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New Life Pending.....
Comments
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Hi
Hope you are enjoying your gardening leave and having time to reset ready for your new role.1 -
Enjoy the gardening leave. Only a week now until your pay day.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.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
The 365 Day 1p Challenge 2025 #1 £667.95/£472.78
Save £12k in 2025 #1 £12000/£124501 -
Glad you are getting some of the time between roles paid.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/251 -
We miss you
Mortgage at 12/07/2022 = £175,000
Mortgage today = £161,690.76
300 271 payments to go.House buyout fund £21,000/£40,000
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Hi
Hope everthing is ok and your just busy with getting to grips with your new job.
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Oh I thought you had posted an update for us. Hope the new job is going well and that all the changes are why you haven't been posting. I miss your diary, although it was hard to find anything recently with the new forum. Come back soon and let us know how things are.4
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Hello, Hello, Hello!I missed you guys!!!! How are you all? First time I’ve seen the new forum, definitely better for the phone but all a bit confusing trying to find my thread!So here I am, week 2 of my new job, and it’s amazing!!!! Best decision I made, I feel so happy already, it’s made a massive difference to my mood!So money....... erm ok, so no going off the rails, but admittedly have used the credit card far more than I should have! Budget pots are all still in play, and my EF is at £1400. However, credit card budget completely over at about £2,600. I get paid next week, although not a full month so another month of things being tight. The next month will be my full pay and my raise will mean I’m £800 approx up every month. Credit card will be paid off, and then it will be save save save.I hope everyone is ok with you all, I’m really sorry for deserting but my old work took my laptop from me, then I got the flu and was in bed for my entire period of gardening leave , then started a new job RL got in the way! I fully intend on being fully back on the bandwagon as soon as everything straightens out.XxxMy debt free journey, diary and all! New Life Pending :beer:9
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Lovely to see you back posting. Glad all is well. You’ll be all over your CC in no time. Boo to flu on garden leave but yeah to new amazing job.No Iwantanewlife said:Hello, Hello, Hello!I missed you guys!!!! How are you all? First time I’ve seen the new forum, definitely better for the phone but all a bit confusing trying to find my thread!So here I am, week 2 of my new job, and it’s amazing!!!! Best decision I made, I feel so happy already, it’s made a massive difference to my mood!So money....... erm ok, so no going off the rails, but admittedly have used the credit card far more than I should have! Budget pots are all still in play, and my EF is at £1400. However, credit card budget completely over at about £2,600. I get paid next week, although not a full month so another month of things being tight. The next month will be my full pay and my raise will mean I’m £800 approx up every month. Credit card will be paid off, and then it will be save save save.I hope everyone is ok with you all, I’m really sorry for deserting but my old work took my laptop from me, then I got the flu and was in bed for my entire period of gardening leave , then started a new job RL got in the way! I fully intend on being fully back on the bandwagon as soon as everything straightens out.Xxx1 -
Thanks Purplefairy! I’ll look forward to catching up with your diary when I get a minute. Last week was crazy, I did over 900 miles in 5 days, exhausted wasnt the word! The good news is I can now claim back most of my mileage so I can really lower my fuel budget to just personal which is hardly nothing. Feeling V. Positive, can you tell?? LolMy debt free journey, diary and all! New Life Pending :beer:2
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Hey! Glad you're back and ok (minus the flu wiping out what should have been your restful gardening leave).
You were expecting it to be tight and planned for possible credit card use in between jobs so I have no doubt you are all over it. So glad to hear that everything is going well and that your enjoying the new job
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