The Next Phase

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  • beanielou
    beanielou Posts: 90,176 Ambassador
    Academoney Grad I'm a Volunteer Ambassador Mortgage-free Glee! Name Dropper
    Be better soon.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • milann
    milann Posts: 10,569 Forumite
    First Post Name Dropper First Anniversary Combo Breaker
    Hope you feel better soon. Don’t go rushing back……they’ll manage 👍
    January spends - £587.58
  • Sunshine_girl2
    Sunshine_girl2 Posts: 2,727 Forumite
    First Anniversary First Post Name Dropper Photogenic
    Going part time looks as though I may benefit from the National insurance threshold .
    I still feel awful and am looking for another early night . 
    Debt free April 26th 2021

  • doingitanyway
    doingitanyway Posts: 8,729 Forumite
    First Anniversary Name Dropper First Post Mortgage-free Glee!
    Hope NI works out once you have the detail.
    Wishing you better.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.

    Solicitor/survey savings 300/1700
    Emergency fund 0/1000
    Buffer fund 0/200
  • EssexHebridean
    EssexHebridean Posts: 21,349 Forumite
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    Oh SG2 I'm sorry to hear it's got you - fingers crossed you're feeling better today. 

    As a part-timer myself I should feel the benefit of the NI change too I hope - at least it'll wipe out the extra I was going to be paying! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00
    Balance as at 31/12/23 = £112,000.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • badmemory
    badmemory Posts: 7,734 Forumite
    First Anniversary Name Dropper First Post
    Just watch out for the changes to the LEL if there are any.  As he didn't say either yes or no I'm guessing there may be & he's just hoping no-one will notice they are not going to be credited for their SP.
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