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Cheer Leaders needed on the final stretch

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  • skye_blue
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    Hi, thanks for the reply

    Ive been checking budgets again, thats the trouble when you can't just discuss with another you just keep mulling things over.  I think my calculations weren't correct but im going to wait until after review time to make firm commitments

    I think you are correct I do need a break for a pick me up but I have an old dog who pines if I leave her for more than a few hours, worse since i work from home.  But im going to look for a few odd days out, a quick train or coach trip just for a change of scenery

    Hope the mortgage increase isn;t as bad as you think, im hoping this was the last increase and they start to reduce a little

    Take care everyone

  • skye_blue
    skye_blue Posts: 301 Forumite
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    Ok so my pay review took place, 5% plus cost of living bonus - happy with that

    So im sticking with my original plan of going to working 4 days from April.  I think my original workings weren't correct, not half as bad as I predicted

    Ive sent £250 to my xmas savings account, £300 to my mortgage (£48,950 now), booked my boiler service for April and put some into my overspill savings account to perhaps pay a bit more off my mortgage.  I tend to send too much early in the month and things feel a bit tight later in the month

    Im feeling a lot brighter about things now, time will tell if it works but for now im ok with it and im happy that I will still be paying down the mortgage, some months more than others but still chipping away.  Any additional money I make will go directly to mortgage so that should help - just need to get on with listing and hopefully doing a couple of car boots when the weather improves

    Take care everyone
  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
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    edited 5 March 2023 at 7:24PM
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    Great to hear about the pay increase and your positive decision on working 4 days.  That will give you a mental boost, moving towards less stress and fewer hours.

    Car boot idea sounds good, once the weather improves.  I have managed to give most of my worldly goods to the charity shops so nothing to sell!
    What I do not give, you must never take by force.
    Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
    God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young.
    Linkin Park
  • skye_blue
    skye_blue Posts: 301 Forumite
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    I have a lot of things in the attic from when we had to clear mums house when she went into residential care

    We gave a lot to charities and free web sites but it was really difficult at times getting rid of things, some went to fill 3 skips but some stuff was to good to do that so thats why its in my loft so hopefully it might make a few pounds - the remainder of the family couldn't be bothered with selling stuff & definitely wouldn't do a car boot

  • skye_blue
    skye_blue Posts: 301 Forumite
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    Feeling a bit out of sorts this weekend, headache & tired so going to stay home and chill

    Ive checked food stocks and Im not going shopping this weekend - Im determined to clear the freezer before I stock up, its too easy to keep adding to it and leaving the same stuff behind

    So sent £50 over to mortgage (£48,900)

  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
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    Win-win decision.
    What I do not give, you must never take by force.
    Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
    God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young.
    Linkin Park
  • Moneyfordreams
    Moneyfordreams Posts: 2,442 Forumite
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    great that your plan to reduce hours can still happen 
    Mortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 2022
  • skye_blue
    skye_blue Posts: 301 Forumite
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    Im looking forward to some more me time - note to self tidying and sorting can wait a little while if something better comes up to do

    Saying that a friend who works part time has asked me to join her in a walk with a couple of other people.  They don't go every week but once the weather improves think this would be a good start.  Also they take their own flask & butty so sounds like money savers too

    Take care everyone
  • skye_blue
    skye_blue Posts: 301 Forumite
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    Remembered to claim my mileage & other bits from work this week - so cashed in some coins as well and sent £100 to mortgage (£48,800) - slowly slowly going down - nothing major but in the right direction just wish the mortgage rate would go in that direction instead of up!!!

    Take care everyone especially with the recent weather conditions
  • Tahlullah.H
    Tahlullah.H Posts: 1,227 Forumite
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    Excellent result with pulling the coins together to overpay £100.

    I am still waiting to be told what my mortgage payment will be next month.  The only thing I do know is the direct of travel is up.
    What I do not give, you must never take by force.
    Mortgage outstanding - 30/12/22 - £25,900. 31/01/23 - £22,300. 28/02/23 - £20,500. 31/03/23 - £17,500. 30/04/23 - £15,800. 30/05/23 - £13,800. 31/06/23 - £11,300. 31/07/23 - £9,800. 31/08/23 - £8,300. 30/09/23 - £6,000. 31/10/23 - £3,000. 30/11/23 - £1,200. 06/12/23 - £00.00
    God save us everyone, As we burn inside the fire of a thousand suns, For the sins of our hands, The sins of our tongues, The sins of our fathers, The sins of our young.
    Linkin Park
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