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Hope is not an Effective Financial Strategy

edited 3 March 2020 at 7:18PM in Mortgage-Free Wannabe
4K replies 326.6K views
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Replies

  • shangaijimmyshangaijimmy Forumite
    3.6K posts
    Part of the Furniture 1,000 Posts Name Dropper
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    Quick eBay update - 21 items sold for a profit of £61.40, plus we should make a few pence here and there on postage. Naturally everything that didn't sell has been relisted for next Sunday (actually got 2 bids over night). So big trip to post office today!

    Nothing else money wise going on. 2 paydays this week which triggers the money shuffles. I do have my usual TT pot that has built up but I've not OP'd it just yet, as I'm waiting to see how the month works out with SMP in case we need it. I've also held back a £100 utilities refund just in case we need it. Thankfully this is the last month of SMP, so come September it'll be all systems go for Christmas finances...........
    MFW: Was: £136,000.......Now: £70,673.47......
    Mortgage Neutral Deficit: £60,885.85... Mortgage Neutral Savings: £10,544.62
    MFiT-T5 #8 - £14,635 of £23,100 (63.35%)
    1% Mortgage Challenge - £15.86 of £705
  • shangaijimmyshangaijimmy Forumite
    3.6K posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    23p TT this morning. 2 days to pay day, 3 days to money shuffle, 3 days to paying out day, 8 days to accounts posting...!

    Just waiting on quidco to boost august figures.
    MFW: Was: £136,000.......Now: £70,673.47......
    Mortgage Neutral Deficit: £60,885.85... Mortgage Neutral Savings: £10,544.62
    MFiT-T5 #8 - £14,635 of £23,100 (63.35%)
    1% Mortgage Challenge - £15.86 of £705
  • shangaijimmyshangaijimmy Forumite
    3.6K posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    Taking boys sailing and kayaking with their grandad today. Great forecast so looking forward!
    MFW: Was: £136,000.......Now: £70,673.47......
    Mortgage Neutral Deficit: £60,885.85... Mortgage Neutral Savings: £10,544.62
    MFiT-T5 #8 - £14,635 of £23,100 (63.35%)
    1% Mortgage Challenge - £15.86 of £705
  • MoneyfordreamsMoneyfordreams Forumite
    2.1K posts
    Fifth Anniversary 1,000 Posts
    ✭✭✭✭
    sounds fun, enjoy your day :)
    Mortgage restart June 2018 £119950
    Re mortgage August 19 £110470, HSBC 0, Hfx £0, NW £0 M&S £0, MBNA £8900
    … Mortgage £103000
    plus car £5000
  • shangaijimmyshangaijimmy Forumite
    3.6K posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    Kayaking was great. DS2 (4) loved it! To round off the night we got both boys and our niece sleeping in a tent in the garden!
    MFW: Was: £136,000.......Now: £70,673.47......
    Mortgage Neutral Deficit: £60,885.85... Mortgage Neutral Savings: £10,544.62
    MFiT-T5 #8 - £14,635 of £23,100 (63.35%)
    1% Mortgage Challenge - £15.86 of £705
  • A_Frayed_KnotA_Frayed_Knot Forumite
    3.2K posts
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
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    Kayaking was great. DS2 (4) loved it! To round off the night we got both boys and our niece sleeping in a tent in the garden!


    That brings back memories, used to do that with my cousin, tent, sleeping bags, torches and the back door left open :rotfl:


    Hope they all enjoy it, probably not much sleep will be had. :)
    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
  • A_Frayed_KnotA_Frayed_Knot Forumite
    3.2K posts
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    SJ - check your bay messages, just received an offer stating 25% off FVF on 100 listings between 24th to 28th August :)
    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
  • shangaijimmyshangaijimmy Forumite
    3.6K posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    Well they were all in the bedroom for 10pm! Bunch of wimps!
    MFW: Was: £136,000.......Now: £70,673.47......
    Mortgage Neutral Deficit: £60,885.85... Mortgage Neutral Savings: £10,544.62
    MFiT-T5 #8 - £14,635 of £23,100 (63.35%)
    1% Mortgage Challenge - £15.86 of £705
  • AlexLKAlexLK Forumite
    6.1K posts
    Debt-free and Proud!
    ✭✭✭✭
    :rotfl: :rotfl: :rotfl:
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • shangaijimmyshangaijimmy Forumite
    3.6K posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    Alex it wasn't even proper sleeping out in a tent, given the air mattress, duvets and movie on the iPad!

    Payday at last! 61p TT and money shuffles at the ready.

    The dreaded lurgy has struck with baby and my good self (I never get it either). Couldn't be a worse day to have it when I'm chairing a meeting with several senior managers (all on considerably more money than me) including CEO!
    MFW: Was: £136,000.......Now: £70,673.47......
    Mortgage Neutral Deficit: £60,885.85... Mortgage Neutral Savings: £10,544.62
    MFiT-T5 #8 - £14,635 of £23,100 (63.35%)
    1% Mortgage Challenge - £15.86 of £705
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