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Alchemausterity II
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Will watch for progress
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 !!5 -
i hope you didn't do the BP just after you worked out the grocery spend!My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo5 -
redofromstart said:i hope you didn't do the BP just after you worked out the grocery spend!
Thanks for checking in on me @redofromstart and @Watty1.
@redofromstart I can't remember what happened to your Pratchett-inspired user ID?
Spent money yesterday (£20 on pressie for DS friend's birthday). Will spend today as have to get a card too.
Did do BP and will do again presently. Journal ongoing.
ETA looked into CIPD membership and experience assessment. Over 2k just to see if I qualify😱 it's a no from me 🙂.
Spent £13 on random nonsense and £3 on a birthday card for DS's friend.
I have a £220 septic tank emptying bill to pay too.5 -
*Relationship - keep a journal of highs and lows :🙂
*Money - 5 NSDs 0/5
*Work - make some progress towards gaining a promotion🙂
*Health - record BP am and pm for 5 days 2/5
*Home - clean puppy smears off inside of windows🙂
*Family - offer some quality time or act of service to each child.1/35 -
I still have access to my hex2 account, but when I did the debt free diary I set up a stand alone redo account because I wanted it to be more anonymous.CIPD is tricky, I guess it depends on where you want to work. The more corporate and public sector often blindly insist on it as essential but I am always more interested in someone's experience than a badgeMy mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo5 -
Thanks - other than employment law I would imagine there is not much in the training that must be delivered formally at all costs?
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Funnily enough the employment law elective was the only one but I did at college, all the rest was distance learning. I was looking at employment law LLM recently and they are closer to 10k. I would prefer any employment law qualification to basic 'HR' training but that's because my focus has usually been transactional HR in low profit environments.If you find an interesting employment law one do share, I'm probably due a refresher 25 years on.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese
GNU Mr Redo5 -
The employment law training I have done is all union stuff.
Blew my NSD with a £5 valentines card.5 -
Relationship - keep a journal of highs and lows :🙂
*Money - 5 NSDs 0/5
*Work - make some progress towards gaining a promotion🙂
*Health - record BP am and pm for 5 days 4/5
*Home - clean puppy smears off inside of windows🙂
*Family - offer some quality time or act of service to each child.2/3
Doing ok except on NSDs. Bought a water bottle. My first new one since pre pandemic times.5 -
I hope you add some 'play' time for you on your list - and have some fun.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/254
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