Hope is not an Effective Financial Strategy 13 March 2015 at 1:18PM edited 3 March 2020 at 8:18PM in Mortgage-free wannabe 4.3K replies 361.6K views

Cheery_Daff

Ooh, excellent car fixing work! I congratulated myself recently for changing a headlight bulb with the aid of a nice man on YouTube who was also having trouble undoing a particular screw and advised a mole wrench - something I would not have attempted without seeing someone else do it first. Can't imagine how smug I would have been had I fixed an oil leak! 😂😂

Hope DD is feeling better soon.

Suffolk_lass

Yes indeed, hope DD is OK. Not sure how old she is but be aware of things like being a bit run down and tonsilitis in teen girls - glandular fever can result. Teens need more sleep than we think and research shows they are typically less good at early mornings so a good lie in at the weekends.

Well done with the car oil leak. V impressed.

I bought the replacement door catch for my washing machine but then discovered where to tap the door to trigger the old release. Five years on that still works

shangaijimmy

Well is been 5 days and the oil leak fix seems to have worked. Cheery daff - I can not describe my level of smugness. Mrs SJ is appalled at my levels! Nice reward of £15 made as an overpayment from the car maintenance fund.

Suffolk - I've attacked many a washing machine with a screw driver, a hammer and youtube. I'm not quite at your 5 yr mark yet but we definitely added an extra 2yrs on our old machine. 

Payday for Mrs SJ today, which was very much in need given the previously mentioned utilities issue. A few quick money shuffles this morning and we look as current account skint as we were last night  I loosely keep us on a zero type budget whilst we're attacking this mortgage free/mortgage neutral quest and at times its exhausting/intense.

Overall I like the discipline it gives us as we live well today and prepare for the future at the same time, but at times it can be . 

Anyway, lovely 51p TT made this morning. 

Cheery_Daff

Worth it by the sounds of it though (and I suppose at least you know you can let up a little if necessary).

Laughing and laughing at you being so smug 😂😂

Suffolk_lass

Cheery_Daff said:

Worth it by the sounds of it though (and I suppose at least you know you can let up a little if necessary).

Laughing and laughing at you being so smug 😂😂

Me too. I've got a pretty low threshold for my smug filter to kick in (little things, as they say). 

shangaijimmy

All is quiet in SJ towers. DD seems pretty much recovered finally. She's got 4 more days of antibiotics to go but is well enough to go back to school tomorrow. The whole escapade of rashes has played havoc with her skin though. A few of her toes have peeled and a couple of her fingers. Poor thing.

I OP'd our card purchases round up pot this morning. So that's £2.84 against the mortgage that we will never be charged interest on ever again   

Payday for me is Friday thankfully! 

Suffolk_lass

I just love that way of looking at it regarding the mortgage. For me, this was my biggest incentive for paying down (and off) our debts.

Sorry to hear your DD has been suffering. I remember getting some sort of fungal infection at the swimming pool a few years ago (pre-pan) and the sole of my foot peeled along with in between my toes. Medicated mycota powder did it for me. I usually dust my feet with it on a hot day to act as a preventive when I am going to be wearing shoes and socks now

shangaijimmy

Well DD has gleefully made 2 days in school. 2 days left of medicine though her skin may take another week to fully recover.

Just a tiny 18p TT today to keep a smidgen of momentum going!

I am having a little rejoice that my scheduled attended meeting tomorrow has been cancelled! I was facing a 70mile drive to sit through death by powerpoint with a lovely but 'terribly poor at presenting' bloke, for 3 hours and then drive home. Why on earth it wasn't online I couldn't understand in the first place?? So I'm quite pleased, although deep down I know its only been delayed for another time...more than likely Christmas week 

shangaijimmy

£1 TT yesterday and 81p today. Trying to keep moving forward daily! The result of these TT's brought the 6 monthly excitement of the mortgage statement yesterday. Several pages long, which always gives me a little shimmer of glee and I then played "Guess the smallest overpayment..." with Mrs SJ.

She humoured me with a tone that could have been decoded as one of pity or tolerance, and offered a guess of 3p. So it would seem that she knows me too well. Naturally I ploughed on pretending to be oblivious to her tone, and found 6p was the smallest over the last 6 months.

Despite the strongest of urges I did resist the temptation to take out my highlighter pen...

Payday tomorrow so I have some minor account shuffling to look forward to 

Karmacat

The highlighter pen!  Yay!