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Hope is not an Effective Financial Strategy

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Comments

  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    So I go from steering away from talk talk, to being back onto giving them a try! Aaahh!

    Small 33p TT this morning. Just waiting for halifax rewards to be swept up by tesco DD's for my next £15 OP.

    WE're a bit tight ( as usual for Jan), payday is 9 days away and we have £65 left, but food and petrol are accounted for so we'll be fine. We have spent about £80 on January birthdays which has created the low bank balance but we having much on anyway so we'll be fine. Actually it's very good January when we OP'd by £600 in December alongside Christmas.
    MFW: Was: £136,000.......Now: £47,736.58......
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Just lost my post; so shorter version here;

    Haven't managed to catch up to date with your diary, and so not at the bit where I have found out Mrs SJ's due date, is it soon?

    So off, to relist/list on the bay - hope i'm as lucky as you are as i'm also trying to clear some space, and as you say better in my pocket (mortgage o/p's) than in a black bag.:)
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    C-section is booked in for 21st so anytime up until then!!
    MFW: Was: £136,000.......Now: £47,736.58......
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Lovely, so very soon then:) have time to catch up your diary without missing the announcement:D

    ps I know how you like figures, well you have 3333 "thanks":beer:
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • lippy1923
    lippy1923 Posts: 1,374 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    It's nearly time :) So exciting. I've just had my little ones birthday so feeling the pinch of no money this month as well.
    Total Mortgage OP £61,000
    Outstanding Mortgage £27,971
    Emergency Fund £62,100
    I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>

  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Broadband thoughts and research are just confusing me more and more. So gonna do a web chat with sky on Friday in work, then make a decision on instinct!! Friday is cut off so I don't forget when the whole baby thing happens.
    MFW: Was: £136,000.......Now: £47,736.58......
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    94p TT done with morning cup of tea. Also spotted a major miscalculation to currant account. We've actually got £170 more to last till payday than I thought!

    So, figuring I thought we didn't have it I'll OP a bonus £50 to punish myself for the oversight...!
    MFW: Was: £136,000.......Now: £47,736.58......
  • Nice bonus OP SJ! Have a great day 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
  • Broadband thoughts and research are just confusing me more and more. So gonna do a web chat with sky on Friday in work, then make a decision on instinct!! Friday is cut off so I don't forget when the whole baby thing happens.


    I made an enquiry with Sky on web chat, and as it was only an enquiry was finishing off the chat as I had got the info i needed, they offered me discount after discount so not to finish chat with me.


    Just saying.:)
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Great knowledge. We only broadband and no intention of TV so not sure if that makes us less appealing for offers
    MFW: Was: £136,000.......Now: £47,736.58......
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