Hope is not an Effective Financial Strategy

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  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Suffolk i feel your pain! The bad days are shocking, so 9 months of it must be agonising!

    Quick report to say that i managed to get 10 items listed this morning when Mrs SJ was out her bike and the kids were pottering in the garden.
    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
    Matched Betting has sunk to new levels...I've got 2 bets on eurovision! Thankfully i don't have to watch it!
    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
  • AlexLK
    AlexLK Posts: 6,125 Forumite
    Debt-free and Proud!
    shangaijimmy wrote: »
    Be careful you don't catch Mrs K taking pictures of you...;)

    :rotfl:

    Tomorrow is the day.
    2018 totals:
    Savings £11,200
    Mortgage Overpayments £5,500
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    AlexLK wrote: »
    :rotfl:

    Tomorrow is the day.

    Keep a low profile!
    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
    Well the sun is out, the first pile of washing is on the line and the second in the washing machine. First brew is half drunk and the Sunday morning TT pot shuffle has been done. £1 TT for today taking the pot to £6.53 which was promptly dispatched to the mortgage.

    Then, for those avid readers that remember our food shopping goal... Well we've done more than fine with shopping and just need milk top up (as expected with 5 of us that seem to drink gallons of it), and potentially a loaf of bread in a few days. So as promised i have OP'd £25 of the cash saved, and will send £25 to S&S ISA. So very pleased and Mrs SJ is convinced she can save more...bring it on i say!

    Work for a few hours 10-1, and then planning on doing nothing! But before hand i'm gonna get 10 items listed!
    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
  • Suffolk_lass
    Suffolk_lass Posts: 9,332 Forumite
    First Anniversary Name Dropper Photogenic First Post
    Yes, yes, yes, all this money saving is the core business but more to the point, how did you do with the matched betting? We did watch (traditional) and I actually caught myself thinking, "that was rather actually OK" before the Hungarian Viking-version of Take That and some of the usual fare was served up
    Save £12k in 2024 - #2 target is £5000 only £798.34 so far
    OS Grocery Challenge 2024 25.04% spent or £754.10/£3,000 annual
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My Debt Free Diary Get a grip Woman
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    How on earth is it the 14th May already?? The month is vanishing which is all good as it means im half way to accounts posting i suppose!

    Well i was true to my word; got 10 items listed before work and then did pretty much nothing for the rest of the day. As soon as i 'd listed 10 items Mrs SJ came downstairs with another dozen items of DS2 that he's outgrown. Yet further proof that the bag is bottomless. 4 items sold last night taking our weekend total to 12. I'll get them packaged this morning and nip to the post office for a walk at lunchtime. Opened the weeks TT activity with a lovely whole £1 this morning.

    Long day in work today, but not overly busy for a couple of weeks (for a change).

    Have a great Monday everyone.
    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
    Ebay items dispatched yesterday and i sorted the shift underspends on food to S&S Isa. I actually doubled this to £51 as i had some monies that i'd withdrawn from funding circle. Made a nice 73p TT this morning as well.

    Things progressing along nicely enough. I'm 10 days out from payday with £105 in current account. There are no dd's to come out, but i petrol for both and out food shop will wipe this out plus about £20 more. Not sure on the exact date by child benefit is due before i get paid so that will rescue us (hopefully).
    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
  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Name Dropper First Post First Anniversary
    It's really striking how much more secure our finances are when we do mse stuff - how much clearer our houses are too! You're doing so well, Jimmy!

    The only thing I get slightly puzzled about is the shopping less - I mean, doing 3 main shops not 4 per month, thats got to save time, because a family will always need top up shops anyway ... I don't quite get how it saves money, though. I guess you're basically running down your stores? Which has its good points too, of course.

    Your ebaying is magnificent, by the way!
    2023: the year I get to buy a car
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    edited 16 May 2018 at 7:37AM
    Karam the shopping less quandry. What we have done is tried to max out weeks 1-3 for shopping budget and buy a few extra things for week 4. We've kept in budget for each week 1-3, and ended up with enough food for week 4 without having to go shopping. Not sure exactly why it has worked, but it has! We've also stopped buying beer for the house. I very rarely drink in the house, Mrs SJ avoids wine as its no good for her, and is now avoiding beer at home to reduce calorie intake, and help her to get out on her bike early. So there is some savings there. Not sure how long it will last!

    20p TT this morning and a realisation that my MOT actually runs out today and not in June as first thought! Thankfully i have the money set aside, and now just need to hope they can fit me in tomorrow.
    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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