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Easter 2025 I’m coming to get you!

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  • Wow, fabulous on the running front! You and your DS will both feel better for it and he may sleep better too. Good luck! Have you started your new job yet? How's it going?
  • Hettyhound
    Hettyhound Posts: 1,046 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Start the job tomorrow; currently full of cold.
    SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • Jessy103
    Jessy103 Posts: 2,250 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Good luck with the job and I hope you feel better soon! :)
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • Good luck with the job and hope the cold goes soon.
  • Hettyhound
    Hettyhound Posts: 1,046 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Hello everyone. First day was fab! The contrast with my other job was out of this world. I have a 5 week induction plan and all my IT access was already set up. It’s the little things that make the difference. Still full of cold but it’s no worse. Got a few jobs to do in the house and then off to bed.

    Made an overpayment of £50 tonight and updated tax credits info.
    SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • beanielou
    beanielou Posts: 95,667 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that your first day went well :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • Fantastic news, Hetty. 2020 looks like being a good year for you :)
  • Hettyhound
    Hettyhound Posts: 1,046 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    First week was brilliant, I feel part of the team and settled already. We went running both Wednesday and Friday evening, next one is Sunday. I darent tell him the distance we are running is only half of a parkrun 5k. He doesn’t understand at his age how you improve little by little but he is doing really well. Paid a couple of bills yesterday and it was DD day for the mortgage which has dropped under the 58k mark! Sent in my changes to work hours, salary and childcare amounts to tax credits so waiting to see what that does to my payments so I can recalculate my finances. It will all change again in April!
    SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad your new job and the running are going well
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Hettyhound
    Hettyhound Posts: 1,046 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Hello everyone :wave:

    New job is still good, I’m so relieved that I have finally found a good job and team. Got my tax credit review up to April and I’m loosing approx £45 a month. It will all get recalculated again in April but at least I’ve been able to budget up til then. My January grocery challenge isn’t going too great and I will be over but this month I’ve kept all the receipts so I can review what I’m actually spending it on. Did loads of chores yesterday, some out in the garden including putting up a bird box I had been bought, a tip run and wiping the glass over in the cold frame. I got 10 cards for £1 so my supplies are updated and I also got some seed potatoes and sweet pea seeds. I got some garden fleece to protect my camellia when it comes out. Last year the flowers went brown so when I read up about it it’s basically because I planted it in the wrong place. The early morning sun shines on it and scorches the flowers as they are damp from the dew. The advice was to cover it overnight with fleece so I’ll give it a go; another job to do when I go out to feed the birds.

    Exercise is going well. We will be setting off for today’s run in about an hour and we are greyhound walking with a group this afternoon. I’m not sure if I feel any fitter but I’m sleeping better, that could be the new job though. My diet isn’t too bad but could do with tweaking a bit so that’s the next bit to look at. According to the nhs website for my build etc I’m only suppose to need 1,500 calories a day!

    Been trying to plan a couple of days out over the summer but now have to stick to Saturdays as I’m working FT. Going to save my holiday as much as possible so I can have a few sanity days when I just want some peace and quiet :rotfl:
    SPC #023 SPC 12: £125.86[/COLOUR]:SPC 13: £214.98: SPC 14: £297.41 SPC 15: £237.27 SPC 16 £335.39; SPC 17 £662.09 SPC 18 £20MFW #21 Mortgage start Dec 2015 £79,950; June 2025 £19,394.00 2025 OP £1589/COLOR]/£2,000 MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £2050/£21,930 (9.34%)
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