Hope is not an Effective Financial Strategy

shangaijimmy

Lippy I'm pretty sure you choose which dd's to swap. Halifax is defo one to keep for the rewards. We've got 3 and only use it to put money in for about 2 mins a month. We then have tesco savings to take the £5 rewards via direct debit. They swiftly get paid to mortgage account!

We have 35 items ending on ebay tonight. So far only 1 with a bid, so we'll see if a couple more sell. That money goes to Mrs SJ's spend fund but its great to get some clutter out the house.

Luckyinlife

good luck with sales :]

shangaijimmy

Well the sales didn't go great with only 1 item selling! Still they've all been relisted (for free naturally) so fingers crossed a few will go this week.

lippy1923

Ah well at least 1 item is gone

shangaijimmy

Absolutely nothing to report other than its 2 days until i get to post my April dealings and update signature. The obsession with figures...

Oh there was one thing to report in that i haven't received my switching bonus yet and am expecting it today/tomorrow.

shangaijimmy

Switching bonus arrived this evening and was swiftly transferred to the mortgage. No hesitation, no second thoughts...

Tomorrow is a new month which means i'll post Aprils mortgage details and update signature in the morning, which i must say are rather impressive and have us slightly ahead of target, ...though it is only payment 2 of 120!!

Other job for tomorrow is to apply for 2 FD credit cards to claim the £25 each!

In other news our solitary sale from last weekend has resulted in a non payment...AARRGH!!!

lippy1923

:j woohoo for payment 2 of 120 lol

My DD goes out for my mortgage tomorrow so will be 1 step closer to mortgage free

Unlucky for the non payment! But good news for the FD Bonus.

shangaijimmy

5000 views too, can't believe that!! Thanks to all readers.

shangaijimmy

In readiness for tomorrow can anyone tell me how i can post an image of my spreadsheet, or how i can post a link that can be kept on the 1st post?

Just bear in mind i'd probably need an idiot guide :D

shangaijimmy

Here's a link to our mortgage accounts. It's got the first 2 months out of our 120 month challenge!
https://drive.google.com/file/d/0B-RWg-v4lfUubDRoMW1PaktlbGc/view?usp=sharing

I'm going to keep a link on the first post of the up to date one so people can have a quick glance.

I'll also got a link to our yearly schedule, with predicted.expected track for the course of our current 2yr fix.
https://drive.google.com/file/d/0B-RWg-v4lfUuT2RVeGFTUUEzYjQ/view?usp=sharing

Hope this is a good way of viewing it. Let me know peoples thoughts.

Overpayment Sources:

• £423 - Regular Overpayment
• £100 - Switch Bonus
• £15 - Halfiax Rewards
• £5.05 - Current Account Sweeps
• £8.31 - Nationwide Interest
• £6.96 - TSB Interest
• £558.32 - Total