We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
2022 - Moving forward
Options
Comments
-
Just popping in to say hi. The compressed hours sounds worth a try. Will work accidentally create things on your 5th day or are they good at respecting it as an off day. Just a thought so you don't get caught up in long days and then extra bits sneaked in.Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 May 25- just under 65k
June 25 Debts in my name only £5170. DH can't keep track...6 -
NeverendingDMP said:Just popping in to say hi. The compressed hours sounds worth a try. Will work accidentally create things on your 5th day or are they good at respecting it as an off day. Just a thought so you don't get caught up in long days and then extra bits sneaked in.
Work are pretty good so it shouldn't be an issue - I'm pretty good at standing my ground too - it will be 'sorry I'm not in that day'. I do once in a blue moon log on when I'm off, but it's very rare and I wouldn't make a habit of it.
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4 -
although my 4 day week is just part time rather than being compressed working, I love my Fridays off - and it has to be said they REALLY reduce your need to take odd days of holiday for long weekends, too. The only downside is on the occasions when the powers that be decide to turn a Monday bank holiday into a friday....allowing that I already lose Good Friday! (And thank you - you've just reminded me to have a chat with MrBoss about adding a days holiday to my tally in lieu of the late May BH this year that's being changed!)🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her5 -
EssexHebridean said:although my 4 day week is just part time rather than being compressed working, I love my Fridays off - and it has to be said they REALLY reduce your need to take odd days of holiday for long weekends, too. The only downside is on the occasions when the powers that be decide to turn a Monday bank holiday into a friday....allowing that I already lose Good Friday! (And thank you - you've just reminded me to have a chat with MrBoss about adding a days holiday to my tally in lieu of the late May BH this year that's being changed!)"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4
-
Well, I've put in my formal request
They've got 28 days to let me know. I did have an informal chat yesterday with my line manager and he says he couldn't see an issue, but would need to check with the rest of the senior management team. Fingers crossed! I put to start in May, so I might only have a few Fridays left
I've had a letter back from one of my creditors saying they can't accept my offer but offering a 35% discount instead. It's not actually bad, better than the 10% I normally get, but I can't afford it so will just have to continue and keep trying to save.
My slightly strange litigious neighbour called round today to inform me he was in dispute with the water company and that they were blaming us for a blockage that happened a few weeks ago. I told him that was nonsense as they'd been round to check our drains and were very clear that the blockage was upstream of us. In any case, I'd deal directly with them if they felt there was an issue and not through him as a third party. They haven't written to us, and have clearly written to him several times, so I don't think there's an issue on our part. He also informed me he doesn't have house insurance so he's probably trying to get some costs back!"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee4 -
There's a formula employers use when you work different hours with bank holidays, I asked for Friday's off when doing condensed hours because that was when my dad used to walk with his friends - I was offered Monday and so the bank holidays were incorporated into my leave.4
-
peb said:There's a formula employers use when you work different hours with bank holidays, I asked for Friday's off when doing condensed hours because that was when my dad used to walk with his friends - I was offered Monday and so the bank holidays were incorporated into my leave."Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee3
-
Good to hear you put your request in , fingers crossed you get the compressed hours .Life is an adventure, never stop exploring.3
-
Hope all goes to plan.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.3 -
Good luck with your request.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/252
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards