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22 Foxhole East

1453454456458459620

Comments

  • DrCarrie
    DrCarrie Posts: 937 Forumite
    Tenth Anniversary 500 Posts Debt-free and Proud! Photogenic
    f0xh0les said:

    Go away to a beach for at least a week and listen to the sea.  Even if I have to go alone. 

    That's all really impressive stuff you have laid out there F0xh0les - exciting times.

    I love going on holiday on my own!
    Signiture dated 23/09/2025
    3-month emergency fund (Cash ISA and PBonds): £5,382/ + £1,500 = £6,882 /£7,500 (Target 1)
    Stocks and shares ISA: £2,232.94
    Additional pension contributions £0 (target £450pcm)
    Overpayment on mortgage: 1% at a time (£1,518)
    Big Renno...and appliances. Front of the house, fridge freezer, dishwasher and washing machine)
  • badmemory
    badmemory Posts: 10,486 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    That is seriously good interest rates if you are already on £998 tax free with only £2 to go.  Either that or you are earning over £50k so only get £500 tax free.  Even so £498 isn't bad with the abysmal rates we have been getting until recently.
  • f0xh0les
    f0xh0les Posts: 7,832 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    I don't know why gov.uk says my tax free savings allowance has gone down from £9 to £2. I swear they think I am some dodgy character. Seems a daftly small amount to me. 
    4/10/25Three Years Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
    No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • greenbee
    greenbee Posts: 18,911 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    They'll change it again when your tax code is readjusted when a job starts/finishes. They make assumptions about earnings based on one-time data (I had a big tax bill this year - which I'd expected - because I paid my redundancy money into my pension the previous year and got a big rebate. There was no way to tell them I wouldn't be doing the same every year!).
  • mark55man
    mark55man Posts: 8,221 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Fair enough  - We did much the same when OH had the chance for 3 years for £400.  But we did think hard and its looking increasingly likely that at least one of those years will be wasted.  But better that than having to pay 4 times as much later 
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • QueenJess
    QueenJess Posts: 4,718 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    greenbee said:
    They'll change it again when your tax code is readjusted when a job starts/finishes. They make assumptions about earnings based on one-time data (I had a big tax bill this year - which I'd expected - because I paid my redundancy money into my pension the previous year and got a big rebate. There was no way to tell them I wouldn't be doing the same every year!).
    You can ring them about your tax code. I’ve certainly got them to change it before when I’ve had something that was a one off.
    2026 decluttering: 820 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️
    2026 use up challenge: 244🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️
    2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 I 🥉25 🥈50 🥇100 💎150 🏆300

  • I do find it funny when managers go "Oh so what are your plans?", as if "my plan is to not work here any more" isn't a perfectly valid reason to not take up their oh-so-generous offer.
    "You won't bloom until you're planted" - Graffiti spotted in Newcastle.

    Always try to be nice, but never fail to be kind - Doctor Who

    Total mortgage overpayments 2017 - 2024 - £8945.62!
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