Hope is not an Effective Financial Strategy

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  • ourcornercottage
    ourcornercottage Posts: 1,526 Forumite
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    debtfreeoneday wrote: »
    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!!!

    We choose a different pencil colour each month, the person doing the colouring in gets to choose. 2 sqaures in a month means 2 colour pencils in our house! I had a 2 square month last month and definitely get more excited than I should about it.
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    OCC I get very excited and Mrs SJ just rolls her eyes and calls me a weirdo or nerd!

    87p TT'd this morning and also OP'd my £15 Halifax rewards. More importantly Mrs SJ got paid today so current account looks all healthy again (till Monday anyway when our CC bill comes out).

    Back later to read other diaries, so I'll get to you debt free!
    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
  • jodles16
    jodles16 Posts: 1,477 Forumite
    Car Insurance Carver!
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    Oh I have no doubt you will reach your back ground target, how exciting! Love the brick idea, just not I have the patience to do one!haha.

    Jodles :D
    MFW2020 #115 250/3000 J-250
    1% challenge- /1525
    Save 1k in 2020- /3000

    Joining in UberFrugalMonthChallenge set up by the Frugalwoods!
  • debtfreeoneday
    debtfreeoneday Posts: 4,814 Forumite
    Mortgage-free Glee! Name Dropper First Anniversary First Post
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    ourcornercottage wrote: »
    We choose a different pencil colour each month, the person doing the colouring in gets to choose. 2 sqaures in a month means 2 colour pencils in our house! I had a 2 square month last month and definitely get more excited than I should about it.

    See SJ - you are missing out on huge excitement here. OCC gets it! Your littlies must have colouring pencils.. go on, live a little :rotfl:
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Stop ganging up on me, and I promise I'll consider it!

    £1 TT'd this morning, and am just heading out to work for a 10hr day. So no jobs done and it looks like weather for outside jobs!

    Late decision to head to caravan tomorrow until Thursday whilst baby SJ has slept through every night since last Saturday (we're asking for trouble I know!). So my TT's may be difficult due to lack of wifi and decent phone signals.

    Back tonight after hopefully a NSD.
    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
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    Enjoy a break, sounds lovely.

    I've stopped ganging up on you now promise!
    DFW (08/08) £64,346.53 Gone (02/19)
    MFW (08/08) £118k Gone (09/23)
  • trulymadlyhannah
    trulymadlyhannah Posts: 135 Forumite
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    Popping in to say Hi :hello:

    I think i am missing out on the £15 rewards from H@lifax! Do you have 2 singles and 1 joint??
    We have a similar OP, but I too would like to find an extra £1200 ideally, so I will be reading for ideas. Just wanted to say good luck
  • shangaijimmy
    shangaijimmy Posts: 3,796 Forumite
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    Thanks truly, we do indeed have 2 single and 1 joint. Transfer in £750 each month, then I use 2 tesco savings account as the direct debits to claim the £5's. TT's are fantastic and this morning I've OP'd £5.83 for the weeks TT's.

    When updating my spreadsheet I've just noticed that this month will be the first that our interest is below £200 at £199.78. Admittedly it's a 30 day month, but it did give me a little smile! It actually equates to a £27 monthly reduction in 12 months!
    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
  • EatingTheElephant
    EatingTheElephant Posts: 1,373 Forumite
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    Just caught up and seen your figures for the month. Daily interest is looking great :)
  • trulymadlyhannah
    trulymadlyhannah Posts: 135 Forumite
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    shangaijimmy wrote: »
    Thanks truly, we do indeed have 2 single and 1 joint. Transfer in £750 each month, then I use 2 tesco savings account as the direct debits to claim the £5's. TT's are fantastic and this morning I've OP'd £5.83 for the weeks TT's.

    When updating my spreadsheet I've just noticed that this month will be the first that our interest is below £200 at £199.78. Admittedly it's a 30 day month, but it did give me a little smile! It actually equates to a £27 monthly reduction in 12 months!

    We have a joint reward, ive just set up a solo reward for DH, just need to open a new reward account for me, and set up the tesco savings accounts, thank you :T
    Well done on getting the interest below £200 :T
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