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22 Foxhole East
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That's all really impressive stuff you have laid out there F0xh0les - exciting times.f0xh0les said:Go away to a beach for at least a week and listen to the sea. Even if I have to go alone.
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)3 -
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.
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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 !!!******3 -
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!).4
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Well the rotten council have put up all the car parking charges from yesterday. There were no notices last week to say bank hols were suddenly not going to be £1 to park, so I have just paid £10 to go to work! Terrible!! Oh well, back on the bus tomorrow for me! £4.60 bus fare beats £10 or £12 parking fees. I had noticed they had messed with on-street parking rates.@mark55man - it is a smidge over £200 to fill in the gap for that year, but it is £400 odd if I do it after April because of the price rejig, so just going to do it, and then it is done, iyswim. I no longer get my stamp paid since DS4 went off to secondary school, so I have done well, I am happy to pay it.Was asked again at work if I was interested in the 16 hour job - I said no, they asked if I had anything lined up to go into, I told them I had always had something else lined up to go into in February. They were just filling a hole in my calendar. Oh , they said (sad face). I have not told them that I so far only have 4 days work in Feb, but straight after is half term, during which DH is off to foreign parts for 5 days being clever, and I need to be home to do the little things, like feed people and make sure DH is okay. He is not enjoying being a working-from-home-dad while the kids do s0d all and I am at work. He needs to be pampered for a little bit. It is all a balancing act.4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******5 -
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 laterI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine4 -
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.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!).2025 decluttering: 5,544 🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅🌟🌟2025 use up challenge: 513🥉🥈🥇💎🏆 👑Big kitchen declutter challenge 143/1502025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5002 -
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!4 -
Me too, or their shock that you are leaving for a better role for you. “Are you sure you really want to go, have you thought this through?” Err yes thanks, ta ta5
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They are chronically understaffed, pay the minimum wage, and talk about how the kids who work there are thick - most are uni students - studying amongst other things criminology, education, accountancy, and architecture!! - the snobbery of managers!Anyway, I am going to revel in my last 26 days working there, 6 of which will be days off.I do like to be able to see the end is in sight.
4/10/25Three Years Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******10
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