Hope is not an Effective Financial Strategy

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  • shangaijimmy
    shangaijimmy Posts: 3,796
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    £1 TT'd but more importantly the guttering is not leaky anymore!
    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
  • Ali-OK
    Ali-OK Posts: 4,073
    First Anniversary Debt-free and Proud!
    Forumite
    Well done :) Good to get another job done.

    Contrary to my previous post, I dug 2/3rds of the border over. Hoping to finish it tomorrow once I stop walking like a bent over 90 year old :rotfl:
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • shangaijimmy
    shangaijimmy Posts: 3,796
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    Forumite
    Good going, but tomorrow you'll be worse. I refuse to call it gardening, it's hard labour!
    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: 4,802
    Mortgage-free Glee! Name Dropper First Anniversary First Post
    Forumite
    I do like a good days hard labour, but I need to be in the mood for it! My hard labour today involves planting one sunflower that DD has been carefully cultivating on the windowsill!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • Ali-OK
    Ali-OK Posts: 4,073
    First Anniversary Debt-free and Proud!
    Forumite
    Bizarrely I don't ache this morning, was expecting it. Just the neck problem is in one shoulder/down an arm. Nothing codeine won't solve so I can finish the job!

    I'll raise your sunflower for a hydrangea :D the Ald! bought one will get planted today.
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • CathT
    CathT Posts: 7,113
    First Anniversary Name Dropper First Post
    Forumite
    I want to get in the garden! Am waiting for sunshine though. Its my birthday coming up and I plan to spend any money I may get on plants!!
    Mar 2024 - part 1 - £31,656 part 2 - £25,019 Total - £56,675 44 months to go!
  • shangaijimmy
    shangaijimmy Posts: 3,796
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    Glad to hear your all green fingered! I sadly am not and leave that squarely to Mrs SJ and her mum! Accounts posting next...though i've had a big change of plan and not made a bonus payment to get 2 bricks coloured. Mrs SJ has a hen do which im trying to cover with everyday spends rather than dipping into holiday funds. A shame but the sensible thing to do with £50!
    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
    Name Dropper First Anniversary First Post
    Forumite
    edited 1 May 2016 at 8:20AM
    Another very good month with high OP's!
    • Highlights
    • OP's - £593.92
    • Net Reduction - £1,081.42
    • Closing Balance - £121,050.06
    • Daily Interets Reduced Now - £6.60 (6p reduction)
    • Loan Left - 90.01%
    • LTV - 54.77%

    Comparisons to 2015 will come later, few errands to run first!
    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
  • Ali-OK
    Ali-OK Posts: 4,073
    First Anniversary Debt-free and Proud!
    Forumite
    A very good month indeed...and still that 2 brick colouring to look forward to next month :)
    Back on the DFW Wagon:

    CC - £3,300 on 0% til 04/2020
    CC - £4,500 on 0% til 02/2019
    Loan - £12,063.84 as at 4/1/18
  • ourcornercottage
    ourcornercottage Posts: 1,526 Forumite
    Another very good month with high OP's!
    • Highlights
    • OP's - £593.92
    • Net Reduction - £1,081.42
    • Closing Balance - £121,050.06
    • Daily Interets Reduced Now - £6.60 (6p reduction)
    • Loan Left - 90.01%
    • LTV - 54.77%

    Comparisons to 2015 will come later, few errands to run first!

    Fantastic month, almost identical figures again :)

    So close to being under £120k you should hit that this month and I will be close behind next month :) very jealous of your daily interest, being self employed im more limited on offers. You snaffled a great deal there :)

    Also a 2 brick month coming up for you, may is going to be good in the MFW SJ household!
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