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  • FIRST POST
    • shangaijimmy
    • By shangaijimmy 13th Mar 15, 12:18 PM
    • 2,000Posts
    • 8,494Thanks
    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
    • Aug 2017 - £104,300
    • 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; 30-06-2017 at 8:01 AM. Reason: Updated Goals
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
Page 96
    • shangaijimmy
    • By shangaijimmy 19th Jun 17, 7:47 AM
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    • 8,494 Thanks
    shangaijimmy
    A quick post to confirm that this diary is a good omen! In the face of my return I've had an unexpected £214 refund from British Gas and this morning £98 from quidco, which i had totally forgotten about!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • shangaijimmy
    • By shangaijimmy 19th Jun 17, 9:49 PM
    • 2,000 Posts
    • 8,494 Thanks
    shangaijimmy
    £1TT to start the weekly pot off. Bank account is looking slightly anaemic today but payday is Friday so all things improve. Unfortunately paying out day is next Monday, but to end on a positive MFW accounts posting is 12 sleeps away! Am looking forward to it as its the first one since Dec 16.

    Car insurance re-quote is in for our multi-car policy and unfortunately its a good one. I say unfortunate as it means i'm unlikely to get any cashback!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • shangaijimmy
    • By shangaijimmy 20th Jun 17, 8:20 PM
    • 2,000 Posts
    • 8,494 Thanks
    shangaijimmy
    A few little financials to report today. Firstly I made about £18 on MB from a couple of Ascot offers. Secondly i got round to OPing the £200 from British Gas refund (we're Sainsburys really as its cheaper, but the cash goes to and off British Gas). As we stand i'll be looking at an OP total of £843 which is an amazing start to restarting the diary. Lastly we've had 2 bids on our ebay relists that finish on Sunday.

    Its 3 more sleeps to payday and new car. Its 9yrs old but only 41k miles on it (retired couple who basically used it for shopping). In readiness i sorted car insurance out and thankfully no administration charges for changing the car over. Our re quote does go up a little bit but there is an extra seat in the new car so to be expected I'll do a search and see if i can get it cheaper but im not expecting to £535 for a mutli car policy seems a good deal overall.

    In non financials my hayfever has been atrocious now since Thursday and i have to say that i'm exhausted from it. Constant nose blowing and sneezing alongside very disturbed sleep is wearing me down! Considering a beach hut for the month of June next year!!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • chumpy45
    • By chumpy45 20th Jun 17, 9:22 PM
    • 315 Posts
    • 1,347 Thanks
    chumpy45
    Great steps on the MB and ebay. I have recently sold my first three items on Ebay so feeling a little smug, but my efforts pale into insignificance compared with your mega number of listed items . Hope the hayfever is easing a little. My DH has been sneezing and snorting for days now too and is also leaving trails of tissues and nasal sprays in his wake, so I do sympathise.
    Starting Mortgage 01.08.08 £171,209.24. Mortgage as at 01.09.15 - £54,780.04; 01.11.15 £49,577.04;01.03.16 £45,799.32; 01.08.16 £42,418.93; 01.10.16 £40,119.5 01.02.17 £36,584.00; 01.04.17 £34,694.71 09.06.17 £32,828.89 MFW Target date Sept 2017;
    • shangaijimmy
    • By shangaijimmy 20th Jun 17, 9:26 PM
    • 2,000 Posts
    • 8,494 Thanks
    shangaijimmy
    Thanks Chumpy. We've only got so many items as we've got 3 kids that keep growing out of things far too quickly! We have found a good method that works...Mrs SJ sorts the clothes and then takes pictures on my ipad, for me to follow up and list a few items at a time when Mrs SJ is watching a horror film!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • EatingTheElephant
    • By EatingTheElephant 21st Jun 17, 7:16 AM
    • 1,035 Posts
    • 5,435 Thanks
    EatingTheElephant
    That OP pot is looking very healthy

    Hubby is suffering with hay fever too, although luckily his eases a bit with the nasal spray and eye drops. Hope you find some relief soon.
    • shangaijimmy
    • By shangaijimmy 21st Jun 17, 10:40 PM
    • 2,000 Posts
    • 8,494 Thanks
    shangaijimmy
    Long day today, long week actually with hay fever so bad. 5p TT today and we have £41 left before Friday payday so I'd say we've made all our money work hard this month! Had another bid on an eBay item, so that's 3 definitely sold (96 to go!).

    I have 46 miles of petrol left so I've managed my fuel quite well I think before returning the car on Friday morning! It really will have fumes left and I'm just hoping there's enough to get it up the big hill on the way! Quite excited now about new car, which definitely isn't like me as I've always viewed them as rust bucket money pits!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • A Frayed Knot
    • By A Frayed Knot 21st Jun 17, 10:51 PM
    • 2,027 Posts
    • 9,219 Thanks
    A Frayed Knot
    Exactly what I've been thinking - a very long week.

