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I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to [email protected]
Retainers - hated paying them as I am a teacher but when my 2 where in CC I had no option
In gardens, beauty is a by-product. The main business is sex and death. ~Sam Llewelyn
'On the internet no one knows you are a cat'
I'm registered to look after 3 under 5s, but would only ever have 2. Otherwise, how would I take them out? I'm assuming those that have 3 remain based at home, which doesn't appeal. I'd want to be able to take them to parks, library, NT etc.... not soft play though, my soul dies a little every time I step into one of those places!!
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
Progress was dented by paying off some of the Christmas hangover (same again next month...) and having to pay my tax return.
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
We chickened out of dry February, oops! But we did 3 alcohol free days last week and aiming for 4 this week.
Weight loss plateau, mainly because I didn't really watch it, but didn't put any on, so still 4lb off since 1st Jan, which isn't bad.
I was looking through my payslips and my tax code is wrong, I think because I have 2 PAYE jobs and I'm SE too, it gets messed up sometimes. I'll wait until the end of the tax year to be certain and then look at claiming it back.
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
Weight 17/01/2021:95.5kg - YTD: -1kg, Trips to tip: 02/52 - Rooms Painted: 0/4 - Steps >5000: 2/300
Debt 01/01/2021:-£107.5K - YTD (17/01): [email protected]%:{PDBX21 #26} £550/£12299 - {MFW21 #57} OP Pot: £2.7K/£102K
Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018:£20K 2019:£16K 2020:£37.5K 2021 (Repaid YTD): £1.8K
Have got a bit of a moral dilemma.... I was pursuing the childminding idea and verbally agreed to contracts to fill the spaces I was offering. Now I’ve been offered that promotion at the hospitals that I applied for a few weeks back. Doh!
Husband and kids like the idea of the childminding as I’d be around all day, every day. Plus, I’d feel very bad letting the parents down...
Promotion would mean less working hours overall and it is considerably better paid than childminding.
Husband heard about his bonus, he’s getting £17k which is amazing, we’ve worked it out to be £10.2k after tax/NI. All of it will go straight into debt repayment... parents have said they don’t need paying back yet, so we’ll put it towards Christmas hangover and the remainder into virgin card. It’ll be in his February pay, so signature will look a bit less dreadful on 1st March when I update it
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
Difficult decision on the job dilemma. Only you can decide though as job satisfaction is important but you have to be able to make enough to live off financially. Yes your children and husband may like you at home more but giving up a well paid career is a big step and may have long term implications for you pension and income wise. You have to do what is right for you as well as your family.
I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to [email protected]
You are doing great, keep positive!
My husband's bonus was a little less than we were expecting, or the amount he actually got after the tax man took his cut was anyway! Still, it worked out at £9.5k and we put it all into paying off debt apart from a few hundred that we needed to spend on getting the children some new clothes and shoes. I'll update my signature, but debt level now stands at £36220, which sounds a bit less scary
My other new year targets have been slightly less successful, I'm only averaging 2 days alcohol free a week, which I need to improve. I've only lost 5lbs to, whereas I should be up to more like 10 by now. Oops. I'm getting more active, especially now, with the nicer weather.
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.