Hope is not an Effective Financial Strategy

19394969899434

Comments

  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Cookie and Ali, 1000 posts! When you think about it that's rather a lot of drivel! New badge to go with it too, wonder how long till I hit 2000...???
    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
  • Hi SJ,

    You have just inspired me to OP £80. I got paid a little early from my extra job (complete surprise) and I've been wondering what to OP. That £80 brings me down to the next hundred and is a weeks worth of interest :D

    thank you :)
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • Good job on the OP and new shiny badge SJ!
    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
    Money - glad to be of service! I always like thinking of OP's in terms of daily/weekly/monthly/yearly interest. It helps massively.
    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
  • Quiet day watching the ticking time bomb that is Mrs SJ for any signs! Quiet day also means NSD for the family which I'm always happy about (DS1 spent his Christmas money on a new skylander but that doesn't count).

    Had a disaster before my run as my MP3 player hadn't charged then my phone music player refused to work. So spent the first mile asking myself how I was gonna blank out my mind with no music wondering if my breathing always sounded like that so early! I eventually found some free head space but it was a tough 43mins!
    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 Forumite
    First Anniversary Debt-free and Proud!
    Good stamina with no music. I'd have turned round and gone home I think!

    Quiet home day = calm before the storm? :)
    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
  • Some rumblings tonight so I legged it for a shower and had a bowl of porridge just in case. Eat forward, sleep forward...!
    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
  • OOOhhh - any news?
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • gallygirl
    gallygirl Posts: 17,228 Forumite
    Name Dropper First Anniversary First Post Mortgage-free Glee!
    Quiet day watching the ticking time bomb that is Mrs SJ for any signs!
    Some rumblings tonight so I legged it for a shower and had a bowl of porridge just in case. Eat forward, sleep forward...!
    Can't decide if this is Mrs SJ going into labour or just wanting another McFlurry :D. Hoping for a safe delivery whichever option it is :).
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    :) Mortgage Balance = £0 :)
    "Do what others won't early in life so you can do what others can't later in life"
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Unfortunately the wait goes on...!

    90p TT'd this morning, the pot is going well. Payday on Friday which can't come soon enough!
    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
Meet your Ambassadors

Categories

  • All Categories
  • 343.1K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.2K Work, Benefits & Business
  • 607.9K Mortgages, Homes & Bills
  • 173K Life & Family
  • 247.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards