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Learning to walk before I run
Comments
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edinburgher said:I share your pain @rtandon27 - I'm also managed by a micromanager!4 YEARS 10 MONTHS DEBT FREE!!! (24 OCT 2016)(With heartfelt thanks to those who have gone before us & their indubitable generosity.)...and now I have a mortgage! (23 AUG 2021)New projection - 14 YEARS 8 MONTHS LEFT OF 20 YEARS (reduced by 16 mths)Psst...I may have started a diary!6
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Organised to speak to a mortgage broker to start the ball rolling on a remortgage today. Except I was 3 weeks early, so I didn't 🤦🏻♂️8
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edinburgher said:Organised to speak to a mortgage broker to start the ball rolling on a remortgage today. Except I was 3 weeks early, so I didn't 🤦🏻♂️
KKAs at 15.08.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
- OPs to mortgage = £12,148 Interest saved £5,738 to date
Fixed rate 3.85% ends October 2030
Read 44 books of target 52 in 2025, as @ 21st August
Produce tracker: £353 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.5 -
Too early, as in, the appointment is in 3 weeks time, or three weeks too early to be able to move?
I hope I was never that micromanager. I liked to fully understand things (still do) but did not feel I needed to manage beyond ensuring my staff knew what to do and knew enough about the subject matter to resolve issues and brief me and seniors as neededSave £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 here5 -
@Suffolk_lass - the latter - I can just about manage my diary
Work is oddly quiet today, I'm feeling a bit bored, truth be told. Perhaps time for some job hunting before hitting some overdue work admin this afternoon?- £1.65 OPed
- c. £1 from small surveys on Prolific
- £2 from a Y Live survey (couldn't help myself)
- Remembered the £2 SIPP payment (£2.50+ after tax relief) I owed myself from last weekend
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Still not feeling this week, there is very little time off as a parent! Stressed and crabbit.
Financially and practically, things have remained productive:- £93.53 OPed this morning
- £61.68 paid into my SIPP (I believe this will be worth IRO £92.52 after tax relief is applied this year and next). 8% gross of my overtime from Tuesday comings pay and a wee lottery sin tax
- S&S ISA topped up a couple of times. Dividend pot has now passed £500 and I received my first dividends this week. That £1 will make all the difference
- Up to 4 hours of overtime this week, I may do another hour or two today
- I have started painting the stained section of our kitchen ceiling. Two and a bit coats of Zinsser BIN have very much faded (although not completely disappeared) the marks and I'm going to start painting at 1
- Most school uniform purchased for DD1
- Cat taken to vet for her usual jags and a new course of prescription flea treatment ordered
This month has been ridiculously expensive because of the holidays. We will pass £1,000 for groceries, I suspect that a wodge of holiday costs have made their way into there because of the staycation.6 -
It turns out "very much faded" doesn't cover it. Cue an hour's walk in the ******* rain to get another can5
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Job done and while it might not be a good'un, it's a "good enough" un
I am exhausted, made a mess and got soaked. I kept my cool tho, and we had a household repair that was spotted, fixed and redecorated after in less than a week. That would have taken us *months* in the olden days. Feeling pretty
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Well done Ed! On the school holidays, my two are 13 and 15 and really for the past year or two have been pretty self sufficient in the holidays with activities - sometimes they need a lift to something. But really it gets easier and cheaper, although the food bill keeps rising!
Save £20,000 in 2025. April 2k, May 3.5k8 -
It does get easier & then they will be gone & you will miss them. Take it from someone who knows.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.8
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