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Excellent news. Well done.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
Save £12k in 2025 #1 £12000/£80006 -
Brilliant news 😍😍Sealed pot challenge 822
Jan - £176.66 :j6 -
Fantastic news!Debt free Feb 2021 🎉6
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Congrats. It sounds like you like the contrast of the two jobs and the time away from the kids too. Perhaps write a list of what the job gives you and weight that up in terms of how you would spend your time and £ if you were no longer there. If you do give up the job - perhaps you still need a few hours to yourself each week...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 29/7/255 -
I would only give up the weekend job if your dd could take your place 😉Debt free Feb 2021 🎉4
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savingholmes said:Congrats. It sounds like you like the contrast of the two jobs and the time away from the kids too. Perhaps write a list of what the job gives you and weight that up in terms of how you would spend your time and £ if you were no longer there. If you do give up the job - perhaps you still need a few hours to yourself each week...
I like the list idea and I think if the side hustle wage was just going on something specific, it justifies the time away on a weekend. I get time to myself on the other 3 days a week I work, so that's not really an issue.
Early next year, I get an increment which will give me a chunky payrise (throwback to the NHS pay deal 3 years ago which created a weird funnel neck)... the extra salary will virtually be the same as side hustle wage (£200-250pm), so maybe I could just carry on until then and drop the weekend work when NHS wage increases to cover it
DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved4 -
Just realised I never mentioned the result of my antibody test last week. I tested positive, so I did have Covid when I thought I did. Strangely pleased about it, which is daft as doesn't now mean I'm immune anyway.
Having said that, I must have had a decent dose of the virus to get a positive result (many colleagues got negatives even though they know they had it) and I've genuinely felt far worse with a common cold. I didn't have a temperature or a cough.... I just felt like I'd been punched in the ribs, felt absolutely exhausted and lost my sense of taste and smell for weeks. OH had same symptoms as me. Children all had very mild symptoms and if they hadn't been home for lockdown, none of their symptoms would have suggested keeping them off school. I guess that's why the virus is dangerous, most people don't even know they have it.DFD March 2025 (£35000 paid off)
FFEF £10000/20000 saved7 -
I think the blessing of the test is even if you are not immune forever, your genetics have protected you this time (so probably next time) from the worst effects if you were to catch it againI think I saw you in an ice cream parlour
Drinking milk shakes, cold and long
Smiling and waving and looking so fine7 -
I too had a job from about 3 months after turning 16 and it was the best thing I ever did. It meant I could learn to drive at 16 as my parents were in no position to support me to do it. I had a block of 5 for my birthday and saved the rest myself. I also saved up for my own car and paid my insurance monthly as a result instead of out right. I felt such a sense of achievement being able to do it myself and whatever you decide for one you will have to do for the rest so give it some serious thought as you also might want to consider what other expenses you could be paying out for when the next ones get to that age. Good luck with whatever you decide because it sounds like you're daughter won't be happy*Dad loan - £5300 - £7200
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £840
*Total debt - £8040/£11641.17*
Savings
*Savings Buffer - £100/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/9 -
Glad you are pleased about the result. I would find it strangely reassuring in your shoes too. Nice payrise in a year.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 29/7/254
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