Hope is not an Effective Financial Strategy

Options
1…261262264266267…434

Comments

  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Options
    £9.08 of £co cashback winging its way to current account as we speak. That will be promptly dispatched to mortgage. Every little helps!
    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
    Options
    93p TT this morning and then an afternoon in the garden and at the park with the tribe of children! Makes a lovely change to be hot, rather than dithering and soaked!

    Quite excited to see my S&S Isa is fully up an running online and the transferred amount has been invested. Only £436 to start with but interested to see how it all goes. I'll be adding £30 a month to it for now and then we'll see how things work out.

    Countdown now starts to accounts posting, but before that i have the little matter of MFiT challenge. My last OP for the next chart is tomorrow, so i'll get that form submitted in the morning.

    Following some talk on another thread about food budgets and reducing number of shops Mrs SJ has come up with a plan to only have 3 shops per month instead of 4, but for the same weekly budgeted amount. I suspect there's an ulterior motive, but happy for now with her plans.
    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
  • try_harder
    try_harder Posts: 1,527 Forumite
    First Anniversary First Post Combo Breaker
    Options
    That sounds a great idea regarding the shopping i will look forward to seeing how Mrs SJ gets on ,she seems to be picking up some of your MSE ways.
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Options
    Tryharder - she is good to be fair, 90% of the time...like us all probably!

    Well a nice £1 TT this morning taking the weekly pot to £5.03. Promptly OP'd the pot, and then headed over to submit my MFiT chart number 9 update.

    I was just wondering if anyone out there fancies swapping Sunday outdoor job duties today?? I've got fence painting if anyone has sitting in the sun drinking tea and snoozing, and they fancy a swap deal?
    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
  • try_harder
    try_harder Posts: 1,527 Forumite
    First Anniversary First Post Combo Breaker
    Options
    The answer to that one is NO. Have a good day though
  • SuperSecretSquirrel
    SuperSecretSquirrel Posts: 1,045 Forumite
    First Post First Anniversary Name Dropper Photogenic
    Options
    shangaijimmy wrote: »
    I was just wondering if anyone out there fancies swapping Sunday outdoor job duties today?? I've got fence painting if anyone has sitting in the sun drinking tea and snoozing, and they fancy a swap deal?

    Nice try Jimmy :p
  • greent
    greent Posts: 10,671 Forumite
    First Post Name Dropper First Anniversary Photogenic
    Options
    We've got digging out some borders, planting some bushes (and a tree) and a little bit of tree pruning - all of which is still preferable to your fence painting! :D (We have a whole garden's worth - front and back - to do of that too - but we're ignoring it! :D:D)
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NIL
    Net sales 2024: £20
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Options
    ... and i thought this was a supportive place...

    To those kind souls that did a rain dance on my behalf, thank you. Painting has been postponed!
    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
  • atypicalblonde
    atypicalblonde Posts: 3,057 Forumite
    Options
    Who did you open your S&S ISA with SJ?
    MFW :)
    [STRIKE]Mortgage 8.2.15 - [/STRIKE][STRIKE]£171,064.64[/STRIKE] Mortgage 1.5.2018 - £99,980.45
    Aiming to be MF 1.10.2020
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
    Name Dropper First Anniversary First Post
    Options
    After reading a fair bit of what seemed like gobbledy-gook, and then reading the S&S ISA guide on MSE i opted for Evestor (only 12 months into the market). My plan is to dip my toe in for 12 months, see how the things actually work, and then consider different providers. They seem to be one of the cheapest for costs for the start ups. In the first few years of this investing thing this company may be enough for my small amounts anyway.

    What are you thinking ATB?
    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
  • 343.2K Banking & Borrowing
  • 250.1K Reduce Debt & Boost Income
  • 449.7K Spending & Discounts
  • 235.3K Work, Benefits & Business
  • 608.1K Mortgages, Homes & Bills
  • 173.1K Life & Family
  • 247.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards