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  • FIRST POST
    • jwil
    • By jwil 27th Mar 17, 2:47 PM
    • 8,504Posts
    • 26,015Thanks
    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 47
    • Mumoffourkids
    • By Mumoffourkids 14th Mar 18, 4:37 PM
    • 615 Posts
    • 2,959 Thanks
    Mumoffourkids
    That is good news that no further action is being taken. What a weight off your mind. And good that you are back on the ebay listing. I need to do some more. I have a list of what to sell next but really can't be bothered to do all the photographing, describing etc. But then I really want to clear out the house and make some money so I will have to have another listing day. Maybe this weekend because three of the kids are going to their dads this weekend.

    Keep going with the decluttering!
    Total debt Dec 2017 £23090.83
    Ma7 2018 £4621.78 79.98% paid
    Emergency fund £100/£600
    Total Savings £1258.62
    • jwil
    • By jwil 15th Mar 18, 10:08 AM
    • 8,504 Posts
    • 26,015 Thanks
    jwil
    That is good news that no further action is being taken. What a weight off your mind. And good that you are back on the ebay listing. I need to do some more. I have a list of what to sell next but really can't be bothered to do all the photographing, describing etc. But then I really want to clear out the house and make some money so I will have to have another listing day. Maybe this weekend because three of the kids are going to their dads this weekend.

    Keep going with the decluttering!
    Originally posted by Mumoffourkids
    Yes it's a massive relief!

    I don't do everything at once with the listing. I photo and make any notes on the description at one point, and then pack the items away. I then list whenever I get some time. It saves a lot of hassle and means the ebay stuff isn't always lying around for ages.

    Good luck this weekend, it sounds like a chance to get some done!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 15th Mar 18, 10:15 AM
    • 8,504 Posts
    • 26,015 Thanks
    jwil
    Right, revisiting last week's list with some more to add:

    Amazon pantry order
    Look for curtain rail for kids
    Pay in little jwil's birthday cheque
    Little jwil's thank you cards
    Catch up with ebay listings
    Clean kitchen
    Clean bathroom
    Change beds
    Change towels and bathmats
    Clean kids bedroom and reorganise books
    Get DH to build toy storage
    Open all doors and windows to let fresh air in
    Hang washing on line
    Vacuum downstairs
    Vacuum upstairs
    Tidy clothing
    Register with holiday club
    Book after school club
    Book school lunches
    Do eBay sales admin
    Sort out proof of postings
    Do financial admin
    Update declutter list and Feb's totals
    Check packaging levels
    Sort out new stuff to list
    Cash in PA
    Cash out £5 amazon on one site
    Cash out £5 amazon on second site
    Cash out TCB
    Catch up with surveys and check balances
    Get DH to put up curtain rail
    Wash down stairs and handrail
    Wipe all light switches and handles
    Do new SOA
    Clean and de-cobweb hallway and landing
    Clean sofas
    Nursery review
    Mortgage spreadsheet
    Check about switching energy
    2 x birthday gifts
    Last edited by jwil; 15-03-2018 at 11:07 AM.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 15th Mar 18, 10:18 AM
    • 8,504 Posts
    • 26,015 Thanks
    jwil
    I've put some bits back on as will do them again to try and keep on top of things!

    I've got sausage casserole in the slow cooker, it's making me hungry

    5 parcels posted today. It's parents evening this evening for little jwil as well.
    "If you can dream it, you can do it". Walt Disney
    • in need of direction
    • By in need of direction 15th Mar 18, 11:40 PM
    • 4,995 Posts
    • 28,758 Thanks
    in need of direction
    Is that where you go to a school to hear what a joy he is?
    Mortgage at 01.01.14 £119,481.83 today £75,897.72, target £65,000 by 31/12/18 Offset fund today £227.27 target £5,500 by 31/12/18
    Emergency fund £0.7/5.5k & £200/200 cash.
    Current weight loss RUBBISH need to refocus
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Kitten868
    • By Kitten868 16th Mar 18, 12:50 PM
    • 897 Posts
    • 1,881 Thanks
    Kitten868
    You are right to wait it out. I'm just too impatient.
    So glad the police are dropping the case. Wish they were persuing the other person for wasting police time.
    The lurgy will clear - lurgy season is September to March. The end is in sight.
    Xxx
    Loan 1 £5900/£8000
    Loan 2 £3900/£5800
    Total £9800/£13800 29% PAID
    • jwil
    • By jwil 16th Mar 18, 7:08 PM
    • 8,504 Posts
    • 26,015 Thanks
    jwil
    Is that where you go to a school to hear what a joy he is?
    Originally posted by in need of direction
    Yes, and it was very positive so it was nice to hear how he was getting on, and see his workbooks. He's doing really well with his maths (does not get that from me!!) but is a little behind with his writing, so we need to do some work on that.

