Booking myself in for an independent future

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  • Have signed up for a new bank account with HSBC for the £150 switch money.

    I know I should make it an OP but instead am going to buy plane tickets to go on a European city break with current beau.

    Am in the middle of applying for another new job this evening, that would potentially be a pay cut BUT my commute costs would half as would my travel time!
    Mortgage £75,300 (December 2016) Mortgage Free Date December 2051

    Mortgage £17,350 (December 2023) Mortgage Free Date 1st March 2024
  • beanielou
    beanielou Posts: 89,277
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    Have signed up for a new bank account with HSBC for the £150 switch money.

    I know I should make it an OP but instead am going to buy plane tickets to go on a European city break with current beau.

    Am in the middle of applying for another new job this evening, that would potentially be a pay cut BUT my commute costs would half as would my travel time!


    Which would be great :)
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    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
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  • michelle09
    michelle09 Posts: 912
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    Hopefully it's not as terrifying as the connecting walls in Only Connect!

    Sometimes it's not all about money, it's about balance of life and a shorter commute is invaluable.
  • bexster1975
    bexster1975 Posts: 1,576
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    Hello and welcome

    Having read the thread I won't now comment on spending about 15% of your take home pay on commuting :eek: Not to mention 4 more hours a day travelling :eek::eek:

    I bet you could half your grocery spends if you planned your meals and cooked a bit from scratch. Fingers crossed for the job hunt. I'm sure it's an appalling suggestion, but would you consider leaving London? Would your job area enable it? Just a thought.

    Hope you enjoy the European city break with current OH

    Bexster :)
  • Hello and welcome

    Fingers crossed for the job hunt. I'm sure it's an appalling suggestion, but would you consider leaving London? Would your job area enable it? Just a thought.

    Bexster :)

    Hi Bex,

    I am not sure I would ever leave London, it is where my friends and family are, and I am very much a city girl. Plus job wise there is only one of my role per university and there are lots of universities in London
    Mortgage £75,300 (December 2016) Mortgage Free Date December 2051

    Mortgage £17,350 (December 2023) Mortgage Free Date 1st March 2024
  • newgirly
    newgirly Posts: 8,859
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    Morning, cutting back a bit on grocery spends in definatly possible however cutting back on clothing would probably be easier :D

    My dh (also visits the hol regualrly!) and had lunch with the queen and DOE a couple of years ago, he wore his primark suit, much to the disgust of my parents :rotfl::rotfl:

    Sorry I digress, do you shop in tk Max's at all as they have some massive discounts if you have time to spend wading through everything. I picked up a lovely floor length dress last year £180 reduced to £30 something.
    2022 MFW 67 - 33 month challenge to clear mortgage, month 15 completed and on track 🙂MFI3 No.12
  • Hello,

    After reading for a while now I have decided to start a diary to keep track of what I am doing.

    Background

    I waste A LOT of money on food, this is the easiest one I can improve on

    Hi BookmobileBadGirl!

    I'm in East London too and do exactly the same, with such ease. I get a lot of pleasure from eating out - there's so much choice and excitement in it!

    You're journey is fab - good on you for prioritising your finances when you could be getting up to all sorts of fun! Hahaha :rotfl:
    Mortgage when started:
    Jan 2013: £200,999; 2nd Jan 2018: £137,500; 2nd Jan 2019: £119,000; 2nd Jan 2020: £98,800; 22nd May 2020: £81,000; 27th July 2020: £71,500
    Mortgage free day planned for: [STRIKE]25th June 2025 (day before my 40th birthday!)[/STRIKE] 31st December 2021
    [/STRIKE] 31st January 2022
    Mortgage free: 2nd June 2021!!!!!!
  • PAY DAY

    Last pay package with my acting up allowance so need to start being good about not spending again. A few days back at my parents for Easter will help with NSD

    OP in the first three months of 2018 = £639.72

    Idiot move of the first three months = booking the wrong date for a romantic hotel night away with beau at the weekend so had to pay the difference at the hotel
    Mortgage £75,300 (December 2016) Mortgage Free Date December 2051

    Mortgage £17,350 (December 2023) Mortgage Free Date 1st March 2024
  • Been at my parents for a couple of days so finally achieved a NSD on Friday, AND got given an Easter egg so do not need to buy one for myself now.

    Booked return flights for city break, they were £97 which is more than I usually spend on flights but will be worth it.
    Mortgage £75,300 (December 2016) Mortgage Free Date December 2051

    Mortgage £17,350 (December 2023) Mortgage Free Date 1st March 2024
  • Not the best start to April for me, picked up a stomach bug from my niece whilst at my parents so haven't left the house for days.
    One upside is that the only money I have spent in the last few days has been this morning on tickets to Swan Lake at the ROH. As I am still a student there I got stalls tickets for £25!

    My current account switched to HSBC today for the £150 switch money. My goal for today is to make it to the cash point beneath my building to change the PIN.

    TT £22.20 this morning
    Mortgage £75,300 (December 2016) Mortgage Free Date December 2051

    Mortgage £17,350 (December 2023) Mortgage Free Date 1st March 2024
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