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Hope is not an Effective Financial Strategy

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  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Sarah - looking back it's amazing and terrifying!. At times I think "what on earth were we thinking?"

    DFOD - love the idea of different colours. My black sharpie pen seems very dull now!

    Tidied 33p this morning and we're edging ever closer to accounts day. Some great news in that our water bill has gone by £15 per month (I always thought we were overpaying), so that will trigger a spreadsheet adjustment and in particular the mortgage OP column!
    MFW: Was: £136,000.......Now: £47,736.58......
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Impromptu caravan weekend with dreadful reception. Just pinching our neighbours wifi...ssshhh!

    Tilly tidied £1 this morning so now over £20 for the month on this. I did have my quick spreadsheet adjustment yesterday and will be upping my OP SO by £30. This will start in September and is quite a sizeable increase. To be fair it won't really stretch us either which is a reflection of how much we've taken on board the whole MF world.
    MFW: Was: £136,000.......Now: £47,736.58......
  • That's great! Well done. Hope you are having a nice weekend!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Another whole £1 TT'd this morning. Looking forward to accounts posting and spreadsheet day tomorrow. Equally looking forward to catching up on peoples dairies.
    MFW: Was: £136,000.......Now: £47,736.58......
  • I hope it's dry where you are, it's raining here!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Dry fortunately. Cool andbreezy with grey skies that could easily change to rain in any second...
    MFW: Was: £136,000.......Now: £47,736.58......
  • Enjoy SJ x
    MFW :)
    [STRIKE]Mortgage 8.2.15 - [/STRIKE][STRIKE]£171,064.64[/STRIKE] Mortgage 1.5.2018 - £99,980.45
    Aiming to be MF 1.10.2020
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    £1 TT'd this morning. Lazy morning featuring tea, sausages and cbeebies! Then pack up, load car, quick hoover round then home for lunch.

    Kids super excited as we're getting a hamster this afternoon. DS1 wants Rex, Mrs SJ wants Ernie and I want Boris!

    I'm super excited for seeing my dog (we didn't bring him caravan this weekend) and posting accounts, updating spreadsheets, updating signature and brick colouring...
    MFW: Was: £136,000.......Now: £47,736.58......

  • I'm super excited for seeing my dog (we didn't bring him caravan this weekend) and posting accounts, updating spreadsheets, updating signature and brick colouring...

    That sentence alone read in isolation from a non MSE-er would make you seem a strange sort of guy! Luckily us lot on here know you're ok!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Without seeing spreadsheet for a few days I can't work out/remember how close to the 129k's we are, so you can imagine the anticipation!! Hoping it's within £10, as then I'll make an extra OP!! Could be 2 bricks, all of the 130k's and top target from post 1!
    MFW: Was: £136,000.......Now: £47,736.58......
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