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

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Comments

  • frankersBri
    frankersBri Posts: 248 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    Congratulations on the new job, and the progress on the mortgage and everything else you're doing! Well done!!
  • FtbDreaming
    FtbDreaming Posts: 1,127 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Thanks everyone!! I’m regretting it today lol. The new system is as bad as I expected. It’s slowed everything down so so much the waiting time was 16 hours in a&e this morning... 🤯🤯🤯

    once all the teething problems are over I think it’ll be ok. It’s just a learning curve for thousands of staff all at once but I suppose we had to move with the times at some point. I’ll get a bit more practice in tomorrow lol. And at least I’m earning money instead of spending! I’ll be booking holidays the minute I’m entitled 😂😂😂

    aww well moan moan moan... at least I’ve been earning money instead of spending 🙂 xxx


    Mortgage started August 2020 £69,700
    Mortgage ends Aug 2050 MFW: Aug 2027 
    Current Balance: £58,678
    MFW2020 #156 £723.13
    MFW2021 #26 £1184.71
    MFW2022 #11 £197.87
    MFW2023 £785
    MFW 2024 £528.15

    Determined to make it! 
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    I have two cards that I would transfer between once the 0% ended but you need to disciplined
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • MovingForwards
    MovingForwards Posts: 17,156 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    Work will get easier as you settle in to the new way. Nothing wrong with being excited about a title, it's a great achievement.
    Keep window shopping, when your kitchen is replaced you'll know what shops to pick your items up from.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • Chiglepig
    Chiglepig Posts: 613 Forumite
    Fourth Anniversary 500 Posts Photogenic Name Dropper
    Of course you're not sad - it's what you trained for, and it's not something just anyone can do.
    2014 starting mortgage £165,000
    2015 second charge £20,000 - Jan 2021 paid off in full
    Current outstanding balance - £115,856



  • Porridgecat
    Porridgecat Posts: 311 Forumite
    Third Anniversary 100 Posts Name Dropper Photogenic
    Never think its sad to be proud of your achievements.
    Mortgage Free 23 December 2020
    Savings £9671 / £20 000 goal
    Emergency Fund £216 / £1000 goal
  • FtbDreaming
    FtbDreaming Posts: 1,127 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Aww thankyou all!! I was on break yesterday and one of the managers came in and asked me to put in some holiday requests ASAP!!! I don’t even know where to start! I’ve had so many years of no holidays I’m going to be spoilt lol! 

    Im back in today earning pennies.. this is my last shift as a bank nurse 😊😊 

    my daughter has had her holy communion rescheduled from June to 17th September so I officially have my first party to throw in the new kitchen too! It’ll be cutting it very fine but fingers crossed! I do everything under pressure anyway lol x
    Mortgage started August 2020 £69,700
    Mortgage ends Aug 2050 MFW: Aug 2027 
    Current Balance: £58,678
    MFW2020 #156 £723.13
    MFW2021 #26 £1184.71
    MFW2022 #11 £197.87
    MFW2023 £785
    MFW 2024 £528.15

    Determined to make it! 
  • Enjoy booking the holiday leave!

    Good news on DDs holy communion, gosh i remember mine all those years ago! Be nice to have an event to be able to put the new kitchen to good use!
    Current mortgage (1 Jun 2022): £289,501 - originally £351,999 got to love London sized mortgages!
    OP Goal 2022 = 3.75% in OPs: £6,975 / £13,200
    Emergency Fund Target: 3 months saved ✅
     
  • FtbDreaming
    FtbDreaming Posts: 1,127 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    I had a moment of madness yesterday and have purchased a new shower, sink, radiator and tiles for the bathroom!!  

    After mulling it over and hearing of other people experiences of ruining new kitchens with bathroom leaks because they’d left it until afterwards I decided it’s got to be done first. 

    It’s all ordered now anyway. £300 deposit then £50 a month interest free for 24 months. Im gonna cover the payments by paying my car insurance annually in advance so then the bathroom will replace that direct debit (and still be £21 a month less than I’m paying now). 

    I start work on Tuesday in my permanent role. Tuesday and Friday she’s put me in. I might do a little late Thursday on the bank but I’ll see how I feel. I don’t have a dispatch email for the bathroom stuff yet so if that’s here I’ll be just doing my basic hours whilst we get that fitted. It’s gonna be a diy job as I just don’t have the money to pay trades for everything and dp is competent at plumbing and tiling. It said delivery in 2-10 working days so we won’t do anything until it’s on it’s way. 

    Somebody please remind me in 2022 that I am not doing anymore work in the house for the year lol! 
    Mortgage started August 2020 £69,700
    Mortgage ends Aug 2050 MFW: Aug 2027 
    Current Balance: £58,678
    MFW2020 #156 £723.13
    MFW2021 #26 £1184.71
    MFW2022 #11 £197.87
    MFW2023 £785
    MFW 2024 £528.15

    Determined to make it! 
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