it but understand it is possible.
    • jwil
    • By jwil 31st Jan 18, 5:28 PM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    Anyway, here are the current financials:

    1. £2301/£2282
    2. £8388/£8332
    3. £4022/£3995
    4. £2380/£1895
    5. £4813/£4782
    6. £4586/£0
    7. £1175/£0
    8. £6892/£0

    Total: £34,557/£21,286 = 38.39% paid

    Emergency savings: £1,300


    Debt savings: £19,320/£18,308 - £1012 reached, 5.24%


    DFD - December 2087 April 2062
    Last edited by jwil; 01-02-2018 at 7:57 AM.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 31st Jan 18, 5:29 PM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    My emergency savings have been depleted recently as Iíve been spending on annual bills (to save money on monthly DDs) and also Iíve got a few things sorted for the house that Iíve wanted to do. I want to get these back up to £2,000 as a priority.

    My debt savings are savings Iím making towards F&F offers on the rest of my debts. My SOA is very tight (mainly due to childcare costs) and Iím making token payments to my debts. Any extra money from surveys/decluttering goes towards the savings. Early next year little miss should get her Ďfreeí nursery hours so Iíll have extra money to clear the debts with.

    I need a Ďnewí car as mine (17 years old) is now starting to get to the stage where itís always got something wrong and itís becoming unreliable and a money pit. I want to save £3,000 towards a new car as I need something fairly reliable for work.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 31st Jan 18, 5:32 PM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    Sorry your old diary was lost, but good luck with the new one.

    ETA: Re the lost lists, try contacting a mod, they may be able to copy it and send it to you. otherwise try google cache. I don't know how to do it but understand it is possible.
    Originally posted by redofromstart
    Thank you . Someone has told me how to try and get it back on Google cache as I could only see the last few posts before, so I'm going to give that a go.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 31st Jan 18, 5:47 PM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    Payday today

    Today's PADs:

    £2.95 to mortgage
    £28.00 to debt savings
    £120 to joint od which is now cleared (and in credit by about £3 which should cover any interest due)

    3 parcels posted today
    I also received £20 from a survey site
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 1st Feb 18, 7:49 AM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    Todays pads:

    £1.89 to Mortgage
    £5.00 to debt savings
    £1.97 to em savings


    Debt savings - £19,320/£18,275 - £1045 paid
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 1st Feb 18, 8:10 AM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    Trying to recover stuff using Google cache. It doesn't seem to be showing all posts on each page I've managed to find my decluttering total so far for this year though from 20th Jan:

    Decluttering 2018:

    125. Paperwork
    126. Motorbike gloves
    127. Underwear
    128. Filing cabinet
    129 - 136. Sellotape (non sticky)
    137. Trousers
    138-139. Cooking trays

    Decluttering 2018:
    Books: 24
    Magazines/papers: 7
    Ebay parcels: 103
    Other: 0

    Total: 273


    Ebay listings: 98

    Survey/other earnings:
    Amazon: £5
    Paypal/cash: £18.42
    Other vouchers:£0
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 1st Feb 18, 8:20 AM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    Found this:

    ď
    My end of year summary:

    When I started this diary in March, my debt total was £34,229. A couple of complaints later and a little luck with a large debt write-off of almost £7k, my debt total is now £21,296 meaning I have reduced my debt by £12,933 this year

    I have also decluttered over 3000 items from my house, which although still a clutter fest, is finally starting to look better.

    I managed to earn over £500 from surveys and cashback etc this year.

    This time last year my maternity leave was about to come to an end and DH was out of work. He is back in permanent employment and our finances are looking better. I had just started my DMP and had no savings. Now I have an emergency fund.

    What a huge turnaround this has been
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 1st Feb 18, 8:26 AM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    Oh there seems to be a massive gap in posts, I can't find my declutter totals from 2017
    "If you can dream it, you can do it". Walt Disney
    • Mumoffourkids
    • By Mumoffourkids 1st Feb 18, 9:07 AM
    • 592 Posts
    • 2,863 Thanks
    Mumoffourkids
    Oh no what a shame you can't find your 2017 declutter totals. I wish I had found your earlier diary as you seem to have had the same sort of luck with regards to debts that I have had. So it would have been nice to read someone else's experiences.

