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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So pleased you're getting your bathroom done. 

    On entitled tean - I sympathise...  and hurt for you. 

    Sorry work is so pressured- I'd talk to OHU again about the student element and the TU if you are in one.

    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • If they want staff to take tests then there MUST be a mechanism where they are provided - it's entirely ridiculous of them  to say they expect people to pay for their own. Clearly in the long term testing constantly isn't sustainable, but I do feel that in settings like healthcare, or where people have to have contact with someone categorised as extremely clinically vulnerable, they should be continuing for longer. 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    at the very least stock up a little while they are still free - not generally acceptable but for an actual NHS worker, totally OK
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Sounds like you're instilling really important money skills there Crunchie :)
    We start pocket money for ours at 10 and link it to tidying their rooms.  Initially they get £10 a month (to get them used to the concept) until they get to secondary and then it's £10 a week.  That's been working well on the whole, my 4th child is about to start as he's 10 soon and is so looking forward to it :D They don't really need anything, so it'll be purely spent on 'wants'.
    DD has got better since she's got the job, it's the 'big' stuff that causes issues because she doesn't want to save for them :#
    It is so hard to save and be patient for things but it’s such a great skill to learn.
    Debt-free Jan 2023 | MFW date Dec 2033. Start date 1st January 2023 £257,509 (23 years left)
    Current Mortgage: £235,698
    Emergency Fund = £8,256 Target £10,000
    Currently paying off CC £1204 - Saved £100 so far


  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just ordered some... Thanks for the reminder
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • mark55man
    mark55man Posts: 8,215 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    dear EH - sorry if my glib reply touched was over simplistic.  clearly if you have a need (NHS or ECV) you should do what you have to.  but there are those who will take and take for anything that is free whether they need it or not and (a bit like the toilet paper brigade) possibly with a view to selling on
    I think I saw you in an ice cream parlour
    Drinking milk shakes, cold and long
    Smiling and waving and looking so fine
  • Thanks Alchemilla and Suffolksue
    She really does have a stinky attitude.... She's mellowed this week, some of it is PMT I think, no filter when it's that time.  Rubbish though and she needs to get a handle on it

    SH, Mark, EH
    Yeah, we've got a bit of a stockpile.  I tend to test before I do my 3 days but get given enough to test twice a week at the mo.  My 3 teens only test once a week too, so they have a collection.
    Pleasantly surprised today, most patients wore a mask when I asked nicely, no aggro.  

    Re lists, my colleague rang union and they were uninterested.  Occy Health says we have to balance our personal needs with those of the service.  Think that's a polite 'uninterested'.  One of our trainees has been signed off with stress and is unlikely to return - not my fault, I haven't worked with her much :D She seemed really nice, I hope she comes back.


    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I feel for you on the lists and for all those who need people like you. Thanks.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • That's kind, thanks :)

    It's just frustrating as if they kept lists more civilised, gave more breaks and paid us better they'd hold onto their staff.  But instead, they work us hard and wonder why people leave... then they just lump the work onto those remaining.  They then hire locums and pay them 2-3 times the wage! :/


    DFD March 2025 (£35000 paid off)
    FFEF £10000/20000 saved
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