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Hope is not an Effective Financial Strategy

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  • Evening All

    Tilly Tidies this weekend £1.04 from 'Happy stash' plus 43p from food!!!
    NSD last month are: 22/30 :-)
    Cool!!! Am gonna toal my tilly tidies by going back over these posts for Nov - I wonder how much they come to - will let you know tomorrow!
    Nite all
    Aim for Sept 17: 20/30 days to be NSDs :cool: NSDs July 23/31 (aim 22) :j
    NSDs 2015:185/330 (allowing for hols etc)
    LBM: started Jan 2012 - still learning!
    Life gives us only lessons and gifts - learn the lesson and it becomes a gift.' from the Bohdavista :j
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Really sorry peeps but I've been decidedly quiet for a day or so. Too much going on with nativities, beavers, parties, school, nursery, work, decorations and 33wk pregnant Mrs SJ who keeps falling over (please note that I didn't say toppling)...

    So apologies to debt free as I didn't OP TT,s on Sunday! I promise I will this weekend. So real quickly before me and DS2 head out on bikes, I've just OP'd £15 worth of halifax rewards, eBay pot is now at £91 after a few more sales.

    And finally, did I mention I finish for Christmas on Thursday?????? Woo hoo!
    MFW: Was: £136,000.......Now: £47,736.58......
  • Hey SJ, don't apologise, this is a hectic time of year anyway without baby bumps and OPing thrown into the mix! I hope you are planning a restful Christmas with the SJ clan. Best wishes, and as always those figures are looking awesome xx :)
    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
  • Ali-OK
    Ali-OK Posts: 4,073 Forumite
    Part of the Furniture Debt-free and Proud!
    Hope Mrs SJ and bump are ok.

    Sounds mad busy at the moment, you'll make up those posts after Thursday I bet ;)
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • Luckyinlife
    Luckyinlife Posts: 1,613 Forumite
    well done on finishing shang :] cant wait till im done hehe
    Mortgage--- [STRIKE]£67700 March 15[/STRIKE] [STRIKE]£65221 April 15[/STRIKE] [STRIKE]£64983 July 15[/STRIKE] [STRIKE]£64780 sept 15[/STRIKE] Remortgage [STRIKE]£67295 oct 15[/STRIKE] [STRIKE]£66599 Nov 15[/STRIKE] [STRIKE]£65878.73 Dec 15[/STRIKE][STRIKE] £64834 1st Jan 16[/STRIKE] [STRIKE]Feb 16 £64,511.89[/STRIKE][STRIKE] March 16 £64,056.40[/STRIKE] [STRIKE]April 16 £62550[/STRIKE] [STRIKE]May 16 £62,396.20[/STRIKE] Feb 17 £60.800
    Emergency fund 23k
  • Once again work getting the way of this forum!

    2 hr drive followed by a 5 hr meeting (that they could have emailed the info and I'd have read it all in 1 with a brew and some dunkers), followed by a 2 hr drive, then 3 more mini meetings/briefings!

    On a plus note it as a NSD, and did I mention 1 more day in work...(admittedly I've got mountains to do but I'll smile my way through it)...
    MFW: Was: £136,000.......Now: £47,736.58......
  • Please to report all shopping for boys has been boxed off with the last couple for each of them today. Also had to buy some emergency t-shirts for DS1 as he's literally grown out of everything since October and had just 1 that fit him!!
    MFW: Was: £136,000.......Now: £47,736.58......
  • Glad to hear you've got all the childrens presents sorted. Ours were all from T0sco courtesy of boost vouchers for toys, very very pleased. Have a great weekend 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
  • Big decision made today... Instead of it rattling on we're getting new car before Christmas. Our car is a squeeze for 2 adults and 2 boys, but when you add another to the mix we just won't fit!! The size of car seats adds to the problem.

    So car type is picked, money is pretty much sorted (planned and budgeted as ever), so whilst I'm off its getting sorted this coming week! Neither of us can stand decisions being drawn out, and trawling round so I'm going in all organised, defiant, insistent and in decision making mode!
    MFW: Was: £136,000.......Now: £47,736.58......
  • Phew - Jimmy catching up with reading diary and Im breathless !! WOW busy or what - btw - I work in the same way with purchasing decisions - some research - decision made - go and get it done - none of this aimless wandering arround agonising folk seem to waste a lot of time doing!

    anyhooo - Tilly Tidies for the week £1 from Happy Stash and 87p from grocery budget (upped to £30 cos 28 year old DS2 staying with me and replastering large sections of house! :-)
    Nite all
    Aim for Sept 17: 20/30 days to be NSDs :cool: NSDs July 23/31 (aim 22) :j
    NSDs 2015:185/330 (allowing for hols etc)
    LBM: started Jan 2012 - still learning!
    Life gives us only lessons and gifts - learn the lesson and it becomes a gift.' from the Bohdavista :j
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