Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • shangaijimmy
    • By shangaijimmy 13th Mar 15, 12:18 PM
    • 2,154Posts
    • 9,673Thanks
    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
    • 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; 01-08-2017 at 7:28 AM. Reason: Updated Goals
    MFW: Turning June 2036 into March 2023... 29//120 Payments Challenge, Diary Reduction £30,703.25
    Aug 2009: £163,051 // Current: £105,296.75 // Avg Daily Interest £4.73
    MFiT-T4 #8 - 47.86% of £41,000
Page 99
    • Retro.Monkey90
    • By Retro.Monkey90 4th Jul 17, 9:21 AM
    • 60 Posts
    • 203 Thanks
    Retro.Monkey90
    TT a whole £1 today! I usually do it while having my cuppa in work in the morning as I get in earlier than everyone else. It's usually my 'me' time at work, but when it's busy and on the weekend the thought just totally fades from my brain! The other side effect of it is I am always checking what is coming out of our account and making sure we keep spends low so that has helped quite a lot since we started TT!
    Original Mortgage: £134k Sept 2044 Current Mortgage: £126k Neutral Oct 2039
    Ideal goal: TBC
    Bonus OPs made 2017: 7 total= £159.91
    Save
    Save
    • shangaijimmy
    • By shangaijimmy 4th Jul 17, 9:14 PM
    • 2,154 Posts
    • 9,673 Thanks
    shangaijimmy
    Gotta confess I always like a whole £1 TT! We're about to hit the mid month slump of little money activities so TT's really help for motivation and monentum, as does checking on funding circle for payments coming in. By Friday we should have enough in repayments to bid on another loan which always feels like a mini achievement. The account is at 7.2%growth for the last 10 months and it really is a place for our long term savings that we have no intention of touching.

    NSD today which is always a nice bonus. Couple of bids on our relisted items with 2 selling for £4.50 at the moment. Made a couple of errors on MB today so will end up about £20 down, grrr! Will try and make that back tomorrow though.

    Night all
    MFW: Turning June 2036 into March 2023... 29//120 Payments Challenge, Diary Reduction £30,703.25
    Aug 2009: £163,051 // Current: £105,296.75 // Avg Daily Interest £4.73
    MFiT-T4 #8 - 47.86% of £41,000
    • shangaijimmy
    • By shangaijimmy 5th Jul 17, 7:44 AM
    • 2,154 Posts
    • 9,673 Thanks
    shangaijimmy
    Morning update. TT for the day was 16p, and then i rounded up some interest from my 2 TSB and 2 Tesco accounts and OP'd it. Not much cash in those accounts at the minute as we've just bought a car and went on holiday in May. Anyway we had £9.36, which is very nearly 2 days of interest accounted for.

    11 hour work day today, and aiming for my 3rd NSD....

    I'll report back tonight...
    MFW: Turning June 2036 into March 2023... 29//120 Payments Challenge, Diary Reduction £30,703.25
    Aug 2009: £163,051 // Current: £105,296.75 // Avg Daily Interest £4.73
    MFiT-T4 #8 - 47.86% of £41,000
    • A Frayed Knot
    • By A Frayed Knot 5th Jul 17, 6:56 PM
    • 2,095 Posts
    • 9,476 Thanks
    A Frayed Knot
    Hate long days at work, however always think of the extra pennies

    ps Just given you, your 8,000th "thanks"
    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 5th Jul 17, 9:19 PM
    • 2,154 Posts
    • 9,673 Thanks
    shangaijimmy
    8,000 thanks... who'd have thought it!! I'm targeting 2,000 posts now you've made me look!

    NSD achieved, that's 3 in a row. Not sure I'll hit 4 as I'm off with DD tomorrow so play centre will beckon I think.

