Hope is not an Effective Financial Strategy

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  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Lovely surprise tonight in that £50 in Quidco was ready for withdrawal. So that's winging its way to current account and I can't wait to OP it!
    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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    Nice addition to the cause :T
    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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    Well checked this morning for Quidco cash but it's not arrived as yet to my disappointment. I had a quick look at spreadsheet to account for th £50 and we're on course for a £600 month OP total, which would be a great start to 2016 and have us £100 ahead of the ambitious yearly target! Woo hoo!
    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
    Name Dropper First Anniversary First Post
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    Can't tell you how many times I checked my online bank for the £50! Sadly it hasn't arrived and I feel positively deflated! Busy but productive day in work followed by 5k run tonight in driving rain and bitterly cold! Still at least I had music tonight!

    No signs of baby yet either...Mrs SJ just about getting to the end of her patience!
    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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    Can take 3-4 days to land in your account - they are quite slow.

    Come on Mrs SJ....time for a helping hand with curry, pineapple or whatever else is meant to 'help' ?! Does she know she's got an audience waiting on news? :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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    Yup, come on Mrs SJ.
    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
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    She's not listening...
    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
    Name Dropper First Anniversary First Post
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    Just had a really busy and long days 3 work days so revelled in a 90min dog walk this morning. I love it like today, cold, crisp and bright so well wrapped up in big coat, hat, scarf and gloves. Nit sure I'll enjoy running in shorts and tshirt later though!

    NSD planned today and excitedly it's payday tomorrow so the long January will end and money shuffles begin. Also hoping for the £50 Quidco cash to clear tomorrow so it can be out to good use as 28% of the months 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
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Nothing to report money wise but after another 2 dog walk (20 & 30mins) the dog is pooped! It's a shame as his only little. It was phenomenally cold for my run especially running into the wind, but I stuck at it for my planned 6km. My head us pulsing now after walking into a roasting house.

    Mrs SJ had a reassurance scan after we had a trip to the hospital last week, and everything is fine. II keep saying she's huge and it was confirmed as baby is currently 8lb 7 with 2 weeks to go!!! So Mrs SJ is now repackaged the bag with 0-3mobths clothes instead of new baby!! Section is booked for next Thursday so we've got 7 sleeps max to go. N
    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
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
    First Anniversary Name Dropper Photogenic First Post
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    :)7 sleeps unless you go for the "methods" that bring labour on, and as Ali-Ok mentioned the "ones" mentionable on here, I will have to let you "google" the others as far too :o to mention them myself:D:rotfl:
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
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