Hope is not an Effective Financial Strategy

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  • SueP19
    SueP19 Posts: 1,876 Forumite
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    Love comparisons :j:j:j
    Debt Free Diary - Second Chances! Life in a Tourer........Tilly Tidy Founder in 2016, Tilly Tidy 2023 £17.43, NSD Jan 2023 9/10, Debt £13,491.65
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    56p TT'd this morning, and more significantly £15 of Halifax rewards OP'd! March is well and truly up and running!
    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
  • jodles16
    jodles16 Posts: 1,477 Forumite
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    Hey SJ, looking forward to your comparison! TTs are going very well as always! Keep up the fab work!

    Jodles :D
    MFW2020 #115 250/3000 J-250
    1% challenge- /1525
    Save 1k in 2020- /3000

    Joining in UberFrugalMonthChallenge set up by the Frugalwoods!
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Thanks jodles. Just TT'd another £1 this morning. Bank account looks very healthy and Mrs SJ gets paid on Friday so I'm just weighing how much of a bonus OP to send. Thinking about £50 but just need to do some calculations first! Determined to get another £800 OP month whilst there's no council tax to pay!
    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
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
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    shangaijimmy wrote: »
    56p TT'd this morning, and more significantly £15 of Halifax rewards OP'd! March is well and truly up and running!


    I didn't get my reward - my switch completed 4th of the month, so maybe that's why - not a complete month:(
    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
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Wow, quiet week for me on here, and didn't even sneak a visit yesterday! I've been on with TT's and sent £1 this morning. The pot for the week is currently £5.37 with tomorrow to go before OPing it.

    Mrs SJ got paid yesterday and account was in good health so I've been weighing up how much of a bonus OP to make. I couldn't decide between £30 and £40, so opted for £50!

    Coop to Yorkshire bank switch completed on Thursday, so now a 60 day wait fir the £150 so I need to remember to shuffle in and out £1k for March and April.

    Lastly Mrs SJ is now ready to return to gym membership so that's £10 a month I need to rebudget for. When she cancelled for pregnancy last year I temporarily allocated the cash to OP's but we all know that's not moving back!
    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
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
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    shangaijimmy wrote: »
    Wow, quiet week for me on here, and didn't even sneak a visit yesterday! I've been on with TT's and sent £1 this morning. The pot for the week is currently £5.37 with tomorrow to go before OPing it.

    ........... couldn't decide between £30 and £40, so opted for £50!

    .......... last year I temporarily allocated the cash to OP's but we all know that's not moving back!


    Loving this ......:rotfl: ...that's the way .... :beer:
    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
  • mrsp1987
    mrsp1987 Posts: 815 Forumite
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    Mr SJ, you seem to be the master of current account switching. Am I right in thinking that if I open a current account that requires a minimum pay in of £1000 p/m to get the interest advertised I can just set up a standing order from my current account with another bank to the new current account and then set up another standing order for the following day to send it back?
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
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    Good going that man! £50..
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Mrsp - you can shuffle that way, or manually do it via after transfers which arrive within minutes. I favour the faster transfers approach and box them all off in a 10 min period. So...
    FD to TSB1, TO TSB 2, TO Halifax 1, to Halifax 2, to Halifax 3, to coop/Yorkshire, then back to FD.
    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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