Starting Afresh Back Home

newgirly

At least it seems your job is secure Jessy that must be less of a worry. I can see why you would be tired going back, I was exhausted after a walk the other day, what has happened 😆

Hettyhound

Just catching up and see you’ve gone back to work.  I know you hate it but keep that mortgage free/next home in sight.  I’ve been feeling the strain mentally a bit recently so I’ve redone the finances and the future plan of action and spent ages fantasising about it.  I’m with you on kids eating all the food!  I have to hide it all over the place and then forget where I’ve put it; the fruit and bread are currently in the recycling crate on top of the cupboard 😁

Thick_n_Thin

Regarding the overpayment, do whatever gives you some joy, the benefits are there in terms of the reduction in your term and interest, at least it hasn’t been frittered away! I’m with you on the tiredness theme, I have found I’m able to sleep for a solid 9 hours now! Working the 9-5 is going to take some adjusting to! 

Jessy103

Thanks guys!
I was in work again today and was told I will be tomorrow and next week. Again, mixed feelings about this, I'm happy I have a job but I am worried we're back too soon and that I will end up being furloughed when the pay has gone down to 60%! I think I'm going to be worried about it for the rest of the year, we're surely going to go into a recession after all of this and that means more job losses. I'm trying to be as useful as I can at work to make myself more valuable and hopefully less likely to get made redundant. Only time will tell! 

Anyway, enough of being a downer. I have been told that I can potentially work from home some days next week which is nice and I can still keep the half hour lunches and 4:30pm finishes.

I totted up the food spends for the month and they came to £204.38, now this is £4.38 over my planned budget BUT I did buy a bag of dog food for £7 and some first class stamps so technically, I'm under the budget with a week to go! We have another loaf of bread in the freezer and so should only need to buy some milk. I'm proud of this, because our usual spend is around £250 and we've had an extra mouth to feed. 

After reading so many diaries with financial plans, I think I need to make one! I have absolutely no idea where to start though, so I shall be spending the evening researching! 

Take care and stay safe x

South_coast

Ooh, good luck with the research - looking forward to hearing about that 😀 It's definitely a good thing to be trained on more stuff at work, always good to make yourself indispensable. I know you hate the job so you're seeing it through a negative lens, but as an outsider it sounds pretty positive: They want YOU back, and are training you to do other peoples' work 

Great work on the grocery budget too. Definitely don't count the stamps, they're not edible - can't even lick them any more 😂

Jessy103

South_coast said:

Great work on the grocery budget too. Definitely don't count the stamps, they're not edible - can't even lick them any more 😂

This is a fantastic point well made! Thanks SC 😂

Thick_n_Thin

I don’t know if you are aware but MSE has teamed up with Open University to deliver a free six part training course regarding all things financial from budgets through to investments and retirement planning, each course is aprox 2 hours long. It may help you with your plans! 

Jessy103

Thick_n_Thin said:

I don’t know if you are aware but MSE has teamed up with Open University to deliver a free six part training course regarding all things financial from budgets through to investments and retirement planning, each course is aprox 2 hours long. It may help you with your plans! 

I didn't know that, thank you!

themadvix

Well done on the grocery budget! I agree with SC that work seem to value you, which can only be a good thing - even if it’s not your dream job.

I would love to make long term plans but knowing we will move at some point and being self employed makes it tricky to plan. In the meantime it’s just a case of throwing money into mortgage, pension and investments. Looked at Rightmove last night and there were some nice houses in it, but the thought of trying to get house in market at the moment fills me with dread!

newgirly

Morning Jessy, I think it’s already been announced that furlough will still be at 80% , but from August the employer will have to contribute to paying it , but with a strong possibility you can go back part time so that could be helpful for your employer as they still have work for you?