Hope is not an Effective Financial Strategy

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Comments

  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Hiddenshadow you've been nominated, come out come out wherever you are...!
    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
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
    edited 2 January 2016 at 12:17AM
    Haha, happy to oblige, but it was a combination of OCD and stubborn-ness.

    Edit: original suggestion failed, will try and figure out a sane way to write out what I did, but most of it was manually writing the forum code.
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
    edited 2 January 2016 at 12:35AM
    Some forums support tables natively but not this one. *sad face*

    I tried to tweak it all within the reply editor, and it looks great in the editor itself but then looks like crap when you actually post. *sad face again*

    You can still get it done, but it’s probably “easiest” (depending on one’s definition of easy) to write it out by hand. That way the forum won’t try and “help” you by overwriting your formatting with what it thinks you want (which does not look tabular or pretty).

    To do that, click the icon at the far right that has two As sort of on top of each other (Switch Editor Mode).

    The code to do the table is pretty simple. (remove the *** from the snippet below)
    [**FONT=Courier New][***CODE]table content goes here[/CODE***][/FONT***]
    
    You put your table into into the middle, where it says table content goes here ;)

    Without any spacing it’ll look like crap:

    Item Spent Budgeted
    Food £100 £400
    Groceries £100 £200
    


    would need extra spaces to become

    Item      Spent   Budgeted
    Food      £100    £400
    Groceries £100    £200
    


    Once you’ve got everything in, submit your post and see how it looks. If things look out-of-alignment, edit your post and tweak. Rinse and repeat. (Occasionally curse the forum software that doesn’t just allow tables already :p)

    Another handy option is to open a text editor on your computer, make sure it’s in Plain Text (not Rich Text) mode (generally a setting under Format/View), and that should allow you to write out the table part and get it all lined up before pasting it into the forum code to display it.

    It's a lot of tweaking and fiddling, and possibly not worth it if you don't care that much and can just write things out via a list. But handy if you want to simulate a table.

    Hope that helps!
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    First Anniversary Debt-free and Proud!
    Brilliant hidden - thanks for explaining it all :A

    I've got 2 years data ready to compare...guess what I'm doing next :rotfl:

    Sorry to hijack SJ :o
    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
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
    Have fun, Ali! I'm already looking forward to doing my 2015/16 comparison table. ;)
  • :eek: It's all I can do to actually write coherent words on here at times you geeky lot! :rotfl:
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Fantastic help. I'll give it a whirl, however I'm notoriously impatient!!
    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
  • gallygirl
    gallygirl Posts: 17,228 Forumite
    Name Dropper First Anniversary First Post Mortgage-free Glee!
    :eek: It's all I can do to actually write coherent words on here at times you geeky lot! :rotfl:

    ^^^^

    What she (he????) said :D.
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • gallygirl wrote: »
    ^^^^

    What she (he????) said :D.

    Absolutely a she (last time I looked)!! :rotfl:
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Well normal service resumed...the decorations are back in the loft as we try to get some normality for the weekend in the lead up to school return on Monday. I have to confess that although the tree and decorations are lovely (Mrs SJ comes into her own in this department) i do like the clean and space! I've capitalised on the free ebay listings and last night re-listed 100 items (mainly little boys clothes). They end tonight and so far 5 will sell, we then have another carrier bag of clothes to look through that i found in the loft!

    I also have a new tactic to start. Mrs SJ showed me a moneysaving technique on facebook last night (im not a facebook user by the way). For the 365 days of the year (or 366 for 2016 leap year) you put a penny away for the corresponding day number; so 1st Jan = 1p, then 2nd Jan = 2p, all the way till 31st Dec = 365p. Overall it makes over £650.

    Now i think that is a good idea but not very sustainable for me in December as that would end up a costly month. So i'm gonna tweak it for some smaller gains, naturally to OP. I;ll just do it over a single month then restart, and each 31 day month will generate £4.96. A 30 day month generates £4.65 and the leap year Feb generates £4.35.

    Overall this technique will generate 1 month at £4.35, 4 months at £4.65 and 7 months at £4.96, for a yearly total of £57.67.

    Now i need to fit this into the TT technique as well, so my plan is to tidy my account, then subtract the extra relevant amount. I'll OP each monthly total alongside the TT's to maximise the little interest calculations.

    Anyone care to join in?
    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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