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Hope is not an Effective Financial Strategy
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Hurray! New little soldiers, and soldiers that were sent out (to get a new door) have won the fight2023: the year I get to buy a car0
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Well our cheque for £96 has arrived and been deposited. I've then OP's £46, and sent £50 to our mini emergencies fund. We've had a few things in 2019 to come out of this pot (car repair, new washing machine), and it's one of my plans for 2020 to build the pot up again.
68p TT made this morning.
Tomorrow we have a family Christmas afternoon out. So all 5 of us for some food and the local pantomine. Christmas jumpers/t-shirts at the ready!MFW: Was: £136,000.......Now: £47,736.58......0 -
Christmas panto was fantastic. DS2 & DD absolutely loved it. Even DS1 who was playing it cool was laughing throughout (I reckon with DS1 we may have 1 more year of pantos...).
Delay repay for train journey delay has been approved so just waiting for cash to appear in current account. I really want to allocate this OP to Dec to finish off our 2019 MF journey and if it hasn't arrived by New Years Eve I just OP the amount anyway.
Its been a big year on our financial journey, that included a remortgage and then a shift in focus (always intended once we'd hit the £50k reduction mark) from all out mortgage attack to retirement focus. It's been a phased plan and I'm pretty happy with our money allocations that are now set for the next 2 years and hopefully the £75k reduction marker.
A couple of things have helped in that Mrs SJ reverted to full time hours now that all the babies are finally in nursery/school. After 10yrs of reduced hours this has been a needed addition to finances and slowly helping Mrs SJ to think about some career progressions as well. She works for a great company with loads of options for progression, so you never know we may well get some financial uplift here. I've had 2 unsuccessful job `applications, where I have come 2nd twice. So some disappointment there but its resulted in a decent wage increase, which was a lovely early Christmas present.
One thing is clear, we are definitely not moving to a bigger house (we'd just fill it with more junk) so any extra cash will be towards reducing those retirement years from 65yrs for me and 60yrs for Mrs SJ. Money will buy us time (and possibly a new kitchen!)!
Blimey I only popped on here to say that I'd TT'd 49p this morning! Right off for a short run (3 mile recovery run scheduled today) before present delivery, scooter building, bike collecting, ham cooking, trifle making and living room hoovering commences! Oh and 2 dog walks obviously! This evening we are scheduled to watch Elf with chocolate and beer/gin/hot chocolate/vimto/milk...MFW: Was: £136,000.......Now: £47,736.58......0 -
Sounds like a great day
Happy Christmas to you allMortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 20220 -
A great day and a great year - how lovely that you and Mrs SJ are in agreement about what to do financially. Interesting that you say you're definitely not moving to a bigger house - that statement sounds like the end result of a long discussion :rotfl: but past a certain point, space really doesn't mean much, not to the bulk of the population anyway. Enjoy building the scooter, and have a lovely Christmas
:santa2:2023: the year I get to buy a car0 -
Have a fab Christmas Jimmy and a Happy and Healthy 20200
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Glad you all enjoyed the panto, a great time had by all.
Seems your finally settled on all the transformation of finances, it does feel a bit strange to
begin with especially as the main focus has been reducing mortgage.
I sometimes think I've been a bit pf a plonker when it comes to pensions,
but what's done is done.
Merry Christmas :xmastree: to you all, and Happy New Year when it comes.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 27.10.190 -
Merry ChristmasMortgage balance as of end of Dec 19 - £120,675
MFW 2020 challenge #35 £94.62/£750; Jan running total - £94.62
Save 12k in 2020 challenge #34 £560.20/£6000; Jan running total - £560.200 -
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Well Christmas been and my favourite bit is going - I love the days in between watching darts/cricket/football, eating chocolate and drinking tea/beer ! Kids are loving it and enjoying the time now playing with things. Thankfully the weather has been kind so we've been out on bikes and scooters loads. Remote control cars, nerf guns and mini drones have tormented the dog, and his only salvation has been the multitude of dog walks (in my new dog walking shoes of course). In fact the need to move was so great on Friday I covered a touch 25,000 steps!
I've kept up with financials, and TT's most days. The TT pot this morning to OP was £3.11. Mr train delay cash has arrived so I dispatched that to the mortgage also. The years financials are pretty much complete, so I'll make some notes today ready for my monthly update on New Years Eve.
Small run planned for this afternoon, and then one on New Years Eve and New Years Day (always 'run out' the year and 'run in' the next year!MFW: Was: £136,000.......Now: £47,736.58......0
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