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Must try harder!
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Waves to all of my friends 👋.I had a horrid time where I was being offered ‘voluntary’ redundancy in a very forceful manner. It took months of fighting and some union involvement before I managed to keep my position. It was all down to the business wanting to stop people from working from home, but the central offices are hundreds of miles away. Terrible how they can make these decisions without any thought to the quality of your work (which I was assured was not in question). Anyhow it’s sorted, but with a yearly review, which is worrisome. The voluntary redundancy was a yrs wage, which wouldn’t cover the mortgage and would leave me in a precarious location and at a difficult age (female and early fifties) to find anything comparable. I spent a good few months on high stress alert and instead of making me save harder, it just sent me into a frittering tailspin. I even took some out of me pb’s to even things out and have nothing to show for it!So here I am, back again, feeling a bit better and determined to a.) Pay back the pb’s and b.) Get my savings mojo back. It’s not dreadful, I still have no debt apart from the mortgage, I still have some savings, but not as much as I did, but it’s not great. Hopefully by March I will be back to where I was, with 2 good months of sensibleness (new word?).
I realised today how much I missed you all and have been catching up on all the news.
I have so much Christmas chocolate left and a new toy (sistaco nail powders), so really should not need to spend in February.I have been entertaining myself with sending £5 a day to savings…..for the last 4 days after I pulled myself together a bit. I’m trying to get that spending hit from buying myself a ‘savings’ 😬
How are you all? I hope you all had fabulous Christmases?Please tell me all of your news ⭐️Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p15 -
Oh WW you have had a rough time 😢 So lovely to see you back though! 😊👏
Fwiw, I think I would be updating my CV and looking around for what options there are around me, making myself visible to recruiters etc. If my employer had behaved like that I doubt I would ever trust them again ….
I’m intrigued by the nail powders … 🤔 Are they like nail enamelling?A good Christmas was had here - trying really hard to hang onto the calm peace of mind state I got to over that time … 😉
KKAs at 15.07.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
- OPs to mortgage = £11,816 Interest saved £5,28 to date
Fixed rate 3.85% ends January 2030
Read 40 books of target 52 in 2025, as @ 29th July
Produce tracker: £243 of £300 in 2025
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.3 -
Oh so lovely to have you back!My contract has ended but positively. I am thoroughly enjoying no work commitments but I will have to back at some pointMy mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo2 -
Oh welcome back 😊. What an awful time you've had - don't blame you for falling off the frugal wagon! Hot gossip from Elisheba Cottage is that I had a house move thrust upon me, but it has worked out wonderfully and I am now in a lovely, cosy house in rural Wales 😁.Live the good life where you have been planted.
Fashion on the Ration Challenge 2022 - 15 carried over. Fashion on the Ration Challenge 2023 - 6 carried over. Fashion on the Ration Challenge 2024 - oops! My Frugal, Thrifty Moneysaving Diary4 -
So good to see you back, well done for getting through a torrid time, onwards and upwards from here!
We got our planning permission but have no idea how long it'll take to get the consents fulfilled and signed off, then the building work will take minimum two years, so I'm wavering madly between putting any pennies I can find in the flat pot, and being miserable about not having my own home and thinking nothing good is ever going to happen.
But I don't have a job so they can't make me redundant *genius level thinking here* 😎😂3 -
Lovely to have you back xx2
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Welcome back! Lovely to 'see' you again
Sorry to hear about the work dramas, what a nightmreGlad you got through it for now.
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee2 -
Welcome back 🙂 Sorry things have been tough with work. My workplace is cracking the whip about being back in the office but we’re still allowed 2 days WFH. I hope it works out in the end or you can find something else.Really good to have you back though we’ve missed you.I get knocked down but I get up again (Chumbawamba, Tubthumping)2
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How lovely you all are ❤️
@KajiKita I have been on linked in, which I never bothered with before and finished an accreditation course. The trust has indeed gone and I am left with a slightly bitter feeling of never planning to work through being sick again. the nail powders are a bit like gel, you put a base coat on and set with uv light, then rub the powder on (different ways for different finishes) and add a top coat and set again. They are very holographic or sparkly, which is nice. I’m still getting to grips with it, but they are lasting longer and I’m getting tidier. I’m not carried away with the removal process and find peeling it off is kinder!@redofromstart how lovely to have time off. I won’t lie, I’d have loved an early retirement if I could have got away with it 🤭
@Elisheba how wonderful. Congratulations on your Welsh cottage. I’m not following you on Instagram am I?@PennysIntoPounds planning permission is a tricky step, so well done you. Imagine the feeling of accomplishment when it’s all done. Amazing!@Four_Seasons thank you. I’m glad to see you again 😁
@jwil you are on the next page…I need to post and then come back so I don’t lose this 🤭ok, I’m back. Thank you. It’s lovely to see you too.
@Sun_Addict it’s so mean when we can clearly work from anywhere. I would have loved to go to a local office some days. I’m very grateful I managed to navigate a way around it, but also left with a bad taste about it all 😪Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p14 -
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