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2020: Becoming a Saver, Not a Spender

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  • FootyFanDan
    FootyFanDan Posts: 1,678 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Hey, 

    Glad you enjoyed your weekend, good luck training the newbie tomorrow :) x
    Days to Orlando: 462- ☀️🎢

  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    1,000 Posts Second Anniversary Name Dropper I've been Money Tipped!
    FootyFanDan said:
    Hey, 

    Glad you enjoyed your weekend, good luck training the newbie tomorrow :) x
    Thank you! Training is ongoing and going well hence my silence :joy: just popping on to say hi to everyone and will catch up on diaries this evening xx 
  • beanielou
    beanielou Posts: 95,493 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad training is going 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****
    "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: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good training is going well.  Too hot to be stuck at home. Enjoyed by air conditioning in my car when we nipped out
    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
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    1,000 Posts Second Anniversary Name Dropper I've been Money Tipped!
    Good morning everyone!

    Day without my newbie today so I can have a proper catch up on things and diaries :) he is doing well, I will feel comfortable handing over my role to him when the time comes. Today I'm going to email my boss and broach the idea of using up 3 days annual leave to have (after this week) the remaining three Fridays as annual leave, so I would do 4 x 4 day weeks up until I leave which would be nice.

    SE wages went in today so need to do a shuffle with things there, and need to do an order for kittens wet food, dry food AND litter but the company does free next day delivery for how much it'll come to, so not too bad in the grand scheme of things :)

    I am SO glad the temperature has dropped, our reception is basically a big glass room on one side so it's been horrendous even with fans but soooo much better today.

    Right, time to go and make myself a coffee and then do some catching up! 
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    1,000 Posts Second Anniversary Name Dropper I've been Money Tipped!
    Just updating to say my boss OK'd my request to take one day off per week for the next few weeks but one will be a Friday, then a Wednesday, then a Tuesday, which is fine by me :) the Wednesday is a day that OH is off each week anyway, and I believe the Tuesday follows the bank hol so not a bad week at all :joy: x
  • beanielou
    beanielou Posts: 95,493 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good news on getting your time off  :)
    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.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    1,000 Posts Second Anniversary Name Dropper I've been Money Tipped!
    beanielou said:
    Good news on getting your time off  :)
    thanks beanie :) figured as the rest of my accrued annual leave still covers my week off between jobs, I'd rather take an extra day off each week than lose some of the extra pay to the tax man when it comes in my final pay lol :)
  • beanielou
    beanielou Posts: 95,493 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    SSDD23 said:
    beanielou said:
    Good news on getting your time off  :)
    thanks beanie :) figured as the rest of my accrued annual leave still covers my week off between jobs, I'd rather take an extra day off each week than lose some of the extra pay to the tax man when it comes in my final pay lol :)
    Good thinking  :)
    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: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You deserve a break. Glad your boss was supportive
    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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