Hope is not an Effective Financial Strategy

Lynplatinum

Hiya Jimmy

Not been around for a while due to having the family living with me in my small house and the resulting lack of peace in which to be on MSE. Brilliantly done getting below 100,000!
am sure that you will do equally well in 2018.
I am managing to micro manage monies however - have started to now write it all in my diary as now no one but me looks in it (as I have retired early! Yea!)
Will report back more over the next few months.
tc

shangaijimmy

Well up and at em this morning with a 16p TT to get the ball rolling. Usual busy Saturday ensues with football, dog walks, swimming lessons and hopefully some opportunities for MB along the way. I usually pause for breathe at about 7pm on a Saturday!

michelle09

Good start to the weekend! Have a great one.

CathT

There are no days off when you have little ones are there. Hope your 7pm break has happened.

Tjh1412

Just found your diary, currently on page 19 so thats my bed time reading sorted for the next few nights. Just wanted to post a quick thanks, you've inspired me to check my meters and it turns out BG owe us £68 odd, whereas they were estimating we owed them £35 so that's made my day.
This spreadsheet sounds really good, I wish I had the excel skills that seem to abound on here, but I'm going to see what I can coax from my PC tomorrow

shangaijimmy

Tjh - great to have you popping in...bedtime reading i hear?? My ramblings will be a great way to get you off on a good nights sleep! If you would like a template of my spreadsheet i'll forward on. Send me a pm of you want a copy.

£1 TT this morning and then OP'd the weekly pot of £1.86. Slightly down on usual as we had a few days on no TT's due to dipping into overdraft.

Yesterday was a good day. MB wise i've branched out with a few new techniques and made about £35 today. We have a wedding weekend coming up and will need some beer money so this cash will go into that pot. 7pm slowdown ended up being 8pm so i'll take that. Todays agenda is a few hours of work in the morning (out in the cold, just praying for no wind/rain), followed by trying to use some of the boys energies up, and hopefully some peaceful dog walks. For the 3rd consecutive year my new years resolution was to snooze more. Now i've targeted a post Sunday lunch afternoon snooze for this important resolution, but so far i've had no success... so today, just maybe, just maybe!

A_Frayed_Knot

You really do get paid at the most convenient times, most of us have to wait till the end of the month - ad that's after being paid a week early in Dec (so it's before Christmas).

You mean there's more to MB :eek: was just thinking, I said thinking about another shot at it :cool:What's that I hear you say . . . . . "going away and uncontactable for the forseeable future" :rotfl:

shangaijimmy

Mrs SJ gets paid every 4 weeks, which sometimes makes planning a bit tricky but on other occasions comes to the cashflow rescue! As for MB i'm getting to the stage where bookies are banning me from freebets and restricting stakes (one even closed my account for me this week), so need to try some of the trickier methods. I'm also researching/debating doing some trading on football (very very small stakes and minimal risk). I just need to try and stretch MBing out another 5 yrs.... So next plan is accounts under our parents names!!

A_Frayed_Knot

Oh, I remember Ed on here saying the same thing, that he was starting to get banned from freebets/bookies, but to just close your account :mad:

If we think long enough, there's always a way round a problem/situation, I think us MFW's have had plenty of practise on that front.


Just been thinking myself of - "borrowing" someone's name for another type of money making idea :rotfl:

shangaijimmy

Oops, been a few days since i logged on. I think we're all still trying to get into a gear again following Christmas to be honest.

Made some good TT's this week of £1, 86p and 97p. Mrs SJ has all but sorted DD 2nd birthday presents out for the weekend, and as usual we've not gone overboard. To be honest DD hasn't even taken 2 Christmas presents out the box yet. So our plan is to keep some money to one side and get her a scooter in the sales ready for summer. 4 family birthdays down and 3 left for Jan! Then we can prepare for 4 nieces in May!!