Hope is not an Effective Financial Strategy

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  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    5 sold, £20 winging its way to the "free money for Mrs SJ clothes PayPal fund"... We'll make about £5 on postage too.
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    47p TT'd this morning. We're just about to hit the mid month MFW lull, so TT's become crucial for my motivation. Had a quick look at the month ahead and I think we'll get to £550 OP's. Possibly more if quidco pull their fingers out!
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    First Anniversary Debt-free and Proud!
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    MFW lull is likely to be replaced by hands full of Baby SJ..good timing ;)

    Savour your meal out tonight :)
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Babies another that needs to pull her finger out and make an entrance!!
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Well our meal out came at £25 (we always take cheese butties for the boys then buy them some chips), then Mrs SJ fancied a mcflurry on the way home, and as driver and pregnant one I'm not brave enough to say we've got ice cream in the freezer!

    In perfect timing this is also my 1000 post, so quite apt that it's on my diary!

    Well it's story time for boys, then I need to plan my 5mile route for tomorrows afternoon run, before we out a film on. I'll be snoring like a trooper by 10pm!

    We have 85 items finishing in 45mins by the way. So far 1 has a bid, which is find as its another thing out if the house!
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
  • Lynplatinum
    Lynplatinum Posts: 939 Forumite
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    Hiya y'all and a Happy New Year !!!:D

    Well spent £23 last week on groceries and now have enough proteins in freezer and have replaced essentials so that apart from fruit and salad veg i think i shall need to spend very little this month.

    So only Tilly Tidies this week are from the £10 'Happy Stash' which are £2.45 - the rest was spent on a sani and coffee at Cos!as and a pint at local pub.

    Looking back on this time last year itis strange how the new frugal habits have settled in. I always thought I was careful before but now , by counting even the small pennies things are begining to turn corners.
    Have a good week folks.
    Aim for Sept 17: 20/30 days to be NSDs :cool: NSDs July 23/31 (aim 22) :j
    NSDs 2015:185/330 (allowing for hols etc)
    LBM: started Jan 2012 - still learning!
    Life gives us only lessons and gifts - learn the lesson and it becomes a gift.' from the Bohdavista :j
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    First Anniversary Debt-free and Proud!
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    Congrats on 1000 posts :T

    Wise move on the ice cream decision ;) When heavily pregnant, one tends to be 'focussed' shall we say :rotfl:
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
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    I smiled that your 1000th post has reference to Maccy D's McFlurrys in it!

    Glad you had a good night out.. what is the scores on the doors for todays OP (if you are still doing them on a Sunday)
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • cookie9
    cookie9 Posts: 764 Forumite
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    Good call on the ice-cream. Congratulations on the 1000th post.
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Morning all. TT'd 91p this morning and to answer debt free question today's OP is £6.67. Very nearly one days worth of interest!
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
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