Pay off mortgage and start having fun!

ourcornercottage

Oh it's Christmas once a year don't worry too much about the pounds or the £££!

I've joined MFITT4 too! Aiming to knock An ambitious £40000 off my mortgage, but secretly hoping to smash this figure. What are you aiming for?

Maybe we can remind each other to do the updates!

newgirly

Hi occ am happy to try and remind each other to update

I don't know what target to set, this years mfw challenge was 20k which we may come in just under at 19k ish I think. No idea for 3x years though, in theory we should have more coming in but the reality is we have no idea what will happen business wise. I am happy to set a high target and just get as close to it as possible. Will look at the weekend, but maybe a big target like 80k.

The albert hall was very festive last night, it has to be my favourite ever venue, seats were on the floor and pretty good, lots of carol singing and then we had to sing "on the first day if xmas" after the whole place was split into 12 sections who had to stand up and mime each bit ,we were 3 french hens :rotfl: Great night and zero spends except tubes as friend bought us cokes, another item ticked of the bucket list - must update that!

Lots going on at work, the office space is being rented out to the new guys we are doing work for soon and they have started delivering the new machines they want us to use to make thier products. Fingers crossed as it could make all the difference.

ajmoney

Some of my colleagues were playing last night in the Albert Hall.

newgirly

Oh wow aj, they were amazing :T

Dd has conditional offer of a place at the london uni she prefered She still is not 100% about apprenticeship vs uni in the field she wants to get into, but its a good to have the choice.

Out for a girls night tomorrow,meal/disco/mini bus type expensive one. All paid for upfront and drinks included I think. Busy few weeks, I need a few nights in with the tv doing nothing. Only one more day of work though whoop whoop

smallholdingsister

Well done your DD.

AlexLK

£19k/£20k for the mortgage sounds good to me, well done.

Your daughter would be better going to university, not having a degree may hold her back.

katep23

AlexLK wrote: »

Your daughter would be better going to university, not having a degree may hold her back.

I have to disagree with this as it is a bit of a bugbear of mine.

Too much emphasis is put on degrees nowadays and I don't think they hold the value they used to because so many people now study for a degree.

I don't have a degree. I have worked hard to get into my chosen profession and I am studying for a professional qualification in my own time which will be far more relevant to my ability to do my job than if I had studied psychology at university as I originally planned.

I am in a relatively senior position and my lack of degree was never once mentioned at my interview for this role.

To my mind, having been involved in recruiting, experience is more attractive than qualifications. Half the people who apply for any job will have a degree, the ones who stand out are the ones who have actually done the job.

NG, I think your daughter has been working in her chosen industry already so whichever route she goes she has already given herself the best opportunity.

Moneyfordreams

Well done to your DD, and good luck with her choices x

lulabelle1

katep23 wrote: »

I have to disagree with this as it is a bit of a bugbear of mine.

Too much emphasis is put on degrees nowadays and I don't think they hold the value they used to because so many people now study for a degree.

I don't have a degree. I have worked hard to get into my chosen profession and I am studying for a professional qualification in my own time which will be far more relevant to my ability to do my job than if I had studied psychology at university as I originally planned.

I am in a relatively senior position and my lack of degree was never once mentioned at my interview for this role.

To my mind, having been involved in recruiting, experience is more attractive than qualifications. Half the people who apply for any job will have a degree, the ones who stand out are the ones who have actually done the job.

NG, I think your daughter has been working in her chosen industry already so whichever route she goes she has already given herself the best opportunity.

I have to say that I totally agree with this. I think that unless you need a degree for a specific career, i.e. Dr, lawyer, accountant etc etc, then a degree in many cases can simply prolong the youngster starting actual work and just wrack up a tonne of debt (for both them and possibly the parents) in the meantime.

My children are only 11 and 6, but I certainly won't be pushing them down the degree path unless they're adamant that they need it for a chosen career. I'm a big supporter of apprenticeships....

newgirly

I disagree too Alex, it totally depends which sector you are going into. Hers is one in which what seems like millions study (types of media) she has spoken to contacts at some of the theatres in london, the lady who runs the oval house on the southbank among others has said she looks for work experience over qualifications, and would prefer someone who has actively volunteered.

Out of various classes at college studying media , dd is one of the only one who wants the free tickets to networking events and wants to volunteer , her peers get opportunities and don't take them up. Its the majority not minority, its all unpaid so what is the point?! With vast numbers taking degrees, it doesn't set you apart much.

When we spoke to the tutor at uni, she told us all about the great places you may be able to get work experience at or visit- dd had worked at a third of them already. I really don't know what the best route will be for her, but it has nothing to do with me, its totally her call.

She is applying for apprenticeships at many different places , it all depends what comes along I guess.