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Dipping my orange toes into the water..

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Comments

  • Congratulations on the job!
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgage of £68000
    October 2024 mortgage of £65000
    February 2025 mortgage of £63000
    March 2025 mortgage of £45000 and interest of £6.07 per day
  • @AgathaSquirrel thank you! 
    It will mean a small increase in income but I need to try and negotiate and see if I can make it slightly more, especially since our pay was frozen at my school this year. Teachers salaries are nothing like some professions but I am really excited to have a leadership role.
    Half term still and a rainy day. I would usually spend a fortune entertaining the kids so covid is saving me money! We are aiming to do a 5k ride/ walk each day and we will probably do some baking.
    It's only 8am and they have already had breakfast, played doctors, organised a disco and they are now trying to make a bug hotel.. wish me luck! 

  • Good luck with the negotiations- I didn’t realise that was something you could do in teaching. I thought wages were set.
    Half-term here too. One pre-teen has risen, the other is still asleep. We’re meeting my dad for a walk this morning so I’m enjoying a coffee in peace and quiet, listening to the birds and watching the squirrels in the garden before I need to wake pre-teen 2 and chaos commences.
    2017 - mortgage of £140,000 and interest rate of £10 a day
    Feb 2021 mortgage of £103000
    May 2021 mortgage of £100000
    July 2021 mortgage of £97000
    November 2021 mortgage of £93000
    July 2022 mortgage of £84000
    December 2022 mortgage of £79000
    December 2023 mortgage of £73000
    March 2024 mortgage of £70000
    May 2024 mortgage of £68000
    October 2024 mortgage of £65000
    February 2025 mortgage of £63000
    March 2025 mortgage of £45000 and interest of £6.07 per day
  • That sounds like a great start to the day @AgathaSquirrel! Enjoy!
    The wages are set but I think I have a case for moving to the senior leadership pay scale rather than staying on the main teachers scale, we will see! 
    Enjoy your walk. 
  • So ten more days of February. Have around £700 in the account. Going to budget £300 for the last ten days. Then I can put £200 into saving and put an extra £200 onto the overpayment making it £1000 overpayment....
    Hoping I can stick to that and that they aren't any expenses I have forgotten!!
    Have a good day everyone!
  • caeler
    caeler Posts: 2,638 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    I'm hoping to do the same @Orangetoes I'm expecting a surplus of £200 based on what I think I need to spend between now and the end of the month so the mortgage fund will be happy!
  • @caeler woop woop! Great stuff. Happy mortgage fund, happy you! 
  • So good and bad. The bad my card details had expired for my T*sco delivery so I went to update them for my 6 month plan. However the only way to do it was to pay for the next 6 months. Usually I use clubcard vouchers but this was not allowed (I phoned and checked!). So annoying as there is not much to spend club card vouchers on at the moment.
    The good I negotiated a very very small pay rise when I start my new role in September! 
  • Congratulations on the new job @Orangetoes
    New to all this!
    Mortgage balance 01/01/21 £181,400. Scheduled repayment date Aug 2036. 
    Target savings to overpay in 2021 £12,000
    Progress to date  £7105/£12,000 
  • Congrats on the new job OT and well done for negotiating the small pay increase, it’s something I’ve never done (public sector), I kicked myself in my old job- went from top of one scale to bottom of the next and was £30a month better off with loads more stress! 
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £2,850/£5,000


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