    Still not sorted car insurance, even though im accepting the requote. In truth I'm reluctant to accept as I think there'll be a better option with £50 cash back! Will definitely sort it tomorrow!
    MFW: Turning June 2036 into March 2023... 29//120 Payments Challenge, Diary Reduction £30,703.25
    Aug 2009: £163,051 // Current: £105,296.75 // Avg Daily Interest £4.73
    MFiT-T4 #8 - 47.86% of £41,000
    • shangaijimmy
    • By shangaijimmy 6th Jul 17, 9:10 PM
    • 2,154 Posts
    • 9,673 Thanks
    shangaijimmy
    Car insurance sorted, but alas no cashback. Only 18p to TT this morning so Sundays pot will be a small one I'm afraid. I did manage a 4th NSD as DS hasn't been great and decided to projectile vomit all over the couch and carpet. Truly an astonishing amount of vomit considering she's 18months old and had refused food all morning!

    So we now sit in a rather smelly living room and no matter how much Mrs SJ tries to clean, the smell returns!

    2 eBay items have bids so far. They end on Sunday so hopefully we'all get a few more items selling.

    Well early night for me, as it doesn't smell in our bedroom!
    Urns
    MFW: Turning June 2036 into March 2023... 29//120 Payments Challenge, Diary Reduction £30,703.25
    Aug 2009: £163,051 // Current: £105,296.75 // Avg Daily Interest £4.73
    MFiT-T4 #8 - 47.86% of £41,000
    • A Frayed Knot
    • By A Frayed Knot 6th Jul 17, 10:20 PM
    • 2,095 Posts
    • 9,476 Thanks
    A Frayed Knot
    Baby SJ will no doubt be full of beans now, and feeling much better. Hope so, anyway.

    http://housekeeping.wonderhowto.com/how-to/clean-wretched-vomit-smells-from-carpet-with-baking-soda-water-and-vacuum-397806/

    Hope the above link helps, I used it when I needed to clean my sofas, not of vomit though, I hasten to add.
    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 7th Jul 17, 10:51 AM
    • 2,154 Posts
    • 9,673 Thanks
    shangaijimmy
    Thanks frayed knot will give it a whirl. When i say I, really i mean Mrs SJ!!

    Another small TT this morning of 6p... go me...!

    Started to think about school hols given they are 2 weeks away. In the main our organisation for school hols is very poor as we've always had fantastic support from both sets of grandparents. This year is no different but we're set on having some time ourselves. So we have sorted 5 days in the caravan from the day they finish school. We'll pick the boys up at 3.15 and head straight there. We've then sorted a week from 24th Aug till 1st Sept!

    Aiming for them to be non spendy, but we'll see what Mrs SJ's take on that plan is!
    MFW: Turning June 2036 into March 2023... 29//120 Payments Challenge, Diary Reduction £30,703.25
    Aug 2009: £163,051 // Current: £105,296.75 // Avg Daily Interest £4.73
    MFiT-T4 #8 - 47.86% of £41,000
    • try harder
    • By try harder 7th Jul 17, 12:52 PM
    • 461 Posts
    • 1,470 Thanks
    try harder
    Good to see you back
    • shangaijimmy
    • By shangaijimmy 8th Jul 17, 7:44 PM
    • 2,154 Posts
    • 9,673 Thanks
    shangaijimmy
    Thanks TH.

    Well £1 TT'd today to boost the pot for the week. Also looks like it'll be another £1 tomorrow.

    Tough evening for me though as Mrs SJ is out with her friends so i'm baby sitting all 3 (and yes i still call it baby sitting even though they are my own). In all honesty i'm useless when i've got more than 1 of them... no patience at all, it's actually quite unfair on the kids!

    Only 2 things may save me... Firstly i have an Asda pizza all to myself. Secondly baby SJ hasn't had a sleep today so i'm hoping she can done before 10pm so i can put a film on! Though she's currently wide awake and laughing at me!

    Oh and i had another NSD today so that's 6 consecutive.
    MFW: Turning June 2036 into March 2023... 29//120 Payments Challenge, Diary Reduction £30,703.25
    Aug 2009: £163,051 // Current: £105,296.75 // Avg Daily Interest £4.73
    MFiT-T4 #8 - 47.86% of £41,000
    • shangaijimmy
    • By shangaijimmy 9th Jul 17, 6:51 PM
    • 2,154 Posts
    • 9,673 Thanks
    shangaijimmy
    Well baby SJ was asleep for 8.30 so not too bad!