    You are right to wait it out. I'm just too impatient.
    So glad the police are dropping the case. Wish they were persuing the other person for wasting police time.
    The lurgy will clear - lurgy season is September to March. The end is in sight.
    Xxx
    Originally posted by Kitten868
    Haha, I was so happy to wait it out until you put the idea in my head again I've been thinking about which one I might target. I am going to hold out though until I can get a bit more cash together. I need to learn to be patient!

    I am glad they are dropping the case too. I wish they had as well. I went back to the place it happened yesterday, and the staff who know us had seen the CCTV as it's been requested by our insurance co. They said straight out without me even saying a thing that it was not our fault so hopefully the insurance co will agree too and the other party will end up with a hefty insurance bill!
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 17th Mar 18, 8:31 AM
    • 8,504 Posts
    • 26,015 Thanks
    jwil
    Todays pads:

    £3.29 to Mortgage
    £5.00 to debt savings
    £1.31 to em savings


    Debt savings - £19,320/£18,215 - £1105 paid
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 19th Mar 18, 3:11 PM
    • 8,504 Posts
    • 26,015 Thanks
    jwil
    New SOA with new year's bills Ouch! DH will be contributing more so it will balance, but I haven't included that yet as we need to see what he will be earning this year.

    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................................ 687
    Secured/HP loan repayments.............. 0
    Rent.................................... 0
    Management charge (leasehold property).. 0
    Council tax............................. 145
    Electricity............................. 50
    Gas..................................... 50
    Oil..................................... 0
    Water rates............................. 79
    Telephone (land line)................... 20
    Mobile phone............................ 7.5
    TV Licence.............................. 13
    Satellite/Cable TV...................... 15
    Internet Services....................... 15
    Groceries etc. ......................... 160
    Clothing................................ 10
    Petrol/diesel........................... 50
    Road tax................................ 14
    Car Insurance........................... 22
    Car maintenance (including MOT)......... 20
    Car parking............................. 0
    Other travel............................ 0
    Childcare/nursery....................... 905
    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.................. 2399.5



    Assets

    Cash.................................... 1010
    House value (Gross)..................... 200000
    Shares and bonds........................ 0
    Car(s).................................. 500
    Other assets............................ 0
    Total Assets............................ 201510



    Secured & HP Debts

    Description....................Debt......Monthly.. .APR
    Mortgage...................... 119474...(687)......2.49
    Total secured & HP debts...... 119474....-.........-


    Unsecured Debts
    Description....................Debt......Monthly.. .APR
    1..............................2281......1........ .0
    2..............................8331......1........ .0
    3..............................3994......1........ .0
    5..............................4781......1........ .0
    4..............................1894......1........ .0
    Total unsecured debts..........21281.....5.........-



    Monthly Budget Summary

    Total monthly income.................... 2,307
    Expenses (including HP & secured debts). 2,399.5
    Available for debt repayments........... -92.5
    Monthly UNsecured debt repayments....... 5
    Amount short for making debt repayments. -97.5


    Personal Balance Sheet Summary
    Total assets (things you own)........... 201,510
    Total HP & Secured debt................. -119,474
    Total Unsecured debt.................... -21,281
    Net Assets.............................. 60,755


    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
    • WannabeFree
    • By WannabeFree 19th Mar 18, 5:28 PM
    • 1,534 Posts
    • 13,209 Thanks
    WannabeFree
    I hate this time of year with all the price increases on everything

    Hope you can manage to make it balance.

    x
    ďOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.Ē
    • jwil
    • By jwil 19th Mar 18, 7:12 PM
    • 8,504 Posts
    • 26,015 Thanks
    jwil
    I hate this time of year with all the price increases on everything

    Hope you can manage to make it balance.

    x
    Originally posted by WannabeFree
    Thanks, it's so depressing It will balance and from the beginning of next year little miss will get her free hours so it will look better then!
    "If you can dream it, you can do it". Walt Disney
    • Kitten868
    • By Kitten868 21st Mar 18, 7:35 AM
    • 897 Posts
    • 1,881 Thanks
    Kitten868
    Don't let me sway you! I'm absolutely pants at this and you're brilliant.
    I think it's just incredibly tough debt paying with kids. I also feel a mug as I thought things were harder when they were really small but I'm finding work tougher to sort now oldest is at school. Getting fixed hours in school time - not even thinking about term time is such a pain in the bum! And the money i earn is even less! We've done it now. And before we know it they'll be old enough to do after school clubs. My youngest has started doing one morning a week at preschool in readiness for 4 days a week in September. Bring on the free hours!!! But then I need to do 16 hours in school time. 4 days of 4 hours!? Grr
    Keep going jwil you're an inspiration xx
    Loan 1 £5900/£8000
    Loan 2 £3900/£5800
    Total £9800/£13800 29% PAID
    • jwil
    • By jwil 21st Mar 18, 7:50 AM
    • 8,504 Posts
    • 26,015 Thanks
    jwil
    Todays pads:

