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Hope is not an Effective Financial Strategy

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  • Jessy103
    Jessy103 Posts: 2,242 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Shame you didn't send that watersports 'incident' off to You've Been Framed, you could have got £250!
    Great news on the figures SJ and making Mrs SJ happy. Happy wife, happy life, as they say!
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • That's pretty much the only way I've got MrPD on board....told him that once the mortgage is paid off he could retire. What I haven't told him is I plan to go part time and he can continue working! I love the colouring the bricks idea! Definitely going to be doing that!
    31st July 2017 - Mortgage: £136902

    Try to: make OPs of £425/month and save £500/month

    Aim to: be mortgage free by August 2029
  • hiddenshadow
    hiddenshadow Posts: 2,525 Forumite
    I like your plan with running - may have to adopt that when/if I can get back into it (dodgy knee + fatigue/muscle weakness for me). I do always want to improve myself, but sometimes it's not worth the added pressure.

    DH is on board with the concept, and agrees with the specifics when I ask him for his opinion, but otherwise isn't involved much. We go over the big picture plan fairly regularly, though, and then I'm in charge of implementing it on a day-to-day basis. (That reminds me, I need to have a month where I walk him through what I do for implementation so that he knows the situation if I get hit by a bus!)
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Super quick post. Run compeleted, 3 mile dog walk done, 23 new eBay lists (take that glaring bag in the corner), and 71 relisted!

    Shattered and off to bed!
    MFW: Was: £136,000.......Now: £47,736.58......
  • museumworker
    museumworker Posts: 2,240 Forumite
    Part of the Furniture Combo Breaker
    Well done on eBay listings and the run! You deserve a decent sleep after that!
    Mortgage [STRIKE]16/03/2011: £190K 01/01/2017: £107,729.65 [/STRIKE] 01/07/2017: £95,979.89
    OPs 2011-2016 = £45K 2017 OPs = £9250.20
  • Well done on your first run and eBay listings :T
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thanks all. Quick update before breakfast routine for us. 9p TT this morning so regular morning logging on continues. I'll post a longer post during my morning break.
    MFW: Was: £136,000.......Now: £47,736.58......
  • Kittenkirst
    Kittenkirst Posts: 2,468 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Wow 94 eBay listings with your relisted items is massively impressive!

    I was pleased I relisted 5 items, sold one on gumtree and have listed 3ore on gumtree. I need to take a leaf out of your book this week definitely!!

    Good work on your run too, I push myself a bit too much with the running and then find I don't enjoy it as it's too pressured! keep at the regular running, I find it works wonders for a bit of time out and recharging the. Rain :)
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
  • MissLemon
    MissLemon Posts: 112 Forumite
    Ninth Anniversary 100 Posts Mortgage-free Glee! Combo Breaker
    Fantastic OP for the month :T

    And we'll done on the run, getting out there is sometimes the hardest part of running!

    Listing on eBay is on my to do list, but I really have to make time to do it! I'm also quite intrigued by the MB you do, I'm going to read the links you posted early to get my head around it.
    Original MF Date January 2035. MF Date February 2022
  • greent
    greent Posts: 10,769 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great work with the bay :)
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
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