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Learning to walk before I run
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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.5 -
Thanks Beanie - DD2 sleep training going well is providing at least some respite from grumpy moods
Also ordered some tasty smoked salmon for delivery for Christmas and Hogmany5 -
Ed, you need a new job. No more holding off until the new year, no more restricting yourself to public sector only, no more only looking for home working (if that's what you've been doing). You need to get out of there, even if where you're going is only a stopgap.
And next time the opportunity comes up to be the boss, please, please go for it?Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!9 -
You sound incredibly frustrated - I think @South_coast has a valid point... this kind of work stress isnt good for anyone and we all know how capable you are.DON'T BUY STUFF (from Frugalwoods)
No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff. Money doesn’t walk out of your wallet on its own accord.
https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest8 -
Having a job-type you have prepared an application for is what I meant by having an escape plan. It doesn't only mean giving up work, it primarily means doing the preparation for escaping from the current situation. Even if the job advert is not there yet, tweak your evidence and competency statements. Major on evidence of your emotional intelligence and empowering and inspiring your staff, rather than the hard delivery you have achieved as that is the skillset so sought after in senior leadersSave £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 -
I will respond to thoughtful comments later but in midst of busy daddy daughter day.
Took both 🐈 to vet for a medication review because of new rules coming in re. Repeat prescriptions. Vet told me a) the check can usually be combined with vaccines (that's good) and b) the rules weren't in force until January 2024. So why the heck did they charge me for a consult in November 2023?
New flea 💊 prescribed. Unfortunately it's 40% more expensive and the prescription certificates have gone up by 20%, too.
Will now cost c. £220/year just for prescription flea treatments. Is anything getting cheaper?
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Ouch Ed! That’s a lot! I take it you’re buying online as you mention prescriptions? Is it gold-plated? Do they both need the tablets rather than the spot on stuff? One of mine has tabs (Credelio) because he hates the spot on, but the other has to put up with the cheaper stuff!
(Agree with SC. Life is too short to be as miserable at work as you seem to be.)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 Hemingway5 -
@themadvix - that's an annual review, 12x pipettes of spot on stuff bought online and 4x prescription certificates. Yes, it may well be gold-plated4
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Ed, may I offer some tough love?Mortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!5 -
Eh, again? I'm still processing your suggestions from the 10thShoot...6
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