Hope is not an Effective Financial Strategy

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  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
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    ;) Your just too organised .... :p
    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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    I need to pull my finger out as work us really getting in the way of my diary! TT'd £1 today and 55p yesterday so all going well there as we hit the mud month slump (daily TT's really help to keep motivated).

    Nationwide are annoying me somewhat but I know it's not their fault (it's just they're not very friendly with it). I have childrens accounts with them for 2 of the terrors, and want to open another for number 3. So we nipped in to pick an application form up, but they won't give one or allow us to open without having an appointment and watching a video! I know exactly what I want, I have 2 others, I sorted a mortgage out myself but I need to watch a video for a children's savings account...! Does anyone really have time for an appointment?!?
    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
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    First Anniversary Debt-free and Proud!
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    Unfortunately had to do the same for DS's Reg Saver at [email]H@lifax...suspec[/email]t it's from the mis-selling fallout and tightened up ID stuff. Stops them getting fingers burnt in the future...wait til you see how much bumpf you come out with :eek: Half a tree springs to mind!
    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
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    I'm avoiding it like the plague at the minute, but know I need to get the deed done! Just need to man-up, keep my trap shut and suffer the 45mins of hell!
    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
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    Well 7 weeks post baby and we may well be emerging from the swamp and coming back to life! Mrs SJ has rejoined and been to the gym today, and we've made tentative plans to go the caravan this weekend. I can't imagine how much stuff we're going to need, but the weather looks favourable so we're determined to use every free weekend that I have this year (I work most weekends)!

    So in light of the previous post and will endeavour to get the deed done before we go!
    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
  • SueP19
    SueP19 Posts: 1,876 Forumite
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    Didn't know yo were a van'r :T:T:T

    Anywhere nice in mind :)
    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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    Family caravan in the lakes. Great site, swimming pool and play ground for kids. Not far from all kinds of attractions too.
    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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    :T ... Me too, family caravan right beside a Loch, great views and facilities.

    Heading up there mid next week hopefully for a week or so, as I stop Friday for 2 weeks :D
    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
  • SueP19
    SueP19 Posts: 1,876 Forumite
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    shangaijimmy wrote: »
    Family caravan in the lakes. Great site, swimming pool and play ground for kids. Not far from all kinds of attractions too.

    Was that way year before last at Penrith, wonderful place :D
    A_Frayed_Knot wrote: »
    :T ... Me too, family caravan right beside a Loch, great views and facilities.

    Heading up there mid next week hopefully for a week or so, as I stop Friday for 2 weeks :D

    We are heading your way in April..........Moray Firth, at this rates we won't have any spends but those mountains, to die for :T:T
    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
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
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    How you doing to hit your target of £700 OP this month?
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
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