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Learning to walk before I run
Comments
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Ed, are you 100% certain that none of your colleagues are MFWs? You've always been very identifiable with your frankness, and I'm paranoid on your behalf that posting during working hours and saying how much you're making on the side from surveys is directly linked to your lack of contract extension to date 😬
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!!!4 -
@South_coast - I'm sure that none of my colleagues are MFWs. Anyway, I survey on my breaks and after work, it's very easy to fit 35 hours of actual work time into 5 days! As you know, it's easy enough to make ££ if you are lucky enough to have AI surveys available to you, an hour a day is c. £15.
I update my withdrawn figures in the morning because I withdraw once a day in the morning 🙂
My contract hasn't been renewed yet because it needs to be signed off by a board that doesn't actually meet until after my contract ends! So as far as I can see, I'm just expected to keep turning up and hoping they pay me 😉
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OK, fair enough. I seem to be turning into a worrier in my old age!
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!!!6 -
@South_coast - I'm always glad to have another worrier join me in worrier corner ❤️ More positive news on the work front in that a former colleague tells me they have appointed someone to my old post, they wouldn't be doing that for a month!
I was like death warmed up last night, managed to make pizza for dinner and then struggled to eat it. Eventually managed two slices and was in my bed full of Night Nurse by nine o'clock 😂 9+ hours of sleep helped and I wasn't even too groggy this morning as the NN was out of my system by then.- £36.09 to Extension, approaching the £3,000/5% mark 😊
- £1.55 to Emergency Fund
- £20.16 from Prolific to SIPP pot (no surveys yet today as I was moving on a substantial work project). I have passed £500, now to see if I can make my £600 stretch goal by financial year end.
Off to see if I have the energy for a quick walk around the neighbourhood. Leftover pizza with garlic prawns ready to go for after 🤤
9 -
Blergh. 5 hours sleep and DD2 throwing up from a nasty cough 🤢
Going to struggle to get through today, 3-hour training session, 90 minute meeting, other short meetings. Off tomorrow 🙏
- £43.50 to Extension
- £4.29 to Emergency Fund
- £23.94 withdrawn from Prolific and added to SIPP budget
Can't really see me feeling up to any surveys today, luckily yesterday was a good day on that front.
Onwards and upwards.
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That sounds a bit of slog. Thank goodness the weekend is coming up and I hope the training is stimulating …. 😉
KK
As at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 22 books of target 52 in 2026 as @ 19th March.
Produce tracker: £59 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.4 -
Less than 5 hours sleep last night. DD2 in a temper tantrum this morning (tired and snotty), 45 minutes late to nursery 😪😴 I've had a breakfast roll and a coffee from Mr M's, some max strength cold & flu capsules, and a bottle of Lucozade. Now back to bed 🤤
Mrs E has been paid and we go into month end with £10,000+ not assigned in YNAB, feels like a good move in the right direction, March is my 2-pay month.
- £33.07 to YNAB
- £10.74 to Emergency Fund
- £10.72 withdrawn from Prolific and allocated to SIPP
6 -
I had our first laundry of the year outside, it always makes me think of my MFW family ❤️ Just as well, I owe mollusc £150! Still needed a wee tumble as it was bath sheets but much shorter than usual 🙂
Still exhausted but I got a little more sleep and we're having fish and chips for dinner, which always cheers me up
9 -
I'm also Mrs snot face at the moment - Most of the last three days in bed the streaming is just attempting to hit my chest. Much choking and spluttering here, I'm relying on a decongestant nasal spray and Paracetamol Extre (caffeine) to even out my temperature. I missed Chinese New Year event last night and will miss the party I am due at (outdoors) this evening. First proper cold since 2021.
I hope you feel better
Save £12k in 2026 #2 I have banked £2870.61 so far, against a £10k target The 2026 Save £12k in 2026 thread is here
OS Grocery Challenge in 2026 I am sticking with a £3000 annual budget for 2026 - currently £568.34 and most of my March purchasing made
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 in 2026 discussion thread
My keep within our budget diary is here6 -
Feeling a wee bit more chipper this morning thanks @Suffolk_lass , still very tired and a bit breathless. I hope you get better soon 🤞
February month end finances calculated and I am very pleased.
- NW + £10,440.16
- Strict NW + £7,793.54
1 & 2 have both benefitted from debt reduction and the addition of S&S ISAs for Mrs E and I that were worth about £3,000 in total. This money had already been invested for some time but had never made it to the NW spreadsheet, so it's a one-time addition 😊 SIPPs have also behaved themselves quite well. We are both approaching the point where we will have £100k+ each in these + employer pension (Mrs E)/AVCs (me).
6
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