    Didn't think it could be because of the hayfever

    Hope car can manage to run on fresh air
    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 22nd Jun 17, 7:52 AM
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    • 8,494 Thanks
    shangaijimmy
    Another terrible nights sleep due to persistent sneezing and nose blowing...! Day off work today which ordinarily would be great but i've got 2 sports days to go to! So school run, then nip and drop baby SJ at nanny's, then back to school. Then pick baby up and have dinner, then drop baby SJ off at grandma's then back to school, then off to pick baby SJ up, then back to school for school pick up! Maybe my 41 miles of petrol won't last! I'll have to be like a teenage drier again and put £2 worth of petrol in!!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • shangaijimmy
    • By shangaijimmy 22nd Jun 17, 11:16 AM
    • 2,000 Posts
    • 8,494 Thanks
    shangaijimmy
    Quick update - sportsdays cancelled due to rain!!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • EatingTheElephant
    • By EatingTheElephant 22nd Jun 17, 6:51 PM
    • 1,035 Posts
    • 5,435 Thanks
    EatingTheElephant
    Every cloud has a silver lining! Hope you had a more relaxing day than planned, all that running around sounded exhausting.
    • A Frayed Knot
    • By A Frayed Knot 22nd Jun 17, 7:44 PM
    • 2,027 Posts
    • 9,219 Thanks
    A Frayed Knot
    Maybe my 41 miles of petrol won't last!

    I'll have to be like a teenage drier again and put £2 worth of petrol in!!
    Originally posted by shangaijimmy
    Reminds me of, a colleague's son in work. Got a car as a birthday present with a full tank, ran about all over the place during that week, then at the end of the week, told his dad there was a leak in the petrol tank.

    So, "dad" had a look, could not find anything.

    Dad - "What makes you think there's a leak" ?
    Son - "Well the petrol gauge keeps going down and now it's empty.
    Dad - "How much petrol have you put in it?
    Son - None
    Dad -

    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 22nd Jun 17, 9:12 PM
    • 2,000 Posts
    • 8,494 Thanks
    shangaijimmy
    Don't tell her, but i could see Mrs SJ saying something similar!
    "Newcastle is closer to Scotland than England..."
    "But its in England"
    "Well yeah, but its closer to Scotland"

    Not sure where you can go with the rest of that conversation!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • A Frayed Knot
    • By A Frayed Knot 22nd Jun 17, 10:36 PM
    • 2,027 Posts
    • 9,219 Thanks
    A Frayed Knot
    Not saying who asked this

    What was the score (football)
    It was a draw
    Oh, who won, then


    time for bed, another exhausting day.
    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 23rd Jun 17, 11:04 AM
    • 2,000 Posts
    • 8,494 Thanks
    shangaijimmy
    Well hayfever seems to have reduced (for now) and i feel a load better! Having a lazy morning in work and am quite looking forward to picking new car up at 1pm!!

    Payday at last so account looks healthy. Until Monday which is paying out day!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • katep23
    • By katep23 23rd Jun 17, 4:45 PM
    • 1,153 Posts
    • 8,777 Thanks
    katep23
    Payday at last so account looks healthy. Until Monday which is paying out day!
    Originally posted by shangaijimmy
    Ha ha, you do better than me. Also pay day here today but already shuffled money and everything is accounted for except my pocket money so bank account already looking rather bare!

    • shangaijimmy
    • By shangaijimmy 23rd Jun 17, 10:54 PM
    • 2,000 Posts
    • 8,494 Thanks
    shangaijimmy
    Go me with my new car....

    Oh and with my 79p TT!
    MFW: Turning June 2036 into March 2023...
    28//120 Payments Challenge, Diary Reduction £29,621.76
    Aug 2009: £163,051 // Current: £106,378.27 // Avg Daily Interest £4.78
    MFiT-T4 #8 - 42.45% of £41,000
    • EatingTheElephant
    • By EatingTheElephant 24th Jun 17, 7:40 AM
    • 1,035 Posts
    • 5,435 Thanks
    EatingTheElephant
    Enjoy the new car
    • Busy Mee1
    • By Busy Mee1 24th Jun 17, 7:46 AM
    • 332 Posts
    • 1,131 Thanks
    Busy Mee1
    Great news on the car Jimmy....oh and the 79p ��
    • A Frayed Knot
    • By A Frayed Knot 24th Jun 17, 8:25 AM
    • 2,027 Posts
    • 9,219 Thanks
    A Frayed Knot


    new car, enjoy.
    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
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