Hope is not an Effective Financial Strategy

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  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
    First Anniversary Name Dropper Photogenic First Post
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    :T well done, you do well with your present ideas :T
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    First Anniversary Debt-free and Proud!
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    Good job jobbed on the gifts. Well done! :T
    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
  • mrsp1987
    mrsp1987 Posts: 815 Forumite
    First Anniversary First Post Wedding Day Wonder Cashback Cashier
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    Well done. Maybe you'll have a bit more confidence in your choices now :beer:
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
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    Definitely no confidence! Last year there was a wall of silence for 12hrs!
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
  • mrsp1987
    mrsp1987 Posts: 815 Forumite
    First Anniversary First Post Wedding Day Wonder Cashback Cashier
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    Oh!
    Well kudos on a job well done this time round
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
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    Yikes, glad Mrs SJ was happy!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
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    :rotfl: :rotfl: :rotfl: Re. the gifts.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • EatingTheElephant
    EatingTheElephant Posts: 1,373 Forumite
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    Well done with the gifts.

    I feel your pain, I am rubbish at buying gifts, yet DH is the best present finder ever!
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
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    New week, new TT pot and pleased to start if with £1 whilst the account is already tidy! I should also get my halifax rewards in my tesco savers today so that £15 will go straight to mortgage. I've not actually got anything money wise on the horizon either. I need to swap DS1 savings account but that's not a priority.

    I do need to get back to running after a break with the dreaded cough, today's not an option so will steel myself for 3m tomorrow.
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
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    Just realised that this month i'll be able to post a comparison to Year 1's figures when i do my accounts! Thats so exciting as it'll really show how much we've progressed.

    Sad i know, but it lightens up a long slow Monday afternoon on a 11hr work day!
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
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