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A new royal start

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  • Jessy103
    Jessy103 Posts: 2,246 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Woohoo!! 🎉🍾🎊
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • CCW007
    CCW007 Posts: 1,090 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper
    I bet that felt good, I'm feeling relieved on your behalf!
  • QueenJess
    QueenJess Posts: 4,505 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    A day off today, although I am definitely in wind down mode at work given that the massive workload is naturally finishing this week anyway.  Still glad of a day off though as been up most the night for a couple of nights with DD's teeth coming through (every time she is teething she has a couple of nights of very high temperatures and needs to be medicated to keep it under control).  She was writhing in her sleep and shouted out "I want the carrots".  The mind boggles :D
    On Sunday we went out to a Xmas carnival thing, which was really fun and the kids found some tat to buy in the charity shops with their money and got a couple of free balloons to play with.  We also found a massive 45L+ plastic box of magna-tiles for £12.99 and after deliberating decided to get it with DD's money (pocket money from relatives... we don't give her anything yet).  When they got home, they both played with them for 4 hours without a peep out of them and no fighting because there are so many bits.  Normally they only last 10 mins, so this was amazing.  I didn't know what to do with myself!  Definitely the best buy ever and a total bargain anyway as they are usually expensive.
    Going through lots of admin for the new job and waiting for old job to come back and see if they will let me out early.  I also need to figure out based on that what holiday I should take and when.  It's been kept quiet at the moment whilst the boss panics and is trying to decide what to do.
    Tired today, but did stock up on some food now the freezer has been defrosted and looks ridiculous - it's a chest freezer and had 1 small bag of chips and a pot of soup in it.  I managed to spend £140 on the food shop, although I did stock up on a few bits given I do not intend to do food shopping over the Xmas period if I don't need to.  Even so, it was hideously expensive and I thought I was quite restrained :#.  I think I will do more stocking up with my shopping vouchers.  Must be time for a bargain hunt around M&S again (in my local store, Thursday am is the best discount time and you can often pick up meat and fish discounted for the freezer).  I will get the food shop spending under control (I am getting a bit better), but I may just track it and tackle it fully in Jan now as I have a big list of other things I need to get done as well.  Using up the freezer has at least made me realise how much food we actually get through and so I don't overstock as much as I used to.  Small steps..
    Today I made some bread with a different recipe (the one of the back of the packet of flour).  It looks ok, but I am not that convinced.  I think I will go back to my trusty Paul Hollywood book recipes as my bread is always really good with that book.  I also have a pear and chocolate cake in the oven for dessert later.  Lunch today was a pot of courgette soup (from the empty freezer) with some homemade bread.  Dinner will be pizza.  DS will have boring cheese and tomato.  DH and I will have red onion, goats cheese (made round the corner from us!), roasted butternut squash, roasted leek and red pepper pizza.  I already roasted the veg earlier when I needed the oven on for the bread and the cake.
    As I was paid yesterday I transferred some cash to my savings account.  I'm just waiting a couple of weeks until my regular saver matures and I can finish my savings target and start diverting any spare cash into the mortgage.  Plan at the moment is to get it down as much as possible in the next couple of years and then I will reassess.  At this time DD will be going to school (so no nursery fees!) and I hope I can get it paid off quite quickly after that (or at least have minimal monthly payments) so I can save for house projects and start thinking about going on some nice holidays.  I will also think about increasing pension payments.  I currently pay a bit above the amount I need to put in to get the maximum employer contribution and will leave it to tick along like that for a couple of years.
    Right, going back to put my feet up before I need to pick up DS to get to swimming where I fully intend to stare into space for a while as I'm knackered.  This Friday I will definitely be celebrating with a glass of gin and tonic!
    2025 decluttering: 3,958🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
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    Big kitchen declutter challenge 112/150
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  • QueenJess
    QueenJess Posts: 4,505 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    This is hilarious... so now I've resigned at work (although no one knows yet), they are totally panicking.  It's gone to the top of the company and they are going to offer me 100% remote working and a bonus to stay :D  Too little, too late.... I have a better job and I did warn them I was going to leave over the whole going into the office thing and they did nothing!  If they offered it before I looked, then I may have accepted.  Not now...
    Anyway, apparently I can relax today as it's the end of a big project and log off early, so I shall catch up on some unexciting household things.  Beds have been stripped already and the first load of washing is in.   I plan to make banana drop scones for breakfast at the weekend, with a big pile to go into the lovely clean and cavernous freezer!
    Lunch will be the egg and spicy roasted sprout dish I make every year when sprouts are in season.  Dinner is um.... probably a slow cooker stew to relieve the fridge of a big pile of veg and I will add lentils, beans and then do a few veggie sausages for DS and DH so no one notices there is no "meat".
    I also need to re-pot two aloe vera plants; I got one free from Buy Nothing, nursed it back to health and it's had two babies!  I will put one in DD's room and will give the other one to a neighbour who gave me an extra houseplant ages ago.  Weekend plans are tbd.  Joint account funds look sad once I take account of nursery fees and mortgage.  Will be updating my actual vs budget soon and will continue tracking in December to see if I can get the joint account into better shape before the mortgage costs increase early next year.
    2025 decluttering: 3,958🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
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    Big kitchen declutter challenge 112/150
    2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
  • TallGirl
    TallGirl Posts: 6,224 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    That is just so typical of work isn’t it! Glad you’re sticking with the new job and now you can definitely work from home for the rest of the time. Are they letting you go early? 
    Save £12k in 25 No 49
    PB Win 21 £225, 22 £275, 23 £900, 24 £750 Balance Dec 25 £32.7K  
    Plan to move to Denmark for FIRE by Autumn 2025 “May your decisions reflect your hopes not your fears”
    New diary aiming for fire https://forums.moneysavingexpert.com/discussion/6414795/mortgage-free-now-aiming-for-fire#latest

  • QueenJess
    QueenJess Posts: 4,505 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    TallGirl said:
    That is just so typical of work isn’t it! Glad you’re sticking with the new job and now you can definitely work from home for the rest of the time. Are they letting you go early? 
    Well I have to wait for the official offer on Monday so I can officially decline. Then they need to consider again when I can leave. All takes time 🙄
    2025 decluttering: 3,958🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
    2025 use up challenge: 338🥉🥈🥇💎🏆
    Big kitchen declutter challenge 112/150
    2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
  • QueenJess
    QueenJess Posts: 4,505 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    The mortgage payment comes out today and so I rounded it down by £147 and the odd pence.  Down to £140k owed now.  Just a waiting game for my regular saver to finish this month for more cash and equally at work I'm just waiting for a call with my manager/this offer so I can try and get on with actually leaving. I hate waiting for stuff..

    2025 decluttering: 3,958🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
    2025 use up challenge: 338🥉🥈🥇💎🏆
    Big kitchen declutter challenge 112/150
    2025 decluttering goals I Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 500
  • South_coast
    South_coast Posts: 5,885 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I hope they are going to count the start of your notice period as the date you told them you were going, rather than the date you decline their counter-offer?
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • edinburgher
    edinburgher Posts: 13,884 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I think that a few of us are living vicariously through your current experiences @QueenJess. At the risk of making it about me, isn't it amazing how all the crap bosses and wannabe Alan Sugars are unwilling to use the levers that are reasonably within their control to make the lives of "valued employees" that wee bit more workable until they receive a resignation letter? ;)
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