    Another weekend without new eBay lists but I have tackled the monster that was the garage, with a few things donated to friends, some donated to charity and some donated to the tip!

    Another NSD today, £1 TT'd and the weekly TT pot of £3.38 OP'd. 5 eBay items with bids on for a modest £5 total, but it's a few more items out the house. At the minute grandma SJ seems on a mission and is averaging 1 tshirt/Dress per week for the kids (she can't be told!).

    Both DS's bedding has been washed today so off to make beds before sorting out bath & bedtime. Then hoping for a relaxing evening to catch up on diaries!
    MFW: Turning June 2036 into March 2023... 29//120 Payments Challenge, Diary Reduction £30,703.25
    Aug 2009: £163,051 // Current: £105,296.75 // Avg Daily Interest £4.73
    MFiT-T4 #8 - 47.86% of £41,000
    • Kittenkirst
    • By Kittenkirst 9th Jul 17, 7:06 PM
    • 1,516 Posts
    • 7,701 Thanks
    Kittenkirst
    Glad you had an earliest bed time for baby SJ did you manage to watch a film?

    Your Ebaying (& a few other diaries) has spurred me on so I've just listed three items and put another two on fb selling. Thanks for the motivation!
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
    • shangaijimmy
    • By shangaijimmy 9th Jul 17, 9:37 PM
    • 2,154 Posts
    • 9,673 Thanks
    shangaijimmy
    I did get a film on eventually but I have to own up to falling asleep through it!

    eBay update - 6 items sold for an £8 yield. I may make £1 on postage too.
    MFW: Turning June 2036 into March 2023... 29//120 Payments Challenge, Diary Reduction £30,703.25
    Aug 2009: £163,051 // Current: £105,296.75 // Avg Daily Interest £4.73
    MFiT-T4 #8 - 47.86% of £41,000
    • shangaijimmy
    • By shangaijimmy 10th Jul 17, 9:51 PM
    • 2,154 Posts
    • 9,673 Thanks
    shangaijimmy
    Long day on a Monday and a Monday currently sat in Baby SJ's room with her refusing to go to sleep! Delicate balance between just walking out though as we can't afford for her rage to wake up the 2 boys! She may well break me this one...! All I want to do is get a shower and get in bed...grr...!

    NSD today again (hardly surprising as I literally haven't stopped on my 11hr work day). All 6 eBay items paid for, but not had chance to post, so hoping to do that tomorrow. I did manage a £1 TT to start the weeks pot off, which is always nice.

    Oh and I've no done packed lunches yet for tomorrow. So far my evening has been, home from work at 8.20. Had tea at 8.30, put DS1 in bed and then been sat in nursery since 9pm... grrrrr...! Mrs SJ goes the gym when I get in!

    Night all.
    MFW: Turning June 2036 into March 2023... 29//120 Payments Challenge, Diary Reduction £30,703.25
    Aug 2009: £163,051 // Current: £105,296.75 // Avg Daily Interest £4.73
    MFiT-T4 #8 - 47.86% of £41,000
    • Kittenkirst
    • By Kittenkirst 11th Jul 17, 7:08 AM
    • 1,516 Posts
    • 7,701 Thanks
    Kittenkirst
    Does Mrs SJ make your tea for you when you get in

    Hope that you got the little one to settle early enough!
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
    • shangaijimmy
    • By shangaijimmy 11th Jul 17, 8:21 AM
    • 2,154 Posts
    • 9,673 Thanks
    shangaijimmy
    Thankfully Mrs SJ is a fantastic cook, so tea always ready when i get in from a late one! She then puts DS2 in bed while i eat, then she heads out.

