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Hope is not an Effective Financial Strategy
Comments
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I said to Mrs SJ last night that the only time I'd sat down was driving or at the bouncy castle place (which was so rammed it wasn't restful and was like a different kind of hell trying to keep an eye out on a 4yr old amongst a load of bigger kids - she was fine by the waythemadvix said:It sounds like you had a very busy day!!
~) MFW: Was: £136,000.......Now: £47,736.58......3 -
May I refer you to the new title of your diary....?shangaijimmy said::D
We have 8 days left of year 5 of the dairy, which is astounding. And then whilst we've been mentioning Feb 29th, do we get charged for interest on that day? I presume the answer is yes but I can live in hope...
I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £205 -
Who are you kidding SJ, of course they charge you interest
Is there a party for your 5 year anniversary? (although, where's the beer emoji?!
) 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 Hemingway3 -
Love your idea of an extra payment to celebrate the extra day in February. I am joining in and am definitely up for a party. I will bring the gin 5
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Well it they're charging me interest I'm gonna up my leap year factor from x10 to x29...
There I'm committed to it now...
Who's joining me?MFW: Was: £136,000.......Now: £47,736.58......4 -
Loving the positivity, SJ
2023: the year I get to buy a car2 -
Me! Not sure what yet. It is my last 29th Feb in the term of our mortgage so seriously considering converting some savings (receiving a miserable return) to a major OP. Have you considered using the number of 29th Febs left in your mortgage as another factor...?shangaijimmy said:Well it they're charging me interest I'm gonna up my leap year factor from x10 to x29...
There I'm committed to it now...
Who's joining me?Save £12k in 2025 #2 I am at £10,020.92 out of £6000 after September
OS Grocery Challenge in 2025 I am at £2234.63/£3000 or 74.49% of my annual spend so far (not going to be much of a Christmas at this rate as no spare after 9 months!
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 new diary is here3 -
I would, but I don't pay any interest, sorry - what I *am* going to do is take the "bits and bobs" more seriously - started just now with an online order I just placed at Boots. Thanks Jimmy!shangaijimmy said:Well it they're charging me interest I'm gonna up my leap year factor from x10 to x29...
There I'm committed to it now...
Who's joining me?
2023: the year I get to buy a car4 -
I'm definitely going for a factor of 29. I reckon we'll have 3 more leap years at most which wouldn't give me a satisfactory OP!Suffolk_lass said:
Me! Not sure what yet. It is my last 29th Feb in the term of our mortgage so seriously considering converting some savings (receiving a miserable return) to a major OP. Have you considered using the number of 29th Febs left in your mortgage as another factor...?shangaijimmy said:Well it they're charging me interest I'm gonna up my leap year factor from x10 to x29...
There I'm committed to it now...
Who's joining me?
Quite a busy weekend which just seems to have evaporated before me. I collated my TT pot which was £4.10 and then rounded it up to £5 before OPing it. That keeps my mortgage tidy until interest is applied on the 1st. A ebay sale completed this evening for £47 but it was DS1's stuff so he gets the joy of the cash. However I get the joy of a bundle of 8 items will be leaving the house tomorrow.
On the declutter front Mrs SJ sorted through DDs clothes and we have a large bag for donating to friends, and some underwear for CS bag. I then reorganised some of the storage units to free up some floor space.
Payday is on Tuesday, which means we are edging closer to finishing another month of the dairy challenge and I get to play with my spreadsheet for real, as opposed to imaginary what ifs!MFW: Was: £136,000.......Now: £47,736.58......6 -
Payday arrived today so a few money shuffles done. Payday OP of £45 made and an OP of £125 from money we borrowed from the mortgage OP account 18 months ago towards a new car. Its effectively a car loan off ourselves to ourselves. We have 8 payments left on this one.
We've also had to adjust DDs nursery provision so there's a smallish extra cost for us, so I've jigged the spreadsheet to reflect it.
Ebay item posted and tonight I've listed another bundle of games.
Lastly a nice TT of £1.09!MFW: Was: £136,000.......Now: £47,736.58......7
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