    I have had just over £7100 of my debt total not written off but the bank has made a commercial decision not to chase it anymore. Therefore I can make voluntary payments if I wish to but in theory I just have to wait the six years until this debt drops off my record. In addition another one of my debts for just under £5000 seems to have disappeared. It no longer shows on any of the three credit agencies, I have had no reply to a letter to them asking them to confirm the balance owed and I haven't been chased about this debt for ages. I am therefore putting it to one side and will forget about it unless I hear anything.

    In addition I had a large £1811 payout of Plevin PPI payment which came off my largest debt. I have submitted a few more claims now and am just waiting to hear but they will nowhere near be as big as that one.

    I am subscribing and hopefully I can match your declutter totals as well as I have far too much stuff in my house!!
    Total debt Dec 2017 £23090.83
    Mar 2018 £6247.86 72.94% paid
    Emergency fund £472.50/£600
    Total Savings £1704.02
    • jwil
    • By jwil 1st Feb 18, 9:55 AM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    Oh no what a shame you can't find your 2017 declutter totals. I wish I had found your earlier diary as you seem to have had the same sort of luck with regards to debts that I have had. So it would have been nice to read someone else's experiences.

    I have had just over £7100 of my debt total not written off but the bank has made a commercial decision not to chase it anymore. Therefore I can make voluntary payments if I wish to but in theory I just have to wait the six years until this debt drops off my record. In addition another one of my debts for just under £5000 seems to have disappeared. It no longer shows on any of the three credit agencies, I have had no reply to a letter to them asking them to confirm the balance owed and I haven't been chased about this debt for ages. I am therefore putting it to one side and will forget about it unless I hear anything.

    In addition I had a large £1811 payout of Plevin PPI payment which came off my largest debt. I have submitted a few more claims now and am just waiting to hear but they will nowhere near be as big as that one.

    I am subscribing and hopefully I can match your declutter totals as well as I have far too much stuff in my house!!
    Originally posted by Mumoffourkids
    Thanks for popping in Mumoffourkids I'm really frustrated about everything I've lost, I know everyone who lost their diary is as well

    I was so amazed when they wrote off my debt. It was went I went self managed, and I sent of my I&E to all of my creditors. It (truthfully) shows that there is no spare cash at the moment and so they apparently made the decision that they didn't want the £1 a month I was offering and they'd just write it off.

    That's brilliant news that your bank is not chasing the debt, and fingers crossed the second one stays gone as well Good luck on the ppi claims, every little helps

    Good luck with the decluttering. It has been the bane of my life for years now, but equally has given me some much needed funds to keep going so it's a double edged sword. We can see a difference in the house now, but there's a long way to go.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 1st Feb 18, 10:02 AM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    Ooh, found my SOA from August 2017. It will need updating now, but I'll do that when we start getting the new Council Tax and water bills.

    Statement of Affairs and Personal Balance Sheet

    Household Information
    Number of adults in household........... 2
    Number of children in household......... 2
    Number of cars owned.................... 2

    Monthly Income Details
    Monthly income after tax................ 1770
    Partners monthly income after tax....... 400
    Benefits................................ 137
    Other income............................ 0
    Total monthly income.................... 2307

    Monthly Expense Details
    Mortgage................................ 651
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 138
    Electricity............................. 45
    Gas..................................... 39
    Oil..................................... 0
    Water rates............................. 83
    Telephone (land line)................... 30
    Mobile phone............................ 5
    TV Licence.............................. 13
    Satellite/Cable TV...................... 10
    Internet Services....................... 20
    Groceries etc. ......................... 160
    Clothing................................ 10
    Petrol/diesel........................... 50
    Road tax................................ 12
    Car Insurance........................... 22
    Car maintenance (including MOT)......... 20
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 853
    Other child related expenses............ 10
    Medical (prescriptions, dentist etc).... 2
    Pet insurance/vet bills................. 10
    Buildings insurance..................... 8
    Contents insurance...................... 8
    Life assurance ......................... 19
    Other insurance......................... 0
    Presents (birthday, christmas etc)...... 40
    Haircuts................................ 0
    Entertainment........................... 10
    Holiday................................. 10
    Emergency fund.......................... 20
    Total monthly expenses.................. 2298


