The Spreadsheet Diva's MF Diary

SueP19

Ok mini update on the clothing front.

I asked them if they would be having any more stock and when.........................the answers was yes but unfortunately they had no idea when.

At that point they asked me for a third time if I wanted the order shipped without the coat or with a lighter coat.

My reply was I want the whole order cancelled

They have now listed as sold out

SueP19

Watch those email out there all you MFW

Emails are flying around from HMRC saying you are due a tax refund and the timing of the scammers is spot on with tax return deadline just gone................oh and the email looks really real, as does the website

SueP19

Boy, it's a long old road this :wall:

I am trying not to wish time away but at this point, the beginning, just feels like an eternity............is that how a marathon runner feels in the first mile

I have my budget all sat nicely on spreadsheet, black for bank reconciled, red for actual spent and blue for budgeted, looks lovely. Am keeping a logged analysis of where my spends have gone. I am tilly tidying every day

I have to say it's not going badly wrong but it tending to wobble a little, maybe focus is not all there yet and it does seem a forever thing to do. I think that little and often is the key I have read so many times in diaries, it's a slog so I need to change my gears and not get frustrated

Typing on here really does help

Other news, started making payments to a small bill as they wouldn't accept a final offer figure, paid £5 on 28th. They have emailed me today saying I haven't paid and my account was now in arrears!!!! It transpires he missed a digit out of the reference number. Upon informing him of this he said I have to make another payment to be out of arrears....................whoa, I don't think so, you take me off arrears and find my £5, not my fault your error not mine, you so have to watch these people, nothing but charlatans :mad::mad::mad::mad:

shangaijimmy

Definitely is a long slog. My key is to break it up into smaller chunks rather than imagining 10 yrs. At the minute i have a 2 yr focus as that brings the end of my current fix, and i'm currently 11 months into this).

SueP19

Shangai I think you may be right there, I keep thinking about not having the mortgage and it seems such a big amount to pay off (not as big as some)

Thank you I think I will ponder over what stages would suit me and mean something :beer:

PS am now teaching DD the benefits of multiple savings accounts and Tilly Tidy :D:D

A_Frayed_Knot

With me, my focus was working out what I needed to o/p monthly to get to my target date.

So having worked that out , thanks to your snowball linky :T (and I do know that life/interest rates etc etc gets in the way) my main focus is on my monthly o/p - that way if I manage that, I know I should be on target for my mortgage free date, and I just ignore the total mortgage figure except when I make a breakthrough down to the next 10 thousands :j

Oh, and excellent news teaching DD about multiple accounts and TT's. Wish I had known all about them years ago as probably the same as so many of us.

Karmacat

Definitely about stages ... you've got some tailor made stages there in your sig - check out what edinburgher's been doing recently on his thread, when he makes an overpayment of even a tiny amount, he puts it through the mse calculator to check how much interest he's saved - the answers are astonishing, I bet it would help you too

My next bit of financial work is moving money around to get the rate of interest up a bit further.

SueP19

Ohhhhhh gimme gimme that calculator, off to look, ta xx

Yes DD resisted until I said "JUST DO IT" in a non to quiet text voice :D:D

I wish I had known years ago but hey we are here now :money::money::money:

SueP19

Here we are the Overpayment calculator

So for every £50 OP I make I save £25 in interest :eek::eek:



http://www.moneysavingexpert.com/mortgages/mortgage-overpayment-calculator

My new tools

shangaijimmy

And so the MFW addiction is further embedded into your brain!