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  • FIRST POST
    • shangaijimmy
    • By shangaijimmy 13th Mar 15, 12:18 PM
    • 2,340Posts
    • 11,205Thanks
    shangaijimmy
    New Diarist - Attacking the Banks!
    • #1
    • 13th Mar 15, 12:18 PM
    New Diarist - Attacking the Banks! 13th Mar 15 at 12:18 PM
    Hi all,
    Thanks for popping and helping me to stay motivated. This would be the 3rd version of the opening post, but is reflective of where we are currently at. Lots has changed over the last 3 yrs, not least adding a 3rd child to our household!

    This post details my current goals, and as it seems a shame to ignore previous achievements I've summarised them below. This is a 120 payment challenge which would knock 11yrs off our initial draw down of 30yrs. I'm hoping for 100 payments so we'll see how we progress!

    Achievements - 34 payments
    • Balance - £99,371.84
    • Diary Reduction Total - £36,628.18
    • Cumulative Overpayments - £20,308.75
    • Monthly Average Overpayments - £597.32
    • Monthly Average Net Reduction - £1,077.30

    Long Term Targets
    • 5yr/60th payment - £86,000
    • 7yr/84th payment - £38,000
    • 9yr/108th payment - £7,000

    Targets for 2018
    • Jan 2019 - £98,200
    • Feb 2018 - £97,000 (End of Yr 3 Balance £39k diary reduction)
    • Mar 2018 - £95,800
    • Apr 2018 - £94,600
    • May 2018 - £93,400
    • June 2018 - £92,200
    • July 2018 - £91,000
    • Aug 2018 - £89,800
    • Sept 2018 - £88,600
    • Oct 2018 - £87,400
    • Nov 2018 - £86,200
    • Dec 2018 - £85,000
    Last edited by shangaijimmy; 05-01-2018 at 11:47 AM. Reason: Updated Goals
    MFW: Turning June 2036 into March 2023... 34//120 Payments Challenge, Diary Reduction £36,628.18
    Aug 2009: £163,051 // Current: £99,371.84 // Avg Daily Interest £4.46
    MFiT-T4 #8 - 56.74% of £41,000
Page 100
    • shangaijimmy
    • By shangaijimmy 13th Jul 17, 7:36 AM
    • 2,340 Posts
    • 11,205 Thanks
    shangaijimmy
    Baby SJ slept through... That's 2 nights running, so tonight she's gonna be a nightmare!! And Mrs SJ is away over night for work

    Made a quick 40p TT while making my morning brew so thought i'd log on and post.

    Day off today, but got a bit of running around to do. Need to pick dad up from garage after school run whilst his cars gone in for a service. Then later on got to take DS1 to pick up yet another pair of new glasses. I would really love to just sit on the couch, watching tennis all afternoon, snoozing and drinking tea...but i have no chance! I may get an hour of the first game if baby SJ is asleep (may have to time a big dog walk in the hope that she sleeps in the pram)! My intention is for a play centre with her around lunch though.

    Right, need to go and get the boys up and dressed for school. They're definitely on the last weeks of the year when they're sleeping longer and ready for the end of year. Especially DS2 who is still only 4 and his foundation stage year is all but done.

    Have a great day...weather looks glorious here so fingers crossed as I'm sick of getting poured on at school run! The heavens always seem to time it for 8.40am - 8.50am!
    MFW: Turning June 2036 into March 2023... 34//120 Payments Challenge, Diary Reduction £36,628.18
    Aug 2009: £163,051 // Current: £99,371.84 // Avg Daily Interest £4.46
    MFiT-T4 #8 - 56.74% of £41,000
    • shangaijimmy
    • By shangaijimmy 14th Jul 17, 7:39 AM
    • 2,340 Posts
    • 11,205 Thanks
    shangaijimmy
    Well a fully day on my own with the tribe and i survived...! Though i did get a 40 min period when my mum had them whilst i ran my dad to pick his car up from the garage.