    Assets
    Cash.................................... 1000
    House value (Gross)..................... 200000
    Shares and bonds........................ 0
    Car(s).................................. 500
    Other assets............................ 0
    Total Assets............................ 201500


    Secured & HP Debts
    Description....................Debt......Monthly.. .APR
    Mortgage...................... 124000...(651)......2.24
    Total secured & HP debts...... 124000....-.........-

    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    1..............................2289......1........ .0
    2..............................8339......1........ .0
    3..............................6879......1........ .0
    8..............................597.......1........ .0
    7..............................4790......1........ .0
    6..............................4569......1........ .0
    5..............................2359......1........ .0
    4..............................4011......1........ .0
    Total unsecured debts..........33833.....8.........-


    Monthly Budget Summary
    Total monthly income.................... 2,307
    Expenses (including HP & secured debts). 2,298
    Available for debt repayments........... 9
    Monthly UNsecured debt repayments....... 8
    Amount left after debt repayments....... 1

    Personal Balance Sheet Summary
    Total assets (things you own)........... 201,500
    Total HP & Secured debt................. -124,000
    Total Unsecured debt.................... -33,833
    Net Assets.............................. 43,667

    Created using the SOA calculator at www.stoozing.com.
    Reproduced on Moneysavingexpert with permission, using other browser.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 1st Feb 18, 10:11 AM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    Sorry about all the posts I'm trying to recover what I can from my old diary.

    I've found this from in December, it's not the final total as I got to 3000 but it must be pretty close.

    Decluttering:

    459. 2 x sponges
    460. shoes
    461 - 532. Lego sets
    533. Recycling box
    534 2 x T-shirts
    535. 4 x soft toys
    536. 2 x soft toys

    Decluttering:
    Books: 546
    Magazines/papers: 100
    Ebay parcels: 1683
    Other: 536

    Total: 2865

    Ebay listings: 1825

    Survey/other earnings:
    Amazon: £246.56
    Paypal/cash: £291.00
    Other vouchers:£5.00
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 1st Feb 18, 2:28 PM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    I've copied as much as I can over from google cache. There seemed to be loads missing and pages unavailable, but at least I've got some back. It did seem to be all the big stuff that wasn't available typically!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 1st Feb 18, 4:05 PM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    For the first time in probably a couple of years, I don't have 100 free listings a day on my main eBay account It's probably because I haven't been selling as much recently. So much for getting back to it I do have it on my other account though so will be using that one instead.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 2nd Feb 18, 7:48 AM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    Todays pads:

    £1.93 to Mortgage
    £3.00 to debt savings
    £1.55 to em savings


    Debt savings - £19,320/£18,272 - £1048 paid

    1 parcel posted today.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 2nd Feb 18, 7:50 AM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    I opened up a LISA yesterday. I thought I'd get one before I lose the opportunity. Just a cash one as I can't commit to regular savings at the moment. I've transferred £20 over this morning as well as the £1 to open it yesterday.

    It's been on my 'to do' list for ever so glad I've finally sorted it
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 3rd Feb 18, 8:21 AM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    Todays pads:

    £1.93 to Mortgage
    £2.00 to debt savings
    £3.53 to em savings


    Debt savings - £19,320/£18,270 - £1050 paid
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 3rd Feb 18, 8:24 AM
    • 8,401 Posts
    • 25,478 Thanks
    jwil
    The 100 listings a day has appeared in my eBay account after all

    I've got to take little jwil to a birthday party this morning, but will try and have a good tidy up this weekend and hopefully get some stuff listed.

    We were hoping to do a car boot this weekend but it's looking too cold and wet
    "If you can dream it, you can do it". Walt Disney
    • savingholmes
    • By savingholmes 3rd Feb 18, 9:26 AM
    • 8,954 Posts
    • 16,994 Thanks
    savingholmes
    Hi JWIL - just been reading your diary. Congrats on the progress. Are you a power seller on ebay then? I need to get started on ebay to sell but seem to have a mental block to doing it. I need to reset up my paypal account too.
    Today is a new day £93/310 £10 a day Mar Challenge DFD August 2021
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