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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

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
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 selection1 -
Wow! You guys are putting my spreadsheet to shame!! (and I have never heard of half of the tables etc you are talking about
)
Congrats on your move from Santander Tilly :j2022 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)1 -
Needhelpsaving wrote: »Wow! You guys are putting my spreadsheet to shame!! (and I have never heard of half of the tables etc you are talking about
)
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
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.1 -
I spent 30 minutes today learning about pivot tables :TMortgage Aug 12 £165K, Aug 19 £0
ISA challenge start 2019 £3000/£1500 (50%)1 -
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
) 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 £1,9951 -
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 £1,9951 -
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 :jMFW 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 £1,9951 -
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
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unhappy_shopper wrote: »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).1 -
abouttimetoo wrote: »Anyone for mini-tab? :rotfl::rotfl::rotfl::rotfl::rotfl:
NO NO NO NO NO, doing it at work is bad enoughMortgage Aug 12 £165K, Aug 19 £0
ISA challenge start 2019 £3000/£1500 (50%)1
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