    Managed to fit in; school run, dog walk, play centre, second school run, DS1 for his replacement glasses where i had to take all 3 of them, playing in garden for a few hours in evening, bath/shower time, watched 1 tennis semi (baby asleep) and i even washed, dried and remade the babies bedding as her bottle had leaked on it. Then best of all baby asleep for 9.30pm with no battles, and she slept through till 7am .

    So to today, 28p TT'd whilst kettle was boiling, all 4 of us up and dressed and just abut to do breakfasts. Got one of those fiddly day in work with lots of little jobs to do. I'm on my own so come 1pm tennis will be on in the background

    Mrs SJ due home at 3, and then i will be in full handover mode of all parental responsibilities (yeah right)! NSD is planned!
    MFW: Turning June 2036 into March 2023... 34//120 Payments Challenge, Diary Reduction £36,628.18
    Aug 2009: £163,051 // Current: £99,371.84 // Avg Daily Interest £4.46
    MFiT-T4 #8 - 56.74% of £41,000
    • shangaijimmy
    • By shangaijimmy 14th Jul 17, 9:44 PM
    • 2,340 Posts
    • 11,205 Thanks
    shangaijimmy
    Parental handover complete once i'd picked DS2 up from after school sports club, and life is back to normal...namely i've had sport on the tv!

    NSD today, but that was even bettered with a £1 road kill which has promptly been dispatched to the small change jar. I'm sure there'll be £5 in there now so i'll count up then cash in for a note in work on Monday, then OP online.

    I reckon i get a bonus £5 from small change every month, especially if Mrs SJ has had a night out as she pays for every drink with a note...always!!
    MFW: Turning June 2036 into March 2023... 34//120 Payments Challenge, Diary Reduction £36,628.18
    Aug 2009: £163,051 // Current: £99,371.84 // Avg Daily Interest £4.46
    MFiT-T4 #8 - 56.74% of £41,000
    • Busy Mee1
    • By Busy Mee1 15th Jul 17, 7:15 AM
    • 462 Posts
    • 1,925 Thanks
    Busy Mee1
    It is amazing how quickly the small change jar adds up, we also have a 20p jar and a 50p jar. The 20p jar I use for holiday spending money - there is around £60 in there currently and I will use it to buy groceries for our holiday in a cottage in September. The 50p jar doesn't grow that quickly because everyone raids it for parking money
    • EatingTheElephant
    • By EatingTheElephant 15th Jul 17, 8:22 AM
    • 1,191 Posts
    • 6,495 Thanks
    EatingTheElephant
    Life sounds very hectic, great news that baby SJ sleeping schedule is going in the right direction too.

    Have a great weekend, I hope the F1 gives some good MB opportunities for you to follow the tennis MB success.
    • shangaijimmy
    • By shangaijimmy 15th Jul 17, 10:43 AM
    • 2,340 Posts
    • 11,205 Thanks
    shangaijimmy
    Thanks Busy and EtE. Small change jar was over £5 so all bagged up and ready to a few eye rolls from Mrs SJ.

    TT'd 38p this morning which takes the find to £3.85 for the week with 1 day to go before OPing. Not much happening really, got swimming lesson for DS2 this afternoon and that's about all. Was thinking of doing some outside jobs but the rain has (thankfully) scuppered those plans.

    So grandparent visit this morning and then tennis final.

    Never tried F1 for MB, but will have a look!
    MFW: Turning June 2036 into March 2023... 34//120 Payments Challenge, Diary Reduction £36,628.18
    Aug 2009: £163,051 // Current: £99,371.84 // Avg Daily Interest £4.46
    MFiT-T4 #8 - 56.74% of £41,000
    • try harder
    • By try harder 15th Jul 17, 10:48 AM
    • 586 Posts
    • 2,079 Thanks
    try harder
    What a busy few days you have had you sound like a great dad .
    Hope you get to watch both finals with out too many little distractions .
    • shangaijimmy
    • By shangaijimmy 15th Jul 17, 11:37 AM
    • 2,340 Posts
    • 11,205 Thanks
    shangaijimmy
    Busy?? I'm not sure what i'd do if a i had any time to myself greater than 2hrs!!

