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  • FIRST POST
    • shangaijimmy
    • By shangaijimmy 13th Mar 15, 12:18 PM
    • 2,572Posts
    • 12,454Thanks
    shangaijimmy
    New Diarist - Attacking the Banks!
    • #1
    • 13th Mar 15, 12:18 PM
    New Diarist - Attacking the Banks! 13th Mar 15 at 12:18 PM
    Hi all,
    Thanks for popping and helping me to stay motivated. This would be the 3rd version of the opening post, but is reflective of where we are currently at. Lots has changed over the last 3 yrs, not least adding a 3rd child to our household!

    This post details my current goals, and as it seems a shame to ignore previous achievements I've summarised them below. This is a 120 payment challenge which would knock 11yrs off our initial draw down of 30yrs. I'm hoping for 100 payments so we'll see how we progress!

    Achievements - 37 payments
    • Balance - 96,102.38
    • Diary Reduction Total - 39,897.62
    • Cumulative Overpayments - 22,110.46
    • Monthly Average Overpayments - 597.58
    • Monthly Average Net Reduction - 1,078.31

    Long Term Targets
    • 5yr/60th payment - 70,000
    • 7yr/84th payment - 38,000
    • 9yr/108th payment - 7,000

    Targets for 2018
    • Jan 2019 - 98,200 - Actual 98,173.08 (26.92 ahead)
    • Feb 2018 - 97,000 (End of Yr 3 Balance 39k diary reduction) - Actual 97,132.75 (132.75 behind target)
    • Mar 2018 - 95,900 - Actual 96,102.38 (202.38 behind target)
    • Apr 2018 - 94,800
    • May 2018 - 93,700
    • June 2018 - 92,600
    • July 2018 - 91,500
    • Aug 2018 - 90,400
    • Sept 2018 - 89,300
    • Oct 2018 - 88,200
    • Nov 2018 - 87,100
    • Dec 2018 - 86,000
    Last edited by shangaijimmy; 01-04-2018 at 6:51 PM. Reason: Updated Goals
    MFW: Turning June 2036 into March 2023... 37//120 Payments Challenge, Diary Reduction 39,897.62
    Aug 2009: 163,051 // Current: 96,102.38 // Avg Daily Interest 4.32
    MFiT-T4 #8 - 64.95% of 41,000
Page 99
    • A Frayed Knot
    • By A Frayed Knot 6th Jul 17, 10:20 PM
    • 2,309 Posts
    • 10,364 Thanks
    A Frayed Knot
    Baby SJ will no doubt be full of beans now, and feeling much better. Hope so, anyway.

    http://housekeeping.wonderhowto.com/how-to/clean-wretched-vomit-smells-from-carpet-with-baking-soda-water-and-vacuum-397806/

    Hope the above link helps, I used it when I needed to clean my sofas, not of vomit though, I hasten to add.
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    Target 20 months 4/24
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • shangaijimmy
    • By shangaijimmy 7th Jul 17, 10:51 AM
    • 2,572 Posts
    • 12,454 Thanks
    shangaijimmy
    Thanks frayed knot will give it a whirl. When i say I, really i mean Mrs SJ!!

    Another small TT this morning of 6p... go me...!

    Started to think about school hols given they are 2 weeks away. In the main our organisation for school hols is very poor as we've always had fantastic support from both sets of grandparents. This year is no different but we're set on having some time ourselves. So we have sorted 5 days in the caravan from the day they finish school. We'll pick the boys up at 3.15 and head straight there. We've then sorted a week from 24th Aug till 1st Sept!

    Aiming for them to be non spendy, but we'll see what Mrs SJ's take on that plan is!
    MFW: Turning June 2036 into March 2023... 37//120 Payments Challenge, Diary Reduction 39,897.62
    Aug 2009: 163,051 // Current: 96,102.38 // Avg Daily Interest 4.32
    MFiT-T4 #8 - 64.95% of 41,000
    • try harder
    • By try harder 7th Jul 17, 12:52 PM
    • 745 Posts
    • 2,839 Thanks
    try harder
    Good to see you back
    • shangaijimmy
    • By shangaijimmy 8th Jul 17, 7:44 PM
    • 2,572 Posts
    • 12,454 Thanks
    shangaijimmy
    Thanks TH.

    Well 1 TT'd today to boost the pot for the week. Also looks like it'll be another 1 tomorrow.

