Hope is not an Effective Financial Strategy

Karmacat

Pumpkin picking is getting to be a thing, isn't it!  Creating memories by extra sploshing is a great idea, have lots of fun!

shangaijimmy

Pumpkin picking was a lovely couple of hours. There was also a haunted maize, which the little un's absolutely loved. We got away with the rain, but there was still plenty of mud for wellies.

No real financials to report other than a few card payment round ups. 

MFiT-T5 spreadsheet has been updated and for the first time I've dropped into the yellow with a shortfall of £493  With 1 more 3 month period to go before the end I think we'll finish about £1k short of our stretch target. I start have a think about what kind of target to set for MFiT-T6, hoping that someone will run it of course  I'm currently thinking of around the £20k mark.

Onwards and downwards!

Suffolk_lass

I am loving the pick your own pumpkins this year. Round here (East Anglia) it is driven by a shortage of labour but you have to admire the "event" approach that the growers are taking. Carving lessons and all sorts here

trix-a-belle

shangaijimmy said:

MFiT-T5 spreadsheet has been updated and for the first time I've dropped into the yellow with a shortfall of £493  With 1 more 3 month period to go before the end I think we'll finish about £1k short of our stretch target. I start have a think about what kind of target to set for MFiT-T6, hoping that someone will run it of course  I'm currently thinking of around the £20k mark.

Onwards and downwards!

Have no fear SJ, Julicorn said she would pick it up from T6 which makes sense as she runs the annual challenge

Suffolk_lass

Ooh @trix-a-belle I had not realised you were giving up. I just popped over to take a quick catch up and I see you cleared yours almost a year ago - well done! I know you did it before but what a great feeling.

trix-a-belle

Suffolk_lass said:

Ooh @trix-a-belle I had not realised you were giving up. I just popped over to take a quick catch up and I see you cleared yours almost a year ago - well done! I know you did it before but what a great feeling.

Thanks, had the opportunity via family to despatch this one & the ERC was less than the interest so made sense & has given me serious peace of mind which is needed after the last few years, & especially as i'm now on the energy company gone pop merry-go-round you had last winter, as well as oil price fun (I have already made 1 draught excluder for the front door from your recommendations & am half way through a 2nd for the back door, they are great at using up foam offcuts from jobs).

We need a holiday update over on your thread, I wasn't sure if you were back, & if you had solved your drippy dishwasher tray problems.

Suffolk_lass

trix-a-belle said:

Suffolk_lass said:

Ooh @trix-a-belle I had not realised you were giving up. I just popped over to take a quick catch up and I see you cleared yours almost a year ago - well done! I know you did it before but what a great feeling.

Thanks, had the opportunity via family to despatch this one & the ERC was less than the interest so made sense & has given me serious peace of mind which is needed after the last few years, & especially as i'm now on the energy company gone pop merry-go-round you had last winter, as well as oil price fun (I have already made 1 draught excluder for the front door from your recommendations & am half way through a 2nd for the back door, they are great at using up foam offcuts from jobs).

We need a holiday update over on your thread, I wasn't sure if you were back, & if you had solved your drippy dishwasher tray problems.

I am. Had a cold and spent a few days in bed and my word, lots to catch up on. I'll stop hijacking SJ's thread now

shangaijimmy

Suffolk_lass said:

I am loving the pick your own pumpkins this year. Round here (East Anglia) it is driven by a shortage of labour but you have to admire the "event" approach that the growers are taking. Carving lessons and all sorts here

It was a lovely couple of hours and really well put together. Thankfully the weather was kind, although I do think the exploits in the rain add to the kids memories! Mrs SJ definitely doesn't subscribe to my opinion here, or DS1!

trix-a-belle said:

shangaijimmy said:

MFiT-T5 spreadsheet has been updated and for the first time I've dropped into the yellow with a shortfall of £493  With 1 more 3 month period to go before the end I think we'll finish about £1k short of our stretch target. I start have a think about what kind of target to set for MFiT-T6, hoping that someone will run it of course  I'm currently thinking of around the £20k mark.

Onwards and downwards!

Have no fear SJ, Julicorn said she would pick it up from T6 which makes sense as she runs the annual challenge

Great news, I will move my thinking about a target into plan formulation stage 

Suffolk_lass said:

trix-a-belle said:

Suffolk_lass said:

Ooh @trix-a-belle I had not realised you were giving up. I just popped over to take a quick catch up and I see you cleared yours almost a year ago - well done! I know you did it before but what a great feeling.

Thanks, had the opportunity via family to despatch this one & the ERC was less than the interest so made sense & has given me serious peace of mind which is needed after the last few years, & especially as i'm now on the energy company gone pop merry-go-round you had last winter, as well as oil price fun (I have already made 1 draught excluder for the front door from your recommendations & am half way through a 2nd for the back door, they are great at using up foam offcuts from jobs).

We need a holiday update over on your thread, I wasn't sure if you were back, & if you had solved your drippy dishwasher tray problems.

I am. Had a cold and spent a few days in bed and my word, lots to catch up on. I'll stop hijacking SJ's thread now

Hijack away...its only an extension of family events where I sit in the background listening, smiling and nodding at appropriate moments!

shangaijimmy

Little round up of accounts yesterday and I OP'd £3.55 from debit card round ups from the week. I would say that I have about £8 to find from these bits and bobs to reach my 1% target for the year, which is pleasing. I may go for 1.5% next year.

All is rather serene here at the moment. I'm continuing with a gradual quest to rid 'stuff' from the house so quite a few things have been binned over the weekend. 1 bag of teddys went to charity donation, and I have a charity bag of outgrown clothes in the garage steadily filling up. 

This is my main focus for November. Find some room in the house in readiness for replacing it with Christmas stuff! To be fair DS1 & DS2 are now at the stage that we don't really acquire extra stuff. DD on the otherhand...

Watty1

Enjoyed the catch up.  Am decluttering here but for different reasons