    So help and advice needed. I currently use my work laptop for home stuff (MB mainly), but it's on its last legs. Now it seems as if i may end up with a desktop comp for work so i'll need something for home. I'm no techie at all so what is the difference between a netbook and a laptop? Figuring i really only need access to bookies websites and then use of my MB and budget spreadsheets so would google drive work on a netbook? As ever i don't really want to spend massive amounts and definitely don't want to spend big for stuff that i'd never use.

    Help...
    MFW: Turning June 2036 into March 2023... 34//120 Payments Challenge, Diary Reduction £36,628.18
    Aug 2009: £163,051 // Current: £99,371.84 // Avg Daily Interest £4.46
    MFiT-T4 #8 - 56.74% of £41,000
    • EatingTheElephant
    • By EatingTheElephant 15th Jul 17, 1:52 PM
    • 1,191 Posts
    • 6,495 Thanks
    EatingTheElephant
    A netbook is a lot smaller than a laptop usually so not ideal for doing lots of work on or trying to watch things on a small screen. They are however a lot easier for transporting around as they are not as heavy. They tend to not be as powerful either.

    I would say it would work if your just doing a bit of browsing and spreadsheet updates as that is quite light use, if you are ok looking at the smaller screen.

    It probably won't be much good if you want something that maybe the kids can use to do their homework in a few years time or if you will be spending a lot of time on it.
    • shangaijimmy
    • By shangaijimmy 15th Jul 17, 9:27 PM
    • 2,340 Posts
    • 11,205 Thanks
    shangaijimmy
    Thanks for that info. Confirmed my thoughts it not helped with decision, which I'm fully aware is because of my indecisiveness!

    Today worked out as planned. Managed to get 2 dog walks in between the rain, took DS2 to swimming lesson, had to nip to work for 90mins which was fine, had a god tea, now sat in nursery! Very tears at first and she tried her best to make herself sick...now fast asleep and only 11mins tonight. So off downstairs to watch the new Mummy film. Who's betting I'm asleep by 10.15...

    Made about £50 MB on tennis final and have at least £30 coming already from tomorrow final. Just hoping for a few more offers now to try and get to the £100 for weekend.

    See you all tomorrow! TT pot OPing day
    MFW: Turning June 2036 into March 2023... 34//120 Payments Challenge, Diary Reduction £36,628.18
    Aug 2009: £163,051 // Current: £99,371.84 // Avg Daily Interest £4.46
    MFiT-T4 #8 - 56.74% of £41,000
    • A Frayed Knot
    • By A Frayed Knot 16th Jul 17, 12:38 AM
    • 2,198 Posts
    • 9,885 Thanks
    A Frayed Knot
    Busy?? I'm not sure what i'd do if a i had any time to myself greater than 2hrs!!

    So help and advice needed. I currently use my work laptop for home stuff (MB mainly), but it's on its last legs. Now it seems as if i may end up with a desktop comp for work so i'll need something for home. I'm no techie at all so what is the difference between a netbook and a laptop? Figuring i really only need access to bookies websites and then use of my MB and budget spreadsheets so would google drive work on a netbook? As ever i don't really want to spend massive amounts and definitely don't want to spend big for stuff that i'd never use.

    Help...
    Originally posted by shangaijimmy
    Don't know anything about netbooks, but can totally recommend a Chromebook, I have one, and Love it , Love it , Love it

    I just wanted a basic one, and this does everything I need, browse, no need for buying extra security - its built in and so is a version of Office, you can draft up a letter, make up spreadsheets and a whole lot more.

    A lot lighter for carrying around and I got the 14" screen which is just perfect for me.
    Camera, Files, apps, - I could go on and on.

    Paid just over £200 for mine, bought my mum's from @rgos ebay shop - a whole lot less.

