Mortgage free in Forever Home :-)

redofromstart

Three months before pension is normal. And we never actually made new starter forced holiday deductions, but unofficially. I'd perhaps ring, not email, payroll when you go back. You can always email to confirm your understanding. Our priority was to make sure new starters git paid something.

SandyShores

I've always found it best to be upfront about pay.  Even if its just a message to ask if your pay can be checked as it looks like you may have been paid too much.  Avoids any problems or awkwardness down the line.

KajiKita

Good morning all and thank you for the input @skintspice and @redofromstart. I will see how February pans out and then query it I think. 

Didn’t get chance to post last night as we were watching the last Christmas lecture. 

Had a good day - you know how (if you are like me) you set a plan when you intend to go out into the garden and you never, ever achieve it, either because things take twice as long as you expect or because there are a myriad of other jobs that need doing and distract from your intended aim …? Well yesterday, I set a plan and completed it! 🤩😊 I have to confess that it wasn’t that ambitious: finish clearing a path and the end of a bed in the veggie patch and riddle enough HM compost to cover another bed that is un-weedable. I did both and before it got dark too! 👏😊 That bed can now be chopped down and card boarded and then I have the HM compost to hand (4 bags) ready to use as soon as the cardboard is down 😊 It makes me feel organised 😉😂

I did a walk fit workout as well and got to 10K steps. 

Today there won’t be much happening outside as it is pouring down. Time for the vision board and tidying up the office so I have a space to play in this year ❤️

Happy new year to one and all. I hope you all have the year that you desire, that challenges dissolve as you walk up to them, that you find joy and peace in 2025. 

KK



 

KajiKita

SandyShores said:

I've always found it best to be upfront about pay.  Even if its just a message to ask if your pay can be checked as it looks like you may have been paid too much.  Avoids any problems or awkwardness down the line.

This too. Payroll are accessible - I will walk in and talk to them tomorrow.

KK

debtfreeoneday

I’m itching to get into my garden. Weather isn’t playing ball for me so far. Happy New Year 

Watty1

WelshmansDaughter said:

Move the hot water bottle to your lap kk, see where chloes affections lie 😂😂😂

Love this   

Baileys_Babe

Happy New Year, I 2025 is full of love and happiness for the KK household.

I would have a quick informal word with payroll about the pay, easier to sort out an small problems now.

greenbee

WelshmansDaughter said:

Move the hot water bottle to your lap kk, see where chloes affections lie 😂😂😂

Mine were both on the HWBs last night. I had to move them in order to create enough space for myself in the bed...

KajiKita

debtfreeoneday said:

I’m itching to get into my garden. Weather isn’t playing ball for me so far. Happy New Year 

I know this one … So frustrating. Going to be looking at seed orders this afternoon instead 😊

Thanks @Baileys_Babe.

greenbee said:

WelshmansDaughter said:

Move the hot water bottle to your lap kk, see where chloes affections lie 😂😂😂

Mine were both on the HWBs last night. I had to move them in order to create enough space for myself in the bed...

Cats Rule! 😽👑 😉❤️

KK

KajiKita

I have done the money shuffles post payday, set up a new YNAB sheet for January, a ‘Produce value tracker’ sheet for 2025 and moved excess current account cash to reasonable interest rate savings. 

Even with paying down my CC completely (ie. not waiting for the next statement / bill), I am running at 10.7 months EF. 

I think I am feeling confident enough now to ‘lock away’ £10K of savings (designated for next car purchase in c. 5 years or so) in a high interest, no access for the duration without penalty, account. I will have a look at what is out there for this.

Still not making any significant OPs or any transfers to pensions until I understand what is going on with my pay. Sitting on this is sooooo hard! 😂 Who knew I would become like this …. 

Had a £200 cheque clear in my current account a day or so ago that I posted to H@lifax back in early November, but it is so long since I ‘deposited’ it I’m not sure what it was for … ah, hang on, looking at the dates, it was probably a cheque from my mother for my birthday at the end of October. It is safely tucked up in savings now and will offset what I have spent on myself in the run up to and over Christmas with a little left over for renewing my Tr0pic products which will be coming up soon 😊

So, overall, nothing especially exciting happening here, but I am organised and have a clear slate for 2025. 😊 Very different to this time 3 years ago 😉

KK