Hope is not an Effective Financial Strategy

edited 3 March 2020 at 7:18PM in Mortgage-Free Wannabe
4.2K replies 348.9K views


  • debtfreeonedaydebtfreeoneday Forumite
    4.2K Posts
    Part of the Furniture 1,000 Posts Name Dropper PPI Party Pooper
    All those little TTs will add up SJ!  Exciting news about the puppy. 
    DFW (08/08) £64,346.53 Gone for good (02/19)
    MFW (01/15) £53,802.47
  • Jessy103Jessy103 Forumite
    1.4K Posts
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Good luck with the new puppy! 😀
    Mortgage Balance as of 31/12/20 £61,000
    Mortgage Balance as of 31/12/19 £69,000
    Starting Mortgage Balance (June 2019) £72,000
    2021 Overpayment Challenge: Jan £739.00, Feb £159.38, March £670.00, April £800, May £44.46, June £2074.71, July £577.23, August £636.10, September £263.61, October £104.55
  • shangaijimmyshangaijimmy Forumite
    3.8K Posts
    Part of the Furniture 1,000 Posts Name Dropper
    £1 TT added to the mortgage this morning. All the little extras help in the lead up to month end accounts.
    MFW: Was: £136,000.......Now: £66,357.66......
    Mortgage Neutral Deficit: £49,928.91... Mortgage Neutral Savings: £16,428.75
    MFiT-T5 #8 - £20,682 of £23,100 (89.53%)
    1% Mortgage Challenge - £645.54 of £705
  • KarmacatKarmacat Forumite
    36.7K Posts
    Part of the Furniture 10,000 Posts Name Dropper
    Mrs SJ told the little ones about the puppy yesterday, and they have been relentless ever since! I knew she couldn't hold on for another 2 . The kids were very excited which was lovely but its going to be a long wait for them and lots of pain in my ears.
    Sadly, this is a very good way to put it  :#
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    Not counting this! 2020
    Garden fencing completed, woohoo 2021.......... Bunny hugger
    October 2021: aiming for £5,000 new money for premium bonds or a car.
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