Onwards and downwards...
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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 Disney0 -
hey, not so slowly. also remember that you were previously adding to debt so major financial changesMortgage 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.0
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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 £15,010.60.0 -
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 :TFinally 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 MONTHS0 -
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 Disney0 -
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 differenceAdventureWanted 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 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 Disney0 -
I didn't get too much done yesterday 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 Disney0 -
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/£36000 -
All looking good
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.”0 -
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! 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 youWannabeFree wrote: »All looking good
Have a lovely day x
Thank you, you too"If you can dream it, you can do it". Walt Disney0
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