FtbDreaming wants to clear £69,700 before Im 40 (2027)

FtbDreaming

Hiii!!!! Well I got my payslip and was super deflated! Worked full time hours expecting a £10 an hour bonus/ incentive and it turns out we don’t get that till the end of January so worked 4 long days for £90 more than I would doing 2 nights so that’s a lesson learnt not to be done again! It also means my mortgage is not getting any more OP this year so start balance was £69,700 and end of year £68,300 so not a bad first 4 months! 

I can’t wait till the 8th January to start getting paid weekly again. It’s been a hard few months money wise but I’m gonna smash it once I have my regular income again! I also got on the scales yesterday and I am disgustingly overweight so I have 27kg to lose in the new year. I’ve literally just spent £110 on the xmas food shop so there’s no point trying now. 

Wishing you all the best for xmas and the new year anyway. Hopefully there will be better things coming our way xxx

MovingForwards

Don't be deflated, the bonus is just delayed. You've done well to reduce your mortgage 🤗

Now you're back in work the weight will start to drop down.

Have a good Christmas!

bellevie

Won't be long before you see that bonus in your account, what a nice feeling to look forward to!!

I hope next year is better for you workwise, and good luck on your weight loss journey too. 

For now enjoy the celebrations 🎄🎉Merry Christmas to you all 

X

MovingForwards

Merry Christmas!

FtbDreaming

Merry Christmas to you too @MovingForwards and @bellevie xxx

FtbDreaming

Hello! Well that went fast! Glad xmas is over with now. It’s DD2 9th birthday on New Year’s Eve so I’m all ready for that now then back to work New Year’s Day. 

I actually can’t wait to get back to work now. The kids have done nothing but fight for days. We would have usually done so much over Christmas but they’ve barely left the house. I read somebody else’s thread saying they’re anxious if the schools close and I feel the same. Luckily I’m a key worker so the youngest 2 will be going anyway whether they like it or not but dd1 is off until at least the 11th upto now. 

Today DH got free food off fb. There were 15 packets of mushrooms, about 50 oranges, 6 punnets of tomatoes, 20 bunches of spring onions and some mint, spinach and coriander! Sooo I’ve spent all day chopping blanching and freezing it all! Hopefully we will use it after the effort I put in. 

I’ve also completed stage 3 of the job I was going for. It given me a massive headache and I probably failed but at least I tried. It’s a 4 stage process so if I passed the online test then I get a face to face (zoom) interview. I didn’t want to do it over xmas but the recruitment woman must be on commission and is very pushy/ good at her job. 

10 days till payday! Probably another 3 weeks until I’m back to having money. When I do I’m going to treat myself to some hair/ beauty treatments because I spend every penny on everyone else and need a little treat! 

Roll on 2021 🙂

FtbDreaming

Oooh I passed the online exam last night! I don’t know how when the house was like a scene from Fawlty towers! It was mayhem! I’ve got the final interview booked for the 12th January. If I got it I would be getting a monthly salary but still do a bit of bank Nursing for the weekly pay and to keep my clinical skills up! 

I’ve not been very MSE this weekend with it being DD2 bday tomorrow I’ve bought her a few bits for her bday and took them to a play centre today in anticipation that we are in tier 3 tomorrow so there will be nowhere to go. I will be starting afresh for new year and I’m positive we’ll be ok moneywise in a couple of weeks as I’ve done plenty of work and that bonus I’m waiting on should be around £950 pre deductions. 

Jessy103

Congrats on passing your exam! 😀

MovingForwards

Congratulations and everything is crossed for the 12th.

Happy New Year!

FtbDreaming

Happy new year 🥳 

I’ve made my first op of 2021 £66.27 bought the balance down to £68,100 so I’ll be in the £67s by 1st feb! I am still debating how to make the op. I will be making the £66 ish each month to round the balance down to the next £00 so with the direct debit that means £200 a month is coming off the balance. 

I’ve set myself 2021 MFW target of £4200 which in my head is £420 a month for 10 months then spend as I like November & December on xmas and Bdays. I am not sure how I want to do the £4200 (-£66 a month) the obsessive part of me just wants to pay it down each month to see the balance reduce but the other half of me that’s learnt from 2020 is saying put it in my ISA then when I reach £xxxx I can throw half into the mortgage and still have half as cash then keep doing it so I always have a cash reserve in case I end up up the creek again! 

Payday isn’t until next Friday anyway so I’ll keep debating it! I’m in work today. Just a late shift to start the year. I hope it’s ok but the news makes me anxious saying the hospitals are struggling... it’s true we do struggle but that’s every single winter and even stretching all year round not just because of covid! Hence me trying out for this new opportunity. I know it’ll be a different stress but hopefully not as bad as Nursing sick people on trolleys on corridors with no equipment and no support! We’ll see! X