Fix Up, Look Sharp

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  • I've got my appraisal booked at the end of next week ... I'm working on my talking points and evidencing my achievements this year at the moment, but if anyone has come across a good article or podcast about pay rise conversations then please let me know! :) 
    Do you follow Ask A Manager? She’s American so not everything applies here, but I love her blog and she has some great advice on asking for pay rises.

    I think it’s normal to be feeling wobbly about mortgages at the moment, but as  you say you need to be spending to make it liveable. And by doing that you’ll be increasing the value too. With your track history I’m sure that in 5 years you won’t be looking at a lake but a pond!

    I will have a look at Ask A Manager - thank you for the recommendation :) 

    Fingers crossed I get to the pond stage :):) 
  • Following MSE advice I've swapped my Avois points for Nectar points before the exchange rate changes later this month. I've been collecting Avois for 13 years on the few flights I take for work, and adding to it with the TopCashBack rewards for John Lewis purchases which can only be redeemed by Avois. Anyway, I've converted 26,000 Avois so I will have 40,000 Nectar points - I think that will work out to around £200 to spend in store. I think they can also be used at Argos, so I will take a look at what we might need for the house or if there are any Christmas presents I can buy with the vouchers. 
  • Wow that's a decent exchange then - nice one! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00
    Balance as at 31/12/23 = £112,000.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Wow that's a decent exchange then - nice one! 
    Very good! :) I'm anxiously checking my Nectar balance every day (it can take 12 days to go through) 
  • It really is a great feeling having a job properly ticked off isn't it - we're finally (after more years than I care to think about) getting there on that now too.

    Also - brilliant savings made on Christmas shopping there - well done! 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00
    Balance as at 31/12/23 = £112,000.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • If you can get a 0% deal on a CC but then as you say treat it like a loan that would seem to be the best - and certainly cheapest - way forwards? Realistically, even if you couldn't get a transfer to another 0% deal when the initial one ends, could you perhaps consider a loan to cover the balance on the card at that stage, then it might still reduce the time you'd be paying interest for? 
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00
    Balance as at 31/12/23 = £112,000.00
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
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