Hope is not an Effective Financial Strategy

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  • KajiKita
    KajiKita Forumite Posts: 2,037
    1,000 Posts Second Anniversary Name Dropper Photogenic
    Forumite
    Hi @shangaijimmy :) 

    I have read your diary here from the beginning to now. It feels like the story is unconcluded .... It would be lovely to hear how you, your family and your MSE journey is going now. Have you switched careers?

    Either way, whether you post or not post, I just wanted to personally thank you for everything I have learned from your thread. Very much appreciated  :)

    KK
    As at 28.08.2023:
    - £16,241 of target £10,000 YNAB savings pots and EF
    - When bought house £315,995 mortgage debt and end date at start = October 2039 <gulp>, now £265,505 end date reduced by 1 month (been catching up mortgage holiday during furlough) 
    - OPs to mortgage = £4,952 to date
    - LTV 52% @ccord, 51% Yopa
    Fixed rate 2.17% deal ends October 2024

    Proud member of Tilly-Tidy Club since January 2022:
    TOTAL for 2022 = £2,008.67
    Jan ‘23 £50.53, Feb £2.52, Mar £55.40, Apr £265.15, May £101.25, Jun £708.10, Jul £3.93, Aug £2.02

    Read 45 books of target 52 in 2023 (Last updated 22nd September). 
    Produce tracker: £153.94 of £100 target 😊

    Watch your thoughts, they become your words. Watch your words, they become your actions. Watch your actions, they become your reality. 
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