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The impossible dream
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Yes, another 6 months. I feel after a year of working from home, the problem employers will have is trying to get staff to come back to the office. After a year, working from home really will be the new normal, so why do you need me there? I function perfectly well from home. Everything gets done. You can see me and talk to me when you need to. Why come to the office?
Oh well, I managed to get my 20p's paid in, so £100 more off the mortgage. All good.
Payday, so did the money shuffle. Electric bill has increased. I assume that its due to being at home all day. I assume the gas bill will increase significantly over winter as well as I refuse to be cold inside, and I am going to be inside a lot over the next 6 months.
I don't anticipate being able to make any overpayments on the mortgage next month because 1. I don't have any money stashed away to pull out of a hat or a tin. And 2. I have to pay for the car insurance, which is not cheap.
Anyway, spent some money in preparation for the cleaner arriving on Saturday. I really hope she turns up.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park5 -
And... she has just sent a message saying she isn't coming. What a surprise! Knew it would happen. Oh well, on the hunt for another cleaner!What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park2 -
How annoying honestly put looking for recommendation for a cleaner on your local Facebook selling you need to be a member. Also NextDoor is how I got mine again you need to join. I don't think many see notes in newsagents windows and yes agencies are crap.Take care hope you have a nice weekendSave £12k in 25 No 49
PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K
Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest1 -
Sorry about your cleaner no show. Sympathies on car insurance bill mine is due too and DH's was last weekAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Thanks Savings. The insurance looks like it will be under £400 so I cannot complain. Once that is paid for, that's the car covered for another year. Still need to consider the bike which has been sorned for nearly 7 months now. If I don't pay it some attention, it will seize into a solid block of rust, but coming into winter is not the time. May just leave it until spring, why disturb it now?
Wasted £3 on ebay buying a diary, but managed to buy 2020! Oh well, could have been worse! Have to try again. 2 steps forward and 1 step back.
On a positive note, managed to pay another £11 from Prolific surveys into the account to pay off the laptop. Definitely, the highest payer is Prolific, with One Poll coming in a very slow second. The £30 from One Poll still has not arrived in my bank account so I can pay this across, but it did say it could take up to a month. No idea why, but no worries. Currently at £5.50 towards my next £25 pay-out. All going in the right direction. I genuinely believe I will have paid off the laptop by the end of October at this rate, or the end of November at the latest.
Still no joy with finding a cleaner. Maybe this is the Cosmos trying to tell me to pull my finger out and do it myself? After all, I would save all that money which could go towards the car payment, or the mortgage etc...
Thanks for the recommendations TG. Tried Next Door and it suggested I start a group as there is no existing group within my neighbourhood! Will have to give some thought to the Facebook login as I am not on Facebook/social media. And posters in shops are not allowed as they are restricting touch points for covid, so no local signs in shops at the moment. Yes, the more I think about this, the more I should just learn to enjoy cleaning.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park2 -
Sounds frustrating. My cleaner is coming once a fortnight but still a big helpAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
That's all I am looking for. Once a fortnight or once a month, doubling up on hours. It would be financially better for them to do once a month because they would save in travel costs as well. But clearly, I am in too remote a location I assume. That, or I am paying too low, but I don't think so. Not a worry, just another example of not being able to find people to do work. Bit like trying to employ people at work - there is a skills shortage there as well - the numbers you get applying are low, with a lot of applicants having no experience. I am certain that many at work only put in an application because the JC+ says they have to apply for a certain number of jobs per week. Anyway, doesn't help me with my dilemma. It makes you realise, without stereotyping badly - why the older generation and vulnerable individuals sometimes get taken for a ride and exploited. Because they may be desperate to get some work done and the only people willing to help are those who will charge an arm and a leg, and in their desperation, they say yes. After all, someone is better than no-one when in need...What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park1 -
Sad but true. Kitchen quote was classic example £850 Vs £510 and the latter are doing more. Even are patio quote first quote was over by up to £1k.
On the cleaner pre c19 a lot avoided fortnightly jobs as cleaner would forget to bgo or go to the wrong one. My cleaner is trying to go to one house per day to minimise risks for all.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251 -
Yesterday was another NSD, which is good. Paid my car insurance, renewed my search and the quote went down a bit, all good so now paid for the coming year.What I do not give, you must never take by force.
Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young. Linkin Park1 -
Hi Tahlullah - I need to sort my car insurance too - I keep putting it off. DH saved hundreds of £s by switching compared to the original quote.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/251
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