    Well baby SJ finally passed out at 9.55pm, so after an hour and lasted till 5.30am which is a bonus. I on the otherhand had a shocker. Bad hayfever kick started at about 2am, which brought on my asthma. So at 2.15 i was rooting round in the car for my inhaler (I'd heard it drop out of my pocket in the car). Hayfever tablet had no effect, my nose was like a tap! At 3 am the toilet roll had run out and typically we keep the rolls on the middle floor, so back out of bed and trooping downstairs (again)! At 3.30 i resorted to a cold flannel over my face as the only way to try and get to sleep!

    So now this morning i have the after effects of a bad hayfever do, and still with hayfever due to the rain which always makes mine worse. And a sore chest from the asthma. And 3 kids that seem to bouncing off the walls!!

    Going to feel like a long day in work today...!

    32p TT's this morning by the way.
    MFW: Turning June 2036 into March 2023... 29//120 Payments Challenge, Diary Reduction £30,703.25
    Aug 2009: £163,051 // Current: £105,296.75 // Avg Daily Interest £4.73
    MFiT-T4 #8 - 47.86% of £41,000
    • Retro.Monkey90
    • By Retro.Monkey90 11th Jul 17, 2:56 PM
    • 60 Posts
    • 203 Thanks
    Retro.Monkey90
    Hope it wasn't too excruciating today SJ! Good job for keeping up with your diary through that lot, I would have given up very early on
    Original Mortgage: £134k Sept 2044 Current Mortgage: £126k Neutral Oct 2039
    Ideal goal: TBC
    Bonus OPs made 2017: 7 total= £159.91
    Save
    Save
    • atypicalblonde
    • By atypicalblonde 11th Jul 17, 5:22 PM
    • 2,301 Posts
    • 13,988 Thanks
    atypicalblonde
    Oh I remember the bedtime battles well. I got to the point with DS when I just couldn't cope with the messing around every bedtime anymore (DH worked away during the week and I had two under 2), so DD went to grandma's for 3 nights and I just left DS to grumble himself to sleep. Worked like a charm, saved my sanity and he got much more sleep - win win.

    Hope you sort it soon - evenings are precious times x
    MFW
    Mortgage 8.2.15 - £171,064.64 Mortgage 5.6.17 - £123,900
    Aiming to be MF 1.10.2020
    • shangaijimmy
    • By shangaijimmy 11th Jul 17, 7:21 PM
    • 2,154 Posts
    • 9,673 Thanks
    shangaijimmy
    Perseverance is the key to this battle i think ATB!

    Busy day today but constantly on the go so the tired only hit me when i stopped. Picked DS1 up from cricket club at 4.30 then home. Sorted his tea out, then when Mrs SJ came home i nipped out for 30mins with the dog whilst there was a break in the rain. Then loaded DS1 in the car, picked his mate up and dropped off at Cubs. So at 6.40 when i sat down for my tea i realised i was shattered.

    I did manage to catch a few minutes of the tennis, but nowhere near as much as i'd hoped for. For a MB update i reckon i'll have made £120 or so from Wimbledon once its all finished.

    Mrs SJ is having a pre gym snooze (she's been on a course this week and this morning was up at 5am). So when she heads off to the gym i'll sort the tribe out for bed! Let the 9pm baby battle commence...
    MFW: Turning June 2036 into March 2023... 29//120 Payments Challenge, Diary Reduction £30,703.25
    Aug 2009: £163,051 // Current: £105,296.75 // Avg Daily Interest £4.73
    MFiT-T4 #8 - 47.86% of £41,000
    • Kittenkirst
    • By Kittenkirst 11th Jul 17, 7:26 PM
    • 1,516 Posts
    • 7,701 Thanks
    Kittenkirst
    Good luck!
    Emergency savings- £3750.96 /£6000
    Mortgage Oct '16- £170.995 LTV- 90% end date Nov 2041
    2016 OPs £255.50/£150
    2017 MFW #20 - OP £1743.34/ £2150. 81%
    Jan- £68.21, Feb- £306.67, March- £272.01 April-£324.05 May £120.33 June £279.15 July: £172.36 Aug: £203.24
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,618Posts Today

7,934Users online

Martin's Twitter