Onwards to freedom!

shangaijimmy

Just played catch up with your diary and its definitely got me thinking about our net worth calcs, and furthermore our retirement plans. Although we pay into our pensions and i think we're in decent shape, we haven't actually got a plan. That in itself is very unlike me, so i think i need to spend some time formulating. A Quick questions if thats ok? How do you post a table into your diary (it'd make my accounts posting much easier), and can you given me a guide.

SuperSecretSquirrel

Thanks MFD and SJ

The table can be a bit fiddly Jimmy, quote my post above to see the code used to build it. I suggest creating a table in notepad, using spaces not tabs to line up the columns, then pasting into a reply on here. Set the font to courier new, and wrap with "code" tags, and it should format correctly. You can preview the post to check.

I've created a spreadsheet with a load of formulas in that actually builds the summary section of each net worth update post for me, but to start off I did it manually in notepad

Freeedom

Loving this thread, so subscribing and going to read from start.. I'm at a similar point now, mortgage just paid off this month, after years of OPs and lurking on this site! Now on to getting the pension pot boosted! Woo!

SuperSecretSquirrel

Freeedom wrote: »

Loving this thread, so subscribing and going to read from start.. I'm at a similar point now, mortgage just paid off this month, after years of OPs and lurking on this site! Now on to getting the pension pot boosted! Woo!

Nice! Congrats on the mortgage payoff, and welcome to MSE!

turtlemoose

oh my, the idea of a spreadsheet detailing every spend for a year gets me VERY excited

I think I'm going to pinch that! I'd love to read your analysis, if you decide to share.

SuperSecretSquirrel

Thanks TM Try not to mention your excitement outside of MSE, no doubt that kind of talk in the real world could get someone sectioned

I've not spent any time carving up the data yet, it has been a very busy week! I'll get round to it at some point, and no doubt I'll share on here if I unearth anything worth posting.

£25 pb win this month, now I'm just waiting for the 6k I've cashed in to arrive and I can settle the slow stooze card.

Credit score holding steady at 646... Seems they forgot to reset the random number generator this month :rotfl:

shangaijimmy

You've done well overall with those PB wins.

SuperSecretSquirrel

Hi Jimmy It's certainly fun looking forward to the draw, and the thought of there being a miniscule chance (it's still a chance!) of winning a million is quite exciting, but it hasn't been particularly lucrative so far. The average balance is 46k (6 months at 50k and 3 months at 38k), and in nine months I've won £350. Assuming the rest of the year pans out fairly similarly, I'm looking at a 1% annual return.

I could possibly squeeze more out of the money by opening an obscene number of current and regular saver accounts and juggling funds between them (and ensuring the funds required are accessible when the 0% periods end), but I've already got enough of that going on in my life At the end of the day the PBs are a bit of fun mostly funded by free 0% stooze money, so I'm very happy to keep it simple and take the 1%! I'd be even happier to win a million, that would be insta-retirement right there, but 1% and a daydream or two is fine by me

edinburgher

My credit score also remained static, although I'm planning on crashing it next month

Because I have a few cards with whatever the HBOS group is called now, I need to try and close down another 1-2 so that I have banks who will actually lend me money at BT time.

SuperSecretSquirrel

Same here ed, I have cards with generous credit limits with each of their brands... The slow stooze card is one of them, so once the balance is paid off I need to decide if I should close it and be eligible for new customer 0% BTs next year, or keep it open with zero utilisation in the hopes of an existing customer 0% BT offer.

Not the end of the world if I can't BT next year as I can pay off the balances if required, but if I can keep the free money machine running a little longer it would be silly not to!