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2020: Becoming a Saver, Not a Spender

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fab weightloss. Well done on the sewing 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
  • Fab weightloss. Well done on the sewing too!
    Thank you :) it does me good to be creative/productive a lot of the time rather than wasting the days away :)
  • Morning everyone

    I will make a solid effort this evening to catch up properly on diaries, no doubt OH will be glued to the PlayStation at some point tonight so I'll have some time to do so.
    I printed off the job role for the job assessment on Thursday and he went through the list of competencies I know I will need to give solid examples for, as he is good with pointing out what I do that matches them. I tend to read it all and my brain just kind of stops, but when he points out where I match them I can then sit down and work on the examples by myself. I am practising here and there copying paragraphs of text as I know there will be a typing test. I also asked a friend's mum to get in touch with me as she used to do the role, and has moved up but still knows people who do it, so I managed to get a little more detail about the job and the test. That's not cheating, right?! :joy: She just gave me a general idea of what to expect and wished me luck. 

    The thing I am looking forward to most is the lie-in on Thursday. I do believe I will give it my all as I really do want out of my current job, so badly. There will be some initial investments if I get the job, such as some high quality blackout curtains and some decent earplugs as there will be night shifts on the rota. However, the salary is much better and I would be doing something much more interesting and meaningful. I wouldn't be able to do as much SE work but that would balance out with the increased normal salary :) 

    I got woken up at a decent time by the kitten this morning who seemed like he was trying to copy the human version of kisses, briefly putting his nose and mouth to my face, pulling back and doing it over and over :love: he truly has brought a huge amount of joy to my life! 
  • DancingInTheRain
    DancingInTheRain Posts: 1,374 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Sounds like you've used all the resources available to you to fully prepare 😉
    Seriously though, you sound like you've put a lot of effort in and are really well prepared, best of luck for Thursday 🍀
  • Sounds like you've used all the resources available to you to fully prepare 😉
    Seriously though, you sound like you've put a lot of effort in and are really well prepared, best of luck for Thursday 🍀
    Thank you :D xx
  • beanielou
    beanielou Posts: 95,544 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great idea to be well prepared. 
    Hope all goes well. 
    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****
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  • Thank you beanie :) 

    Morning world - feeling very tired today, I honestly think it's the sitting round for hours at work not doing a lot that keeps me in sleepy mode. I am looking forward (as I've probably already said) to being able to have a bit of a lie-in tomorrow. We've changed up kitty's evening routine a bit to calm him down when we're going to bed and he seemed a bit better last night, he took himself off downstairs to play when he wanted to play then came to sleep between us when he was tired :love: we also got a harness so he can play in the garden before he is neutered and chipped so he had some good fun jumping around outside there yesterday.

    On a sad note, OH rang me when he got home from work yesterday about 5ish to ask if I'd shut the kitten in the downstairs loo?!?! I definitely didn't as I always throw a toy in the hallway to get him away from the front door when I leave and OH said he didn't either, so somehow he opened the downstairs toilet door and also got shut in?! Weird!!!! OH said he was squeaking loudly when he got home so he did find his voice but I felt absolutely devastated that he'd been shut in for god knows how long squeaking to be let out :(:( amazingly he didn't go to the toilet or anything in there, so I don't think it could have been all day that he was shut in, but we can't work out what happened! He got SO much fuss when I got home and lots of cuddles, and he seems okay thankfully. It honestly made me so sad the thought of him being in there. It made me even more relieved I had received the harness and could take him out to play in the back garden, though :)

    Hoping today goes quickly, it generally does the day before I have a day off as I have areas to tidy up and declutter for the cover guy, so I generally manage to keep myself ticking along :)
  • Aww I did that so much with my boys when they were kittens! One got shut in the bathroom a few times and one I even shut in the big cupboard at night  :D it's a horrible feeling but sounds like he's alright! Maybe he did it on purpose for some extra fuss 😉  kittens are sneaky little things
    Nov 19 CC was: £1334.95 Now: £0!! 1% challenge - 100% Savings:£300.83February take lunch to work: 19/18
    Made in Feb: £41.68 Made in March: £32.15
    Made in April: £31.79, Made in May: £30.18
  •  Maybe he did it on purpose for some extra fuss 😉  kittens are sneaky little things
    Haha if that's the case then I have set a bad precedent by giving him his first trip outside after :joy::joy: 
  • FootyFanDan
    FootyFanDan Posts: 1,681 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    It’s sounded more and like the kitten was a super idea and it sounds like ur getting so much joy from having the kitten around

    good luck with the assessment you have put so much work it to it so hope it pays off 😊 x
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