The second hurdle - Nichelette v the huge mortgage

South_coast

Sending hugs your way 🩷

Nichelette

Will preface this by saying I'm an arsenal supporter and currently gutted. This reminds me of when we went out of the champions league in 2001. I was 15 and went to bed early without talking to anyone. Currently feel like hormones are on opposite side now but still fighting me 😂 .

FIL has by some miracle pulled through but won't answer DH calls. I can only say it's a complex relationship. Can't imagine treating my own child like that, but I know sone families are that way...

This month has been pretty atrocious financially. DH's birthday is right before father's day so double whammy. We've also had fuel to Scotland and we've found a holiday club DS1 loves but obviously we had to pay for that.

Usual 1.1k in nursery fund and 500 in moving fund. If we keep this up by Decemberish we should have covered remaining nursery fees for DS2 (who will leave around August next year).

Job wise have found myself in a slightly bizarre situation where they will promote me without interview because my job is going and they want to keep me. Not the best time to be entering the job market so I know I should be grateful.

By luck work are honoring whatever bank holiday Scotland are having on 15th (payroll is there) so we are being paid early on 12th which is welcome 😅.

On a personal level pretty sure my body has had it. Was out at 6.50 this morning to post my vinted parcels 🙃. I do love the quiet to be honest. It solidified how much I love our little village and want to stay here. When we are finally in a position to go I might be slightly different and see if anyone on our local Facebook page is looking to move. The sell then look for something isn't the best here as supply is limited, but I'm hoping I can maybe pull at someone's heart strings 🥹

Nichelette

Bit of a laugh... after taking most of our cash out of premium bonds having not won for months we've now won both months since 😂. I forgot to check yesterday but we've just got an email. Assumed it was £25 but was actually £100! Also need to update mortgage figure as that went on 1st.

Nichelette

I was just updating my mortgage spreadsheet. Thought I'd share it as I don't think I have before. It records every OP I've ever made (quite sad 😂). Each remortgage has it's own tab. The daily interest is actually more than it was when we first took it out and owed over 100k 🫠

Linky

Nichelette

Just received my car tax bill (£200/year for my 1l). Woop 😂. That will probably end up eating up whatever surplus we have this month.

Have put in an application for the job I'm being pushed towards as they asked me to do so to make interest known but still not 100%.

Once we're out of consultation period and they confirm my job has gone I'm going to look at other options too, but I don't want to jump the gun as still want redundancy money if I'm going.

The person I'm closest to in my team (we're very similar in how we think and attitude/what we enjoy) who I've worked with for over 10 years has got a new job. I know we're being separated anyway but I was a bit teary when she told me (selfishly, I'm really happy for her just sad for myself!). Attempted to refuse her resignation (jokingly 😅).

Have Friday off as DH birthday. Hopefully weather won't be too bad! Am on my lunch break now. Really need to wrap his presents but also don't want to!

Nichelette

Another post to acknowledge I'm still alive 😅.

Have been feeling very burnt out lately and struggling with being exhausted constantly hence no update.

Money wise when mortgage goes I think we're in the 170's so another milestone. If we're shy will OP a bit to get us in the bracket.

We've got over 7k in moving fund now so making good strides on stamp duty payment.

This month has been hard financially but have also had to buy another (cheap) TV as 3 year old accidentally smashed screen 🤦🏻‍♀️. Also had DH car tax (£200) and have spent a small fortune getting to and from Scotland multiple times plus £270 on a premier inn for 2 nights, plus took kids away for weekend so more spending there.

Life wise I have zero chance of redundancy now as they have another job of same grade so if I go it will be of my own accord with no money. They don't seem to have truly appreciated the depth of the work my team do and keep chucking more and more businesses analysts at it. Am finding it incredibly draining with all the meetings and constantly explaining what we do again and again. This is all quite recent and I've been on leave for the last week so will see what it entails when I'm back. Have also said to manager I report to that I'm exhausted and considering leaving. I've withdraw from other job they were pushing me towards for various reasons. It might be possible to have some time off to compose myself (maybe 6 weeks?) before starting this new job if I do like idea of it. To be honest at the moment I feel like if I do that will just be means to get moved then leave but will see.

Not sure if I've ever mentioned about it on here, but DS1 was diagnosed as autistic literally the day after they broke from school. He sits somewhere in the middle. There are much harder children than him, but it makes me feel vindicated in feeling things have been tough with him (and then DS2 having awful colic and being glued to me but constantly crying for his first 18ish months).

FIL passed on 9th August. Everything happened very quickly as he was given 6-12 months in May. He was constantly in and out of hospital so obviously DH was away a lot. At one point he was back for one full day and had to go up again so I had the kids alone for nearly 2 weeks whilst trying to work which was draining in itself. Obviously I understand but I was still shattered. DH is improving now but understandably got really run down and unwell himself so have been looking after him too. He had a direct cremation as didn't want a funeral but we went to see him and unfortunately were only back for 2 nights before we took kids away for weekend (was booked months ago just bad timing as we were both shattered but didn't want to disappoint kids by not going). I finally feel like we're on a bit more of an even keel now.

I haven't put anything in nursery account this month because of all the extra expense so that has put us back a month, but fortunately I had extra in there from saving more previously so we had a buffer I could use to pay for this months bill.

Anyway, onwards...

debtfreewannabe321

So sorry for your loss in the family 🙏🏻.

DH has been through the analysts coming in to his business and remodeling everything and everyone's roles. He ended up with a pay rise and a new job in the business and a slightly more responsible role which were grateful for as chance of any redundancy would have been so small as he was new....but he's not loving this role like he did his last one 😏. Have you looked to apply anywhere else, perhaps it could be time to branch out rather than taking something there that you won't love.

Well done on the house move savings 👏🏻.

Nichelette

Thank you @debtfreewannabe321 . It seems like everywhere is the same at the moment. Job market isn't great. They're actually trying to poach DH to fill the position his old manager is leaving soon. Would be more money but it's horrendous and not worth it for him 🙃. I think they're going to struggle like hell to fill that tbh.

I've been back half a day and already busy and lots of stress. No surprise really. I would definitely consider elsewhere but prettymuch guaranteed it would be a significant pay cut so biding my time for slightly longer as it's on a deadline anyway.

In good news just realised we've nearly hit 60k in OP's! I OP'd £150 this morning to get us into 170 bracket 🥳

South_coast

That's an incredible amount of OP's 👍!

Nichelette

So went into the office for the first time in ages yesterday (been off or at home for ages as had to do all drops and picks for kids whilst DH was in Scotland). Spoke to friend and union person about this other job. Looks like it's more reporting and looking at processes. Doesn't seem to involve having a team reporting to me or dealing with customers (don't dislike people just a bit peopled out atm and want a break from it). Because I'd not have a team I might be able to look at compressing days maybe then having a Wednesday off to catch up with bits/free for appointments and errands. Am keeping options open.

Definitely not looking to move until job situation known, but I love this house 🥹 https://www.rightmove.co.uk/properties/92430969

Forgot to say we've had 4% pay rise which isn't bad compared to what some are getting. That's backdated to April and in September pay so will get a little extra in that. Thinking actually, because it has taken so long might be nearly 1k after tax as nearly 6 months worth and it's both of us (we work for same company). Will see. Would be welcome after this month!