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Hope is not an Effective Financial Strategy

edited 3 March 2020 at 7:18PM in Mortgage-free wannabe
4.3K replies 359.1K views
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Replies

  • savingholmessavingholmes Forumite
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    Sounds good about the uniforms.
    Target 1) Lose weight & get fit (started) 2) Declutter 3) Get to £6k EF/Savings Now £4719 4) MFW starting at £201999 Nov 21 with 264 251 payments to go. Now £193,609 5) Mortgage neutral progress via pension £1062 invested since Nov 21 6) Write regularly 42993/70000 words Book 2 7) CC Debt free April 22 (now stay that way!!)
  • Suffolk_lassSuffolk_lass Forumite
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    Oh goodness, I remember well the constant loss of kit. Football (hockey) boots at least twice a year, and lunch boxes (how?). Our son went to a prep school until 11 and it was a licence for the school outfitters to print money. 

    Save £12k in 2022 - #14 £9,500 £10,689.11 (112.52%) at end of Sept
    OS Grocery Challenge 2022 spent £2,282.51/£3,000 annual (not incl £500 contingency) - try to keep it really low for October or there won't be anything for Christmas 76.08/65% so significantly over spent this year.
    My Debt Free Diary Get a grip Woman
  • savingholmessavingholmes Forumite
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    Glad you didn't feel too robbed by the school uniform spends.
    Target 1) Lose weight & get fit (started) 2) Declutter 3) Get to £6k EF/Savings Now £4719 4) MFW starting at £201999 Nov 21 with 264 251 payments to go. Now £193,609 5) Mortgage neutral progress via pension £1062 invested since Nov 21 6) Write regularly 42993/70000 words Book 2 7) CC Debt free April 22 (now stay that way!!)
  • savingholmessavingholmes Forumite
    22.6K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    Sounds really well organised - not that I'm surprised!
    Target 1) Lose weight & get fit (started) 2) Declutter 3) Get to £6k EF/Savings Now £4719 4) MFW starting at £201999 Nov 21 with 264 251 payments to go. Now £193,609 5) Mortgage neutral progress via pension £1062 invested since Nov 21 6) Write regularly 42993/70000 words Book 2 7) CC Debt free April 22 (now stay that way!!)
  • LadyWithAPlanLadyWithAPlan Forumite
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    Indeed, this forum is full of new figures to aim for for motivation. I am currently just TTing daily but it all helps keep me focused forward
    Following your lead I TT'd to the mortgage 87p yesterday and £1.01 this morning. Onwards and downwards  B)
    I actually cant wait to have a mortgage just so I can do daily Ops and TT's - forget the buying of the home - its OP challenge that feels most exciting to me right now!
     I am choosing to be frugal to support some fabulous life changing and affirming financial goals

    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
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