Hope is not an Effective Financial Strategy

shangaijimmy

Long time before my school run days end given we have a 6mth old currently trying my very short patience!

Another £1 TT today taking the weekly pot over £5. Payday is Tuesday for me and Friday for Mrs SJ - the first of SMP!

shangaijimmy

Payday :j

Paying out day

5 sleeps to accounts posting :T

5 sleeps to week in caravan :beer:

11p TT today

Holiday balance paid this evening :T

shangaijimmy

So pleased to see that I'm still in green on the MFiT challenge at 17.63% and quite enjoyed adjusting my signature.

TT'd 86p this morning and expecting some tesco interest tomorrow. Hopefully that will tip us over the £600 OP amount for July, but if not we'll be close. 1 day left in work today before 10 much needed days off!

No internet and terrible mobile reception at caravan though so only postings and TT's when we venture out (which we're not planning on doing very often).

hiddenshadow

Hope you have a nice break!

A_Frayed_Knot

A bit late but hope you are enjoying your break. i'm off to caravan next week sometime.

shangaijimmy

Well back from week away which was fabulous, so very late with July accounts but here goes:

• Total OP's - £584.39
• Closing Balance - £ 117,702.84
• Net Reduction - £1,070.91
• Daily Interest - £6.42 (6p reduction)
• LTV - 53.26%
• % Loan Remaining - 86.55%

Overall a difficult month financially but i was determined not to let our MF standards drop and thankfully we haven't.

I've also opened a funding circle account to try something different for our long term savings, as its getting harder and harder to shuffle money around in various accounts! So i've started with £300 and am going to see how it progresses for a few months, with the intention of adding £50 a month to the fund.

Also i realise i've been very poor lately with diaries and am determined that August will be different, althougth i admit the first 6 days have gone and i've had no change!!!

shangaijimmy

Had a little bit of success with returning a Wii u game this afternoon. Lego dimensions disc off father christmas had suddenly stopped working, so off i traipsed with no receipt bit at least an order number. I was steeling myself for a difficult conversation but not needed. They just swapped it, no questions and didn't even ask for any proof that we bought it from them!

I came away bemused at how good they were!

shangaijimmy

August up and running. OP'd my TT pot for the week of £4.55 and some interest from depleted TSB accounts of £12.89. Tomorrow i get my Halifax rewards so £15 will get OP'd.

Funding circle has done ok so far in that 1/3 has been taken (surprised considering its been a weekend) and its suggesting i'll get 6.7% interest. Time will tell!

lippy1923

Hope you had a nice break SJ. You're making great progress with that mortgage balance coming down nicely. Can't believe we are on payment number 17 already!

chumpy45

Funding circle is something I need to get my head around. Will have to read back over your previous posts to give myself a training session