    Tough evening for me though as Mrs SJ is out with her friends so i'm baby sitting all 3 (and yes i still call it baby sitting even though they are my own). In all honesty i'm useless when i've got more than 1 of them... no patience at all, it's actually quite unfair on the kids!

    Only 2 things may save me... Firstly i have an Asda pizza all to myself. Secondly baby SJ hasn't had a sleep today so i'm hoping she can done before 10pm so i can put a film on! Though she's currently wide awake and laughing at me!

    Oh and i had another NSD today so that's 6 consecutive.
    MFW: Turning June 2036 into March 2023... 37//120 Payments Challenge, Diary Reduction 39,897.62
    Aug 2009: 163,051 // Current: 96,102.38 // Avg Daily Interest 4.32
    MFiT-T4 #8 - 64.95% of 41,000
    • shangaijimmy
    • By shangaijimmy 9th Jul 17, 6:51 PM
    • 2,572 Posts
    • 12,454 Thanks
    shangaijimmy
    Well baby SJ was asleep for 8.30 so not too bad!

    Another weekend without new eBay lists but I have tackled the monster that was the garage, with a few things donated to friends, some donated to charity and some donated to the tip!

    Another NSD today, 1 TT'd and the weekly TT pot of 3.38 OP'd. 5 eBay items with bids on for a modest 5 total, but it's a few more items out the house. At the minute grandma SJ seems on a mission and is averaging 1 tshirt/Dress per week for the kids (she can't be told!).

    Both DS's bedding has been washed today so off to make beds before sorting out bath & bedtime. Then hoping for a relaxing evening to catch up on diaries!
    MFW: Turning June 2036 into March 2023... 37//120 Payments Challenge, Diary Reduction 39,897.62
    Aug 2009: 163,051 // Current: 96,102.38 // Avg Daily Interest 4.32
    MFiT-T4 #8 - 64.95% of 41,000
    • Kittenkirst
    • By Kittenkirst 9th Jul 17, 7:06 PM
    • 1,857 Posts
    • 9,988 Thanks
    Kittenkirst
    Glad you had an earliest bed time for baby SJ did you manage to watch a film?

    Your Ebaying (& a few other diaries) has spurred me on so I've just listed three items and put another two on fb selling. Thanks for the motivation!
    2018 MFW #20 - OP 895.56/ 3000 30%
    Jan: 417.42 Feb: 260.14 Mar: 218

    Emergency fund 4K/ 6k
    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • shangaijimmy
    • By shangaijimmy 9th Jul 17, 9:37 PM
    • 2,572 Posts
    • 12,454 Thanks
    shangaijimmy
    I did get a film on eventually but I have to own up to falling asleep through it!

    eBay update - 6 items sold for an 8 yield. I may make 1 on postage too.
    MFW: Turning June 2036 into March 2023... 37//120 Payments Challenge, Diary Reduction 39,897.62
    Aug 2009: 163,051 // Current: 96,102.38 // Avg Daily Interest 4.32
    MFiT-T4 #8 - 64.95% of 41,000
    • shangaijimmy
    • By shangaijimmy 10th Jul 17, 9:51 PM
    • 2,572 Posts
    • 12,454 Thanks
    shangaijimmy
    Long day on a Monday and a Monday currently sat in Baby SJ's room with her refusing to go to sleep! Delicate balance between just walking out though as we can't afford for her rage to wake up the 2 boys! She may well break me this one...! All I want to do is get a shower and get in bed...grr...!

    NSD today again (hardly surprising as I literally haven't stopped on my 11hr work day). All 6 eBay items paid for, but not had chance to post, so hoping to do that tomorrow. I did manage a 1 TT to start the weeks pot off, which is always nice.

    Oh and I've no done packed lunches yet for tomorrow. So far my evening has been, home from work at 8.20. Had tea at 8.30, put DS1 in bed and then been sat in nursery since 9pm... grrrrr...! Mrs SJ goes the gym when I get in!

    Night all.
    MFW: Turning June 2036 into March 2023... 37//120 Payments Challenge, Diary Reduction 39,897.62
    Aug 2009: 163,051 // Current: 96,102.38 // Avg Daily Interest 4.32
    MFiT-T4 #8 - 64.95% of 41,000
    • Kittenkirst
    • By Kittenkirst 11th Jul 17, 7:08 AM
    • 1,857 Posts
    • 9,988 Thanks
    Kittenkirst
    Does Mrs SJ make your tea for you when you get in

    Hope that you got the little one to settle early enough!
    2018 MFW #20 - OP 895.56/ 3000 30%
    Jan: 417.42 Feb: 260.14 Mar: 218

    Emergency fund 4K/ 6k
    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • shangaijimmy
    • By shangaijimmy 11th Jul 17, 8:21 AM
    • 2,572 Posts
    • 12,454 Thanks
    shangaijimmy
    Thankfully Mrs SJ is a fantastic cook, so tea always ready when i get in from a late one! She then puts DS2 in bed while i eat, then she heads out.

