The Spreadsheet Diva's MF Diary

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  • SueP19
    SueP19 Posts: 1,876 Forumite
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    edited 11 February 2016 at 11:17AM
    Just copied down and won't hit £4.50 till December :cry::cry::cry:

    To hit that target for August I need to OP £200 a month or £1,400 :eek:

    So Target

    1. OP minimum £200 per month to achieve daily interest of £4.50 by August 2016

    2. OP to gain £100 interest saved over term OP, needed £200

    3. OP to reduce mortgage to £67,000 Target date May 2016

    Have now added a yellow sticky note to middle of my pc screen :T

    I also think I need to OP every week ;);)

    NO I KNOW I NEED TO OP EVERY WEEK :rotfl::rotfl::rotfl:......even if it only £1 :p
    Debt Free Diary - Second Chances! Life in a Tourer........Tilly Tidy Founder in 2016, Tilly Tidy 2023 £17.43, NSD Jan 2023 9/10, Debt £13,491.65
  • alixia
    alixia Posts: 72 Forumite
    Hello SueP19
    Like your diary.:T
    Very jealous about your interest! Ours is £14.30:eek:
    Got the house:j/ got mortgage for 25 y:eek:
    June 2013 got married, Baby boy born 29/03/15:A
    Mortgage Nov 2012 £180,000, Jan 2016 £161,359.49:eek:
  • SueP19
    SueP19 Posts: 1,876 Forumite
    Photogenic Name Dropper First Anniversary First Post
    alixia

    I started at £14.38 way back in 2006 :eek:

    Thanks for the like :T
    Debt Free Diary - Second Chances! Life in a Tourer........Tilly Tidy Founder in 2016, Tilly Tidy 2023 £17.43, NSD Jan 2023 9/10, Debt £13,491.65
  • mrsp1987
    mrsp1987 Posts: 815 Forumite
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    It's quite scary when you realise how much capital you have to pay off to drop 20p, 30p, 50p off your daily interest
  • SueP19
    SueP19 Posts: 1,876 Forumite
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    It is terrible really, a huge rip off x
    Debt Free Diary - Second Chances! Life in a Tourer........Tilly Tidy Founder in 2016, Tilly Tidy 2023 £17.43, NSD Jan 2023 9/10, Debt £13,491.65
  • EatingTheElephant
    EatingTheElephant Posts: 1,373 Forumite
    SueP19 wrote: »
    It is terrible really, a huge rip off x

    We are all doing something about it :T

    I think it's a great idea to have lots of goals so there are more milestones to pass.
  • Moneyfordreams
    Moneyfordreams Posts: 2,442 Forumite
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    I think I need to list more,,,,, I keep forgetting what my goals are!!

    foolishly they tend to be different each time :0
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • SueP19
    SueP19 Posts: 1,876 Forumite
    Photogenic Name Dropper First Anniversary First Post
    EatingTheElephant wrote: »
    We are all doing something about it :T

    I think it's a great idea to have lots of goals so there are more milestones to pass.

    I think a mixture of short, medium and longer goals are the key. Having too many or only long term goals is very disheartening :D
    Moneyfordreams wrote: »
    I think I need to list more,,,,, I keep forgetting what my goals are!!

    foolishly they tend to be different each time :0

    Get yourself a little notebook (I luvvvv paper:rotfl:) and divide it into sections, short term, medium term and long term goals.
    I have a cheap :money: £land pink A6 book and in it are these sections.
    In my short term goals is to OP £200 to save another £100 in interest.
    In my medium goals I have Mortgage target balance of the next £2,000.
    In my long term section I have achieving a daily interest of £4.50. They are only this way because the achievable dates dictates the category :D:D
    Debt Free Diary - Second Chances! Life in a Tourer........Tilly Tidy Founder in 2016, Tilly Tidy 2023 £17.43, NSD Jan 2023 9/10, Debt £13,491.65
  • SueP19
    SueP19 Posts: 1,876 Forumite
    Photogenic Name Dropper First Anniversary First Post
    edited 12 February 2016 at 1:57PM
    Weekly summary

    Mortgage balance: £69,197.16 (target £67,000 by May 2016)
    OP's so far 2016 : £250.00
    Daily Interest charged : £4.72 (target £4.50 by August 2016)
    Interest saved by OP'ing : £121.00 (target by February 2016)


    I have decided to do a weekly summary, just to try to keep a record and to add to the motivation :D:D
    Debt Free Diary - Second Chances! Life in a Tourer........Tilly Tidy Founder in 2016, Tilly Tidy 2023 £17.43, NSD Jan 2023 9/10, Debt £13,491.65
  • Karmacat
    Karmacat Posts: 39,460 Forumite
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    Two good ideas there Sue - writing it down on paper - a graph, a list, whatever you like, and a weekly summary of those items above, thats brilliant.
    2023: the year I get to buy a car
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