Hope is not an Effective Financial Strategy

ourcornercottage

I like the monthly reduction one too, like to hit £1000 per month if possible. Probably get it 3 out of 4

shangaijimmy

Just think about 2 yrs time when you'll be saying "like to £1100 and manage it 3 from 4"!!

I think we'll average 8 from 12 over this year (my year works march-feb).

Ali-OK

shangaijimmy wrote: »

That said each month i get a new favourite such is the excitement of spreadsheets!

This is so me too!!! :rotfl:

Does anyone else input a figure to see what it does to everything else and then get a nice surprise? I've just input £1250 capital for the next 4 months in mine - and each payment would reduce the end date by another month :j It's feasible too!

shangaijimmy

Ali-OK wrote: »

Does anyone else input a figure to see what it does to everything else and then get a nice surprise? I've just input £1250 capital for the next 4 months in mine - and each payment would reduce the end date by another month :j It's feasible too!

I reckon ive got 10 permutations on different worksheets!

Ali-OK

:rotfl: That's some serious spreadsheet fiddling

Bluefire

Ali-OK wrote: »

Does anyone else input a figure to see what it does to everything else and then get a nice surprise? I've just input £1250 capital for the next 4 months in mine - and each payment would reduce the end date by another month :j It's feasible too!

I have 4 different outcomes on my spreadsheet at any given time. One showing how things would have worked out had nothing changed (which allows me to easily see how much interest I've saved). One recording the extra payments I've made so far which I use to keep the figures updated on here. One predicting future overpayments which it should be perfectly feasible for us to make, and an ideal world version where all spare money goes into overpaying. That is the one that keeps me motivated, trying to hit those targets!

shangaijimmy

Bluefire - fantastic numbers in your signature. I love the thought of tracking how things would have worked out. Wish i would have done that one!

27p Tilly Tidied this morning. Jut checked our accounts and we may be a bit tight in the last week on cash as we've had 4 birthdays to account for in August and one was DS2. But with no real things to spend on and nothing planned i'm hoping we'll scrape by till payday in 14 days!

Day off work today so planning a visit to Nanny's this morning, then DS1 is off to his friends for the day leaving me and a 3yr old. So thinking cap on! I'd love to find an hour or two to go at that fence again but that may have to wait till tonight when Mrs SJ is home. Amazingly Mrs SJ hasn't left me any jobs, at all!

shangaijimmy

Well its shaping up to be a NSD, in fact a 5p profit curtosy of roadkill. That'll go in small change jar.

Really need to sort pet insurance out, so that's my task for this evening when littlies are in bed. I'll report back...

debtfreeoneday

Gotta love a bit of roadkill swag!

shangaijimmy

Didn't manage to sort pet insurance quotes (again)!! So that'll get added to my list of jobs i keep forgetting. I've finally got that £5 of small change together to cash in at work today so i'll make the mini OP when that's done, and I've tilly tidied another whole £1 this morning.

So fiddly jobs to do (some in work):

• Rind vets to book dog in for his booster
• Ring pet grooming to book in for his hair cut
• Ring docs to book in asthma clinic
• Pet Insurance quotes
• Take DS1 to opticians to pick new glasses up
• Order Jumpers, hoody and PE t shirt for DS1 (shop is very near work)

Lets see how i get on with that lot!!