Hope is not an Effective Financial Strategy

hiddenshadow

Haha, MSE shopping is the best kind.

Luckyinlife

shangaijimmy wrote: »

A lovely start to the New Year with a belated gift of hitting the 99's in January though!

This would be smashing shang new year under 100k and youll feel motivated as ever :]

loads of good deals out there this week :j:j

shangaijimmy

Just TT'd £1this morning taking the pot to £18.04 for November. With 2 days to go will it get to £20??

debtfreeoneday

shangaijimmy wrote: »

It is debtfree. We've got some cashback expected for December as well and i'm optimistic of the big month not affecting our OP plan either. I honestly am astounded looking at my spreadsheet for how well we've done this year. To be £500 ahead of the 'dream' goal at the end of the year just shows what you can achieve if you really stay disciplined. Definitely having a diary has been a major part of it.

It's really set us up and motivated us for the big challenge!

That mean you're hanging around for another year then? :rotfl:

cookie9

Great work on reducing your mortgage!

shangaijimmy

Thanks for saying hello cookie.
Debtfree - i'm defo here for the long run. Keep looking at spreadsheet saying 'this time next year...'. My only concern is sticking with it in the New Year once number 3 comes along and things get a touch busier!

hiddenshadow

shangaijimmy wrote: »

Keep looking at spreadsheet saying 'this time next year...'.

Glad I'm not the only one.

shangaijimmy

Hidden, i'm actually looking forward to my monthly updates from March when i can compare some 2015 and 2016 figures! I could do it now but things are much different since we had a look at money and finances last Christmas, with remortgage, frugal budgets etc...

£1 TT'd this morning which with 1 day to go outs us 96p short of the £20 mark for that pot.

Sold 4 more things on ebay yesterday from relisting of last weekends things (boys clothes from 0-3years - a few pence short of £40 but the money will go to DS1 birthday rather than OP (as tempting as it is). It was free listing again yesterday so i relisted everything and added another 20 items that were in the 'draft listing' folder. In total today we have 53 items listed!!

Last things of note to comment on is 1 sleep to accounts posting...!

lippy1923

Lol I'm looking forward to accounts posting as well.

Tomorrow is payday and Tuesday is that lovely 1st of the month

shangaijimmy

Let's see if I make up any ground on you this month! Make sure you post your months net reduction!!