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Moving forward and upwards

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  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    You have done I am glad you are resting. The bank bonus will be great. 
    Aiming for a minimal spend 2022
  • Irenadler
    Irenadler Posts: 884 Forumite
    500 Posts Third Anniversary Name Dropper Combo Breaker
    Nice to read you are taking the foot off the accelerator for a bit.  :)

    I seriously thought about not taking down the decorations until Spring... just thought long enough until the word 'dusting' popped into my brain... I don't think I could be 'Mrs Christmas' and leave them up all year....! :D They were so lovely, cheered the place up, but now they are down, it's like clearing the clutter from my brain!
    "...when you have eliminated the impossible, whatever remains however improbable, must be the truth..."
    "Mastering a low budget lifestyle now, means you are set for life" quote by 'Miss Babs'

    Dog's 'Pot o' Gold' = £23.85
    Household maintenance = 0
    Prolific Academic = £41.64
  • Sorry to hear you are struggling with work and tombo is not getting his contracted hours. Does it say anything in his contract about changing hours ? Maybe ACAS can advise ? 
    Take care of yourself and rest when you can. 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    edited 12 January 2021 at 12:35PM
    Thanks Skinty, TomBo doesn't care about the job and I'm surprised he's lasted this long in it, he won't have it for much longer.

    All I can do is rest when not working 😉
    - I'm doing both roles for at least another month, been told no extra pay to show appreciation ☹️

    Apparently the utility account is now getting set up, but I'm still not holding out much hope!

    CC have taken the DD this month and rounded up payment made.

    £70 in the bank, 16 days til payday.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • I've just read back over a few days and it is nice to see your pattern of progress with savings, organisation and the house.

    Good to see the heat is being retained and the improvements paid off. 

    Sorry the job sounds so demanding and as you say, rest when you can.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • MovingForwards
    MovingForwards Posts: 17,149 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Thank you DIA. I'm hoping my energy gets up with me one morning, or decides to join me at some point 😃

    The back of the flat was hot this morning and the sun blinding.
    In a few months I will be saying about having the windows open, the sun / flat is too hot and my cat takes herself off for a sunbathe. 

    I will try and do the window surrounds this weekend and the frames after payday.

    Unfortunately my morale hit rock bottom today, as to be expected. Just reminds me of all my other roles, taking with nothing in return.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingwannabe
    savingwannabe Posts: 16,619 Forumite
    Part of the Furniture 10,000 Posts
    MF that's awful. Im doing the same loads of extra work unpaid. It's that or lose my job! Some employers are so unethical in this climate . 
    Aiming for a minimal spend 2022
  • It wouldn't have made any difference if it was normal times SW!
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I was taught phrases
    Will the world stop spinning?
    Will someone die if this doesn't get done?
    As a way of stepping back and evaluating true urgency
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
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