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Was Mortgage Free until 52!!!

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  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    I finally have good news to share :j

    I am about to turn my working life around.

    Have managed to reduce my working week from 37.5 hours over 5 days
    to 19 hours over 2 days (it's a start, anyway) so will see how that goes.

    Lucky enough (:think: ) to work in a sector that needs weekend cover as well
    as Mon-Fri ;)

    Need to see that bottom line on payslip before I say anything else :silenced: although
    I have been calculating and double checking every figure possible in the hope
    I have not made any huge error in my calculations :eek: or I will be in trouble :o

    Won't start until a couple months though, so again, I have to be patient :cool:

    Cannot actually believe it will all be happening, less than 8 years ago, I bought
    a house, paid for it and now reducing my working week, how life can change in
    a short space of time, one step at a time for me :beer:

    Would like to give a "Special Thanks" to Bexster my special friend :happyhear who
    encouraged me to reduce my working week and has been with me from my
    very 1st posting here on MFW. :A
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • bexster1975
    bexster1975 Posts: 1,576 Forumite
    Part of the Furniture 1,000 Posts Photogenic Bake Off Boss!
    :beer:

    Hurrah! I didn't want to message you in case there was bad/no news!!

    I am thrilled for you! Mind you, 19 hours over 2 days will be quite a feat! Just think, you will have loads of time to start getting your C*****mas sorted out! In terms of payslip, don't forget you'll pay less (? No?) tax which makes a big difference. I also have more time to search out bargains, meal plan and cook from scratch. Cheaper commuting costs, fewer work clothes needed, fewer lunches to prep for away from home. The winter will be the best time to start this, imagine getting to roll over on cold dark mornings and go back to sleep.

    You are very kind, but I've very much enjoyed the adventure. Here's to the next 8 years!!

    Bexster :)
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Thank you Bexster :beer:

    The way I look at it, is it is just 2 normal days, 1 being a long day, so should be all right,
    plus a lot less hassle :)

    Will post later as rushing to go to work :eek: that will soon stop :D.

    Hope you have a lovely holiday/break and be refreshed for the start of the new term :)
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • bexster1975
    bexster1975 Posts: 1,576 Forumite
    Part of the Furniture 1,000 Posts Photogenic Bake Off Boss!
    Thank you. Off tomorrow. If I miss anything, I'll catch up when I return. Will have my iPad for reading/listening to books so may sneak a peek.

    Have a great weekend x

    Bexster :)
  • Suffolk_lass
    Suffolk_lass Posts: 10,309 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's great news AFK - well done. I really hope it works out for you. And working more than 16 hours means your employer will still take and pay NI contributions so this change will make sure your State Pension continues to top up
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • A_Frayed_Knot
    A_Frayed_Knot Posts: 3,308 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Thank you SL - I didn't even think of that, thank goodness that worked out well :doh: :)as I did at one point suggest 14.5 hours :eek:.

    Manager said that if things don't work out, I can always move back - nice to know there is a plan B.

    It will be a complete change for me, and with enhancements not exactly halving my salary ;)

    Still haven't decided on that 25% tax free lump sum :o but know exactly what I would do
    with it, when I do eventually decide.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • ElmoR
    ElmoR Posts: 414 Forumite
    Ninth Anniversary 100 Posts Name Dropper
    Sounds like excellent news for you AFK!
    I hope the maths all work out ok and you are feeling comfortable and relaxed once everything is settled down.
    ElmoR x
  • Thank you ElmoR

    Crunched the numbers last night - for the million(th) time, and I still get the same, so all good.

    I am so looking forward to it, it is still actually sinking in, what I can do with this time off :D

    If I take my 2 days off it actually means I have 12 days off together :) another nice bonus :j
    :dance::dance::dance: (I used this as money shuffle - now it means Happy Dance) :rotfl:


    Ah, off to check just how many hours holiday I will get . . . ;)
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
  • Kittenkirst
    Kittenkirst Posts: 2,468 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Just catching up with your diary AFK and what great news.

    Super inspiring :)
    First home- Oct’16 until June’21: £170.995- Overpayments made £13,784 (25% extra!).
    New forever home- Sep’21 £309,449 @ 2.05%. Plan to clear it before 30 years!!!!!!
  • Thank you KK, can't wait !!! How's your job situation going, travel industry sounds like fun - not work ;)

    Last week was my first full week in ages (couldn't get a day off - short staffed) so a full week
    it had to be. Shuffling at one job whilst taking calls and dealing with another job.

    "There's a shift going Saturday" - I said I'm reducing my hours, :D
    They then said "there's a shift going Sunday" - I said I'm reducing my hours, :D
    They then came back - "Will you do Saturday short or long shift or anything you can do" - I said I'm
    reducing my hours. :D

    Holy **** - they now want me to work 12 days in a row :rotfl:

    I'm now off Tuesday for working Saturday :mad: and that's after doing a late night last week,
    they just know I'm a such a soft touch :o

    Reducing hours start Nov (because of staff shortages):(, but I can see since reducing my hours - I'm now working more :think:
    so that was a good move :eek: :rotfl::rotfl::rotfl: My own fault :o

    Rant over.
    Always have 00.00 at the end of your mortgage and one day it will all be 0's :dance:
    MF[STRIKE] March 2030[/STRIKE] Yes that does say 2030 :eek: Mortgage Free 21.12.18 _party_
    Now a Part Timer from 27.10.19
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