Hope is not an Effective Financial Strategy

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  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Well it was dark when I got home last night, then by the time I'd had my tea it was raining, so the back still needs brushing. I considered doing it this morning before work, but sadly it was still raining, so my Sunday job drags on.

    £1 TT'd this morning and I was also hit with the realisation that my OP's from current account interest will get a nice boost from this month onwards with the new tax on savings allowances. That gave me a nice little smile as I drove into work and potentially gets me another £50-60 a year in OP's! All these little bits keep adding up.

    I also forgot to mention I did an emergency refereeing job last Sunday morning which got me £25. I'll use that to pay for my first golf society outing next week.

    I also did a quick forecast for April, and I have a tiny outside chance of colouring in 2 bricks this month and then being 1 further month off the £110k's! Either way I should hit the £110k's with May's accounts!
    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 £650
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
    Whoop to double brick colouring.... I long for those days..
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    edited 6 April 2016 at 8:35AM
    Not done it yet debt free, it's just a mini background goal for the month! Finally got the back brushed and tidied last night but a bigger job is now on the horizon as the patio is in desperate need of the cementing redoing! And I still haven't fixed our leaky gutter, so if it's dry on Thursday I'll be cleaning gutters out and sealing it.

    Nice surprise this morning with the arrival of £25.50 off Quidco for house insurance las November! So that's 4 days worth of interest for the month taken care of!

    Oh, TT'd 70p this morning too.
    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 £650
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
    I get grumpy if a day goes by without getting cashback, selling on fleabay, making money of some kind or reaching survey payouts.. makes me happy to do something little every day to kick this debt into touch! Well done on getting the patio done!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Just in case anyone dosn't, i always check the free postcode lottery. So if you fancy it here's my referral code :D
    http://freepostcodelottery.com/?ref=250581
    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 £650
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Long work day today and importantly a NSD! Mrs SJ gets paid on Friday which is very much needed, then I can have a good look at where to find the extra £70 needed to colour 2 bricks in April. Next money thing on horizon is both car insurance in June. We're currently on a multi car policy and I'm keen to do the same again.
    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 £650
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
    More importantly what colour are your doing the bricks? I feel a special colour choice coming on to mark the mark it was potentially two blocks in one month!!!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Just us a big standard black pen to be honest. But on my electronic copy I have a different colour for each year of brick colouring. 2016 is green and hoping for 13 of them!

    £1 TT'd this morning by the way!
    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 £650
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
    shangaijimmy wrote: »
    Just us a big standard black pen to be honest. But on my electronic copy I have a different colour for each year of brick colouring. 2016 is green and hoping for 13 of them!

    £1 TT'd this morning by the way!

    Disappointed in your lack of adventure SJ!! You should go red to mark the occasion!

    Aside from this, I've asked a question about artificial grass in my diary and would realllllllly welcome your thoughts if you have a mo!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Best thing I've bought!!
    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 £650
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