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Mortgage free in Forever Home :-)
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Probably an odd angle, but for me there is a point where self respect kicks in. 'I would love to do that for you but me, my skills, my knowledge are worth more than that', and the situation you have just been through impacts on that self worth so it is almost self sabotage if you see what I mean. You are good at what you do, and you are worth £X has to be the self talk.
ETA I took a half pay short term role after my major blip to rebuild my confidence, but it was a fixed term thing and it worked for me. It did help.My mortgage free diary: +++ Divide by Cucumber Error. Please reinstall universe and reboot+++
GNU Mr Redo3 -
Can one add that money isn't everything? I know you aim to be mortgage free but happiness counts for a lot too. If the charity is doing something that would make you happy that may make up for the difference.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
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
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Ooh, interesting thought Greenbee. I had cottoned onto the possibility of negotiating salary but not reduced hours to possibly earn elsewhere … 🤔greenbee said:If you do get far enough along the process to discuss salary you may be able to negotiate reduced hours to compensate (or they may have additional funds that they can release given your experience), and then free up some time for freelance work/consulting.
Sadly, I updated my CV yesterday morning ready to send it off and they had closed for applications (in less than 24 hours!). Still, I will be ready for another one, if it appears…. 😉🤷♀️Cheery_Daff said:Definitely worth trying out the cv and the process before you find the absolutely PERFECT job! This one sounds like it fits many of the boxes at least 😊
That was my thinking too. I have always been quite regimented about what kind of role I would go for in the past. I am deliberately trying to be more open to other options this time, to see if I can find something that will fit me better culturally.Watty1 said:You might need to kiss a few frogs before finding the ideal job - so - go for the charity job and see what that vision board creates
Sadly when I have a look at my budget I have some hard financial realities that I need to meet. I don’t think selling stuff or cooking from scratch more would make up that gap. Plus, I think I would find that quite stressful.SandyShores said:What about if you include travelling time in hours? I'm guessing it might not make much of a difference for you, but when I include the hours travelling and work out my hourly rate it makes a big difference. So I'd rather be nearer home with less actual salary and then utilise non-travel hours to make up my salary (selling stuff etc.) and save money (e.g. home cooking etc).
KKAs 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 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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.3 -
Not an odd angle and I totally get what you mean. I am expecting less pay in a less brutal sector than manufacturing though …redofromstart said:Probably an odd angle, but for me there is a point where self respect kicks in. 'I would love to do that for you but me, my skills, my knowledge are worth more than that', and the situation you have just been through impacts on that self worth so it is almost self sabotage if you see what I mean. You are good at what you do, and you are worth £X has to be the self talk.
ETA I took a half pay short term role after my major blip to rebuild my confidence, but it was a fixed term thing and it worked for me. It did help.
Yes, money isn’t everything but I need a certain amount to meet the minimums of my budget, plus Mr KK is self employed so he sometimes doesn’t or can’t work. I need to have an income that gives me the option of some small buffer to buy us time.Brie said:Can one add that money isn't everything? I know you aim to be mortgage free but happiness counts for a lot too. If the charity is doing something that would make you happy that may make up for the difference.KKAs 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 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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.4 -
Had to spread my replies over two posts as your replies ran over two pages 😊 I appreciate all the input as it makes me think.Strange day yesterday as skimmer was back again …. There’s something about that man I really don’t like. I thought I was being silly / paranoid / over sensitive, but when I mentioned how inhibiting it is having him around, Mr KK said it before me …. Hopefully today will be the last day!Some wins for yesterday:
- CV updated - tbh I ran out of oomph to really go through it but it’s current and I have something I can send out. I will really need to immerse myself in it when I get back so I am ready for any and all recruiter questions if they call when I am deep in a border outside or some such 😉- Cleaned the next run of kitchen cupboards and floor in front of the cooker and the cats’ feeding corner. The latter took some doing!
- Did the application form and paid the membership fee for joining U3a - the local branch does a weekly tai chi class for £10 per month which some of my neighbours go to. I think this would do me good.- More washing done and almost fully line dried in the sun, which included jeans for Mr KK to take on holiday with him 😊
- Got out in the garden for an hour or so and weeded the whole length of one bed in the front garden. It was interesting to see how the ecology of the weeds changed from one end of the border to the other - it starts in shade and ends in more open conditions. This needs mulching now and there is scope to pop some violas in here too 😊
Today will consist of emptying out the fridge of inedibles (I’m still adapting to a different eating pattern with being off work), a bit more pre-holiday washing and Mr KK’s workwear, some gardening (the weather forecast is good), taking a run up to town as the car hasn’t turned a wheel in a week and I can get a refund on more work trousers that don’t fit … 🙄 and possibly some chilling on the sofa 😊
KKAs 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 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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.7 -
Sounds like a great Saturday as long as you do get some chilling time too. Weather here looking variable and I’m heading into town so no gardening today. Lots of leaves falling though so plenty to gather up.3
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I joined my local U3a recently, good luck with the tai chi, around here it is fully booked.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family3 -
I messaged the tai chi teacher before signing up to U3a as I wanted to be upfront about the fact that I am aiming not to be there for long and before I spent £ on the U3a membership. She was very nice and is looking forward to me joining.Baileys_Babe said:I joined my local U3a recently, good luck with the tai chi, around here it is fully booked.KKAs 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 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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.7 -
Feeling pretty rough - my head cold is getting worse … So tired and head heavy.Did manage to to get the refund for the non fitting work trousers.Cleaned my bedroom - several items went into the bin, three items for charity, one item I might be able to sell if I can clean it (necklace and earrings set). Used the ‘have you used it in the past 90 days, will you use it in the next 90 days’ as well as the ‘does it bring you joy?’ questions to help me shift stuff. Moved other things around so the space has had a refresh.Wrangled toscos - we have lots of treats for the holiday 😉
Tiny bit of cross stitch.Went to bed for two hours with my sore head.KKAs 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 62 books of target 52 in 2025, as @ 4th November
Produce tracker: £426 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.7 -
I expect it's a post work stress reaction to get a cold. Hope it's gone quickly. Don't forget the sage tea gargle!!!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
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
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