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2020: Becoming a Saver, Not a Spender

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  • I was offered the option to reschedule if I wanted to for their next lot of dates when they are arranged, so I have opted for that as it's not cancelling the assessment, it's just delaying it.

    Picking up some light cleaner duties on top of the desk work this week as our cleaner's son got sent home and needs to be self-isolated, but my boss has said he will pay me a little something extra for doing so, which is good as I had been doing what he asked me to today already when she was scheduled to not be in :joy: I also have 3 more days leave to use and only 2 weeks left, and we have come to a happy compromise that I will take the one day that I can whilst giving the contractual 2 weeks notice, and they will pay me for the other 2 as a discretionary payment, so a good morning/afternoon all round so far.

    Now that I have agreed to reschedule the assessment, the giant knot in my stomach has eased off, so I made the right call there I think.
  • beanielou
    beanielou Posts: 95,467 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on the extra pennies  :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • FootyFanDan
    FootyFanDan Posts: 1,674 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper

    Hey 😊

    I think you made the right call to reschedule the assessment, I would imagine a lot is going to be getting cancelled and changed over the next few weeks or so. We just gotta ride it out and be mindful of our actions, the one thing this has taught me though is we live in a very selfish world. Humans suck at times! I understand why people are being cautious but there is also some serious overcompensating with certain things.

    Great to get the extra pennies too, hope you are taking care of yourself 

    x


    Days to Orlando: 462- ☀️🎢

  • Yes the extra pennies will come in handy should OH have any issues with his wages. As it is he’s been at work all day, still waiting to hear anything concrete. 

    I usually go to a friends house but they’ve not long had an op so not having visitors for now, so just came home and did my shred, and now I am catching up on Supernatural online. They have paused filming so I have time to catch up before it finishes forever!

    Now that I am not going to the assessment any more, OH and I both have the day off tomorrow. I mentioned tonight that once this all passes one of our top priorities should be to have at least 3 months expenses saved in case of worst case scenarios. I could have worked tomorrow but then my boss and I would still be in the same position of accommodating or paying more holiday :)

    On the plus side, I don’t have the bank account that is changing :joy: it’s the one up from it :joy: so, my travel insurance still stands so all good on that front :grin: lots of silver linings :) 

    Hope everyone is taking care of themselves xx 
  • beanielou
    beanielou Posts: 95,467 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Silver linings are all good  :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you've had some good financial news today and that your insurance is still in place. Good too if your anxiety is easing off. 
    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
  • More good news to report today, 1.5 kilos off this week so the weight loss is finally coming after lots of hard work :) day 8 of level 1 take 2 shortly whilst OH is getting the kids, so will do fresh measurements on Saturday morning before restarting level 2.

    looking forward to seeing what help they will be bringing in for renters today.........
  • beanielou
    beanielou Posts: 95,467 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news on the weight loss. 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • FootyFanDan
    FootyFanDan Posts: 1,674 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Well done on the weight loss, it is great to see the work paying off :)
    Days to Orlando: 462- ☀️🎢

  • savingholmes
    savingholmes Posts: 28,958 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the weight loss. They are planning to stop any evictions for 3 months - something at least
    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
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