    Well baby SJ finally passed out at 9.55pm, so after an hour and lasted till 5.30am which is a bonus. I on the otherhand had a shocker. Bad hayfever kick started at about 2am, which brought on my asthma. So at 2.15 i was rooting round in the car for my inhaler (I'd heard it drop out of my pocket in the car). Hayfever tablet had no effect, my nose was like a tap! At 3 am the toilet roll had run out and typically we keep the rolls on the middle floor, so back out of bed and trooping downstairs (again)! At 3.30 i resorted to a cold flannel over my face as the only way to try and get to sleep!

    So now this morning i have the after effects of a bad hayfever do, and still with hayfever due to the rain which always makes mine worse. And a sore chest from the asthma. And 3 kids that seem to bouncing off the walls!!

    Going to feel like a long day in work today...!

    32p TT's this morning by the way.
    MFW: Turning June 2036 into March 2023... 37//120 Payments Challenge, Diary Reduction 39,897.62
    Aug 2009: 163,051 // Current: 96,102.38 // Avg Daily Interest 4.32
    MFiT-T4 #8 - 64.95% of 41,000
    • Retro.Monkey90
    • By Retro.Monkey90 11th Jul 17, 2:56 PM
    • 70 Posts
    • 226 Thanks
    Retro.Monkey90
    Hope it wasn't too excruciating today SJ! Good job for keeping up with your diary through that lot, I would have given up very early on
    Original Mortgage: 134k Sept 2044 Current Mortgage: 126k Neutral Oct 2039
    Ideal goal: TBC
    Bonus OPs made 2017: 7 total= 159.91
    Save
    Save
    • atypicalblonde
    • By atypicalblonde 11th Jul 17, 5:22 PM
    • 2,834 Posts
    • 19,834 Thanks
    atypicalblonde
    Oh I remember the bedtime battles well. I got to the point with DS when I just couldn't cope with the messing around every bedtime anymore (DH worked away during the week and I had two under 2), so DD went to grandma's for 3 nights and I just left DS to grumble himself to sleep. Worked like a charm, saved my sanity and he got much more sleep - win win.

    Hope you sort it soon - evenings are precious times x
    MFW
    Mortgage 8.2.15 - 171,064.64 Mortgage 17.4.18 - 103,870
    Aiming to be MF 1.10.2020
    • shangaijimmy
    • By shangaijimmy 11th Jul 17, 7:21 PM
    • 2,572 Posts
    • 12,454 Thanks
    shangaijimmy
    Perseverance is the key to this battle i think ATB!

    Busy day today but constantly on the go so the tired only hit me when i stopped. Picked DS1 up from cricket club at 4.30 then home. Sorted his tea out, then when Mrs SJ came home i nipped out for 30mins with the dog whilst there was a break in the rain. Then loaded DS1 in the car, picked his mate up and dropped off at Cubs. So at 6.40 when i sat down for my tea i realised i was shattered.

    I did manage to catch a few minutes of the tennis, but nowhere near as much as i'd hoped for. For a MB update i reckon i'll have made 120 or so from Wimbledon once its all finished.

    Mrs SJ is having a pre gym snooze (she's been on a course this week and this morning was up at 5am). So when she heads off to the gym i'll sort the tribe out for bed! Let the 9pm baby battle commence...
    MFW: Turning June 2036 into March 2023... 37//120 Payments Challenge, Diary Reduction 39,897.62
    Aug 2009: 163,051 // Current: 96,102.38 // Avg Daily Interest 4.32
    MFiT-T4 #8 - 64.95% of 41,000
    • Kittenkirst
    • By Kittenkirst 11th Jul 17, 7:26 PM
    • 1,857 Posts
    • 9,988 Thanks
    Kittenkirst
    Good luck!
    2018 MFW #20 - OP 895.56/ 3000 30%
    Jan: 417.42 Feb: 260.14 Mar: 218

