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Learning to walk before I run
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Sounds like they were holding back on the rejection just in case their candidate rejected them and they wanted to make you an offer. The dishonesty - or disorganisation - isn't a good sign though.Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
Current mortgage amount: £226,957.97
Start student loan 2012: £29,750; current student loan: CLEARED July 20257 -
Commiserations on not getting the job but nice attitude from you there withdrawing the second application.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!6 -
Thank you @Watty1 - it felt (and feels) like the thing to doHaving a nice quiet weekend so far. Did an hour of overtime this morning, had some yummy smoked salmon and poached eggs for breakfast, 3 loads of laundry processed so far and dinner in the SC (beef stew). DD1 is going to a wee Lego building club with a pal and said pal is coming over afterwards for a playdate. Other than that, not much planned today.£5.56 paid into my LISA (1/2 cashback, 1/2 virement), £4.18 paid into my ISA (personal spends), Chase round up pot (5% interest) matured after a year and was moved to Zopa instant access (c. £260). I'm still a fan of Chase and like Zopa as a savings bank more than I did as a P2P platform.Happy weekend all.6
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Managed to be 1/2 an hour late for my exercise class this morning
Still, managed 20 minutes of fairly low octane hill runs.
£5.64 paid into LISA but not invested (Dodl having a wobble), predominantly virement, signature updated. Less than 10 days 'til my 13th wageOff to inlaws for Sunday lunch this afternoon, other than that just cleaning the aquarium, hoovering and family stuff5 -
Merlin's_Beard said:Sounds like they were holding back on the rejection just in case their candidate rejected them and they wanted to make you an offer. The dishonesty - or disorganisation - isn't a good sign though.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/255 -
Ooh so jealous… eggs and salmon is my no. 1 favourite breakfast!2025 decluttering: 3,452🌟🥉🌟💐🏅🏅🌟🥈🏅🌟🏅💐💎🌟🏅🏆🌟🏅
2025 use up challenge: 289🥉🥈🥇💎🏆
Big kitchen declutter challenge 78/150
2025 decluttering goals Use up Challenge: 🥉365 🥈750 🥇1,000 💎2,000 🏆 3,000 👑 8,000 I 🥉12 🥈26 🥇52 💎 100 🏆 250 👑 5006 -
When I was recruiting, I always stated there would be a reserve list, and with determined candidates applying for multiple roles I often deployed it. I agree that sending a **** email is poor form. Are you sure you are not cutting off your nose to spite your face? HR department is not necessarily indicative of management but may dictate their **** process.Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
My new diary is here6 -
Suffolk_lass said:When I was recruiting, I always stated there would be a reserve list, and with determined candidates applying for multiple roles I often deployed it. I agree that sending a **** email is poor form. Are you sure you are not cutting off your nose to spite your face? HR department is not necessarily indicative of management but may dictate their **** process.@Suffolk_lass - I thought about whether I was doing that but I think I was respecting myself and sticking up for people sick of crap recruiting in general. I haven't subsequently regretted my decision, not even for a moment
In any case, I will realistically earn a little over £50k in my current role this year, even if I'm finding it hard going. It wasn't worth dropping to £42k (no guarantee of salary match with an extra 2.5 hours a week to work).
We are bumbling along happily, I haven't been posting as much as I've been doing some extra daddy daughter days, I've been trying to clear some overdue work that I've let build up in my day job and because I'm zonked from being back at my exercise classes. For example, woke up at 05:19 yest, heavy strength training class at 06:15, day looking after DD2 (including a 2 hour walk in the ******* rain), DD2 school drop off and collection, DD2 swimming lessons and housework)! 27k+ steps and a lot of calories burned
I've also got housework to do today but it will be a lot more gentle. This morning I have cleaned the drains with a strong solution of soda crystals, cleaned the tumble dryer filter and cleaned the cat water fountain. Yesterday I cleaned the extractor fan filters, the washing machine and the dishwasher.Mrs E got paid yesterday and we are mere days away from my 2 salary monthI did a bit of financial jiggling this morning:
- £300 paid into FD RS @ 7% - we have been thinking about houses again recently and don't feel our current home has enough living space for 4 grown adults. As such, we'd consider moving if the right house came along. Realistically that could be £400k, so we need a lot more cash on hand. I've started paying my Prolific earnings, cashback and savings interest into a "New Home" pot on Zopa and we've committed to putting aside at least £600/month. If nothing else, it will serve as an emergency fund if needed. No specific plans, just an awareness that investing for the future is great but there's a lot of present to get through first. The downside to this is that Mrs E has put her pension down to just the 6% matched amount for now
- £45 paid into ISA for DD1
- £29 paid into ISA for DD2
- £25.55 paid into my ISA (£5/week for May + a few pennies to round up, all taken from my personal spends account)
- £5.36 paid into New Home pot on Zopa (odds and sods)
As well as that, I've transferred back Mrs E's May pocket money and money for her income protection insurance and mobile phone contract.Looking forward to a relaxing start to the long weekend (not back 'til Wednesday).
6 - £300 paid into FD RS @ 7% - we have been thinking about houses again recently and don't feel our current home has enough living space for 4 grown adults. As such, we'd consider moving if the right house came along. Realistically that could be £400k, so we need a lot more cash on hand. I've started paying my Prolific earnings, cashback and savings interest into a "New Home" pot on Zopa and we've committed to putting aside at least £600/month. If nothing else, it will serve as an emergency fund if needed. No specific plans, just an awareness that investing for the future is great but there's a lot of present to get through first. The downside to this is that Mrs E has put her pension down to just the 6% matched amount for now
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That all sounds great Ed! I was in Whiting bay the weekend after you. Enjoy the long weekend with your lovely family.Save £20,000 in 2025. April 2k, May 3.5k6
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What timeframe are you looking to move in?
Well done for the daddy daughter time. It will pay dividends for all of you long term.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £3K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £22.5K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 28.2/£127.5K target 22;12% updated 6/7
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.6K updated 6/7/255
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