Cheer Leaders needed on the final stretch

skye_blue

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

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

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!

skye_blue

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

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

Win-win decision.

Moneyfordreams

great that your plan to reduce hours can still happen 

skye_blue

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

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

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.