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Get a grip !

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  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Skinty is it worth seeing if you can find another job now that will have a better work environment? I am so glad you can work from home that does help escape the horrid atmosphere some places can have. 3 years to go hurrah. 
    Aiming for a minimal spend 2022
  • Skint_yet_Again
    Skint_yet_Again Posts: 8,444 Forumite
    Part of the Furniture 1,000 Posts Hung up my suit! Mortgage-free Glee!
    edited 1 September 2021 at 10:50PM
    I don’t think I will change now SW. There is nothing with similar pay on offer at the moment but who knows what will happen in the next 4 years. 

    I phoned my energy supplier today and they are arranging to pay the £30 compensation into my bank account. Will take up to 2 weeks but I am not in a rush to spend it. 

    We also had some good news that work will provide the same specialist equipment for working in the office one day a week as we have already at home. If they buy the chair I need I can put my payrise £300 into other savings 🤗 instead of buying my own chair. 

    On the news this evening there was a report about the new petrol E10. If your car is not able to use it you have to buy E5 instead which is more expensive. I checked on gov.uk & thankfully my car is compatible with E10. 

    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • You'll be retired in 4 years and enjoying your daytime!
    Great news about the chair, the resulting savings and refund.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Im in the same boat Skinty I wont find a job that pays this well so i am going to stick at it while I can. Really good news on chair front. £300 saved. Kerrching! 
    Aiming for a minimal spend 2022
  • Just about to get up and walk the dog. Today is my late shift so I start at lunch time. 

    Plan to go to b n q later to get a new folding wash basket as ours has snapped and cannot be repaired. It says online there is one in stock £3 so hopefully it will not be a wasted journey. I will also get another small tube of super glue to stick down painted wallpaper which has curled up at the edges in some places in the hall, stairs and landing £2. 

    I will get some chicken out of the freezer to defrost & make a quick dinner later. Chicken & peppers in black bean sauce & half a pack of micro rice. 

    I’m trying to have a takeaway free month. Fancied a takeaway last night but instead I had a portion of the batch cooked chilli with half a pack of microwave Mexican rice & some sweet chilli sauce & garlic sauce drizzled over & cheese sprinkled on top 😋
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Hope you got your basket. A takeaway free month sounds brilliant. I will try...... spag bol tonight for me. 
    Aiming for a minimal spend 2022
  • We will resist together SW 😁

    Spends today b n q £13.50 including superglue £2, folding wash basket £3 and 25m of bubble wrap £8.50. I can do some more sorting/ decluttering & packing this weekend. 

    Went to tesco and spent more than planned 😬 £13.15 including 8 cans pepsi max £3 and 8 Pepsi max with lime £3. Box of Faggots 99p & Frozen pizza £1.40. Have had the pizza for tea after a rubbish afternoon at work (repeat after me .. only 4 more years to go, only 4 more years to go !! 😬)

    Ended up having pizza for tea. Looking forward to the faggots haven’t had them for years. 

    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • What's the daily amount of money needed in retirement?
    What's the average cost of your takeaway?
    How many takeaways do you avoid for one less day at work 😉
    That's your motivator to reach 4 years.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    Great idea MF. 
    Aiming for a minimal spend 2022
  • I don't want to do away with takeaways completely. I have budgeted for entertainment fund which can partly be spent on one or two if I fancy them, but I would rather spend the money on going out with friends.

    My mobile phone has stopped charging again so I'm posting on my laptop. The phone will charge if I use DS's gf's apple charger but I can't keep borrowing that.  I have ordered a usb cable from ebay £1.94 with free delivery & will see if that works. If not I will phone ee and try and get a new phone on contract. I currently pay just over £8 for sim only data, unlimited phone calls & texts. The cheapest iphone on contract is £29 but I will see if I can negotiate as that comes with more data than I need.

    Have taken the dog out this morning and bumped into a friend with her dogs so we walked and chatted. Hoping to go out for a drink later. Have hung out a load of washing to dry and had egg on toast for breakfast. I have some mince to use up so I may make a shepherds pie later. Should be enough for at least 2 meals.


    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
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