Hope is not an Effective Financial Strategy

edited 3 March 2020 at 7:18PM in Mortgage-free wannabe
4.3K replies 359.6K views
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  • Humdinger1Humdinger1 Forumite
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    @shangaijimmy thrilled to see you posting again! Can I add to the tales of dog redemption?! Our 15 month old pup ran into a metal cattle trough hidden by long grass. Was on a ventilator for nearly 1 week, on and off; couldn't even stand.  We went to say goodbye to him after 10 days of hell and what do you know, he'd taken a major step forward that very morning! Now breathing alone, on his legs; we collect him on Friday! The vets say it's a miracle and so do we!!  Before we got him, I was a cat person but am totally in love with the glorious pup.  So delighted that you are back and with such splendid news Humdinger 
  • savingholmessavingholmes Forumite
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    @Humdinger1 that sounds traumatic. Glad your dog is now on the mend.
    Target 1) Prioritise health & social connection 2) Write regularly 42,993/70,000 words Book 2 and 10,787/70,000 Priestess book 3a) Get to £10K EF/Savings Now £4,573 3b) £1.6K Savings for DD Car (Achieved) 4) MFW starting at £201999 Nov 21 with 264 249 payments to go. Now £192,304 5) Mortgage neutral progress via pension £1,887 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
  • Humdinger1Humdinger1 Forumite
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    @Humdinger1 that sounds traumatic. Glad your dog is now on the mend.
    Thanks @savingholmes it was! I was waking up to cry every few hours through the night.  Add to that the fact I'd just been diagnosed with diabetes and it was a perfect storm! All under control now and I stand a pretty good chance of reversing the diabetes by the end of this year but what an ash-heap I was burrowing in for a while...sorry @shangaijimmy, don't mean to hijack your diary.  Onwards and upwards Humdinger 
  • AimingforthegoodlifeAimingforthegoodlife Forumite
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    I had been looking for you @shangaijimmy, on my original name I used to follow you and several others who aren't around as much at the moment, had a quick catch up- only since Dec 2021. So glad pooch is ok, they are such big parts of the family! Hope all is well in other areas and that you will be back soon :smiley:
  • Baileys_BabeBaileys_Babe Forumite
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    Thanks, @shangaijimmy for posting your graph and notes, it is making me review our finances and see what tweaks we want to make and those we need to do.
    Fashion on a ration 2023 66/66 coupons remaining
    Rolled over coupons 62.5/62.5 remaining (using for secondhand purchases)


    One income, home educating family 
  • savingholmessavingholmes Forumite
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    Thanks for sharing your graph. It's fascinating seeing how others divide their money up. Always thought provoking.

    Hope your DW gets a decent settlement.
    Target 1) Prioritise health & social connection 2) Write regularly 42,993/70,000 words Book 2 and 10,787/70,000 Priestess book 3a) Get to £10K EF/Savings Now £4,573 3b) £1.6K Savings for DD Car (Achieved) 4) MFW starting at £201999 Nov 21 with 264 249 payments to go. Now £192,304 5) Mortgage neutral progress via pension £1,887 invested since Nov 21 6) Declutter 7) Invest in fun and frolics - and not just future self! 8) CC Debt free April 22 (now stay that way!!)
  • Suffolk_lassSuffolk_lass Forumite
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    Ooh, how much do I love a good graph!?  <3
    Save £12k in 2023 - #50 target is £5000 OS Grocery Challenge 2023 annual budget remains at £3000 (plus £500 contingency) Save £12k in 2022 - #14 £9,500 £11,491.41 (120.96%) at end of November (£330.25 to be added to the spreadsheet) OS Grocery Challenge 2022 spent £2,732.22/£3,000 annual (not incl £500 contingency) - my butcher's bill for December was my freezer plus my Christmas money from my Mum. My Debt Free Diary Get a grip Woman
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