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Holey Moley!
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The crochet you have shared pics of is good - you should have more faith in yourself! Glad your new job is working out so well xMortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!1 -
I would agree that the crochet I've seen you do is very gift-worthy.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20251 -
Very, very belated congratulations on the new job!! And your crochet is definitely gift-worthy! (Do I recall a purple octopus, or am I misremembering..? - which is a regular occurrence for me nowadays!)I am the master of my fate; I am the captain of my soulRepaid mtge early (orig 11/25) 01/09 £124616 01/11 £89873 01/13 £52546 01/15 £12133 07/15 £NILNet sales 2024: £202
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Thank you for the crochet support. It is easy to see faults in your own work, harder to see it in others. @greent I made a jellyfish which was bee themed? I might have made an octopus, but they all kinda merge into one. I really enjoy making things, it's very relaxing.
This is my latest finished thing, I'm very pleased even if he's a bit wonky.
Will be back shortly with a year review/2024 goals.2 -
So 2023 was good overall I think. I don't appear to have given myself goals this year but I will run through some of the highlights:
Financial
My non-flat assets are now only a few k away from matching that of the balance I own of my flat (based on the amount I paid for it). I'm very pleased with this, it's my goal for my flat to be only 40% of my assets.
Investments and pensions are up 15k but this is only partially due to me
Salary has increased to £46k from 41k. Pension contribution is now 1% from me and 7.5% from my employer (up from the statutory minimum)
Personal
I have had a bit of a turn around mentally in the last 2-3 months. I've always been a blue kind of person (sad, not dirty) and these last few years has been rough on me. But I'm feeling better and feeling positive.
My friends have been excellent, however I have been neglecting my friendships a bit.
Health has been variable.
Sadly woody is now gone. The little guy was a delight but probably too much for me.
Career
Went from perpetual senior to assistant manager.
Done some actual people managing, which is very different to training. It's a learning curve but I'm enjoying it.3 -
2024 goals
Trip to New Zealand is in Feb, I will need to sort out the rest of the organising in the next two weeks.
I will need to get on top of my cpd so goal is to do 2 hours each month.
I want to find out the timeline to becoming manager and what the difference between the roles are. I'm 6 months in, so I'm not sure when to bring it up.
I would have saved 8k if not for new Zealand, therefore I would like to save this amount again. This will largely go into my mortgage reduction/my uncles house goal.
I would also like to increase my investments by £50 a month.
I want to reduce my eating out at lunch times to once a week. Except for December. December is rubbish for my industry.
Mortgage is up in September, the savings goals will be affected by this obviously. But I hope to get the best rate I can.
I would like to make my own crochet patterns. I will aim for one a quarter.
I need to complete my house painting and stuff. This will progress eventually.
Lastly, I need to up my survey game, I will aim for £25 a month. Low, but I get demotivated easily.3 -
Happy new year KP 😊 defiantly start gifting those crochet bits , they are fantastic!MFW 67 - Finally mortgage free! 💙😁0
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As someone filling out their CPD requirements this evening (it resets tonight) I can only suggest you record as you go and don't be like me.
New Zealand is an exciting trip of a lifetime and I hope you have an absolutely whirlwind of an adventure there! What a thing to have to look forward to.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20252 -
I have been qualified nearly 5 years now, it's always a mad dash this time of year, I'm certain I've done more than the amount I've recorded but like you @Merlin's_Beard I don't record as I go along. One day, I will be organised, 2023 was not this time.
NZ will actually be the first time I've ever been in a plane. 25 hours and 27 hours. I'm.. I've got some puzzle books, going to crochet flowers, a couple of books and some sleep masks.
Thanks Ng! That's very kind!2 -
Ear plugs as well for a long flightl!Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20252
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