Hope is not an Effective Financial Strategy

debtfreeoneday

Hope all ok in SJ towers!

southantrim3

Looking forward to November's update

shangaijimmy

Well after a month away from work, I came back to family carnage!! Not sure how Mrs SJ managed to keep a lid on things with 3 kids and a full time job, before all the other things that happened. I then had 36hrs to prepare a presentation before a job interview and cope with jetlag! Got myself into a state over the interview on the morning (I had been up since 2am) wondering why I was putting myself through it...anyway interview actually went very well (I can't remember any of the questions or my answers though). Unfortunately I came a close 2nd and the one thing I thought may be my major hurdle was the thing that stopped me getting appointed. So not much I could have done and my feedback was excellent. I was devastated at first, but 24hrs later I was fine...at least I have a job.

Family carnage hasn't settled yet. If anything it has gotten much worse and Mrs SJ is struggling somewhat, so keeping a close eye on her.

Moneywise I have an October update to post which I will do this afternoon (currently 'working from home' as both boys are off school poorly), and then update signature and the challenges that I'm in. Considering I wasn't here we still managed to keep up with financials and the month was ok OP wise. The only thing that I didn't keep up with was TT's.

So I'm back, jetlag has been defeated and we move onwards to the end of 2019.

Moneyfordreams

Hope Mrs SJ feels better soon... I'm sure she's grateful you are home
Good for you to take the interview on the chin... next time hey, life's full of learning

shangaijimmy

Update for October. Not the greatest of months as I've been away, but good progress none the less.

Monthly Figures

• Closing Balance - £77,989.36
• OP's - £190.13
• Net Reduction - £583.92
• % Loan Remaining - 57.34%

Diary Figures

• Total Reduction - £58,011.14
• Ave Monthly Reduction - £1,035.91
• Total OP's - £31,620.78
• Ave Monthly OP's - £564.66

** My favourite figure at the moment is Total OP's:j

Busy_Mee1

Lovely to see you back Jimmy. Sounds like your absence has been tough on Mrs SJ. I am sure she will be happy to have you back.

shangaijimmy

Well both boys are possibly worse than yesterday! So I'm off today again, but this time not working from home so I'll be catching up on diaries. I ended up going in work 3-8.15 anyway yesterday so not far off a full day in.

24p TT to start the day off today. Feels good to be TTing again. I like that sense of control it gives me albeit a tiny progress.

Thoughts start turning to Christmas and what is exciting is that I finish for Christmas on the 11th...:j

Suffolk_lass

Good to see you back SJ - we have missed your posts. I put my TTs into a (low) interest account at one of the banks and then pay small lumps off the mortgage. I have found myself setting secondary targets to round the mortgage down to round numbers too. It's a whole new area of fun with finance!

shangaijimmy

Busy_Mee1 wrote: »

Lovely to see you back Jimmy. Sounds like your absence has been tough on Mrs SJ. I am sure she will be happy to have you back.

Indeed she is happy to have me back... Quote - "I'll give you 3 days to recover from the flight then I'll give you your list of jobs I want doing..."

New front door has been measured up for and ordered!

shangaijimmy

Suffolk_lass wrote: »

Good to see you back SJ - we have missed your posts. I put my TTs into a (low) interest account at one of the banks and then pay small lumps off the mortgage. I have found myself setting secondary targets to round the mortgage down to round numbers too. It's a whole new area of fun with finance!

Rounding down is torturous for me as I can never find an end point. If current account is tidy, then the TT pot account isn't :mad: If I round down the mortgage then the account I've taken the rounding down now isn't :mad:

So my ploy is to tidy the mortgage account from current account on mortgage day, and then do daily TT's to tidy the current account. Then I ignore all other unitdy accounts!