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Mortgage free in Forever Home :-)

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Comments

  • Blimey, well done you for still being in a job after not clouting him round the earhole while shouting 'you are literally being paid to do at least the minimum of bloody turning up on time!'

    I don't know if it's a generational thing as there have always been workshy people with wild delusions of their own specialness, but I admit it seems like more younger people who grew up with the internet suffer from it..
    (Though of course the vast majority of younger people are hard working and respectful and should not have their good names sullied by those who behave like t*ts!)
  • South_coast
    South_coast Posts: 6,091 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I think the fact he has already been dismissed from other roles for persistent lateness (and still not learned his lesson 🤦‍♀️) speaks volumes!
    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!!!
  • Brie
    Brie Posts: 15,746 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Problem is that it's such a demotivator for others on the team if one person is allowed to waltz in late every day.  

    I did have a team where there were some like that and had been told that everyone needed to work 9 - 5.  Talked to the team and one person was quite put out as that was the worst time for her to get to work and could she please come in early instead.  And leave early too of course.  In the end there were a few that found 9 - 5 convenient but a couple of others that wanted something different.  I said that as long as they were consistent that would be fine as it meant that the department actually had better coverage and people worked better because the hours suited them.  

    But the difference is that this was a team agreeing on it en masse rather than one entitled person rolling their eyes at how mean it was for them to be expected to be some where as noted in their contract.  
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

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    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
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  • KajiKita
    KajiKita Posts: 8,668 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 13 July 2024 at 4:58PM
    @PennysIntoPounds, you made me laugh 😆 
    @Brie, @southcoast, quite. I am pretty flexible and tolerant - people have children, car issues, leaks, appliance problems and all the other ‘life stuff’, so, if they let me know and make up the time in the same week (or book the required annual leave) we are good. 
    However, when I interviewed this individual, I was very clear - there were two requirements: 8.30am each day for the production meeting and 10am two days a week for our team meeting. They agreed at the time but then once we got past their six months probationary period … 🤷‍♀️

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 65 books of target 52 in 2025, as @ 16th November 
    Produce tracker: £442 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. 
  • skint_spice
    skint_spice Posts: 13,588 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That’s even worse KK - that they managed until after they had finished their probationary period. In fact it says they could do it but they are choosing not to do so.

    The sweet peas are lovely, I must grow some next year.
    Mortgage OP 2025 £7550/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £34,196

    Money making challenge £83/400

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • f0xh0les
    f0xh0les Posts: 7,706 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Maybe  inside Mr KK's head works ex-vat?  He worked out his budget but forgot to add 20%, so really he has come in under budget :D
    4/10/25Three Years Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢
    No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • redofromstart
    redofromstart Posts: 5,968 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    Sounds like a useful day to me. 

    Our projects always cost more than expected because we don't allow for the bits and bobs so I add a third to whatever we think. 
  • beanielou
    beanielou Posts: 97,017 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Blooming good day to me. 
    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.
  • KajiKita
    KajiKita Posts: 8,668 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    f0xh0les said:
    Maybe  inside Mr KK's head works ex-vat?  He worked out his budget but forgot to add 20%, so really he has come in under budget :D
    Good try … but he was horrified by how much we needed to pay the sparky! I guessed £300, he guessed £200. It was £342 including some additional switches and such like. 
    Sounds like a useful day to me. 

    Our projects always cost more than expected because we don't allow for the bits and bobs so I add a third to whatever we think. 
    Good thinking. I will file that way for future reference.

    beanielou said:
    Blooming good day to me. 
    Thank you 😊

    KK
    As at 15.10.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
    - OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
    Fixed rate 3.85% ends October 2030

    Read 65 books of target 52 in 2025, as @ 16th November 
    Produce tracker: £442 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. 
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