We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
We're aware that some users are currently experiencing errors on the Forum. Our tech team is working to resolve the issue. Thanks for your patience.
Learning to live my dreams not trample on them
Comments
-
You will get straight - a few more months in the grand scheme of things isn't too bad. Think back to those long hours when you hardly saw your family - it has to be worth a little longer to straighten the debts rather than wear yourself out.
You have found a new job - got renewed plans and refound yourself and family. You will get back on track
Job sounds promising.
When is dd's birthday party - bet she'll love it.
Take care and enjoy the job
MilannJanuary spends - £587.580 -
Thanks Milann - you are right - it is just a bit disappointing. I do have a balance transfer offer somewhere that I can use up to the 28th April... may be worth doing....
I am finally at my real base today so that should be interesting but am in a really long meeting. I am also going to have to stop off somewhere to get change so I can park. I am dropping DD off at school first so no time to walk....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.3K updated 17/4/260 -
I'm looking forward to the time when I can be really 'grown up' and pay my car insurance from a savings account that i've paid into monthly over the year.......that really would be a first!
Hope today was a good day.Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
There are never enough days in my salary....:rotfl::rotfl:DFW'er - Lightbulb moment : 31st July 2009 - £18,499
28th October 2019 - £13,505 - 27% paid off.
Demolishing my House of Debt.. one brick at a time!!
Thinking of spending???..YNAB says "NO!!!!"0 -
hi 365 and Chrisblue
I can relate to both of you!
I did get some good news today. Apparently I get paid 2 weeks in advance and 2 in arrears so first wages should be good.
I seem to be doing okay at work so far and everyone is still really open and friendly so hopefully every thing should be okay. Was home for 6 today including picking up DD despite leaving work at 5.25pm!
Want to try and get in earlier tomorrow if I can so can leave earlier! If I don't make it up in time - I may decide to work a slightly short day and make the time up next week!
Hope you are all doing okay.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.3K updated 17/4/260 -
Well was home just after 4.40pm! Really pleased about that! OH had got home early too! DS brought DD home saving me £7 even after their 50p each bribe!
Need to be good spending wise this weekend! Having bangers, mash and beans for tea - yum!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.3K updated 17/4/260 -
Hi savingholmes
On the mileage rate for business use, you may find your tax code goes down, mine just has - now paying extra £180.00 a year tax
... DFW'er - Lightbulb moment : 31st July 2009 - £18,499
28th October 2019 - £13,505 - 27% paid off.
Demolishing my House of Debt.. one brick at a time!!
Thinking of spending???..YNAB says "NO!!!!"0 -
hi chris - I assumed they would just tax the extra - I know it will be taxable but they can't just tax me more than they should!
Also found out today I have to join the pension scheme and won't get a refund. Probably a good thing... need some savings for retirementAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.3K updated 17/4/260 -
Glad its going ok and the hours seem to suit.
your travel shouldn't affect your tax code, its just taxable so should be deducted at source.Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0
"The days pass so fast, let's try to make each one better than the last"0 -
thanks gill - just need to cut down my fritter spend, take my lunches and things like that....
I need to work out what I do want for my birthday and make sure it isn't going to blow the budget totally! Luckily I will have been paid a few days before but as I say finances are due to be tight until around July!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £2.5K Net savings after CCs 14/4/26 (but owed £1.1K) so £3.6K
3) Mortgage neutral by 06/30 (AVC £38.5K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 44.4K of £127.5K target 34.8% 17/4/26 (If took bigger lump sum = 66.4K or 52%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.3K updated 17/4/260
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.5K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.4K Work, Benefits & Business
- 604.2K Mortgages, Homes & Bills
- 178.5K Life & Family
- 261.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards