The Spreadsheet Diva's MF Diary

Kittenkirst

Good work on the craft item going!!:-)

SueP19

Thanks I was quite pleased, always nice to sell something unexpected :D

Today has been filled with rebuilding works website.

So a little bit of :mad: followed by a bit more of this :T:T

Rounded of with lots of :wall::wall::wall::wall:

and now all I want to do is :EasterBun

Why do people think it's so easy WORDPRESS :eek::eek:

A_Frayed_Knot

:j get listing with the rest of your craft items :j

SueP19

I would love to Frayed but it takes about 20 hours for each one and I am busy making for a big show and I currently have two items :eek::eek::eek::eek::eek:

gallygirl

SueP19 wrote: »

OK have been pondering the motivation issue this morning as it can be hard if you have to go a few weeks without OP'ing

So here are my options

1. I focus on the amount of interest I have saved, aiming for £100 targets at a time

2. I focus on the amount of overpayments I have made, aiming £500 at a time

3. I focus on my remaining mortgage balance, aiming for the next £500 lower at a time

No 2 is covered by the challenges and I feel I need something extra to keep me going

No 3 would be an estimate as I don't have online access and statement is only once a year

No 1 seems the best option (only because I want to use the OP calculator ).......................or do you have any better ideas ???

shangaijimmy wrote: »

When does your current mortgage deal end? You could also think about LTV brackets. Or to go with interest saved whilst you're using the OP calculator you could monitor the months knocked off the term. I kilowatt that for every £450 OP's it knocks 1 month off the term for example.

Personally I always found having multiple targets helpful - another milestone was always looming somewhere :T. As for the length of time - well, that time will pass anyway, so best have nothing to show for it at the end (as in a zero mortgage balance ).

SueP19

I think I am with you gallygirl, one target can seem long way off lolol

apple_muncher

SueP19 wrote: »

I would love to Frayed but it takes about 20 hours for each one and I am busy making for a big show and I currently have two items :eek::eek::eek::eek::eek:

Want any bunnies???:D

Awesome website :T

ps: still not got on to laptop to send pics x

SueP19

I noticed lolol apple. Send them pics xx

Thanks on the website I built it. It's the 3rd one I have built if you don't count works which after 2 days went caput so if anyone knows of any issues with WordPress. ......??

mrsp1987

SueP19 wrote: »

I think I am with you gallygirl, one target can seem long way off lolol

Totally agree, multiple targets is the way to go, I reckon.

You could also look at your daily interest amount and aim for lower thresholds on that. Super Saving Squirrel put the formula up on his thread. It's something like
Outstanding balance x (interest rate /365) / 100 = daily interest rate

But I may have got something mixed up there!!
My daily interest charge is £8.68 (again, I think).

This s why I shouldn't post in bed :rotfl:

SueP19

My daily interest is about £4.70 not as bad as some

Have now added that to my mortgage spreadsheet ta mrsp