Hope is not an Effective Financial Strategy

edited 3 March 2020 at 8:18PM in Mortgage-Free Wannabe
4.3K replies 352.2K views
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  • savingholmessavingholmes Forumite
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    It's taken me quite a while - but have now caught up on your diary. You certainly have won often on the postcode lottery and PBs. Well done on all those TTs. Will continue to watch with interest as you get closer to mortgage neutrality.
    Target 1) Clear CC debt - SUCCESS 13/4/22 Target 2) Lose weight & get fit 3) Write regularly 3811342714/70000 words Book 2 4) Develop passive income streams 5) Get to £3K EF 6) Declutter 7) MFW starting at £201999 Nov 21 with 264 258 payments to go. Now £198132. 8) Mortgage neutral progress (via private pension starting value c£3643 Nov 21) extra payments £312 including tax relief
  • shangaijimmyshangaijimmy Forumite
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    Watty1 said:
    Enjoyed the catch up.  Am decluttering here but for different reasons :)
    Thanks for checking. Your email alert in my inbox definitely pricked my conscious that I've been neglecting this diary!!!
    MFW: Was: £136,000.......Now: £65,000.00......
    Mortgage Neutral Deficit: £46,405.01... Mortgage Neutral Savings: £18,594.99
    MFiT-T5 #8 - £20,682 of £23,100 (89.53%)
    1% Mortgage Challenge 2021 - £707.85 of £705
    Declutter 2022 (minimum of 1 item per day) - 12//365
  • shangaijimmyshangaijimmy Forumite
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    It's taken me quite a while - but have now caught up on your diary. You certainly have won often on the postcode lottery and PBs. Well done on all those TTs. Will continue to watch with interest as you get closer to mortgage neutrality.
    I am in awe of your perseverance for catching up. We actually had another £10 postcode lottery win early in December as well  :) At the moment the little payments of TT's and debit card round ups are the only real thing that is keeping me motivated at the moment. More in the next post...
    MFW: Was: £136,000.......Now: £65,000.00......
    Mortgage Neutral Deficit: £46,405.01... Mortgage Neutral Savings: £18,594.99
    MFiT-T5 #8 - £20,682 of £23,100 (89.53%)
    1% Mortgage Challenge 2021 - £707.85 of £705
    Declutter 2022 (minimum of 1 item per day) - 12//365
  • Suffolk_lassSuffolk_lass Forumite
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    I agree too. The wheatgerm bread has increased from 65p to 95p a loaf over two years and 20p of that is this year. The fancy bread went from £1.60 to £1.80 a loaf too. Just by way of one (bread) example. I also notice the Leicester crisps people whose stock control computer failed, have increased the price for 6 small bags to £1.70 from 2 for £2.50 at the start of 2021. So that is one treat we will dispense with now. 

    Good to see you back posting this week. One of my favourite diaries to keep up with. I hope your dog is OK

    Save £12k in 2022 - #14 aiming for £9,500 £7,682.98 (80.87%) at end of March (front loaded)
    OS Grocery Challenge 2022 target £1,125.68/£3,000 37.52% annual (not incl £500 contingency) - overspent by £125.68 after 4 months and leaving no extra for Christmas at this rate
    My Debt Free Diary Get a grip Woman
  • Cheery_DaffCheery_Daff Forumite
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    Excellent update SJ 😊 Glad DD is feeling better. All fingers crossed for the dog, I do sympathise with the vet bills.

    Hope you can make your OP target, and have you really kept up 10,000 steps every day of the year?? I am extremely impressed!
    Taking a break from the internet for May
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