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Hope is not an Effective Financial Strategy

edited 3 March at 8:18PM in Mortgage-Free Wannabe
3.8K replies 314.9K views
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Replies

  • shangaijimmyshangaijimmy Forumite
    3.5K posts
    Part of the Furniture 1,000 Posts
    ✭✭✭✭
    Chunky £1 TT'd this morning. No sign of FU refund yet,but I have had several sales phone calls off them. I said i have an online account and prefer that method so email me a quote. Reply was that the offer was over the phone only! What's the point in tickng bixes for only give offers via email?

    M&S account stuff arrived and all signed ready to post today. Then get switch started. Kids school uniforms sorted with gift card hopefully!
    MFW: Was: £136,000.......Now: £73,674.67......Reduction: £62,326.42... in 5yrs 4mths!
    Mortgage Neutral Target - Feb 2025...£66,409.77 remaining
    MFiT-T5 #8 - £10,313 of £23,100 (44.65%)
  • shangaijimmyshangaijimmy Forumite
    3.5K posts
    Part of the Furniture 1,000 Posts
    ✭✭✭✭
    Well I've stayed with First utility! They were cheapest by £3 per month, which outplays any £30 cash back by £6. Plus other than the phone call, I've actually found them ok!
    MFW: Was: £136,000.......Now: £73,674.67......Reduction: £62,326.42... in 5yrs 4mths!
    Mortgage Neutral Target - Feb 2025...£66,409.77 remaining
    MFiT-T5 #8 - £10,313 of £23,100 (44.65%)
  • chumpy45chumpy45 Forumite
    495 posts
    Sixth Anniversary 100 Posts
    ✭✭
    Well done on negotiating a new deal. I have until October on current deal so have a little more time before the fun starts !
    Starting Mortgage 01.08.08 £171,209.24. [STRIKE]01.08.16 £42,418.93[/STRIKE]; [STRIKE]01.02.17 £36,584.00[/STRIKE]; [STRIKE]01.04.17 £34,694.7[/STRIKE]1 [STRIKE][STRIKE]09.06.17 £32,828.89 MFW Target date Sept 2017; :[/STRIKE][/STRIKE]) [STRIKE]06.08.18 £24,769.47[/STRIKE] [STRIKE]01.11.18 £23,825.00[/STRIKE] [STRIKE]22.01.19 £21,990.00[/STRIKE] [STRIKE][STRIKE]06.02.19 £21,200[/STRIKE][/STRIKE] [STRIKE]03.03.19 £19,862.93[/STRIKE][STRIKE]01.05.19 £18,509.63[/STRIKE] [STRIKE]01.08.19 £16,750.00[/STRIKE] [STRIKE]01.10.19 £15,400.00[/STRIKE] [STRIKE]01.11.19 £14,700.00[/STRIKE] 01.12.19 £13,956.00 01.02.20 £12,503.61 01.04.20 £10,999.00
  • debtfreeonedaydebtfreeoneday Forumite
    3.4K posts
    Part of the Furniture 1,000 Posts Name Dropper PPI Party Pooper
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    Well done on new deal!
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £68,031.51
  • shangaijimmyshangaijimmy Forumite
    3.5K posts
    Part of the Furniture 1,000 Posts
    ✭✭✭✭
    Nice to save money, but a touch gutted that no cash back!!

    Anyway £1 TT'd today, got dentists this morning after school run then an assignment that I'm determined to complete so no MSE until it's done!
    MFW: Was: £136,000.......Now: £73,674.67......Reduction: £62,326.42... in 5yrs 4mths!
    Mortgage Neutral Target - Feb 2025...£66,409.77 remaining
    MFiT-T5 #8 - £10,313 of £23,100 (44.65%)
  • shangaijimmyshangaijimmy Forumite
    3.5K posts
    Part of the Furniture 1,000 Posts
    ✭✭✭✭
    Dentists done, prep work electrician done, eBay sales 4, assignment FAILURE... Didn't even open my folder or word document!
    MFW: Was: £136,000.......Now: £73,674.67......Reduction: £62,326.42... in 5yrs 4mths!
    Mortgage Neutral Target - Feb 2025...£66,409.77 remaining
    MFiT-T5 #8 - £10,313 of £23,100 (44.65%)
  • A_Frayed_KnotA_Frayed_Knot Forumite
    3.2K posts
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
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    3 out of 4's not bad ;)
    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
    Now selling everything that's not nailed down - I Will Declutter !!!:D
  • debtfreeonedaydebtfreeoneday Forumite
    3.4K posts
    Part of the Furniture 1,000 Posts Name Dropper PPI Party Pooper
    ✭✭✭✭
    Don't be too hard on yourself! I'm sure you will get to it at some point
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £68,031.51
  • CathTCathT Forumite
    6.8K posts
    Tenth Anniversary 1,000 Posts Name Dropper
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    I don't know how you find time to do all that you do. Think of how good you'll feel once assignment out of the way.

    I retrained at MSc level a couple of years ago. I really missed MSE during that year!
    August 2020 - part 1 - £60,070 part 2 - £39,511
    Total - £99,581 87 months to go!
  • chumpy45chumpy45 Forumite
    495 posts
    Sixth Anniversary 100 Posts
    ✭✭
    You will get there with the assignments. Sometimes it's just not the right day !
    Starting Mortgage 01.08.08 £171,209.24. [STRIKE]01.08.16 £42,418.93[/STRIKE]; [STRIKE]01.02.17 £36,584.00[/STRIKE]; [STRIKE]01.04.17 £34,694.7[/STRIKE]1 [STRIKE][STRIKE]09.06.17 £32,828.89 MFW Target date Sept 2017; :[/STRIKE][/STRIKE]) [STRIKE]06.08.18 £24,769.47[/STRIKE] [STRIKE]01.11.18 £23,825.00[/STRIKE] [STRIKE]22.01.19 £21,990.00[/STRIKE] [STRIKE][STRIKE]06.02.19 £21,200[/STRIKE][/STRIKE] [STRIKE]03.03.19 £19,862.93[/STRIKE][STRIKE]01.05.19 £18,509.63[/STRIKE] [STRIKE]01.08.19 £16,750.00[/STRIKE] [STRIKE]01.10.19 £15,400.00[/STRIKE] [STRIKE]01.11.19 £14,700.00[/STRIKE] 01.12.19 £13,956.00 01.02.20 £12,503.61 01.04.20 £10,999.00
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