Hope is not an Effective Financial Strategy

debtfreeoneday

Love your style SJ! Make those banks pay!

Lynplatinum

Hiya All

Am really on the money saving now as what with hospital car parking (£24) and extra petrol (£40) and one meal and two rounds of sanis and coffees out I am at least £100 out of pocket All in the great cause though of looking after DS1 + GFs doggies and cleaning their house while GF and GD1 had to stay in hospital for 5 days as GD1 was tiny! Both her parents are tiny folk and as I said you cannot get a cabbage out of Brussel Sprouts!

Need to get up to speed with Fleabay - although you dont make a vast profit SJ - seem to make something most weeks - have you ever added it up over say each month and then (soon) the first year of this diary???

So, my TTs are: Food budget: 0.92 Happy Stash £5.25. total = £6.17
This was achieved because I have not been out for a curry nite and only bought one meal deal £3.25 and a couple of drinks out!

I could go out to a social event tomorrow and am debating whether to go or not. I have loads to do in the house (having not been here all week!) and it would save money not to go out. I dont want to go out particularily but my friends might think Im being snooty as I usually always go on these things. I know Im lucky to have such decisions to make!! :rotfl:
Night all

newgirly

Hi shangaijimmy, catching up with your diary at the moment, but I am still around April last year

shangaijimmy

Lightening quick post before heading out to work. £1 TT'd this morning. 2 days to account posting, but may do it tomorrow night as Mondays aren't good for me!

Back tonight.

Hi, newgirly, sorry for you having to read so much tripe at once!!

shangaijimmy

Very busy day today, but have something to look forward to later as I'm finishing our February finances off and posting our accounts!

This morning I OP'd our TT pot which was £7 (included £1.38 from small change jar following eBay postage).

lippy1923

Barclays is the only other I can think of at the mo. Maybe hit topcashback/quidco and open some credit cards. Plenty of offers to choose from.

mrsp1987

lippy1923 wrote: »

Barclays is the only other I can think of at the mo. Maybe hit topcashback/quidco and open some credit cards. Plenty of offers to choose from.

I did that the other day. There was an offer on TCB of £31.50 for the Post Office CC but I've just checked and it's now £26.25. Bear in mind I've got that membership thing so if you haven't it'll be slightly lower CB.

EatingTheElephant

Great idea having a switching account that cycles around the banks collecting money

shangaijimmy

Think I'm going to avoid CC offers for the time being. Natwest and RBS are another I haven't hit yet so I'll keep them on the radar for current account t switch offers. I have at least 2 months before I can do anything else anyway so no rush.

Well epic fail to do Feb accounts last night. Mrs SJ opted for a bath, so with bots in bed nice and 'on time' I snatched the tv remote, stocked up on treats and a giant mug of tea and watched the revenant. i must say I was disappointed. In the main I'm a Leo fan (he doesn't do a bad performance), but I thought it was a bit long! My attention span must have plummeted with baby 3!

59p TT'd this morning and I promise I'll sift through and post our accounts at lunch...!

shangaijimmy

Well naughty SJ, I've left it very late to post but here goes:

• Total OP's - £786.32 :j
• Net Reduction - £1,276.32 :j
• Closing Balance - £123,494.36 :j
• LTV - 55.88%
• Loan Remaining - 90.80%
• Daily Interest - £6.73 :beer:

We've had a fantastic month for OP's to close out year 1 (further posts to discuss on their way), and we're really excited about the progress we're making. Overall we're well on track to finish this thing in 8 more years, but also acutely aware that things can quickly change. So we don't look too far ahead and are very happy to make hay whilst the sun shines!

Balance wise the 110k's are 3-4months away, and an ambitious mini challenge emerging is to remortgage in 12 months time for £110k!

So, thank you to all my crazy readers for keeping me motivated, you really have helped to accelerate our efforts.

MFW :money: