Hope is not an Effective Financial Strategy

edited 3 March 2020 at 7:18PM in Mortgage-Free Wannabe
4.2K replies 349K views
1417418419420422

Replies

  • Suffolk_lassSuffolk_lass Forumite
    6.5K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    That's lovely. We did too. I only got the email just before 4pm and curious what time you heard as another on here knew first thing yesterday. How unexpected. I rushed to the computer to log in, thinking maybe it was a bigger win but it was £25

    Save £12k in 2021 - #26 aiming for £7,500 - £8,128 after October
    OS Grocery Challenge 2021 target £2,436.63/£3k 81.22% annual after Nov (not incl £500 contingency)
    My Debt Free Diary Get a grip Woman
  • Cheery_DaffCheery_Daff Forumite
    12K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    That's lovely. We did too. I only got the email just before 4pm and curious what time you heard as another on here knew first thing yesterday. How unexpected. I rushed to the computer to log in, thinking maybe it was a bigger win but it was £25
    I use the prize checker - it usually opens at midnight the day after the draw i think (certainly before the emails!) You have to know your holders number, but then it tells you how much h you've won. 

    https://www.nsandi.com/prize-checker

    The list of high value winners is released on the first day of the month but I've never been on that 😂
    Mortgage end date at start: Feb 2043
    Mortgage end date now: Feb 2033
  • shangaijimmyshangaijimmy Forumite
    3.8K Posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    Just checked and the email was at 2.42am on Tuesday.

    Cheery - thats a lovely thought being on that high value list!!
    MFW: Was: £136,000.......Now: £66,357.66......
    Mortgage Neutral Deficit: £49,928.91... Mortgage Neutral Savings: £16,428.75
    MFiT-T5 #8 - £20,682 of £23,100 (89.53%)
    1% Mortgage Challenge - £645.54 of £705
  • shangaijimmyshangaijimmy Forumite
    3.8K Posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    I'm afraid you'll find that no-one will accept them...In my experience any attempts to cash them in is met with one can only be visualised as the 'rage virus'.
    MFW: Was: £136,000.......Now: £66,357.66......
    Mortgage Neutral Deficit: £49,928.91... Mortgage Neutral Savings: £16,428.75
    MFiT-T5 #8 - £20,682 of £23,100 (89.53%)
    1% Mortgage Challenge - £645.54 of £705
  • Cheery_DaffCheery_Daff Forumite
    12K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    I'm afraid you'll find that no-one will accept them...In my experience any attempts to cash them in is met with one can only be visualised as the 'rage virus'.
    Hmm, not sure I like this turn of events. Must check the marriage contract 😠😂😂
    Mortgage end date at start: Feb 2043
    Mortgage end date now: Feb 2033
  • shangaijimmyshangaijimmy Forumite
    3.8K Posts
    Part of the Furniture 1,000 Posts Name Dropper
    ✭✭✭✭
    The fire is in! And Mrs SJ is delighted. I dared to comment that I'd wasted a potential Christmas present... luckily I came away with limbs intact as she was still basking in the ambience of our new fire whilst drinking gin  :)

    We have a few half term days out with the kids planned, alongside a couple of pj's and movie afternoons. We're both off for the week as well so hoping for a nice relaxing week. I do intend to powerwash the patio at some point so keeping my eye on the weather for a dry day.

    Moneywise we're doing ok I suppose. I keep holding off from adjusting our budget due to all the recent price rises but I suspect that something will need to give at some point. Mrs SJ is on a pay freeze until 2023, I had a pay cut last year and a payrise is extremely doubtful for me. The only thing that I can see us being able to claw money from is our mortgage neutral/pre retirement savings pot. I'll try and cling on till the New Year (and hope that our energy provider survives especially as we have 9 months left on our fix).


    MFW: Was: £136,000.......Now: £66,357.66......
    Mortgage Neutral Deficit: £49,928.91... Mortgage Neutral Savings: £16,428.75
    MFiT-T5 #8 - £20,682 of £23,100 (89.53%)
    1% Mortgage Challenge - £645.54 of £705
Sign In or Register to comment.
Latest MSE News and Guides