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Eating a Vegetarian Elephant
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Well, the end of the month has rather snuck up on me!Regular OP (£444) went out today with the minimum mortgage payment, so we are now at:Mortgage: £120399.58OP Reserve:£10019.60Nationwide add interest daily, so that will have gone up by the end of the month (
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SIPP regular payment is also today and will be invested by the end of the week. So far this month the investment growth is only just up, but the first tax relief payment went in, so all good.S&S ISA regular payment goes in on Monday.I'm back to work today, lots of prep to do for the new academic year, and decisions to make about my contract.2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,8565 -
Oh, forgot to say I had a £5 survey on Populus yesterday, so only £5 more and I can cash out2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,8565
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Ah lovely pup pic, and just whiled away some time reading your diary.
Hope your day of work goes well, including contract decisions!Emergency fund 13.5k Home/ holiday fund 6.5k Mortgage £45,614- MFW 2022 #35 10,000
- MFW 2023 #3 10358.97
- MFW 2024 #3 10000
- MFW 2025 #3 6945.69/10000
- MFW 2024 #3 10000
- MFW 2023 #3 10358.97
4 - MFW 2022 #35 10,000
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Thank you @smetf,I think I need more phone storage for the puppy pics!In work news,I'll be on a 0.9 contract for the next 12 months - one afternoon a week off! But at least I'll be doing 100% of the work for 90% of the money not 80% (and pension).2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,8567
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Urgh, still annoying though 🙄 did you have any choice??3
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Cheery_Daff said:Urgh, still annoying though 🙄 did you have any choice??@Cheery_Daff , the choice was take 0.2 VS now or give it a year and see (again). Our programme maintained last years recruitment (unlike lots of the faculty), but they wanted us to raise it - at least the extension seems to mean they realise there was nothing we could realistically do last AY.Another £3 in the Populus pot, only £2 to go
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2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,8563 -
July has been a VERY spendy month, between the Pup, the bill for car repairs Mr C's birthday, and generally just being out and about more, but August is nose to the grindstone prep for the new academic year, so should be more MSE - and I've chosen the 'defer the decision' option for my contract, ultimately, this year has more oportunities to develop the degree and improve recruitment, and if it doesn't I'm ok with the reduction.Jobs for August (so far):Insurance for the PupFind better (cheaper) renewal for house and contents insuranceCancel gym membership (I've actually already applied to do that)Arrange service for gas boiler and fireGet on with plans for Project Bedroom (think we want to completely rearrange the space which might need architect's drawings - we certainly need someone to help us to visualise how the space could be better used)Prune out the oldest growth on the rambling roses (not going to be my favourite job
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And of course, wait for Agent Million to callHappy Friday everyone.2014 starting mortgage £165,0002015 second charge £20,000 - Jan 2021 paid off in fullCurrent outstanding balance - £115,8566 -
Funnily enough, the last one is on my list as well! 😂Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days
'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway3 -
Ooh, yes, it's nearly that time again! 😂😂
Lots of exciting plans for August there!3
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