    £2.60 to Mortgage
    £5.00 to debt savings
    £4.33 to em savings


    Debt savings - £19,320/£18,210 - £1110 paid
    "If you can dream it, you can do it". Walt Disney
    • WannabeFree
    • By WannabeFree 21st Mar 18, 7:52 AM
    • 1,534 Posts
    • 13,209 Thanks
    WannabeFree
    Keep going jwil you're an inspiration xx
    Totally agree

    Hope you have a good day
    x
    ďOnce you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.Ē
    • jwil
    • By jwil 21st Mar 18, 7:54 AM
    • 8,504 Posts
    • 26,015 Thanks
    jwil
    Don't let me sway you! I'm absolutely pants at this and you're brilliant.
    I think it's just incredibly tough debt paying with kids. I also feel a mug as I thought things were harder when they were really small but I'm finding work tougher to sort now oldest is at school. Getting fixed hours in school time - not even thinking about term time is such a pain in the bum! And the money i earn is even less! We've done it now. And before we know it they'll be old enough to do after school clubs. My youngest has started doing one morning a week at preschool in readiness for 4 days a week in September. Bring on the free hours!!! But then I need to do 16 hours in school time. 4 days of 4 hours!? Grr
    Keep going jwil you're an inspiration xx
    Originally posted by Kitten868
    I don't think I am!

    Don't tell me it gets harder I thought it would be easier when they get older! I agree it's practically impossible to get school hours/term time. I'm just sucking up the fact that we will always have to use after school club and holiday clubs. At the moment we are managing without breakfast club. Whatever it is, it's going to be cheaper than the current nursery bill
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 21st Mar 18, 7:55 AM
    • 8,504 Posts
    • 26,015 Thanks
    jwil
    Totally agree

    Hope you have a good day
    x
    Originally posted by WannabeFree
    Aww thank you I'm not sure how, but appreciate it

    Have a good day too xx
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 21st Mar 18, 7:58 AM
    • 8,504 Posts
    • 26,015 Thanks
    jwil
    Well I think (touch wood) I am finally clear of the lurgy! Wow, that's taken a long time - almost 4 weeks I think I finally feel better. Now I must get back to it.

    I'm off the next two weeks on unpaid leave so I'm going to be down 4 days pay in this month and next month's wages - I really need to replace it or at least minimise the damage! I have some stuff prepped to put on eBay so must get it on, but they are speculative listings and I'm not convinced they will sell, certainly not straight away, so may not help with the cash raising.
    "If you can dream it, you can do it". Walt Disney
    • jwil
    • By jwil 21st Mar 18, 8:00 AM
    • 8,504 Posts
    • 26,015 Thanks
    jwil
    Done so far:

    Amazon pantry order
    Look for curtain rail for kids
    Pay in little jwil's birthday cheque
    Little jwil's thank you cards
    Catch up with ebay listings
    Clean kitchen
    Clean bathroom
    Change beds
    Change towels and bathmats
    Clean kids bedroom and reorganise books
    Get DH to build toy storage
    Open all doors and windows to let fresh air in
    Hang washing on line
    Vacuum downstairs
    Vacuum upstairs
    Tidy clothing
    Register with holiday club
    Book after school club
    Book school lunches
    Do eBay sales admin
    Sort out proof of postings
    Do financial admin
    Update declutter list and Feb's totals
    Check packaging levels
    Sort out new stuff to list
    Cash in PA
    Cash out £5 amazon on one site
    Cash out £5 amazon on second site
    Cash out TCB
    Catch up with surveys and check balances
    Get DH to put up curtain rail
    Wash down stairs and handrail
    Wipe all light switches and handles
    Do new SOA
    Clean and de-cobweb hallway and landing
    Clean sofas
    Nursery review
    Mortgage spreadsheet
    Check about switching energy
    2 x birthday gifts - one sorted
    "If you can dream it, you can do it". Walt Disney
    • mfmaybe
    • By mfmaybe 21st Mar 18, 2:00 PM
    • 1,101 Posts
    • 3,516 Thanks
    mfmaybe
    Glad you got rid of the lurgy. It took me quite a while to feel properly better too.

    The SOA is very tight but at least it justifies the decision to go on a DMP; and proves you aren't being needlessly stingy in your payments. Obviously the nursery bill is the crippling one. Out of interest, do you use vouchers via your work and if so have you checked if you'd be better off under the new system?
    BTL Overpayments since 20/4 £5.90

    AFD May 11/15 NSD May 8/10

    Other debts paid since 1/1/14: £17,005
    • abba1772
    • By abba1772 21st Mar 18, 3:22 PM
    • 4,732 Posts
    • 16,234 Thanks
    abba1772
    You've certainly cracked through your list that's very impressive 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 £4152.74
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