Hope is not an Effective Financial Strategy

shangaijimmy

Not much happened really over the last few days. We sold a few things on eBay but for small amounts so not making massive amounts. Still it clutter out of the house and a few quid in our paypal towards house redecorations.

We had a few days in the lakes which were lovely but exhausting with the kids, so back to work tomorrow for a rest! :beer:

£15 nicely donated by Halifax rewards (x3) has been swept up by tesco savings and forwarded onto the mortgage. :j

That takes our April overpayments to £30.47 which is a big chunk of the £100 extra each month that we need. However with no more bank accounts to get it off, I may fall short. :mad:

That said last month I managed £200 extra, so I am in credit I suppose!! :T

Last piece of news is thaT HSBC are phenomenally slow in sorting our the advance account. I'll keep you all posted.

lippy1923

Great for the ebay sales!

Try posting up your SOA and see what people suggest. You never know, you might notice something to cut back on yourself.

May help you reach your extra £100 each month

shangaijimmy

Not a great MSE weekend. The big house redecoration recommenced with eldest boys Marvel Superhero's room!

Though the de-clutter has been effective with 1 bag of stuff ready for ebay listing, 2 bags for doorstep charity collection, 1 bag for charity drop off and the bin half filled!!

About the only thing MF today is to move some money between current accounts for next months rewards!

Enjoy the weekend, at least i only have glossing left...

shangaijimmy

lippy1923 wrote: »

Great for the ebay sales!

Try posting up your SOA and see what people suggest. You never know, you might notice something to cut back on yourself.

May help you reach your extra £100 each month

HI Lippy. I posted our SOA (or my version) on one the first few posts. To be honest i've used everyne else's lately to strip lots off our spend. The only things that trouble me are water (which i need to get onto united utilities) and gas & electricity.

I was considering selling one of my wife's kidneys...

shangaijimmy

Mini text statement in the morning...! Nice progress report and i can see how much daily interest has fallen. I'm hoping for under £7.40!!

shangaijimmy

Quick post really to say that all is quiet at SJ Towers. Marvel Superhero bedroom is finished and looks amazing. We have 1 very happy 6yr old sat on his top bunk!

Our de-clutter gathers apace, and with it Mrs SJ's enthusiasm for ruthless decluttering.

We have a huge bag of stuff for ebay, so we're waiting patiently for a free listings weekend (MSE as ever!!).

Money wise we're in great shape and looking like the month of April we'll overpay by £460, keeping nicely on schedule. I have mini target of being sub 130k by end of August!

atypicalblonde

Hi Shangaijimmy

I have just read through your diary, the superhero bedroom sounds awesome! Great news that you are on target, isn't it such a lovely feeling?

Best of luck with ebaying, its such a drudge to list it all isn't it, but well worth it when you see those green numbers indicating bids! Keep on keeping on pal x

shangaijimmy

Thanks for reading ATB. I'm subscribed to your diary so see your posts and mental turmoil/determination!

Seeing that balance drop, and the daily interest drop is a great feeling. Thinking about the opportunities we'll be able to give our 2 boys (and possibly number 3) is hugely motivating. And with ever successful mini target or year, our long term futures are more secure.

To be honest the whole ebay thing doesn't really bother me. I make all my listings when the boys are in the bath so i try not to let it affect normal time etc...

Loving the way you "shout" not buying it 2015! Just wish Mrs SJ would follow that mantra, even for a few months per year!!

shangaijimmy

I'm now upgraded from convert to stalwart :j

Whats my next target, and what will it take to get there?

atypicalblonde

I couldn't agree more - children really do bring things into sharp focus at times don't they. If we stick to our plan, the mortgage will be paid off when our two are 6 & 7, which would just be lovely.

The Not Buying It thread on the OS board is well worth a read, especially the first 6 pages. My favourite comment on there, and one which inspired me on this journey, is that all we really need in life is sufficient shelter, food, warmth and good companionship. Everything else is froth and excess and not worth a jot.