Hope is not an Effective Financial Strategy

Options
1349350352354355434

Comments

  • shangaijimmy
    Options
    Its been a few days since I've logged on. The only things happening have been daily TT's. My TT pot for the week amounted to £4.66, which I then rounded up to £5.00 and promptly dispatched to mortgage.

    Half term is upon us and we have to confess to being under prepared for it this time round!
    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
    Options
    I agree with KC about that strap-line - it should be in your signature IMHO. Have a great half-term week
    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
    Options
    Thank you KC and SL. Without revealing what I do or what industry I work in my seminar was about Interdisciplinary Considerations, and we were looking into how to utilise the whole team to have greater strategic direction and responsibility. I always write the word Hope on the whiteboard. Too often, in my industry, people seem to hope that things work out and then blame eveything but their (lack of) planning when it doesn't.  

    The more I think about it, its just as important with our finances. Rather than my signature it should probabaly be the title of my thread (which I really dislike now) :/
    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: 7,922 Forumite
    Mortgage-free Glee! Photogenic First Anniversary Name Dropper
    Options
    Have you investigated whether you can change it now we have a new forum?

     I’ve always been intrigued by what you do - the long hours, weird shifts, and it sounds very interesting!
    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


  • shangaijimmy
    Options
    I think I'll investigate. Its perhaps an appropriate point as yr 5 ends of diary. 

    Defining my job is a challenge in its self at times...
    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
    Options
    Well I finally tackled the shelving unit. Carrier bag of junk to the bin. A few things for CS and 8 Nintendo 3ds games for Ebay (you never know we may £2  each). I'll pop on tonight and give them 4 lists, any non sales will go to CS.
    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
    Options
    A few things to report: 
     * Firstly I appear to have changed the name of my diary!
     * Secondly I've listed the games in a bundle and they received a bid within 10mins of listing  :) I also listed the console case, but not optimistic on that one.
    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
  • Busy_Mee
    Options
    Love the new title of your diary Jimmy. I used to work for a boss that always used to say "you can't just kick the ball and hope " I think it means the same thing and something that resonates with me being a bit of a planner ( surely not  :D )
Meet your Ambassadors

Categories

  • All Categories
  • 343.5K Banking & Borrowing
  • 250.2K Reduce Debt & Boost Income
  • 449.9K Spending & Discounts
  • 235.6K Work, Benefits & Business
  • 608.5K Mortgages, Homes & Bills
  • 173.2K Life & Family
  • 248.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards