We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Drawing a line under the debt. Take two.

Options
1105106108110111119

Comments

  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I’m with you on the Easter eggs. If I bought them that far in advance they might not make it to Easter Day 🙄😋😊
    I know right?! We managed to get all we needed today, but it just annoys me so much. If I had bought them any earlier I would have just eaten them all!
    Debt free Feb 2021 🎉
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Spent money today. Finally bought an air conditioning unit for our bedroom. Wanted one for years, could never justify the cost for the two weeks a year we would need it. Last year in this new house our room was unbearable for quite a large chunk of the summer (three story house) so put some of hubby's bonus towards it. 

    I have also been buying some furniture from marketplace. £55 spent, and got two bookshelves and a unit for our bedroom. They will all need painting, but will fit in nicely with the units my mil gifted us and the one I got from mp previously. Bargains. So after cancelling my 1k worth of bedroom furniture it has cost £80 total!

    Need a new carpet and the ensuite really will need doing sooner than I was hoping. May have to look at credit to fund that, so going to wait to see how my income looks over the next couple of months. I think we can fund the actual tiles and bathroom fittings, but won't be able to cash flow the fitting. May get the plumber round to quote so I know what we are looking at.
    Debt free Feb 2021 🎉
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I paid 4 hours once for a deep clean of one room!!!
    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
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great result on the furniture.

    In the above cleaning example - I had just had an operation and was in that don't lift anything phase for months after
    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
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Great result on the furniture.

    In the above cleaning example - I had just had an operation and was in that don't lift anything phase for months after
    I love how diverse my clients are. Busy families, single folk with immaculate houses who just have no time to waste on cleaning, elderly folk who can no longer bend as well, people recovering from operations. 

    I am not fussed about the client, they will find someone else. I know I am pretty good at my job, but it takes at least four cleans to get a house up to a standard I am happy with. Which we are always up front about. Something obviously didn't work for them. I have had a couple of clients I haven't kept on because the house or what they required didn't suit me. It's a two way thing. I enjoy my job and if I take a client on and after a month I dread going I know it isn't for me. 

    We always say, anyone can clean, not everyone can clean for someone else. 
    Debt free Feb 2021 🎉
  • boxofpaws
    boxofpaws Posts: 757 Forumite
    Eighth Anniversary 500 Posts Photogenic Name Dropper
    I’m not sure anyone can clean. I am sure that some people might be very particular about something I wouldn’t think twice about and vice versa. Which is one thing. But then, I truly believe some people just don’t see the dirt, or have a methodical way of working which you must need to do it. And the patience of a saint.

    Must be a satisfying job though 
    Debt Jan 2017 = £42k
    May 2022 = £15k
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    My cleaner says she gets loads of job satisfaction from my house as she can always see a difference
    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
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Yes, it is a satisfying job. I like the range of cleans. If they were all super hard (but see a huge different) cleans I would hate it. Interspersed with ones that are easier, or in huge huge expensive houses (where the owners are overseas quite a bit) it is a nice job. I am always quick to tell anyone who thinks there house is awful that the difference once I have done my 2/3hrs is quite uplifting to me.

    Just wish I could get the same enthusiasm to do my house! 
    Debt free Feb 2021 🎉
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    boxofpaws said:
    I’m not sure anyone can clean. I am sure that some people might be very particular about something I wouldn’t think twice about and vice versa. Which is one thing. But then, I truly believe some people just don’t see the dirt, or have a methodical way of working which you must need to do it. And the patience of a saint.

    Must be a satisfying job though 
    Oh and each client totally has 'their thing'. For one person it is dust, another it is the floors, another needs all the little finishing touches so the bathroom looks like a hotel one. Often they don't even know they have this until we go in, and then they feedback what we may have missed. Which is why it is so important to allow us those first four cleans to get to grips with the house and the client's needs. 
    Debt free Feb 2021 🎉
  • Drawingaline
    Drawingaline Posts: 2,988 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    So last day at work done, off until Monday 25th 😁

    And the girl has been baking, so lots of lovely cakes around (not good for the waistline though!) I was also planing some baking this weekend so will be overflowing with cakes!

    We are off to in laws next week. The boy has been invited up to a friend's. The girl will still be here so no issue with him staying to look after the cats, more with the 5hr non direct train journey! Last summer we compromised and met his friend and their parent halfway as I wasn't happy with him getting the train. But he is a bit older now, amazing how much maturing goes on at sixth form, especially as they go to a separate college not one attached to a school.  So I am inclined to say fine, go. However I want him to stick to a one change train journey, not a four change one! Will see how much money he has tbh. It will cost £80 in train fare and I am not funding it (tough love right there!!!) He had already booked some time off work so is free to do it.

    The girl has had issues rebooking her driving test (head against wall emoji......) Told her to do it the day she failed, she didn't, and now their is nothing. So she has had to just book a random one 250 miles away so she can access the cancellation system to get one here closer to September. The system is just broken. She was super lucky last time in that I was at a friend's whose daughter was looking and she announced that the new lot had opened so text the girl and she booked there and then. But everything is booked until September when she will be off to uni. I got a bit short with her about it as the boy turns 17 in July and we cannot find them both having lessons at the same time so she is holding him up. My friend said I should just leave her to it, but when I have invested 1.5k in already I want her to at least attempt the test again. If she doesn't pass before uni she just won't bother and seeing how it has held back the hubby and his mum not being able to drive makes me want all my kids to just get it done. 

    And money is very very tight. But air conditioning unit arrived today, I am going to love seeing how that affects my new smart meter 😂
    Debt free Feb 2021 🎉
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.