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Pay off mortgage and start having fun!
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Could your DH move into book conservation and repair work with libraries. I had a friend years ago who worked at the British Library and used to talk about freezing water damaged books to stop it getting worse.MortgageStart Nov 2012 £310,000
Oct 2022 £143,277.74
Reduction £166,722.26
OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
2022 MFW #78 £10200/£12000
MFiT-6 #28 £21,772 /£750003 -
Hi lady gnome, we used to do a lot of work for the BL actually 🙂 now they have their own departments to do the work, it’s a possibility as well as the other London museums and some specialist rare book sellers, I’ve not seem anything yet though. So many of our types of company have gone under in recent years I’ve seen more adverts for people looking for that specialist job rather than looking for staff. The government budgets were obliterated years ago to preserve or bind too, that’s when we had to diversify sadly. Will keep looking though thank you 😊
D- day today! I’m meeting a couple of friends for coffee his morning in the only coffee shop allegedly open in town. My parting words to dh this morning were slightly unrepeatable but along the lines of walk away if you want to! Don’t get me wrong I hope it doesn’t come to that but I think he needed to hear it.
MFW 67 - Finally mortgage free! 💙😁9 -
I think you’re right. I hope it doesn’t come to that, but he needs to know he has the option.
Enjoy your coffee and I hope the meeting goes ok.Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway7 -
Keeping everything crossed xMortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!8 -
South_coast said:Keeping everything crossed xI am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £208
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Well I don’t have much of an update really ☹️ Still no answer as to whether dh will be part or full time, owner doesn’t contact the manger often. Apparently the owners plan right from the start was to sack dh as he takes over many companies and that’s his general rule, manger talked him into offering Dh part time. Manager also saw the work piling up and hopefully now realises the staff are not there to do it ...dh has asked if myself and ds2 can go back for three months from august to train others up. I don’t want to do that but can’t really say no if they agree as it’s money!Today’s frugal July was not so frugal really, went for a coffee and my round was £6.20 and then walked past m&s which had no queue so ended up buying a meal deal with wine so dh can have steak and sticky toffee pudding, bags of crisps for dd to take for her birthday evening at her boyfriends along with the wine, 2x feta salads then 2 boxes of reduced Chocolates by the till one for dd and one for a thursday afternoon treat - total spend £33 odd 😱 It was a necessity today though!MFW 67 - Finally mortgage free! 💙😁6
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Hi Newgirly,
I am really sorry to hear about all these issues.I wondered if there was much profit in binding thesis for universities. It’s really expensive to bind them and just like graduation gowns I wondered if there was scope to run a more efficient national business for this. Ignore me if it’s a crazy suggestion.Take care of yourself it’s tough days
CM7 -
Hi Cornish mum thanks for popping in, it’s not a bad idea as we are one of the main suppliers to Uni’s and individual students for this already and deliver direct into them multiple times a week 😁Unfortunately there’s a short lifespan for this now as some main London unis have recently done away with the request for physical thesis which we knew would come but Covid has sped that up. I appreciate the suggestion though 🙂
Off to my aunts today to sit in the garden hopefully not in the rain, invites from her are few and far between usually 😬 It’s an hours drive each way so I need to give dh some top up petrol money as he’s not got much wriggle room to buy more. We go via the town we drove out and visited on Sunday which we liked the look of, dd and ds1 will be with us so I’m expecting a big “I’m not moving here” from ds2 😆 who is usually found at a gig in London most nights of the week.Huge shop this week to be collected £133! Due to 2x bottles of red, 2 Prosecco and some beer as it’s dds birthday takeaway night tomorrow and we have them all and partners here. Plus the £30 odd shop last week left us seriously run down. I’ve now got £154 left until August plus it’s the boys’ birthdays in two weeks as well 😱 Personal spends will help to buy cake and a takeaway if I don’t spend on anything else for two weeks. I think we should scrape by for July and then it’s no big spends until Xmas where presents are budgeted for and it’s just extras and food that’s not, that’s always a challenge I quite enjoy though 😊MFW 67 - Finally mortgage free! 💙😁6 -
Hide some of the booze you’ve just bought until the boys’ birthday? Encourage them to brew for it?Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway4 -
NG it might be worth checking with ACAS as you can’t just make someone redundant. There are processes to follow. You may have already looked into this in the past when you were running the business. If you are having to train people to do your role how is the role redundant?MortgageStart Nov 2012 £310,000
Oct 2022 £143,277.74
Reduction £166,722.26
OriginalEnd Sept 2034 / Current official end Apr 2032 (but I have a cunning plan...)
2022 MFW #78 £10200/£12000
MFiT-6 #28 £21,772 /£750003
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