Hope is not an Effective Financial Strategy

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  • Lynplatinum
    Lynplatinum Posts: 939 Forumite
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    Whooo Hooo well done Jimmy - you have been an inspiration this year! Keep going mate!

    Am off on a coach trip with some mates for a few days and wont get internet and am really lookin forward to the figures!!!
    Nite all
    Aim for Sept 17: 20/30 days to be NSDs :cool: NSDs July 23/31 (aim 22) :j
    NSDs 2015:185/330 (allowing for hols etc)
    LBM: started Jan 2012 - still learning!
    Life gives us only lessons and gifts - learn the lesson and it becomes a gift.' from the Bohdavista :j
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Thanks lyn, and more importantly thanks for reading my ramblings as that keeps me posting!

    £1 TT'd with my morning brew. Accounts all in order and I just need 30mins to post accounts. Fingers crossed baby SJ is asleep after school run as Mrs SJ is leaving me in charge whilst she heads to the gym.
    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
  • Moneyfordreams
    Moneyfordreams Posts: 2,442 Forumite
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    It's the part of the month I look forward to too.. keep it up SJ and drag me along :D
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Glorious morning so dog walk with pram in tow! Accounts will have to wait till tonight now!
    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
  • diamondsonly
    diamondsonly Posts: 241 Forumite
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    Hi SJ,


    Disappointed that i'll have to wait until tonight but gives me something to look forward to to get me through the work day!!

    Enjoy the walk and time with baby x
    1.7.15: £157,469.64, 10.02.16: £93,434.74
    FIT-4 #34, MFW 2016 #89 (£7350/24000)
    Target MFW Dec 2018
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Well here goes...best time of the month!

    Pleased to report we've had our best ever month!:j
    • Total Overpayments - £884.36
    • Net Reduction - £1,362.90
    • Daily Interest Now - £6.66
    • Closing Balance - £122,131.48
    • Percentage Loan Left - 89.80%
    • LTV - 55.26%

    Comparison to March 2015
    • Balance - £134,917.58//£122,131.48
    • Daily Interest - £7.36//6.66
    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
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
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    Great numbers, SJ!
  • ourcornercottage
    ourcornercottage Posts: 1,526 Forumite
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    Fantastic month there SJ :)
  • lippy1923
    lippy1923 Posts: 1,374 Forumite
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    Luvin the figures SJ.

    New month begins tomorrow :)
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
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    awesome figures SJ.. lost at the daily interest reduction!!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
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