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
    19.3K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Well done on all that you've achieved despite family and pet illness. Happy New Year!
    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
  • Cheery_DaffCheery_Daff Forumite
    12.9K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Ah yes, good point - we have a temporary dog at the minute and I feel like I've walked miles already today - should have put the pedometer on!
    Taking a break from the internet for May
  • CathTCathT Forumite
    7K Posts
    Part of the Furniture 1,000 Posts Name Dropper
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    That's a great steps count!

    With regards to inflation I'm starting to think we will need to be mortgage free just to be able to pay the council tax and energy bills! 
    May 2022 - part 1 - £46,452 part 2 - £30,832
    Total - £77,284
    66 months to go!

  • Fortune_SmilesFortune_Smiles Forumite
    4.4K Posts
    Tenth Anniversary 1,000 Posts Name Dropper Photogenic
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    Well done SJ - I'm going to take a leaf out of your book next year and do my steps!

    Fortune x

    Mortgage: 65% paid Mortgage Neutral: 65% Emergency Fund: 79%

    Tales from the Shire
    All we have to decide is what to do with the time that is given to us - J R R Tolkein
  • savingholmessavingholmes Forumite
    19.3K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Well done on those steps - that's phenomenal!
    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
  • Jessy103Jessy103 Forumite
    1.5K Posts
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    Very in awe of your steps and dedication, SJ! I've become a bit lazy with mine and was very tempted to attach my fitbit to one of the dogs collars so they could do the work for me 😂
    Mortgage Balance as of 01/01/22 £51,500
    Mortgage Balance as of 31/12/20 £61,000
    Mortgage Balance as of 31/12/19 £69,000
    Starting Mortgage Balance (June 2019) £72,000
    2022 Overpayment Challenge: Jan £361.42, Feb £304.55, March £198.15, April £517.97, May £264.19
    Savings Target: £500/£1,200
  • debtfreeonedaydebtfreeoneday Forumite
    4.5K Posts
    Part of the Furniture 1,000 Posts Name Dropper PPI Party Pooper
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    Well done on your steps. I do feel like I’ve achieved when I get my 10k in daily but haven’t always achieved it. 
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £49,846.76
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