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Giving every £ a job

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's things like the meal you describe that shows how much things have changed. Well done. 

    Good luck with work. Stick to your guns. They can't make you stay.
    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
  • Blackcats
    Blackcats Posts: 3,892 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    That's interesting about direct debit SA.  I feel like it's a bit of a challenge to keep usage down and try to keep as much in credit as I can.  I sympathise with people for whom it's far more serious than a challenge.  My aunt managed to get a far better deal when she rang about the proposed massive hike to her bill - the supplier put her on a rate because her OH is over 75 - don't know if it's a new rate or whether they've missed out between when he turned 75 and now when he's 80.

    thanks for the reassurance SH - I know boss will try and make me feel guilty but only because it means they've got to go through the rigmarole of recruiting.  I'm a safe pair of hands, get on with my work and generally do a good job but I'm not by any stretch of the imagination irreplaceable.

    have booked a week's holiday in September which I'm very excited about.  Last year I took my work phone with me to do a few bits and pieces while we were away - hard to imagine not having to clear my desk before leave and come back to a mountain of work that negates the benefits of the holiday very quickly.  

    April's budget is looking ok except the cats have overspent - naughty creatures.  I need petrol but I think I've got enough in that pot.  We've going to a show on Friday - it's been postponed twice so I'm looking forward to that and the eating out pot has got enough in it to cover a meal in the most exquisite Thai restaurant next to the theatre.  We are having the pre-show set menu which is good value. 

    Feeling upbeat and contended watching Julia on tv (a nice series with some great dialogue) drinking tea and eating a chocolate orange cookie which came courtesy of olio.  
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Cookies from Olio sounds great.

    The pre theatre meal and show sound fab too
    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
  • MissRikkiC
    MissRikkiC Posts: 1,409 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Jealous of the cookies. Although I’m still eating chocolate pots from about 4 weeks ago 😂
    Follow here for the daily life of an ADHD mum with 2 children and a new mortgage to pay

    https://forums.moneysavingexpert.com/discussion/6570879/life-in-our-forever-family-home-and-the-mortgage-that-came-with-it#latest
  • Very jealous of your meal in with friends and your show/meal out (plus chocolate orange cookie!!)

    Let us know what work said - and I'm sure you don't but don't feel guilty, like you say, if they wanted a longer lead in time then they should increase their notice periods!

    Sorry I missed the post about your birthday - belated happy birthday!
  • Love Julia too - seen 3 episodes already. Such a great cast and sets and style. Love it. Sarah Lancashire is amazing in it.
  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds a great option. Flex retirement. Personally I'd prefer to retire in Spring. It all depends how desperate you are to leave
    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
  • Blackcats
    Blackcats Posts: 3,892 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    Thanks SH - good point about Winter v spring.  I think they would go for end March 23.

    saving Holmes, I can't remember if I mentioned to you The humblepenny blog - I think you'd find it interesting.  They run a 52 week take control and grow your money programme.  An email a week with associated tasks.   I'm finding it very useful.


  • benbenandme
    benbenandme Posts: 12,349 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Photogenic
    Hello Blackcats, I've been reading your diary from the beginning, I made it as far as page 33/106 but then, like reading a book, had to read the last page :) Glad to see you're doing well, part-time work sounds like heaven to me :)
    Mortgage Total: £51,549 / £75,000
    Mortgage Overpayments Pot £1079
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