Hope is not an Effective Financial Strategy
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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: £61,892.24......
Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
1% Mortgage Challenge 2022 - £157.59 of £6500 -
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 27.10.190 -
C-section is booked in for 21st so anytime up until then!!MFW: Was: £136,000.......Now: £61,892.24......
Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
1% Mortgage Challenge 2022 - £157.59 of £6500 -
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 27.10.190 -
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 £61,000Outstanding Mortgage £27,971Emergency Fund £62,100I AM NOW MORTGAGE NEUTRAL!!!! <<Sep-20>>0
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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: £61,892.24......
Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
1% Mortgage Challenge 2022 - £157.59 of £6500 -
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: £61,892.24......
Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
1% Mortgage Challenge 2022 - £157.59 of £6500 -
Nice bonus OP SJ! Have a great day xMFW
[STRIKE]Mortgage 8.2.15 - [/STRIKE][STRIKE]£171,064.64[/STRIKE] Mortgage 1.5.2018 - £99,980.45Aiming to be MF 1.10.20200 -
shangaijimmy wrote: »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 27.10.190 -
Great knowledge. We only broadband and no intention of TV so not sure if that makes us less appealing for offersMFW: Was: £136,000.......Now: £61,892.24......
Mortgage Neutral Deficit: £43,082.90... Mortgage Neutral Savings: £18,809.34
MFiT-T6 #13 - £3,517 of £15,500 (22.69%)
1% Mortgage Challenge 2022 - £157.59 of £6500
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