    Hmm, think you get the message. Love it.
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £4068.97
    • shangaijimmy
    • By shangaijimmy 16th Jul 17, 9:37 AM
    • 2,340 Posts
    • 11,205 Thanks
    shangaijimmy
    Chromebook...I'll add that to the dilemma list!

    £4.53 OP'd from the weeks TT pot . I tried to resist the temptation of OPing my £5 small change jar, but failed.......
    MFW: Turning June 2036 into March 2023... 34//120 Payments Challenge, Diary Reduction £36,628.18
    Aug 2009: £163,051 // Current: £99,371.84 // Avg Daily Interest £4.46
    MFiT-T4 #8 - 56.74% of £41,000
    • hiddenshadow
    • By hiddenshadow 16th Jul 17, 9:13 PM
    • 2,393 Posts
    • 10,853 Thanks
    hiddenshadow
    Chromebooks are decent machines, I've had techie coworkers rave about them (not for doing techy things per se, but certainly for web browsing, basic office admin, etc). I don't think they're overly flexible (not sure if they have a disk drive to install software offline), but if you just want the basic functionality they seem perfectly good machines.
    MFW: £197,100 (2013) to £103,848 (Jan '18)
    2018 MFW #56: £798/£105,000 0% / MFiT-T4 #15: £55,652/£90,000 61%
    • shangaijimmy
    • By shangaijimmy 16th Jul 17, 9:45 PM
    • 2,340 Posts
    • 11,205 Thanks
    shangaijimmy
    I've done a little bit of reading up and am leaning towards a chrome book... for now...

    I updated spreadsheet with today's OP's and couldn't resist a little fiddle with some permutations! My £99k goal on New Years Eve is tantalising and I now think we'll be less than £150 short. I have made big decision though...when the football season starts I'm confident of making £150 a month on MB (last season I was getting £300 some months)...so I'm going to OP half of my monthly total upto £100. Now I know MB won't last for ever but over my 8 remaining years of MFW plan I may be able to shave an extra 10-12months off and get closer to 7. If I can spare a few minutes in work tomorrow I'm going to have a play with spreadsheet!!

    Full work day today so not much to report. Now making plans for caravan trip this coming weekend. We're heading straight from school pick up on Thursday and coming home Tuesday evening. Big decisions to be made... what teas do we have, what sandwich fillers, do we want cooked breakfasts etc... how much beer to take???

    It's fair to say that we'll be under prepared as I have 2 x 11hr days and 1 8 hr. day to negotiate, whilst Mrs SJ has a work residential Tuesday/Wednesday. So I expect I'll be nipping supermarket on Thursday night, but that's standard for us and Aldi is only 10mins drive away. Caravan is only 60miles away, and mostly motorway, so we should be arriving for 5pm.

    We do have a big spend on the horizon however as its DS2 birthday in August. Our eBay pot will pay for his presents, so just his party to pay for. Which reminds me, 5 more items sold tonight, and the remaining 73 relisted. 4 weeks ago we had 119 listed so I'm really pleased at the rate of sales. Need to get cracking on the bag of stuff that's still staring at me in the corner of the room.

    Mrs SJ had a mini toy clear out yesterday (mainly broken stuff, but some things that don't get used anymore), only for grandma to bring fresh plastic tat from the charity shop and SIL bought some toys for DD... we'll never be minimalist!
    MFW: Turning June 2036 into March 2023... 34//120 Payments Challenge, Diary Reduction £36,628.18
    Aug 2009: £163,051 // Current: £99,371.84 // Avg Daily Interest £4.46
    MFiT-T4 #8 - 56.74% of £41,000
    • Lynplatinum
    • By Lynplatinum 16th Jul 17, 11:51 PM
    • 897 Posts
    • 17,739 Thanks
    Lynplatinum
    hiya All

