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SmlSaving's go a long way!

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  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Hi Brodiebobs, nice to 'see you' :T

    I am very chuffed that I have passed level 1 skating (passed 3 skill sin one class!) and am now learning how to do slightly scary stuff like derby stops, skating backwards, running starts and the like. I have some very pretty bruises :p

    Studying wise.... I'm putting off revision for a couple of weeks whilst I finish my client care course work to submit. First exam is in January so I have plenty of time to revise.

    :rotfl: who am I kidding :rotfl:

    £7.51 Tilly Tidy to the mortgage and I'm working overtime again which will help towards Christmas,.
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • TallGirl
    TallGirl Posts: 6,246 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well done done skating and good luck with the exams. As you know I'm doing client care as well. Deadline looming for end of course. Hope it does well in Jan.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I'm in two minds whether to tell you off for not revising for your exam or encourage you with your client care course. :rotfl: Have I told you that I'm bossy? :rotfl: Regardless, I hope the coursework is going well fir both sml and tallgirl!

    I get the feeling that your colleague may never be happy.
  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Bossy is good kp I need bossy:D

    How is your client care going TG? I feel I'm over thinking and should just bl**dy submit it.

    Anywhoo..... am I the only one who finds the news of 'Top 2.7% savings rate' really frustrating, even though I'm enjoying the low rates on the mortgage? :cool: You just can't please some people :rotfl:

    I haven't even started Christmas shopping yet and I can tell December is going to be squeaky. Part of me is tempted to put it all on the 0% credit card but I think it would be better to dip into my savings to be able to recover fully in January.

    The Regular Saver has been topped up this month which is good but then I have the holiday balance to pay this week - money in - money out - money shake it all about ;)

    I do have the Emergency Saving accounts maturing in Jan/Feb and I have pretty much decided to put it in Premium Bonds - after moaning about low rates and all - to take advantage of the safety and accessibility. I have this feeling every time I get the car that there's not long to go.....
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • TallGirl
    TallGirl Posts: 6,246 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Same here feedback from Mock useful but scared mines not quite there yet. I’ve done 1 and 2 only but the rest doesn’t look too bad.
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • SmlSave
    SmlSave Posts: 4,911 Forumite
    Part of the Furniture Combo Breaker
    Hello, hello :) I finally feel like life is slowly coming back to normal after the Christmas and New Year break!

    All change happened at work with my boss of nearly 13 years retiring and I am still adjusting to the change.

    I am still overpaying small amounts to the mortgage so it is creeping down nicely.
    Currently studying for a Diploma - wish me luck :)

    Phase 1 - Emergency Fund - Complete :j
    Phase 2 - £20,000 Mortgage Fund - Underway
  • killerpeaty
    killerpeaty Posts: 2,658 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I was wondering where you had disappeared off to. Have you had your exam?

    Changes at work can be very tiring, but I hope it goes well.
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