We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Countdown to Freedom

178798183841037

Comments

  • TigerTanaka
    TigerTanaka Posts: 35 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    fishfins wrote: »
    Hi Tilly, just catching up on your diary. Great news about the new mortgage! I'm also very glad I didn't switch to Santander so thanks :o

    Thanks Lois, great idea!! I have a graph like that which is so huge I can't see any difference when I overpay. Time to hit the spreadsheet :D

    Highly entertained by the spreadsheet conversation (also happy that it is not just me). Mine has months on the top, categories on the left and costs in the middle.

    I have 5 sections (spend, savings, pension accurals, ISAs (with built in formulas to calculate values based on end of month unit trust prices for stocks & shares ISAs) and mortgages.

    It goes back to March 2006 and forecasts forwards to December 2013 (mortgages forecast to end of term) which enables be to foecast my future spend as well as analyse it going back. Once the actual spend goes out of my account I highlight the cell in yellow (changing the value if my forecast is different).

    Have a few graphs too but nothing like Lois_E's impressive selection
  • Needhelpsaving
    Needhelpsaving Posts: 1,083 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Wow! You guys are putting my spreadsheet to shame!! (and I have never heard of half of the tables etc you are talking about :o)

    Congrats on your move from Santander Tilly :j
    2022 Target - Reduce new mortgage balance after house move - Part 1 (Ported) Starting balance £39,982.12 currently £37,242.19 Part 2 Starting Balance £101,997.88 currently £96,197.38 (as at 19/04/2022)
  • coldcazzie
    coldcazzie Posts: 1,407 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Wow! You guys are putting my spreadsheet to shame!! (and I have never heard of half of the tables etc you are talking about :o)

    Glad it's not just me! :rotfl: I have spreadsheet envy LOL

    I'll admit to being a bit of a spreadsheet-aholic, but these guys take it to a whole new level! I've only just started doing a monthly overview of all our accounts! Hehe :D

    It's amusing nonetheless ;)
    Rule 7: If you're not changing it, you're choosing it.
    MFW 2020: 1 Jan £92903.90 ~ OP £536.80/£500
    MFW 2021: 1 Jan £89281.21 ~ OP £404.62/£500
    MFW 2022: 1 Jan £85579.20 ~ OPs on hold.
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I spent 30 minutes today learning about pivot tables :T
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Lois_E wrote: »
    Oooh standard deviation. I'm well impressed. I can remember what one is, but it's never occurred to me to use one for my personal finances.

    Go on, ATT, share with the class.... what have you got on your spreadsheets?

    PS Loving the prawn idea, Radish. :)

    Hi Lois, lol, no probs I will share but it will likely be over the weekend. I started my spreadsheet in 2006 and it's grown to ridiculous proportions and I sometimes look at the formulaes in their and think I might need to engage Bill Gates to help me unpick them :rotfl:I sometimes think it's all got to complex (knowing how to do something fancy is not always a good reason for doing it :D) and that I should start again but I don't quite think I can face the task

    I certainly don't have standard deviation on there but when you think about it it might be an interesting experiment to see what might be out of the norm or, and this next bit is for my fellow geeks out there, what is outside the LCL's and UCL's ;)

    Anyone for mini-tab? :rotfl::rotfl::rotfl::rotfl::rotfl:
    MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
    Original Mortgage o/s £187,643 / £71,904 (-115,739)
    Repay o/s £92,661 / now £55,900 (-36,761)
    Int Only o/s £94,982, now £16,004 (-78,978)
    Total daily interest £1 [a) £0.77 b)£0.23
    Total OP's:2018 target £TBC YTD £1,995
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Radish72 wrote: »
    I spent 30 minutes today learning about pivot tables :T

    Yay, go Radish :j Did you enjoy it, they are fab aren't they!
    MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
    Original Mortgage o/s £187,643 / £71,904 (-115,739)
    Repay o/s £92,661 / now £55,900 (-36,761)
    Int Only o/s £94,982, now £16,004 (-78,978)
    Total daily interest £1 [a) £0.77 b)£0.23
    Total OP's:2018 target £TBC YTD £1,995
  • abouttimetoo
    abouttimetoo Posts: 1,860 Forumite
    Part of the Furniture Combo Breaker
    Hi Tilly

    Thank goodness it's the end of the week, actually, scrap that, thank goodness the last month is over! I've had a hard few weeks but I'm just managing to get on top of things now though I think a few hours work to-morrow is ahead for me. I decided to knock off about an hour ago as my brain is fried and to try to do anymore would just result in a poor job or poor decisions!

    I don't know about you but I think it's been far too long since we had some corporate speak to look down our noses at on here so how about this one, after a hard month of deep diving, snorkelling, four eyes checks and mining the intelligence it's time for an oxygen check. What do you think of that all, does it pass muster?

    Last but certainluy not least, what marvellous news that you are finally with FD Tilly, can see all your accounts and have even made a test OP, well done to the Tilly family, you are doing great :beer:


    PS, your weight loss is amazing too, go Tilly, go Tilly, go Tilly :j
    MFW Start Date 1.4.08. Updated 23.1.18. MFW date 1.8.18
    Original Mortgage o/s £187,643 / £71,904 (-115,739)
    Repay o/s £92,661 / now £55,900 (-36,761)
    Int Only o/s £94,982, now £16,004 (-78,978)
    Total daily interest £1 [a) £0.77 b)£0.23
    Total OP's:2018 target £TBC YTD £1,995
  • unhappy_shopper
    unhappy_shopper Posts: 1,304 Forumite
    My rather-basic spreadsheet has been put to shame by the sophisticated ones you have been talking about. May I please request you to post one of your examples for other MFWs? Thanks in advance. I think, my problem is one of lack of creativity rather than knowledge of the intricacies of spreadsheets :-(
    Mortgage: @ Feb. 2007: £133,200; Apr. 2011: £24,373; May 2011: £175,999; Jun 2013: ~£97K; Mar. 2014 £392,212.73; Dec. 2015: £327,051.77; Mar. 2016: ~£480K; Mar. 2017 £444,445.74
  • TigerTanaka
    TigerTanaka Posts: 35 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    My rather-basic spreadsheet has been put to shame by the sophisticated ones you have been talking about. May I please request you to post one of your examples for other MFWs? Thanks in advance. I think, my problem is one of lack of creativity rather than knowledge of the intricacies of spreadsheets :-(

    Will try and post one over the weekend if I can for you. No pivot tables (although I do love them) but it works well for me.

    I think abouttimetoo is right, my spreadsheet has evolved over time from being quite simple to having more and more formulas. Would seriously recommend to anyone about forwards forecasting their spreadsheet for at least 12 months so see any nasty suprises coming up (annual insurance) plus any "bonus months" (like Feb and March when I have no council tax or water rates to pay).
  • Radish72
    Radish72 Posts: 2,075 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Anyone for mini-tab? :rotfl::rotfl::rotfl::rotfl::rotfl:

    NO NO NO NO NO, doing it at work is bad enough
    Mortgage Aug 12 £165K, Aug 19 £0
    ISA challenge start 2019 £3000/£1500 (50%)
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 601K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.