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Viking's Diary

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  • shangaijimmy
    shangaijimmy Posts: 3,803 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Little and often is my approach as well. Really helps with motivation when things feels really slow. I'm fully in the habit of doing an account round up every morning whilst I boil the kettle and if its still 'tidy' from the day before I reward myself by OP'd a £1! I'm at the stage of disappointment when the tidy is less than 10p, so end up doing £1.09 instead!
    MFW: Was: £136,000.......Now: £47,736.58......
  • Little and often is my approach as well. Really helps with motivation when things feels really slow. I'm fully in the habit of doing an account round up every morning whilst I boil the kettle and if its still 'tidy' from the day before I reward myself by OP'd a £1! I'm at the stage of disappointment when the tidy is less than 10p, so end up doing £1.09 instead!
     :D  :D

    My next target is to see if I can persuade Music Magpie to take any of the CDs in the loft... I mean, they're up there because we never listen to them! 
  • caeler
    caeler Posts: 2,637 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Good luck @Viking_mfw I also have loads of CDs taking up space but I don’t have the energy to input them all for a pittance! 
  • caeler said:
    Good luck @Viking_mfw I also have loads of CDs taking up space but I don’t have the energy to input them all for a pittance! 
    It's done! I'm on a decluttering drive at the moment and since I had to out the xmas decs up in the attic I thought I might as well get the box down. The app really helps with scanning them in. Only a tenner in total but they will be out of the house by the end of the week and it's not as though they would ever have come out of the loft otherwise. A handful remain that they won't take so need to work out what to do with them. I did keep the Now Christmas cd :D 
  • savingholmes
    savingholmes Posts: 28,937 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done. £10 coming in. All helps
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • £1 arrived from Str33tb33s and flipped to the OPs. My energy refund has also been confirmed but that will be another 3 to 5 working days before the money arrives. 
  • Major dilemma raising its head in Vikingland at the moment. Two jobs have come up that are a sidestep out of my current career, but strongly associated with it. I wouldn't be an academic anymore, but I would be academic-adjacent. One of these jobs would mean a 20k payrise and moving cities (sadly to an equally HCOL, if not higher in house prices); the other would be a 10k payrise but crucially still in the city where we live. My husband grew up here and has lots of friends and family here. I grew up in the other city, but do not have many friends still in the area. However, the workplace in the other city has some other advantages in terms of their agenda matching more closely with mine. They are the same job, ish. I would be truly excellent at that job (oops, modesty) and I would enjoy it. But there are aspects of my current job that I would miss, and it would be hard if not impossible (certainly without moving) to return to that career if I left. 
  • savingholmes
    savingholmes Posts: 28,937 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Write a pros and cons list. Apply for both jobs. See how you feel if and when you get an interview. Even if offered the role(s) - still your choice whether or not to take it. I would be more tempted by the local role as there is a lower hassle factor... as you won't need to move...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • FtbDreaming
    FtbDreaming Posts: 1,127 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Ooh well done on having the prospects there. As SH said I’d write pros and cons lists of them both and also discuss with the family what they want and if it would mean DH can keep his job etc. 

    Mortgage started August 2020 £69,700
    Mortgage ends Aug 2050 MFW: Aug 2027 
    Current Balance: £58,678
    MFW2020 #156 £723.13
    MFW2021 #26 £1184.71
    MFW2022 #11 £197.87
    MFW2023 £785
    MFW 2024 £528.15

    Determined to make it! 
  • South_coast
    South_coast Posts: 5,832 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Agreed, apply for both and make a decision once you've got all the info. Good luck!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
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