Hope is not an Effective Financial Strategy

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  • CathT
    CathT Posts: 7,115 Forumite
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    Sounds like you have had a lot going on Jimmy, hope everyone is okay and life is a bit calmer now.
    Apr 2024 - part 1 - £30,337 part 2 - £24,811 Total - £55,148 43 months to go!
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
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    edited 26 June 2018 at 6:58AM
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    Hope health improves and op's out of the way (that's operations, not overpayments :D).

    You seem to have kept it all going throughout, did think you were having a break, as
    sometimes I find I just run out of time, to read and quote on others diaries.

    Weather here is fantastic but as you know has a downside with hayfever.

    Hope you had a lovely birthday/party and are looking forward to your break away.

    Happy belated Birthday :bdaycake: for the big 4 0
    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: 3,796 Forumite
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    AFK - you are quite right that sometimes finding time/energy/motivation for quoting on diaries is tough. Especially when you hit your own mid month slump, and it seems like you have little to report/offer. I also have to confess that i've been enjoying watching the world cup (other than the rolling round on the floor pretending to be hurt which is pathetic and embarrassing) so have had less 'online' time in the evenings.

    Anyway 80p TT this morning. 1 day closer to accounts posting, only 19 morning school runs to do and MFiT figures are looming large aswell. I think we'll still be slightly in the amber zone however!
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
  • themadvix
    themadvix Posts: 7,912 Forumite
    Mortgage-free Glee! Photogenic First Anniversary Name Dropper
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    Belated Happy Birthday Jimmy!

    I'm sorry to hear about the health issues, but hopefully things start to calm down now. Totally agree with AFK - getting and reading the digests each day is one thing - logging in and commenting is quite another!

    Here's to a quieter few weeks before school breaks up!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • Busy_Mee1
    Busy_Mee1 Posts: 1,015 Forumite
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    It has definitely been quieter ...I think RL has been busy for a lot of us and the weather is so nice at the moment I just want to be outside when I am not working
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Weather is terrific, long may it continue! Although the dog may not agree with that.

    Well i managed to get car insurance sorted, but booked car in for a service yet. Current account is in reasonable health but not a lot happening to find our little extras. Our ebay pile has multiplied again, so will tackle that over the next week or so (he says...).

    I am looking forward to the weekend and posting our June accounts. Half of the year gone, anyone know where to?!?!
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
  • Suffolk_lass
    Suffolk_lass Posts: 9,350 Forumite
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    shangaijimmy wrote: »

    I am looking forward to the weekend and posting our June accounts. Half of the year gone, anyone know where to?!?!

    No idea but it is definitely going wherever it is, faster than ever before! Me too on the accounts side. Not being on top makes me twitchy (and that last 10 days when there is B-all to log makes me feel all progress has stalled when in fact I have organised everything into the right places so I know we have it all covered). I'm having a read and catch up first though.

    Busy Mee1 is right - RL is just too big ATM!
    Save £12k in 2024 - #2 target is £5000 only £798.34 so far
    OS Grocery Challenge 2024 31.1% spent or £932.98/£3,000 annual
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My Debt Free Diary Get a grip Woman
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Well i have to say that i am thoroughly enjoying the weather. Unfortunately its too hot for Mrs SJ, DS1 and the pooch though! I waited till 9pm last night to go for a run (foregoing beer with the football such is my commitment), and i have to say the weather for running was disgusting! Gentle breeze that was so hot, it felt like there was no air and my asthma chest wasn't impressed when i finished! It must be the first time that i've bailed out early (1/2 mile short of target)!

    Mrs SJ been paid today so our accounts are all shuffled and current account looking plump! That will change on Monday morning but hey ho!

    80p TT today to start the day.
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Favourite time of the month again... you guessed it, accounts posting!

    Monthly Figures
    • Closing Balance - £92,897.77
    • OPs - £546.04
    • Net Reduction - £1,041.07
    • Daily Interest - £4.17 (5p reduction)
    • LTV - 42.04%
    • % Loan Remaining - 68.31%

    Diary Averages
    • Cumulative OPs - £23,838.04
    • Average OPs - £595.97
    • Cumulative Net Reduction - £43,102.24
    • Average Net Reduction - £1,077.56
    MFW: Was: £136,000.......Now: £61,892.24......
    Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
    MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
    1% Mortgage Challenge 2022 - £157.59 of £650
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,296 Forumite
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    Nice to see . . . all going to plan :T
    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
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