Hope is not an Effective Financial Strategy

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  • A_Frayed_Knot
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    Great figures, stick at it. One of my next targets, is to get fit and loose weight (or maybe the other way round :o)

    Hope you had a double last night :D :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
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    Quick post as just waiting for Mrs SJ to be ready and we're off for our Christmas bro's and sis's evening out (needless to say that today will not be a NSD, but all spends are fully catered for and sure that won't surprise any of you).

    Excitement levels in our house are positively astronomical and thats from Mrs SJ, never mind the kids!

    Anyway i made a £1 TT this morning and then OP'd the weeks pots which totalled £4.84.
    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
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Name Dropper First Post First Anniversary
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    Hope you and Mrs SJ have a lovely evening out :)
    2023: the year I get to buy a car
  • Suffolk_lass
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    Great figures, stick at it. One of my next targets, is to get fit and loose weight (or maybe the other way round :o)

    Hope you had a double last night :D :beer:

    Ooh A Frayed Knot - I just noticed your signature. Mortgage Free 11 years and 3 moths early. What a fantastic achievement - :T:T:T:T:T congratulations :T:T:T:T:T :beer::beer:
    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
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    Happy to report that we had a great night last night and that i feel totally fine this morning. Good job really as I'll be heading the pub for a few social ones with my friends this afternoon. Nothing heavy and home for 6 to do our Christmas Eve boxes with the kids and Christmas family film.

    :xmastree::snow_laug:xmassign::snow_grin:santa2:
    We went to a new-ish Mexican in town for our meal and I have to say that it was the best meal I've ever had (I really really mean it as well). I can't stop thinking about it...already planning our return visit!

    Anyway 67p TT this morning, and happy to report that our accounts look in reasonable shape considering the time of year.
    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
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    The current leader for the family Christmas eve film is Gremlins by the way...
    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
  • CathT
    CathT Posts: 7,120 Forumite
    First Anniversary Name Dropper First Post
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    Ours is National Lampoons.

    Enjoy! Bet your house is full of excitement with your little ones.
    May 2024 - part 1 - £29,628 part 2 - £24,612 Total - £54,240 42 months to go!
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Name Dropper First Post First Anniversary
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    A good Christmas already then, SJ. Long may it continue :)
    2023: the year I get to buy a car
  • shangaijimmy
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    Well the 2 days have come and gone... Kids are happy with what they have (our amount of pink plastic has increased ten fold...we really do have some generous family members...but we will split it up between our house and grandparents), Mrs SJ is happy, so I'm happy.

    Now we hit my favourite time of Christmas, those few days between Boxing Day and New Years Eve. Relaxing with the slower pace, feet up consuming our mountain of chocolate and watching the darts!

    My only goals for today are some decent little dog walks and a run. I feel like i need to move somewhat as that will help the relaxing bit with the darts!
    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
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    Dog walks achieved every day, but i didnt manage a run on Weds (opted for beer and food)! So got out last night instead. Managed a fast 3 miles, and actually achieved my fastest 1 km, 1mile, and 5k! Powered by beer, food and new socks i think.

    TT's have kept up, and tomorrow will be the final OP for 2018 so i will post our year end figures sometime in the afternoon/morning.
    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
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