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!

WelshWoofer's Staying Debt Free Mission

1151618202128

Comments

  • linz
    linz Posts: 1,975 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Hi WW,

    Just popping in. I read on here somewhere that for much cheaper heating bills time your heating to come on & off in the evenings rather than on and stay on. This way your house doesn't have chance to get cold before the heating comes on again but it saves quite a bit in costs.

    Sounds obvious but i'd not thought of it til I read it here!
    #39 - Save £12k in 2025
  • WelshWoofer
    WelshWoofer Posts: 5,076 Forumite
    Thanks Linz!
    I think I do that but not on purpose! If the heating is on for too long it gets too warm so I put it on the hour function and then a few hours later press the button again!

    I've just put it on for the second hour - it 3C here tonight (according to the weather man) so I think I can justify it!
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I'm still resisiting heating.... wearing dressing gown over clothes is such an MSE look I feel LOL
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Lemon_Tree
    Lemon_Tree Posts: 10,202 Forumite
    Part of the Furniture 10,000 Posts
    Well done WW - must be a great feeling.... I on the other hand got paid wrong this month!! Only got half what I should have done... Good job its not a complete disaster like it would have been pre-MSE. They are going to put it right at the end of the month need to survive long enough - sure I will but its irritating

    you're good that you let them get away with this, i've once had an employer muck up my pay rise thereby giving me less money and i insisted that they paid me what they had gotten wrong by bank transfer. I was desperate for the money though, but i think i would still insist i got it if it was a substantial amount.
  • Hi WW,

    My boiler has broke after all that deciding whether to turn it on! Gutted - it's freezing!

    JCG x
  • WelshWoofer
    WelshWoofer Posts: 5,076 Forumite
    Hi WW,

    My boiler has broke after all that deciding whether to turn it on! Gutted - it's freezing!

    JCG x

    Oh no! Hope you're not too cold tonight and that it doesn't cost too much to fix - hugs for you (might keep you warm too!)

    Its still cold here too - seems too cold for the time of year doesn't it?

    One more day to go at work - shattered today!
    Not planning on doing much tonight - making a nice tea of quorn meatballs and pasta, having a bath and watching telly. I will have to make a start on my performance management stuff for work but will only do half an hour or so - I've done about 2-3 hours of work every night this week and after a full 7.30- 4pm day that's enough!
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Lemon_Tree wrote: »
    you're good that you let them get away with this, i've once had an employer muck up my pay rise thereby giving me less money and i insisted that they paid me what they had gotten wrong by bank transfer. I was desperate for the money though, but i think i would still insist i got it if it was a substantial amount.

    I considered insisting on this... but I knew the girl that had made the mistake and didn't want to get her in any more trouble.... I also felt awkward as I'm on a phased return back to work..... I will get it by 31st so not too bad... not waiting a whole month like you would at some companies
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • WelshWoofer
    WelshWoofer Posts: 5,076 Forumite
    Just two words..... HALF TERM!!!!!!:j:j:j

    Am pooped! Need a bit of a rest and recharge - nothing much planned for the weekend but I'm sure I'll find plenty to do.
    Off for a glass of wine and a flop on the sofa!
  • pixiechick99
    pixiechick99 Posts: 3,731 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Just two words..... HALF TERM!!!!!!:j:j:j

    Am pooped! Need a bit of a rest and recharge - nothing much planned for the weekend but I'm sure I'll find plenty to do.
    Off for a glass of wine and a flop on the sofa!

    Hooray, I'll drink to half term too!! :beer::beer:
    I am doing exactly the same as you tonight - the sofa, with a blanket and just off to pour myself a drink of something alcoholic.
    And relax......:D
    I really need to sort out a new signature!
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    All I can say is I wish....!

    I'm working all but one day of next week - and that day I'm taking OH to the hossie for an all day appointment and I hate hospitals with a passion!!

    DD is going to MILs, DS will be at home trying not to get into too much mischief hopefully
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.8K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.