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My Plans of Actions and Dreams
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Congratulations @HotDog2020 I'm really pleased for you! 🥳👏😁
Did they say how much you would be earning so you could properly budget going forward? Perhaps if it is just a 1 year contract you could keep job hunting for a permanent role alongside the temporary one so you're not in the same position next year?
When are people viewing your room for renting it? Fingers crossed someone nice takes it very soon for you 🤞MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
Total- £1162.23
Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)
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Oh well done. I was a career temp, loved having a new job every few week/months. The variety of jobs didn't stop me getting work in accounts, always a mat cover or sick cover to be had esp. in credit control. With your degree in forensics perhaps you should look for a forensic accounting role in the longer term. Do you need to spend on a new car or is it wfh?0
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Hope the viewing went well!MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
Total- £1162.23
Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)
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Fantastic news for you. Hope lodger works out too.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.1 -
Congratulations getting a jog. A real weight off your mind. Hopefully the lodger will work out xxslowly working towards being MF one small over payment at a time :T2
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That's fantastic news if you mean the man is now your new lodger ! How exciting. Even if you only did it for a year it would get you ahead on your savings and allow some wiggle room in your budget. Everything seems to be coming right for you although I understand your concerns on it all.
On your work clothes have you tried Vinted? You could grab some cheap bargains on there and perhaps buy a capsule wardrobe/ uniform just for work to keep costs low and make sure everything mix/ matches with each other to change up the look...i.e just a couple of pairs of black trousers, some nice comfy/smart shirts and one smart jacket then you could add to it as and when you're able but keep costs low. Is the office near to where you live?MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
Total- £1162.23
Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)
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Great news on lodger being part time. That’s ideal.I would not mention changing your start time just yet. Settle in first.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.1 -
Hope you get someone else in soon. It's a fantastic way to boost income. I wish I had a spare room to do it!HotDog2020 said:Unfortunately I had a text from now Ex lodger if you can call him that - he has since changed his mind, So I have spent £19 on a new ad today eak!MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
Total- £1162.23
Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)
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Hope nothing serious 😊HotDog2020 said:I have had blood taken this morning, not fun and later I have an eye appointment where the eye drops are supposed to hurt the eye! Eak! Not a good day 😒😒😒MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
Total- £1162.23
Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)
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Garages are really very expensive for snacks. If you really want a snack could you not go to a SM instead and get offers there rather than garage prices?
Your budget seems very doable to me! I think you've left yourself a good amount to live on- we have £150 here for four of us for spends and groceries. Petrol comes out of DP wages but we try to keep the miles to a minimum.MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200, June £200. July £200.
Total- £1162.23
Goal to pay off 1% of current mortgage in one year. £1200. (96.83% there)
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