Hope is not an Effective Financial Strategy

debtfreeoneday

Whilst £25 is awesome, I had to scroll back thru your diary speedily thinking you had won bigger SJ!  No win my end but makes me feel better seeing people on here win!!

shangaijimmy

debtfreeoneday said:

Whilst £25 is awesome, I had to scroll back thru your diary speedily thinking you had won bigger SJ!  No win my end but makes me feel better seeing people on here win!!

I only wish it was more...

Payday for Mrs SJ today so I've reconciled the accounts from my 4 day loan from savings (Mrs SJ is paid every 4th Friday so payday date changes which is so annoying). I've also been able to resume my daily TT's and today was 39p! Its food shop day so there will also be an debit card payment round up to add so here's hoping for the shopping to cost £**.01 so I get a 99p round up for overpaying!! Simple pleasures for us MFW folk!

Suffolk_lass

shangaijimmy said:

Karmacat said:

Jimmy, congratulations on the PB win, woo hoo!

I'm just mulling over what to do with the winnings amount. Every month I've been buying £250 worth of PB's that is really some holiday money. I'm now considering just sending over £225 in February and OPing the £25 winnings... Decisions, decisions...

Suffolk_lass said:

For me that compromise would be acceptable (because it works in your favour) and that £2.38 per month  figure will increase with compound interest saved by your regular OPs so I would not subtract that as an average to "correct" it. Of course you could go from 12 to 365(6) days but it is a lot more columns (rows) for small benefit.

I am more than happy with way it works and won't be correcting. I can enjoy the compound effect as it increases. I may even add a column to my spreadsheet to track the monthly differential...

Loving that (but  just would, wouldn't I?!  )

shangaijimmy

Not much happening today but i thought I'd check in.

£1 TT made and a 50p card roundup added to the pot for the week.

edinburgher

I think Mrs E has the same look - I tried to have "an exciting chat about mortgage leverage" today 🤓

Ps. Children's scissors are supposed to be blunt! 😂

shangaijimmy

edinburgher said:

I think Mrs E has the same look - I tried to have "an exciting chat about mortgage leverage" today 🤓

Ps. Children's scissors are supposed to be blunt! 😂

Hmmm I'll concede to the scissors and sharpness v bluntness debate... and I will rename said pair of scissors as a paper bending contraption 

Hot on the heels of my spreadsheet balance differential I have added a column to my spreadsheet. I realise that I won't be setting any targets for it but it I'm hoping it will provide an intriguing metric to track. 

Karmacat

shangaijimmy said:

Hot on the heels of my spreadsheet balance differential I have added a column to my spreadsheet. I realise that I won't be setting any targets for it but it I'm hoping it will provide an intriguing metric to track. 

Ug, I'm really going to have to go back to the finances next week, get the French accounts done, and a new isa set up.  I wish I enjoyed spreadsheets 

shangaijimmy

Oops I forgot to log in yesterday. We have a poorly DD and she's been up every night since Friday so eventually it takes its toll.

Anyway to keeps things tidy yesterday I OP's £1 to tidy the current account and then OP's our debit card round up pot, which stood at a measly £1.57 for the week. In actual fact that's a good thing as it means that our cards haven;t been used much for the week so we haven't been wasting money. For house reclamation I disposed of 1 odd sock  I wonder how long it will be before I dispose of the other one   

As for today my morning TT was 53p. As yet I haven't found/looked for an item to dispose of...

Karmacat

Poor little DD, hope she feels better soon.

shangaijimmy

DD seems better this morning. She wouldn't be well enough for going to school but think we should be ok to get 50% of the home schooling done. Its easier on DS2 if he can see DD at least doing some school work 

So last night I added an old polo shirt to the charity pile which account for my house declutter item for the day. I have my eye out for todays item already...

Quick check on the current account whilst the kettle was boiling and I TT'd 95p. I always have a tinge of glee when my account needs tidying by 90p or more!!! Simple minds easily amused!!