From debt to freedom...

themadvix

That sounds good about the holiday fund, but wouldn’t you be better putting it somewhere where it could be earning interest for you?

Well done on fixing the mower!

Spendless

I *think* I understand the holiday fund from Job2 When you work agency you get your hourly rate but they also have to pay you holiday pay on top, this bit you just accrue. Then you put a holiday day in if you want one and they pay you from what you've accrued. In the job I've recently finished at I haven't been off since Jan so I accrued about 60 hours of holiday pay. That will now be paid to me in a lump sum as I have terminated my employment there.  The only thing is as it's paid via payroll (assuming we're talking about the same thing) I will pay tax on this amount, which is just something I'd watch for Lou, might be better taking in small chunks (and putting into a high interest account) rather than having to wait till HMRC work it out/waiting till the new tax year to claim overpayments back.

Fab you fixed the mower. 

Willowtree222

My difficulty is forgetting I have these stashes of money. I can't ever switch off from them. It would be a nice surprise one day if I could and then random checked it. X

savingholmes

Good you have some emergency savings.

Honeysucklelou2

Thank you Themadvix, Spendless, Willowtree222 and SH.

@Spendless - that’s exactly it! The money accumulates but when drawn down it is taxed.
@themadvix - I hadn’t thought of doing that! Makes sense as the money would then be earning interest. Will try and look into this before I go back to Job1.

Had a couple of lovely days just pottering in the garden and the allotment. I’ve managed to get hacking the weeds back at the allotment, enough to get a mower in and cut pathways.  I came to the conclusion that just using hand tools is hard work but the regrow inbetween visits makes it feel like nothing is achieved so using a mower there is useful. Yet more decluttering has been done at home with another 3 tip trips done. Some of it was large cardboard packaging for items that the DDs had bought, some garden waste and some actual decluttering! I feel that I have been tidying and decluttering for most of the holiday now and working at Job 2 so am feeling rather in need of some downtime to simply walk outside and be,   before getting ready to go back to Job 1.

Foodwise, I bought a book at the end of term called Budget Pinch of Nom and have been happily working through some of the recipes. The DDs and DS3 have enjoyed them which is a big positive.  DD3 is adept at taking leftovers for lunch the next day so no waste either 🙂.

Cherryfudge

I'm not sure if you were posting late or early but I hope you got some sleep!

Nothing to beat days of pottering around growing things.  

lucielle

Seconded for pottery days!  

L

Honeysucklelou2

Thank you Cherryfudge and Lucielle.  Had quite broken sleep last night as you might be able to tell from the timings of my posts!

2 tip runs today which cleared more of the ex’s junk plus bags of rubbish that DD3 had discovered whilst tidying her old room 😵. I have one of those H1ppobags to be collected too except the driver told me he wanted it in a certain place which was about 20 metres from where it was and where they have previously collected from. Spent quite a bit of time decanting rubbish before hauling the bag the 20 metres and replacing the rubbish. No gym needed here!! Hopefully that will be gone by the end of the week which is all helping towards the clearing.

Tried another Budget Pinch of Nom recipe this evening - Spicy turkey burgers. The children are enjoying the variety of dinners!!

savingholmes

Fantastic decluttering progress. Not surprised you need a rest now.

lucielle

Well done on the decluttering   

L