📨 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!

Mortgage free in Forever Home :-)

Options
1466467469471472632

Comments

  • It used to say somewhere how many views your diary had. Gave myself a fright with it one day.
  • You domestic goddess 💫

    Such a shame job centres aren't, like, places people can go to for getting jobs. No disrespect at all to the people who work there who are just as understaffed and unsupported as all civil servants, but wouldn't it be nice if people who are struggling or vulnerable could go to a job centre and do something mad like get a job.
    So much chat lately in the news and surveys about 'do you think people getting benefits should basically just have to die on the streets, your options are yes or probably'
    Um, we could try making the basic system not completely ineffective and kafkaesque in every way, shape and form and then see how folk get on?

    *gets off high horse*
    *does my knee in* 
    😏
    Sorry for ranting on your diary KK!
  • KajiKita
    KajiKita Posts: 7,673 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    You domestic goddess 💫

    Such a shame job centres aren't, like, places people can go to for getting jobs. No disrespect at all to the people who work there who are just as understaffed and unsupported as all civil servants, but wouldn't it be nice if people who are struggling or vulnerable could go to a job centre and do something mad like get a job.
    So much chat lately in the news and surveys about 'do you think people getting benefits should basically just have to die on the streets, your options are yes or probably'
    Um, we could try making the basic system not completely ineffective and kafkaesque in every way, shape and form and then see how folk get on?

    *gets off high horse*
    *does my knee in* 
    😏
    Sorry for ranting on your diary KK!
    Not intending to be political but… the suggestion that £240 million will do anything useful in this system to me seems laughable. I was advised when I first signed up that I could have an appointment with the careers advisor to write a CV etc. At that point the lead time for an appointment was six weeks …! I declined on the grounds that I was probably going to be okay and someone else would get more benefit from it. But the idea that someone could be left hanging if they really needed help, for six weeks before even starting with ‘how to get a job support’, was really worrying ….

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 40 books of target 52 in 2025, as @ 29th July
    Produce tracker: £243 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. 
  • f0xh0les
    f0xh0les Posts: 7,620 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    I explained to DS1 yesterday that local jobs used to be written on postcards and displayed on tiny shelving units, and you picked some cards, went to the desk, and the Desk Bunny rang through and made interview appointments for the same/ following day for you to go to.  
    He said that sounded better than the system now. They are not helping him find a job, they are checking he has applied for one. 
    DH went to one of those compulsory CV things with his 8 page academic CV. They suggested he shouldn't have more than 2 pages. He laughed at them. It is now over 10 pages. 
    They left him alone when he said was  Dr not  Mr.  
    4/10/22One Year Mortgage Free Yay!
    NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
    ******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******
  • I think the lack of education about really important things like personal finance, job hunting, life skills, debt and saving really needs to be tackled. So many of us are here cos we either saw the light, or the light bulb hit us... but some more early prep on life skills including CVs would be invaluable to many.
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • Watty1
    Watty1 Posts: 6,815 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I think the lack of education about really important things like personal finance, job hunting, life skills, debt and saving really needs to be tackled. So many of us are here cos we either saw the light, or the light bulb hit us... but some more early prep on life skills including CVs would be invaluable to many.
    Agree.  I did have CV coaching in my dim and distant past - but - basic skills on personal finance should be mandatory along with something Womens Aid run called the Freedom Programme - not all of it but a pared down version to show how healthy relationships develop and how toxic ones can too.  Having done two versions of that programme I wish I had the knowledge at a much much younger age.
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
  • Quietly grateful for my five years of home economics classes in secondary school.
    At least I had the underlying practical understanding even if I haven’t always been able to use it/there were some ahem missing pieces.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.1K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.