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Jessy103

It's Sunday again, time certainly is flying at the moment!

Payday was Friday and after making an overpayment of £263.61 to the mortgage, the balance is now £53,600. The normal amount will come off the 1st October, so I'll make another small overpayment to round it down to the nearest 100. 

Rescue dog is doing well after his operation and goes back to the vet tomorrow for a final post op check up. It was nice to have a few days off work and I got some good streaming time in and made some extra money. Halloween is coming up which is always a good time for streamers as most play horror games and viewers like to see you scared! I put some scary alerts on for when people follow or subscribe which make me jump and I seem to have a particularly mean small fan base that like to see me suffer 😂

We did have some sad news this week and that was a friend of my parents and a neighbour of me and BF passed away. She was a lovely lady and it's very sad to lose her. Her partner of 30 years seems so lost without her, so my parents are doing all they can for him. 
It got me thinking though about how we need to live and enjoy life, so me and BF booked our Christmas holiday to Devon later that day. My parents were kind enough to give us an early Christmas present of £150 towards it which is very kind of them and I'm very lucky to have them. 
BF told his mum and we had a lovely stroke of luck in that no. 1 favourite son bought his first house this year, so they are going to spend Christmas at his! We are therefore free from her wrath! 😀

BF has a trial day in the Design department of work on Wednesday, so fingers crossed all goes well and he gets the job in there. It would mean less hours, better pay and better benefits. I also had a meeting with my boss this week and he would like me to take on more responsibility in the planning of the work in the factory working with the Production Director, this would also mean a pay rise. Things seem to be going well at the moment which scares me, I'm not used to it!

Have a great week all, take care and stay safe ❤

South_coast

It does all sound really positive (although sorry to hear about your neighbour 🙁). Long may it continue!

Grogged

Sorry to hear about your parents friend.
Good news on the other fronts and fingers crossed for BF on Wednesday and your meeting with the director.

Jessy103

Well, you can certainly tell it's October! It's definitely dropped chilly here the past few days and the dogs are now wearing their winter coats out on walks.

I'm determined not to put the heating on until atleast when the clocks change and then only an hour in the morning to take the chill off. Luckily, we haven't needed to buy any petrol with us working in the village we live in, but will definitely need to fill up soon, as boyo will be coming to stay at some point and we have our Christmas holiday down to Devon. I'm hoping people will stop being absolute muppets soon!

Had a bit of a stomach bug this week so had to take a couple of days off work, so the rest of the week flew by! BF got on well with his trial day but still has to go through the interview process soon, yawn!

Normal DD came out for the mortgage so I've made an overpayment of £104.55 to round it down to £53,200. I'm not sure if I will make my target of being under £52k by the end of the year with Christmas presents to buy and our holiday, but I'm determined to be in the 40s early next year

Have a great week all x

QueenJess

Hey, it’s been a while. Hope you’re ok.

newgirly

Just caught up with you diary jessy, glad you booked for Xmas and managed to avoid the in-laws wrath 😂

Jessy103

Thanks Jess and NG! ❤

Holiday is all paid for, £595 in total but that includes taking 2x dogs and insurance. Really looking forward to getting away now.

I'm all good, just working hard. I've been doing my training with the production director, who knew making timber windows and doors is so complicated, but I seem to be grasping how it moves through the factory. Boss has confirmed that I will definitely be getting a pay rise but hasn't said how much yet. I'm on £21k at the moment, so I'm hoping for at least £23k.

BF got the job in the Design Team and starts in January. His annual salary is more and he will get more holidays but no overtime. He seems happy anyway and I'm pleased for him. 

Not a lot else to report. It's been an expensive month with paying for the holiday and BF's birthday, so looking forward to pay day!

Take care x

newgirly

Fingers crossed the pay rise is a good one jessy 😁

Sistergold

Hello @Jessy103 just found your diary! I will be slowly catching up, but just wanted to say hello and well done on being able to start again on your own. Your bungalow sounds ideal for a single person and two dogs! Lucky you are also close to family for support especially on hindsight with the pandemic we ended up having to go through. By now you must have settled in well? Xx

Jessy103

Thanks NG and Sistergold ❤

@Sistergold Thanks for reading! I have certainty settled in but still to do any decorating! I've been so engrossed in just overpaying the mortgage, I haven't actually done anything to the house to make it feel my own. I think this will change next year and I hope to make it more homely, at the moment it's just all white walls. 

The usual mortgage payment has come out and I've paid some extra, so the new total is £52,800 and my LTV is now 58%. I'm thinking about targets for next year and I will be really happy if I can get under £45K by the end of 2022.
The savings needs work as I currently only have £400. I need to get this up, £10K would be ideal but that will take a lot of hard work and I'm going to give myself a target of the end of 2025.

I've got started on my Christmas shopping and that will be all done by the end of this month.

Take care x