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Hope is not an Effective Financial Strategy

edited 3 March 2020 at 8:18PM in Mortgage-Free Wannabe
4.1K replies 339.7K views
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  • shangaijimmyshangaijimmy Forumite
    3.7K Posts
    Part of the Furniture 1,000 Posts Name Dropper
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    Technically I've got loads of time yet, deadline is 28th... 2,500 words or which I've done 350!!

    Anyway, I OP'd my TT pot this morning with the weekly total being £6.63. I then restarted it with a whole £1 so off to a good start for the week.

    Had a good eBay weekend with 10 sales. Not massive profit but cash towards DS2 birthday and more importantly 10 things out of the house. All unsold items relisted, so 52 items on the go for next weekend.

    Car insurance on the horizon and we have a multi car policy so need to be on the ball with that.
    MFW: Was: £136,000.......Now: £68,202.78......
    Mortgage Neutral Deficit: £54,331.22... Mortgage Neutral Savings: £13,871.45
    MFiT-T5 #8 - £17,522 of £23,100 (75.85%)
    1% Mortgage Challenge - £411.69 of £705
  • A_Frayed_KnotA_Frayed_Knot Forumite
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    Oh, yeah, loads of time yet. Just 307 words a day should do it :rotfl:

    Great going with the sales this weekend:T. I'm fair out of practice listing - its taking me ages, doesn't help when I pop over to the diaries every now and then :o


    I.m exhausted now, so sleep time.
    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
  • debtfreeonedaydebtfreeoneday Forumite
    4K Posts
    Part of the Furniture 1,000 Posts Name Dropper PPI Party Pooper
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    28th? That's like over a hundred hours away - no problem!
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £59,986.52
  • shangaijimmyshangaijimmy Forumite
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    You can't count the sleep hours surely??? Definitely need to box it off this week, and have a lab for 1000 words tomorrow and Thursday.

    £1 TT'd this morning and 5 days to payday, which we definitely need.


    Big vote on Thursday will no doubt consume all the news this week. We've already voted given the ease of postal voting.
    MFW: Was: £136,000.......Now: £68,202.78......
    Mortgage Neutral Deficit: £54,331.22... Mortgage Neutral Savings: £13,871.45
    MFiT-T5 #8 - £17,522 of £23,100 (75.85%)
    1% Mortgage Challenge - £411.69 of £705
  • chumpy45chumpy45 Forumite
    495 Posts
    Sixth Anniversary 100 Posts
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    350 words ? almost finished then!! Great ebay sales - well done. Am loving the phrase "box it off" , have never heard that before :)
    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
  • shangaijimmyshangaijimmy Forumite
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    I'm full of bizarre phrases!

    Ebay postage done, cheque paid in for osteopath refund and major decision made on restarting matched betting. Hiddenshadow was the final encouragement! I did it 6yrs ago but lost momentum. So lots of reading tonight and i'm starting up tomorrow.
    MFW: Was: £136,000.......Now: £68,202.78......
    Mortgage Neutral Deficit: £54,331.22... Mortgage Neutral Savings: £13,871.45
    MFiT-T5 #8 - £17,522 of £23,100 (75.85%)
    1% Mortgage Challenge - £411.69 of £705
  • A_Frayed_KnotA_Frayed_Knot Forumite
    3.2K Posts
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
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    MB rears up again. I have read and re-read and will still have to read another half dozen times, till it sinks in :o

    My problem is I need to see what they mean, not just imagine it :rotfl:
    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
  • EatingTheElephantEatingTheElephant Forumite
    1.4K Posts
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    Good luck with the MB and the assignment. I was amazed how much you made last time. As its been so long do you think you will get new signup offers?
  • shangaijimmyshangaijimmy Forumite
    3.7K Posts
    Part of the Furniture 1,000 Posts Name Dropper
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    Not sure on the sign up offers so I'm going to start as mrs SJ!
    MFW: Was: £136,000.......Now: £68,202.78......
    Mortgage Neutral Deficit: £54,331.22... Mortgage Neutral Savings: £13,871.45
    MFiT-T5 #8 - £17,522 of £23,100 (75.85%)
    1% Mortgage Challenge - £411.69 of £705
  • shangaijimmyshangaijimmy Forumite
    3.7K Posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    40p TT this morning.

    You may recall me saying car insurance was on the horizon? Well multi-car renewal came through this morning. 46% increase! They do not deserve our business and won't be getting it either!
    MFW: Was: £136,000.......Now: £68,202.78......
    Mortgage Neutral Deficit: £54,331.22... Mortgage Neutral Savings: £13,871.45
    MFiT-T5 #8 - £17,522 of £23,100 (75.85%)
    1% Mortgage Challenge - £411.69 of £705
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