    Emergency fund 4K/ 6k
    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • shangaijimmy
    • By shangaijimmy 11th Jul 17, 8:23 PM
    • 2,572 Posts
    • 12,454 Thanks
    shangaijimmy
    Feel quite giddy...baby SJ is fast asleep in her cot, about to do boys stories before putting an episode of Fargo on! I may even be showered and in bed for 10....
    MFW: Turning June 2036 into March 2023... 37//120 Payments Challenge, Diary Reduction 39,897.62
    Aug 2009: 163,051 // Current: 96,102.38 // Avg Daily Interest 4.32
    MFiT-T4 #8 - 64.95% of 41,000
    • shangaijimmy
    • By shangaijimmy 11th Jul 17, 10:05 PM
    • 2,572 Posts
    • 12,454 Thanks
    shangaijimmy
    Made it... Fargo watched, showered and on bed watching the news. Aim to be asleep by 10.30pm!
    MFW: Turning June 2036 into March 2023... 37//120 Payments Challenge, Diary Reduction 39,897.62
    Aug 2009: 163,051 // Current: 96,102.38 // Avg Daily Interest 4.32
    MFiT-T4 #8 - 64.95% of 41,000
    • Kittenkirst
    • By Kittenkirst 11th Jul 17, 11:50 PM
    • 1,857 Posts
    • 9,988 Thanks
    Kittenkirst
    Hope you getting in some good zzzzz's in and will be fresh for tomorrow!
    2018 MFW #20 - OP 895.56/ 3000 30%
    Jan: 417.42 Feb: 260.14 Mar: 218

    Emergency fund 4K/ 6k
    Mortgage Oct '16 170.995 LTV 90% end: Nov 2041
    Overpayments 2016 255.50 2017 2600.40
    • shangaijimmy
    • By shangaijimmy 12th Jul 17, 7:43 AM
    • 2,572 Posts
    • 12,454 Thanks
    shangaijimmy
    Slept tremendously! I'd like to say i feel brand new this morning, but alas no...hayfever is in full flow, grrr... At least the office is like a small bunker and it dries up after 30mins of being in there. Office day planned today to catch up on the last 2 days worth of stuff which has backed up from me being out and about. On my own as well, so i'll get loads done, drink loads of tea and be watching the tennis

    1 TT this morning taking the weekly pot to 2.32 so far

    On checking our current account i'm not sure whats gone wrong as we seem to have 1 weeks worth of cash left, and 2 weeks to go till payday?? So i'll have to investigate further.
    MFW: Turning June 2036 into March 2023... 37//120 Payments Challenge, Diary Reduction 39,897.62
    Aug 2009: 163,051 // Current: 96,102.38 // Avg Daily Interest 4.32
    MFiT-T4 #8 - 64.95% of 41,000
    • Jessy103
    • By Jessy103 12th Jul 17, 1:07 PM
    • 525 Posts
    • 2,237 Thanks
    Jessy103
    Glad you slept better SJ! My brother suffers terribly from hayfever so every year he has a steroid (I think its steroid!) injection in his bottom from the GP which helps him a lot! If you haven't already might be worth you asking your GP about!
    Original Mortgage Amount 2007 - 87,310.50
    Mortgage Amount Jan 2018 - 58,500.00
    Overpayment Target for 2018 - 5,000 /663.78
    Jan - 369.23 Feb - 294.55
    • shangaijimmy
    • By shangaijimmy 12th Jul 17, 9:34 PM
    • 2,572 Posts
    • 12,454 Thanks
    shangaijimmy
    Thanks Jessy. I have had the jab before but strangely my GP won't give it to me anymore, despite me working outside most of the time and in fields!

    Well I'm back sat in the nursery again for baby SJ to go to sleep. We seem to be making progress as she didn't complain at all when I put her in. In fact I'm certain she said yes when I asked if it was time for bed. Fingers crossed she'll be asleep in the next few minutes.

    Tough day catching up in work and I didn't get to watch as much tennis as I'd hoped. However I'm on track and well placed to finish next Wednesday for a week in the caravan. I did get to see what was happening bank account wise and for some reason our child benefit payment hasn't gone in yet and that is the missing money. I put every penny of it into savings for the kids so it's already been shuffled away. Need to keep and eye and make sure it arrives.

    No other financials to report so I'll sign off my diary and do some reading of others in the quiet of the nursery!
    MFW: Turning June 2036 into March 2023... 37//120 Payments Challenge, Diary Reduction 39,897.62
    Aug 2009: 163,051 // Current: 96,102.38 // Avg Daily Interest 4.32
    MFiT-T4 #8 - 64.95% of 41,000
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