Hope is not an Effective Financial Strategy

A_Frayed_Knot

well done, there you go 8,900th thanks

pinkypig

shangaijimmy wrote: »

At its worst our daily interest was £15.93. That makes me want to throw up!!

Pictures taken, new listings will commence tomorrow evening...I'm determined!

You're making such good progress 😁

My daily interest was far worse than that at one point - it makes me feel quite queasy thinking about it 🤢 Will keep looking to your diary for more tips😁

PP x

shangaijimmy

Jessy103 wrote: »

Shame you didn't send that watersports 'incident' off to You've Been Framed, you could have got £250!

:rotfl::rotfl::rotfl::rotfl::rotfl:

shangaijimmy

mrspuddleduck wrote: »

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!

I do keep saying to Mrs SJ imagine what we can do when we have £1,200 extra a month in our account?!?! Secretly i know it'll get thrown at university pots (potentially 3 for 9 consecutive years) and pensions/retirement. So really we'll still live the same way for a further 10-15years, but eventually, eventually...!

shangaijimmy

A_Frayed_Knot wrote: »

well done, there you go 8,900th thanks

These thanks are like the mysterious brownie points us men folk strive for...they are always non redeemable...

pinkypig wrote: »

You're making such good progress 😁
My daily interest was far worse than that at one point - it makes me feel quite queasy thinking about it 🤢 Will keep looking to your diary for more tips😁PP x

Progress does become quite addictive for us all i think. Spreadsheets and diaries really help, and the diary especially is a good avenue to verbalise what we don't speak about with our real friends/colleagues as thy don't understand and think we're weird! £45 a roll of wallpaper in a kids bedroom...that was a work conversation i got into a few days ago...! As you can imagine pinky, i was queasy!!

hiddenshadow wrote: »

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!)

I treat it like work when presenting to the CEO - keep it short, pick out 3 key things, put 1 highlight in and leave it with a goal for next few months!!

As for running i made a start and stuck to no watch/no distance... Sticking to it is the tricky bit. I'm also using the background phrase of "your not 25 anymore..."

shangaijimmy

Green/Museum/Miss Lemon/Kitten/EtE - I actually felt really pleased going to bed knowing that i'd made a good dent in the listings bag. We have a few more items to list before the bag is empty and i know then that the bag will get refilled, but its all a key part of not hoarding things. With the 3 kids so small i know that we're not yet on a de-clutter phase but i don't want things to get out of control (it has happened in the past). Mrs SJ family are hoarders so she has some tendencies/sympathies in this way (not to mention the constant charity shop stuff that appears in our house). It doesn't seem to bother her but i feel much more restful when we are in control of the house.

So alongside the ebay listings we also sorted a charity bag, which i need to drop off on my way to work tomorrow morning.

shangaijimmy

Wow big catch up this morning. So much so that my brew has drained and i need a refill. 23p TT'd this morning to keep the pot going. We have 1 bid on an item (they only finish Sunday evening so very early) already.

Feeling very jaded this morning as had a 9.30am-9.45pm workday yesterday. Just worked out that since we came home from caravan last Tuesday evening i've worked 70hrs from Weds-Weds. I have most of the day off today before going in 5-11.30pm ish, and then another 12 hr day tomorrow! So really looking forward to a Sat/Sun weekend off! I have a very flexible job with changeable hours, periods of heavy heavy hours with evenings and weekends mixed in. I pretty much look after my own time though so manage time owed towards bonus weeks off in caravan etc... We have 9 days planned at end of August which i won't book any holidays as such. So it does work in my favour, i just have to be disciplined with it.

Its just me with the kids until 2.30pm today. But it's currently chucking it down and due to be all morning so it may well be movies and wii U for the boys. I then have a funeral to go at 3.30pm, but only to the crem. Then my plan is another short run (no plan on time obviously but it'll have to be 30mins maximum), as then in work for 5 with a nice rush hour 70mile drive!!

Hopefully it the kids allow i'll get some MB on goodwood, as there's £10-£20 easy cash to make. But now its off to put the recycling out, make another cuppa and then sort breakfast out for the rabble.

Oh by the way... if you scroll up and have a look at an earlier post from this morning you'll see i made my first every multi quote post :T

Oh and another - i switched broadband yesterday. Got same price as last 18months with £50 cashback using the broadband checker thing on the MSE forum :money:

greent

shangaijimmy wrote: »

I do keep saying to Mrs SJ imagine what we can do when we have £1,200 extra a month in our account?!?! Secretly i know it'll get thrown at university pots (potentially 3 for 9 consecutive years) and pensions/retirement. So really we'll still live the same way for a further 10-15years, but eventually, eventually...!

We paid off our residential mortgage in July 2015 - and the put in a new boiler and new doors/ windows - and then our eldest started uni in Sept 2016.... No 2 should start in Sept 2018 - on a 5 or 6 year course - No 3 will start the Sept that no 2 finishes and then assuming he does a 3 year course he will finish as no 4 starts......:eek::eek::eek: We will never have much spare money!:eek::rotfl: But at least there are choices this way

shangaijimmy wrote: »

Green/Museum/Miss Lemon/Kitten/EtE - I actually felt really pleased going to bed knowing that i'd made a good dent in the listings bag. We have a few more items to list before the bag is empty and i know then that the bag will get refilled, but its all a key part of not hoarding things. With the 3 kids so small i know that we're not yet on a de-clutter phase but i don't want things to get out of control (it has happened in the past). Mrs SJ family are hoarders so she has some tendencies/sympathies in this way (not to mention the constant charity shop stuff that appears in our house). It doesn't seem to bother her but i feel much more restful when we are in control of the house.

So alongside the ebay listings we also sorted a charity bag, which i need to drop off on my way to work tomorrow morning.

We also generally have an ongoing eeebay bag - although I did manage to get it empty for a month at one point earlier this year!:T I also have an ongoing charity bag, a bag for the shoebox appeals (good for magazine freebies, party bag tat, excess stationery etc - although my children are older than yours and so possibly more inclined to clear out such 'treasures';)) and a 'Ziffit' box of books/ games/ dvds/ CDs scanned in which they will buy.
It's a never-ending thing with children. :D

Hope the funeral goes as well it can.. x

Jessy103

If you've got an account on Sky Bet make sure you do the free game of Pick 7 where you pick 7 horses to win at Goodwood for your chance to win £50,000! ITV do one as well called itv7! I do it all the time but I'm terrible at picking winners! Lol!

shangaijimmy

Jessy - if you ever take up Matched Betting you'll quickly realise how terrible we all are at picking winners!