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  • FIRST POST
    • shangaijimmy
    • By shangaijimmy 13th Mar 15, 12:18 PM
    • 2,198Posts
    • 10,035Thanks
    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,
    I've knocked about a bit off and on for the last few years and a bit more heavily in the last 4 months. I've threatened a diary, but also found an excuse not to. Excuses are now fully exhausted so here goes. Remortgage complete, which i'll detail later, bank accounts organised (again i'll discuss later), spreadsheets plentiful and i'm learning on the go with these.

    Overall goal - pay off in 10 years, so 120 payments
    Dream goal - pay off in 8 years, so 96 payment

    Targets
    March 2015 - Balance at start of diary - £136,000
    • Feb 2017 - End of Yr 2 Balance £109,000 (£27k reduction since diary began) - Actual £110,520 (£25.5k reduction since diary began)
    • June 2017 - £106,500 - Actual £106,378 (£122 ahead)
    • July 2017 - £105,400 - Actual £105,296 (£104 ahead)
    • Aug 2017 - £104,300 - Actual £103,922.28 (£378 ahead)
    • Sept 2017 - £103,200
    • Oct 2017 - £102,100
    • Nov 2017 - £101,000
    • Dec 2017 - £99,999
    • Jan 2018 - £98,700
    • Feb 2018 - End of Yr 3 Balance - £97,500 (£38,500 reduction during diary & MFW journey)
    Last edited by shangaijimmy; 03-09-2017 at 8:47 AM. Reason: Updated Goals
    MFW: Turning June 2036 into March 2023... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
Page 100
    • shangaijimmy
    • By shangaijimmy 11th Jul 17, 8:23 PM
    • 2,198 Posts
    • 10,035 Thanks
    shangaijimmy
    Feel quite giddy...baby SJ is fast asleep in her cot, about to do boys stories before putting an episode of Fargo on! I may even be showered and in bed for 10....
    MFW: Turning June 2036 into March 2023... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • shangaijimmy
    • By shangaijimmy 11th Jul 17, 10:05 PM
    • 2,198 Posts
    • 10,035 Thanks
    shangaijimmy
    Made it... Fargo watched, showered and on bed watching the news. Aim to be asleep by 10.30pm!
    MFW: Turning June 2036 into March 2023... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • Kittenkirst
    • By Kittenkirst 11th Jul 17, 11:50 PM
    • 1,570 Posts
    • 8,059 Thanks
    Kittenkirst
    Hope you getting in some good zzzzz's in and will be fresh for tomorrow!
    2017 MFW #20 - OP £1884.86/ £2150. 87.6%
    Last 3 months- Jul £172.36 Aug: £212.52 Sep £132.24

    Emergency fund £3725]/£6k
    Mortgage Oct '16 £170.995 LTV 90% end: Nov 2041
    2016 OPs £255.50/£150
    • shangaijimmy
    • By shangaijimmy 12th Jul 17, 7:43 AM
    • 2,198 Posts
    • 10,035 Thanks
    shangaijimmy
    Slept tremendously! I'd like to say i feel brand new this morning, but alas no...hayfever is in full flow, grrr... At least the office is like a small bunker and it dries up after 30mins of being in there. Office day planned today to catch up on the last 2 days worth of stuff which has backed up from me being out and about. On my own as well, so i'll get loads done, drink loads of tea and be watching the tennis

    £1 TT this morning taking the weekly pot to £2.32 so far

    On checking our current account i'm not sure whats gone wrong as we seem to have 1 weeks worth of cash left, and 2 weeks to go till payday?? So i'll have to investigate further.
    MFW: Turning June 2036 into March 2023... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • Jessy103
    • By Jessy103 12th Jul 17, 1:07 PM
    • 437 Posts
    • 1,856 Thanks
    Jessy103
    Glad you slept better SJ! My brother suffers terribly from hayfever so every year he has a steroid (I think its steroid!) injection in his bottom from the GP which helps him a lot! If you haven't already might be worth you asking your GP about!
    Original Mortgage Amount 2007 - £87,310.50
    Mortgage Amount July 2017 - £62,900.00
    Overpayment Target for 2017 - £5,000 /£3,679.09
    Jan - £873.26 Feb - £185.38 March - £269.07 April - £193.66 May - £467.64 June - £407.79 July - £849.96 August - £255.11 September - £177.22
    • shangaijimmy
    • By shangaijimmy 12th Jul 17, 9:34 PM
    • 2,198 Posts
    • 10,035 Thanks
    shangaijimmy
    Thanks Jessy. I have had the jab before but strangely my GP won't give it to me anymore, despite me working outside most of the time and in fields!

    Well I'm back sat in the nursery again for baby SJ to go to sleep. We seem to be making progress as she didn't complain at all when I put her in. In fact I'm certain she said yes when I asked if it was time for bed. Fingers crossed she'll be asleep in the next few minutes.

    Tough day catching up in work and I didn't get to watch as much tennis as I'd hoped. However I'm on track and well placed to finish next Wednesday for a week in the caravan. I did get to see what was happening bank account wise and for some reason our child benefit payment hasn't gone in yet and that is the missing money. I put every penny of it into savings for the kids so it's already been shuffled away. Need to keep and eye and make sure it arrives.

    No other financials to report so I'll sign off my diary and do some reading of others in the quiet of the nursery!
    MFW: Turning June 2036 into March 2023... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • shangaijimmy
    • By shangaijimmy 13th Jul 17, 7:36 AM
    • 2,198 Posts
    • 10,035 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... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • shangaijimmy
    • By shangaijimmy 14th Jul 17, 7:39 AM
    • 2,198 Posts
    • 10,035 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... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • shangaijimmy
    • By shangaijimmy 14th Jul 17, 9:44 PM
    • 2,198 Posts
    • 10,035 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... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • Busy Mee1
    • By Busy Mee1 15th Jul 17, 7:15 AM
    • 367 Posts
    • 1,325 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
    • 1,099 Posts
    • 5,934 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
    • 2,198 Posts
    • 10,035 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... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • try harder
    • By try harder 15th Jul 17, 10:48 AM
    • 466 Posts
    • 1,490 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
    • 2,198 Posts
    • 10,035 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... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • EatingTheElephant
    • By EatingTheElephant 15th Jul 17, 1:52 PM
    • 1,099 Posts
    • 5,934 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
    • 2,198 Posts
    • 10,035 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... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • A Frayed Knot
    • By A Frayed Knot 16th Jul 17, 12:38 AM
    • 2,111 Posts
    • 9,526 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 £2422.71 + Phantom o/ps 2017 -£1367.81 so far
    • shangaijimmy
    • By shangaijimmy 16th Jul 17, 9:37 AM
    • 2,198 Posts
    • 10,035 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... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
    • hiddenshadow
    • By hiddenshadow 16th Jul 17, 9:13 PM
    • 2,221 Posts
    • 10,040 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: Dec '13 £197,100 / Dec '14 £180,691 / Dec '15 £161,669 / Dec '16 £119,669 / Sept '17 ££107,383
    Payment 44/84 / 2017 MFW #56: £12,285/£20,000 61% / MFiT-T4 #15: £52,116/£90,000 57%
    • shangaijimmy
    • By shangaijimmy 16th Jul 17, 9:45 PM
    • 2,198 Posts
    • 10,035 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... 30//120 Payments Challenge, Diary Reduction £32,077.72
    Aug 2009: £163,051 // Current: £103,922.28 // Avg Daily Interest £4.67
    MFiT-T4 #8 - 47.86% of £41,000
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