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Hope is not an Effective Financial Strategy

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  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Oh talktalk broadband switch is all done and up and running too. Have to say its been very smooth and had no issues with connection.
    MFW: Was: £136,000.......Now: £47,736.58......
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Excellent news on homecoming, going to be a very busy household now :D

    Fab OP SJ. Just been spreadsheet fiddling here too, 5 sleeps to my next payment!

    Good to hear the switch went well and another job off the list!

    Enjoy family time :)
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • cookie9
    cookie9 Posts: 764 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Congratulations. Glad mother and daughter both doing well.
    MFW 91 op 2014 £410/1000
    MFW 91 op 2015 £4051/4000
    MFW 91 op 2016 £4040/4000
    MFW 91 op 2017 £812/4500
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Nice no bank spend yesterday so a lovely whole £1 TT'd this morning. So at £14.31 I'm getting back on track towards the £20 target. More than likely another no bank spend day today as well, so you know what that means for tomorrow morning...

    All quiet otherwise. DD is settling in with her 2 brothers and dog so an in house day for most of it (I'll sneak out for a run and a dog walk...).
    MFW: Was: £136,000.......Now: £47,736.58......
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Great to hear you are all home together.. enjoy the family time!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Really quick post in between school and beaver runs. £13.15 received from Quidco and quickly dispatched to the mortgage. Followed with a 21p TT.

    Payday today, which means paying out day tomorrow. Money shuffles done for the various accounts and can now say that it's 6 days till accounts posting...!

    5 items sold over the weekend for modest gains. But it's 5 things removed from the house and some more money to the Mrs SJ post baby clothes funds. Interestingly we've sold 74 things since Nov and gave 73 items remaining from tag whopping pile of clutter!
    MFW: Was: £136,000.......Now: £47,736.58......
  • debtfreeoneday
    debtfreeoneday Posts: 5,013 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Good selling stats Mr SJ!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • velocity_girl
    velocity_girl Posts: 963 Forumite
    Eighth Anniversary 500 Posts
    Congrats on the new arrival SJ, great news
    2018 wins: Aspinal of London jewellery box, Boudavida gym outfit, HP Pavilion laptop, The List party tickets, All Points East festival tickets, Kiehls moisturiser, By Terry cc serum, Nars Liquid Bronzer, Benefit highlighter, Nars illuminator, Fresh advanced lip trio set, Cetaphil sample set, signed copy of My Absolute Darling by Gabriel Tallent
  • Lynplatinum
    Lynplatinum Posts: 939 Forumite
    Evening all

    Congratulations SJ and Mrs SJ. Glad all went well.

    However you keep your mind on monies so well at such a busy time SJ I dont know :-) Mrs SJ must be a v competent mum!!
    Have written down tilly tidies but its late and i need me bed so will report tomorrow.
    Take care
    Aim for Sept 17: 20/30 days to be NSDs :cool: NSDs July 23/31 (aim 22) :j
    NSDs 2015:185/330 (allowing for hols etc)
    LBM: started Jan 2012 - still learning!
    Life gives us only lessons and gifts - learn the lesson and it becomes a gift.' from the Bohdavista :j
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Lynn what are you doing up at that time?? I've usually had approaching 2 hrs by that time!!

    To be honest our finances and money is my little switch off. I wouldn't settle if I hadn't had a quick look at things, so it helps me to feel like its just a normal time.

    Anyway onto important matters. 19pTT'd this morning and at £14.71 I'll definitely fail with my £20 TT monthly target. Got 5 TT's left for Jan and £5.29 to find, as £1 is my maximum TT amount I'm done for!

    You all know that I'm tempted to round up to £20 though don't you...??
    MFW: Was: £136,000.......Now: £47,736.58......
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