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Hope is not an Effective Financial Strategy

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Comments

  • That's a great figure from MB and still ebaying like mad, well done.

    Good luck with the car negotiations later :)
  • Welcome back SJ! Reminded me I haven't been the best with my diary these days either. Glad to see you are still keeping at it with TT and OPs. Good luck with the car haggle :)
    Original Mortgage: £134k Sept 2044 :eek: Current Mortgage: £126k Neutral Oct 2039
    Ideal goal: TBC :cool:
    Bonus OPs made 2017: 7 total= £159.91
    Save
    Save
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Car haggle hasn't happened as time has beaten me, so will have to move onto that on Sunday afternoon. A great positive for the day though is an unexpected refund of £214 from Gas & Leccy. Unfortunately there wont be a prize for the successful guess about where the money will be going, but please feel free to try...
    MFW: Was: £136,000.......Now: £47,736.58......
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    I've basically set a challenge of a net reduction of £1,100 per month as that will get me to magical figure of £99,999 at Christmas. To be honest i reckon I'll fall short by about £600, so ill say it now and you can all hold me to it...

    If I miss the target by less than £1k i will make this shortfall up with MB cash :eek:

    £99,999 :eek: Oh good, glad to hear it, that means you can push to shove another 99, making it still under the £1K ;):D
    :T :j :beer:
    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
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Its like a never ending spiral of mental torture to constantly round figures down!!
    MFW: Was: £136,000.......Now: £47,736.58......
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Apologise for being a bit of a pain. :(

    Appreciate what works for me, won't work for everyone, just trying to encourage/push/nudge just that little bit more :o

    If everything works out, hope to pay mortgage off in 8 years, and on target with my crazy method of o/p'ing :o:D;)
    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
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    The difference between .00 and .99 is amazing isn't it!
    MFW: Was: £136,000.......Now: £47,736.58......
  • lippy1923
    lippy1923 Posts: 1,374 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Welcome back SJ. Glad to hear you are still on track. Getting under the £100k mark is a massive motivation. Keep going strong and you will get there.
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thanks lippy, as ever though i can never seem to make up any ground on you!

    Long day in work today that included spending 200 miles of motorway when its 25deg outside! Hayfever has been appalling today so currently sat sulking amongst a mound of soggy tissues. 1 tablet a day since April and 2 per day this last week and it has no effect at all.

    9 ebay items sold today for £30.70 which is fab, £62 on MB and TT'd 77p!

    I have a booking to test drive a car tomorrow at 1.45pm. If it's as good inside as it looks on the pics and video's I'm determined to buy it. I'm sick of looking and just want it done with now. The price is great even if cant shave anything off, so definitely not cutting nose off for spite...
    MFW: Was: £136,000.......Now: £47,736.58......
  • lippy1923
    lippy1923 Posts: 1,374 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Good luck with the car!


    Hayfever, try some LOCAL organic natural honey. Apparently the local pollen to you will be in the honey and help you build up some sort of gradual immunity. My friend at work is convinced it works.
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

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