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A Year in the Life of...

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  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    Ahhh ok fair enough. Has she decided what she is going to do instead?
    No.  She's going to take 6 months to a year out to have a think about it and then hopefully she will have a better idea.  As far as I'm concerned, as long as she's working then that's ok.  Of course I want better for her but equally mental health is important and if that means working in a restaurant forever more then so be it.

    I need to remember to call CMS though!
    That’s ok then as long as she’s doing something with her time that’s what matters really. its all good experience to have on her cv later on

    Definitely.  She has been at the restaurant for three years now (short couple of months' break when she was trying out a job in the industry she was studying in but the restaurant she works for took her back when she decided she wanted to go back) so that is a decent length of time to show on her CV.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • savingholmes
    savingholmes Posts: 28,953 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fab progress. Still love the silent competition with boyfriend LOL. Great to knock 6 months off your DFD. 
    On the signatures in your profile settings you can set how many lines of the signature you want to show.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £3K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.6K updated 6/7/25
  • Haha it’s always good to be winn8ng in a competition, even if bf doesn’t know about it lol 
    *Dad loan - £5300 - £7300
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£400

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £860
    *Total debt - £8560/£11641.17*


    Savings
    *Savings Buffer - £1000/£1500
    *Emergency Fund - £1000/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Fab progress. Still love the silent competition with boyfriend LOL. Great to knock 6 months off your DFD. 
    On the signatures in your profile settings you can set how many lines of the signature you want to show.
    Heehee I'm not even going to tell him when I win.  Oh dear goodness I need help 😦

    I can't see any part of any signatures on my phone, can't see dates, can't get the bookmark tab so I have to search for all my bookmarked posts 🙄
    Can't multi quote...
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Haha it’s always good to be winn8ng in a competition, even if bf doesn’t know about it lol 
    Yes. It's the only competition I'll ever win with him as he makes up his own rules so that he always wins.  Think I'm justified here 🙂
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    beanielou said:
    Great progress  :)
    Thank 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
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    If anyone figures out the multi quote then please let me know.

    Just done a grocery shop for the next few days.  £23.  It's supposed to be a week but boyfriend doesn't have his kids this weekend which usually means we do something together and I've cooked the last two meals we've had so I'm predicting that he will suggest something at his.  Trouble is I won't know what night until the night before at the earliest.  I like to plan things in advance (even when my meal planning was out the window I still had a fairly good idea what I was doing, just wasn't so well in control of the costs) but he just goes with the flow which is really inconvenient for the organised part of my mind.  Still, the grocery spend was below the budget so there's some left just in case.

    Talking of boyfriend and his plans/non-plans, he has managed to tell me that his brother has invited us out for his birthday night out next month.  We went last year so I know what to expect.  He lives in a different city so we need to book a hotel. We are always welcome to stay at theirs but with my health stuff I prefer to stay somewhere I have a bathroom nearby that I don't need to share with the whole family.  We have stayed a few times so we know what hotel we will book and we know roughly how much it will cost, he's told me the date and, as I said, I know what to expect.  I'm quite calm
    about it all.  I'm delighted that he has told me this far in advance as it means I can keep some money back each week from LMG's digs to pay towards it.

    Financially:
    - £23 transferred to cc account from cash grocery budget so £88.00 left in there and £32.50 left on Asda card.
    - not had a survey for ages.
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • Hope you avoided the worst of the weather today! Could barely keep track of all the varying combos of:  ❄️☃️🌬☔️⛅️ :lol:
    All looking good with your spends and forward planning - let's hope the snow leaves off now for a bit!
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