Hope is not an Effective Financial Strategy

debtfreeoneday

:rotfl: at Gally girl!

Have to say it's the little pence and pounds throughout the month that keep me going as well!

shangaijimmy

Offer on at Vets - 2nd one half price... Added bonus is its a day off work...

shangaijimmy

TT'd another whole £1 this morning which is 5th day running. Takes the TT total to £18.81 with 7 days remaining.

shangaijimmy

76p TT'd this morning and payday for both of us tomorrow, so the money shuffle for September begins!

Cashback from morethan off quidco didn't arrive yesterday so a delay on that one. But at least we know its coming eventually!

Busy day tomorrow as we have pooch going for the chop and our new fridge finally arrives, after much shenanigans! I'm praying they bring the right one or I'm sure Mrs SJ will explode!

Ali-OK

Popping in to catch up - good work on the TTs and surplus this month.

Loving the names chat and hope the pooch op goes well..and the fridge is the right one!

debtfreeoneday

Hope woofer is ok and the right fridge arrives! Yay to payday!

shangaijimmy

11p TT'd this morning.I've left the payday money shuffles till tomorrow though as im mega tired and cant think straight!!

Pooch was petrified when we turned in the street, which is amazing as he's only been once and all they did then was make a fuss of him!! Fridge was the right one (a touch bigger than the last and i must say it makes a huge difference in the place we have it), so has been unpacked and put in position. Just waiting for the 3 hour gas settle now before switching on.

So back to money shuffle ideas. I'm going to have a good stint tomorrow looking at our targets and schedules as i'm sure we can squeeze another £50 a month or so, and im really keen to see if i can knock some more months off the original 120 payments target. I'd love to do it 100, so im going to see what we need to do to achieve that.

I'll be back with plans tomorrow!

wildesavings

Sounds good! Really enjoying your diary

shangaijimmy

Right i threatened to have a look at targets to see if we could shave anymore off, and i'm pleased to say that i've looked...however there's not much more i can do!!

However i do think if we can make an extra £400 a year, so approx £35 a month then it's knock off 11 payments. Now looking at what we currently do i reckon we'd have that left at the end of each month anyway. so starting 2 days ago i'm going to go for that. So, providing we have it i'll make a bonus £35 OP on the 24th of each month. And i've done if today on behalf of September.

Not sure we'll achieve it every month, but we'll see.

Ooh excited now as i can save another tab on my master spreadsheet!

hiddenshadow

Nice! Almost a year off the term for £35/mo? Yes, please.

I've calculated our main OP as high as it can go so that our budget looks "tight". I'm hoping that'll keep us from overspending (though I have a feeling it'll work better on me as I'm less likely to impulse buy than DH). Time will tell...