DrCarrie's adventures in saving to be a mortgage-free wannabe

KajiKita

Being comfortable and confident with your situation as it is for now, sounds like quite an improvement to be fair! 😊

Life is all about the ‘interim’, the journey, not the destination 😉

KK

DrCarrie

Thanks KK, I am loving the interim. Feel light, and sleeping so well!

DrCarrie

I am back in the game...focus, fun, and frugality!

Still, so much uncertainty, feeling kind of settled in that. I'm not letting it stop me or destabilise my future. 

Onwards and upwards. 

KajiKita

Sounds like you are surfing the wave ….🌊 
Good luck with navigating the uncertainty 😊

KK

Shrewbie

Woop! I'm here cheering you on @DrCarrie!! I'm definitely in an interim period myself here.

DrCarrie

Thank you @Shrewbie and KK. @KajiKita

Someone was made redundant yesterday...email announcement out today. It certainly won't be the last. I have said that I would consider it. I can't see that there will be much of a pay rise, with the new increase in NI for employers. I know I am safe until the New year.  I'd go for 20K redundancy package. 

Let's see what comes next...there will be an announcement on Monday about the senior leadership team, where i will be announced as interim...people will be wild. Honestly the cat amongst the pigeons, enough to make a really big pie. 

KajiKita

Hope the wild reaction is at least civil towards you …. (It’s not something you’ve asked for after all!) 

Looking at your signature, if you add PBs, formal EF and and your ISA together you have your 3 months EF pot, I think? 

KK

DrCarrie

Definitely close, for sure. Need to do a bit of updating of the totals and my signature. Fresh new month tomorrow.

DrCarrie

I have updated my signature, you are right @KajiKita - I do have £6241! I didn't check the PBs - I might have another £100. I think I will lump the Cash ISA and the PBs together, in my signature. 

I also have £435 in my private practice savings pot (for CPD). 

I am planning a few months of tarting up the house and garden. Then start saving for bigger and more pricey renovations. But I really do want to add to my pension and overpay the mortgage a tiny bit. 

I would like to support myself with a good salary for 4 years if I can focus on how the job serves me rather than being frustrated and sometimes upset about all the changes that I don't agree with. As long as what I am doing doesn't breach my values, I reckon I can do it. The remortgage is due in 4 years, if I can just stay put until then - I will be able to get a lot done in the house and then go fully self-employed. 

Currently, my private work is meager, after Christmas, I am starting to focus on that and have it sorted out and the Website up by June. There is one thing I want to get done: professionalising Clinical supervision, accreditation, and supervision qualification. But have a course to finish this month, yet.

I have other options if I need to jump ship, but it would just be far more effective to stay for now, I just know what I am doing, so it makes life simpler. Then I can have the last 10 years or so of my career doing things I really want to do and believe 100% in. 

Writing this, really shows me how much has changed, in my relationship to work and money.  

KajiKita

Good news on the overall EF 😊

Thats a pragmatic and balanced approach to your situation that you are proposing. I would only add, a periodic check (1/4rly maybe?) that the job is still serving you and that you do not feel compromised?

KK