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

slm6002

Wow it sounds exciting.  Your house wont need much more doing once kitchen and bathroom have been done so 2022 should be quiet

FtbDreaming

Haha yeah the rest of the house just needs a lick of paint so no big spends after these are done. 

My main aim is to smash the mortgage. It’s my key to independence and once the kids are bigger I just want to travel and live well with the minimum outgoings as possible but to always have a home to go to! Reap the rewards of having my kids so young lol! And make up for lost time! X

Chiglepig

Onwards and upwrads, Ftb. I wish we were as efficient at making decisions and getting things done!

MovingForwards

At least it will be done and one less thing on your list.
Good luck with your permanent role!
I honestly don't blame you for wanting to clear the mortgage, with that gone so many options are available. 

FtbDreaming

Thanks! I am a planner and doer! I feel a bit lost if I don’t have much going on lol. 

Thankyou @MovingForwards I am looking forward to it although I’m a nervous Nancy I just need to push myself through it. I’ll hopefully get to work resus more and learn to triage.. they’re my goals anyway! So exciting 😊

I’ve got a loose career path in my head. I’m 33 now. Want to be band 6 by 35, band 7 at 40 and retire or semi retire at 50... I think 24 years in the NHS will be plenty for my little body lol! 

I am very fortunate to live in such a low cost area that I can pay down the mortgage reasonably easily so I’m gonna try my best to make the most of the opportunity! Xxx

MovingForwards

We are quite similar. I deliberately purchased a cheap home as I didn't want a huge mortgage and be stuck having to earn the money needed to service it. I only borrowed 3.3x my income, this year I've doubled my overpayments and from this month I'm adding extra on top of that. I've grabbed a temporary opportunity of extra money for a while and I'm on schedule to only clear the mortgage in 9 years time, then I can work PT and have a true work / life balance. 

FtbDreaming

Oh fabulous @MovingForwards thats great that you’re onto paying down the mortgage now because you was saving the emergency fund first wasn't you! Mine is halfway there now and will hit £1000 by xmas. Both the accounts all that my EF goes into will lose the benefits if I withdraw so it’ll probably stay untouched as long as possible and increase by £1000 a year with no effort whatsoever. Xxx

MovingForwards

Originally I was just rounding it up, then up a bit higher, then to £100 while playing catch-up for the months I didn't pay that much. Got my mortgage statement and decided to pay £200 extra, had a temporary change of finance and I'm paying £300pm from this month, and a one off lump-sum, until my wages go back down to normal.

I'm still saving my EF, saving for various other things and aim for £5k a year but am happy if I get about £4k saved.  Also pay into a SIPP. 

I left my diary in this section after a few posts and reverted back to my saving one as it felt the right place for me.

A lot really does change in a year!

FtbDreaming

Fabulous! It sounds like you’re making great progress in all directions. Life changes so much all the time... that’s why my plans are always ‘loose’ lol as I never really know what’s around the corner x

FtbDreaming

hiii.... my anxiety is at 100000 today. I start work permanently tomorrow. I don’t know why I’m anxious. It’s the same job I’ve been doing for 4 years. 

I don’t know my off duty for next week and I’m usually planned 6 weeks ahead so that’s also stressing me out. My bathroom stuff is getting delivered Thursday or Friday... if it’s Friday I’m working 🤯🤦🏼‍♀️ I would usually have cancelled the shift but now I’m stuck. I’m just feeling a little overwhelmed. I know I’ll be better once I have more off duty. 

I don’t know what’s wrong with the dog but she keeps vomiting but is still eating. The house stinks of dog sick. Keep finding it everywhere including ds bed.

nothing mse going on as I don’t know my permanent shifts in order to slot in my bank shifts so I need to live on skeleton cash until I am in a flow with both. 

 

On a positive note my Nan got the all clear from the skin cancer 😁