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Comments

  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry the commute is so hard. It is difficult too when you feel you are compromising on your dreams. Hopefully you won't need this job for too much longer and you can find something that suits you better. Anyone would find that commute hard. I had a job like that over 10 years ago now and ending up leaving the contract early. It led indirectly to this job so it all worked out in the end. Hard when you are in the middle of it though.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • jwil
    jwil Posts: 22,273 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good luck with the job application.  Will the commute be easier once you are in the new place?
    "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 McGee
  • doingitanyway
    doingitanyway Posts: 10,201 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks everyone  :)  

    @savingholmes thanks for understanding so well  :)

    Today was the same travel. Exhausting. But somehow I managed the work better and I could navigate the system and procedures better too. It will never be an easy role which is why the salary is better than average.

    I finally came clean about the probable new house. I said it might not go through (it might not, so not untrue) I said I would want to work 3 days a week WFH and come into the office 1 day. It was agreed!! I am so pleased. This means I won't need to stay over in the city once a week. It also means I will have 6 days in the new area and as I work creatively early in the morning I should be able to get back on track.  

    I asked for a L2 survey instead of a L3. It was surprisingly hard to change, so I lined up another surveyor for the same week.  then 1st lot agreed they could do it and it should be fine. 

    CU came back and I managed to get that going again. I want to use my new income to overpay the small loan they will hopefully give me. 

    I feel like the plan is coming together. 

    Tomorrow I will finalise surveyor and chase up some finance figures due 

    House plus WFH every day except one is (hopefully) on its way  :)

    Hope everyone is ok. 








    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • MovingForwards
    MovingForwards Posts: 17,158 Forumite
    10,000 Posts Seventh Anniversary Name Dropper Photogenic
    That's fantastic news about WaH, it will make such a difference and you'll probably find things will make more sense when you're in comfortable surroundings.
    Mortgage started 2020, aiming to clear 31/12/2029.
  • savingholmes
    savingholmes Posts: 29,049 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    So pleased for you re WFH agreement - it will make a huge difference especially given that commute.
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • beanielou
    beanielou Posts: 96,203 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great news  :)
    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.
  • Chrystal
    Chrystal Posts: 2,005 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Given that they're agreeable to you WFH is there any chance that they'll let you start doing it now?
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.

    Yesterday is history, tomorrow is a mystery
    Today is a gift. That's why it is called the present.

    happiness isn't achieved by getting extra things,
    but by getting rid of the things that make you unhappy
  • jwil
    jwil Posts: 22,273 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That's great news about WFH :)
    "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 McGee
  • Hope the survey comes back OK, and you are prepared for all the little issues they always pick  up.
    I remember one telling us the inside window cills were bowed…..I  still couldn’t see it when we sold the property 10 years later ! 
    Best to concentrate on the highest level of faults that they identify, and then work out costs and if necessary renegotiate the price. 
    Main thing  is,  not to be put off by the sheer length of the survey report.
    good luck 
  • doingitanyway
    doingitanyway Posts: 10,201 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thanks everyone  :)

    @MovingForwards I think you have a good point there...

    @Chrystal you are ahead of me...I am waiting until next week when I will request 1 day WFH a week until I change to 3 days WFH. I need to be in the office more at the start to learn from more experienced staff...

    @Debsnewbudget I switched to a L2 survey from a L3. The house is in excellent order and newly rewired. I am not expecting much to be 'wrong' The owners seem quite particular about the house and everything has been done to a high standard with quality materials...but we shall see!

    The 12 hour days (work plus travel) are getting to me. Today I felt exhausted by 3pm. My plan is to request 1 day WFH starting next week. That will give me 4 hours a week back.

    MSE wise, I am still wasting money. I had forgotten how much tiredness contributes to very poor spending decisions.

    I hope everyone is well



    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 800/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
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