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Hope is not an Effective Financial Strategy
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I checked my ISA this morning - and it's amazingly back to a positive return - ok, only 0.23%, but that's still a positive!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: £207
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I must be honest I was kinda hoping values would stay low for 12 months so that I have 12 months of 'sale' purchases!!! I'm sure we'll have another dip when Donald says something else!!MFW: Was: £136,000.......Now: £47,736.58......7
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That won't be long then 😂Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
A bit like our Home Sec - he is a comedy writer's dream. One of the spoof news pages my DH subscribes to, confessed they scrapped the idea of a speeding and shop-lifting briefing spoof because they thought it too unrealistic - only for her to pop up with that very subject matter. He is far less predictable - does not follow briefs or read background briefings. Apparently his writers put his name in bold in the really important paragraphs as it is the only way to make sure he reads those bitsSave £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
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 here4 -
Our politicians have it easy these days. Spitting Image would have a field day!!
71p TT this morning.MFW: Was: £136,000.......Now: £47,736.58......5 -
Spitting Image. Classic. I had heard it was coming back. In the meantime there is Michael Spicer - "The room next door" guy - it's hilarious - this post was used by James Corden The Late Show in USA so he is about to hit the big time in my opinion. He has a Youtube channel and regularly posts these. He assumes the role of the SPAD (Special Advisor) to the politician and his narrative is supposedly what they would say through the earpiece from the room next door. I hope you enjoy them - I subscribe to his Youtube channel and the recent Priti Patel counter terrorism interview is a classic. Emma Barnett on Radio 5 had him on last year sometime and I have been hooked ever since. Def worth a watch
Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
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 here7 -
I will add to my list of watches/podcasts now. Thank you for the recommendation.MFW: Was: £136,000.......Now: £47,736.58......3
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Truly excellent SL, thanks for sharing!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 Hemingway4 -
I agree. Brilliant find!MFW: Was: £136,000.......Now: £47,736.58......3
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Loved this thanks SL2
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