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Hope is not an Effective Financial Strategy

edited 3 March 2020 at 8:18PM in Mortgage-Free Wannabe
4.1K replies 339.9K views
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Replies

  • shangaijimmyshangaijimmy Forumite
    3.7K Posts
    Part of the Furniture 1,000 Posts Name Dropper
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    Anyone interested in a free online draw, there's one linked to your date of birth. Easy click through to check from a daily email. Anyway my referral code is below:

    http://doblotto.com/r/0b9e57
    MFW: Was: £136,000.......Now: £68,202.78......
    Mortgage Neutral Deficit: £54,331.22... Mortgage Neutral Savings: £13,871.45
    MFiT-T5 #8 - £17,522 of £23,100 (75.85%)
    1% Mortgage Challenge - £411.69 of £705
  • shangaijimmyshangaijimmy Forumite
    3.7K Posts
    Part of the Furniture 1,000 Posts Name Dropper
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    Quick post to say that i've updated my goals on the 1st post for the next 8 months to reflect where i am currently at. Specifically the new ones are:
    • Aug 2016 - 1st 31 day month with less than £200 interest
    • Aug 2016 - £1 reduction in daily interest since diary began so under £6.41
    • Oct 2016 - Balance below £114,500
    • Dec 2016 - Balance below £112,000
    • Feb 2016 - Balance below £109,000

    This will take us to the end of our current 2yr fix and should we succeed a net reduction of £27k during that mortgage fix deal.
    MFW: Was: £136,000.......Now: £68,202.78......
    Mortgage Neutral Deficit: £54,331.22... Mortgage Neutral Savings: £13,871.45
    MFiT-T5 #8 - £17,522 of £23,100 (75.85%)
    1% Mortgage Challenge - £411.69 of £705
  • hiddenshadowhiddenshadow Forumite
    2.5K Posts
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    Very nice. :D
  • shangaijimmyshangaijimmy Forumite
    3.7K Posts
    Part of the Furniture 1,000 Posts Name Dropper
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    Item sold for £66, so really pleased with that. Continuing the eBay theme I listed a further 11 items! So in total we have 71 lists on the go!
    MFW: Was: £136,000.......Now: £68,202.78......
    Mortgage Neutral Deficit: £54,331.22... Mortgage Neutral Savings: £13,871.45
    MFiT-T5 #8 - £17,522 of £23,100 (75.85%)
    1% Mortgage Challenge - £411.69 of £705
  • A_Frayed_KnotA_Frayed_Knot Forumite
    3.2K Posts
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
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    Nice and Nice :TGreat short term goals, and great sale on the bay :T
    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
  • debtfreeonedaydebtfreeoneday Forumite
    4K Posts
    Part of the Furniture 1,000 Posts Name Dropper PPI Party Pooper
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    Must add fleabaying to my to-do list this weekend!
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £59,986.52
  • ourcornercottageourcornercottage Forumite
    1.5K Posts
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    That's so strange I revised mine yesterday too to keep me motivated :)

    We must be doing well :)
  • EatingTheElephantEatingTheElephant Forumite
    1.4K Posts
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    Great going with the ebaying. Goals are being consistently smashed too :T
  • shangaijimmyshangaijimmy Forumite
    3.7K Posts
    Part of the Furniture 1,000 Posts Name Dropper
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    A couple of days MSE inactivity in SJ towers. But I've kept with TT's, and yesterday sent the £7 pot to mortgage. This mirning I've sent 42p so off and running for the week.

    I gave some mortgage advice to one of Mrs SJ friends on Friday so she's obviously been spreading the gospel and is as committed as me! They were on 4.95% SVR with a59% LTV, which is a nice reminder of how things can end up if we don't keep our eye on things.

    Not much planned this week and just hitting the mid month financials slump. I have opened my M&S current account and will start the switch this week.

    As for eBay, 6 items sold, and all relisted for a variety of end points this weekend.
    MFW: Was: £136,000.......Now: £68,202.78......
    Mortgage Neutral Deficit: £54,331.22... Mortgage Neutral Savings: £13,871.45
    MFiT-T5 #8 - £17,522 of £23,100 (75.85%)
    1% Mortgage Challenge - £411.69 of £705
  • Busy_Mee1Busy_Mee1 Forumite
    1K Posts
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    Morning Jimmy, sounds like a lot of MSE activity to me even in the mid month financial slump. You have inspired me to start e Baying again and I used the scheduling function to start 10 items last night while we are away. Woke up to 2 bids this morning :j
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