    Have noticed that my small change pot has been severely damaged by the fact that most places you go to in Cornwall require parking fees! Have kinda made it my mission to find the cheapest ones in each location! I have no problems in walking that bit further - I regard it as helping my aimed for weight loss! LOL
    Must get organised with the eof bay asap. Am not helping my situation by having stuff hanging around waiting to go on there!
    Well done SJ for getting so much stuff on there and keeping track of same! Enjoy your camping!
    Aim for Sept 17: 20/30 days to be NSDs NSDs July 23/31 (aim 22)
    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
    • A Frayed Knot
    • By A Frayed Knot 17th Jul 17, 12:06 AM
    • 2,198 Posts
    • 9,885 Thanks
    A Frayed Knot
    Chromebooks are decent machines, I've had techie coworkers rave about them (not for doing techy things per se, but certainly for web browsing, basic office admin, etc). I don't think they're overly flexible (not sure if they have a disk drive to install software offline), but if you just want the basic functionality they seem perfectly good machines.
    Originally posted by hiddenshadow

    Mine doesn't have a disk drive but you can buy separate and add at a later date if required.
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/£4000, 2015/£6294.69,2016/£3186.80
    2017 £4068.97
    • shangaijimmy
    • By shangaijimmy 17th Jul 17, 7:17 AM
    • 2,340 Posts
    • 11,205 Thanks
    shangaijimmy
    Nice to read your check in lynn...

    Final week of school for the boys this week, and DS1 is very excited about that. Got the weekly TT pot up and running with a meagre 10p but that's more than 1p that i have previously TT'd. Must apologise as i'm not sure whose diary mentioned this tactic but should i ever get 1p, i'm going to TT £1.01!

    Long day ahead in work, but will nip out to post ebay stuff and find some time for spreadsheet fiddles mentioned last night.

    Have a great day.
    MFW: Turning June 2036 into March 2023... 34//120 Payments Challenge, Diary Reduction £36,628.18
    Aug 2009: £163,051 // Current: £99,371.84 // Avg Daily Interest £4.46
    MFiT-T4 #8 - 56.74% of £41,000
    • brightonbelle
    • By brightonbelle 17th Jul 17, 7:28 AM
    • 84 Posts
    • 17 Thanks
    brightonbelle
    I'm trying to be pragmatic and sort things out as best I can but it's so hard, just a mine field, I'm so angry that we are in this. Position and I move been left to deal with it on my own...he can't 'deal with it.' I'm going to plead with the trustee about if I can put a charging order on the property before anything else, I think I have a good case with my circumstances. I want to keeepneverytung ok for the kids it's hard enough parents separating anyway
    • shangaijimmy
    • By shangaijimmy 17th Jul 17, 9:15 PM
    • 2,340 Posts
    • 11,205 Thanks
    shangaijimmy
    Long day but productive so cant complain too much. Ebay postage sorted but miscalculated on 1 item so no extra money made on post.

    I also managed some spreadsheet calculations and the extra £100 a month would shave 10 months off and see us finished in 6 more.... Thats provided we can keep on at the same levels as now. So the age of 45 is a possibility!

    Well baby SJ is asleep in the time its taken to type this on my phone so our routine had worked and only taken 10 days to do. Feel quite pleased with myself (smug even). So its off downstairs to watch the final Fargo and then in bed for 10.30
    MFW: Turning June 2036 into March 2023... 34//120 Payments Challenge, Diary Reduction £36,628.18
    Aug 2009: £163,051 // Current: £99,371.84 // Avg Daily Interest £4.46
    MFiT-T4 #8 - 56.74% of £41,000
    • mrsp1987
    • By mrsp1987 17th Jul 17, 9:34 PM
    • 811 Posts
    • 3,920 Thanks
    mrsp1987
    There's an app called Parkopedia which shows you car parks near you or near a postcode and shows you the prices. Means you can check in advance and make sure you choose the cheapest ones
    Mortgage April 2011: £108,499 30 yr term Current Mortgage £91,084.44 20 yrs left
    MFiT T4 #67 - Reduce mortgage from £99,310.76 to £80,000
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