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Dilemma, Dilemma, Dilemma

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Comments

  • beanielou
    beanielou Posts: 99,208 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy birthday 🥳 
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • northwalesd
    northwalesd Posts: 1,417 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Have a lovely birthday 🎂
  • Humdinger1
    Humdinger1 Posts: 2,887 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Happy birthday QofH! Has the marching band we all sent you arrived? Love Humdinger xx 
  • Aw you beautiful people! Many thanks for the birthday wishes! Had a lovely relaxing day with a pub meal. Did't make it for a run but thats tomorrows plan! 
    2026 financial goals & challenges!

    1). Mortgage (started Jan 2024) £99,186.79/ £122,400.00 Overpayment total: £1405.13 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 31%

    2). #47 Save 1p a day challenge 2026 £30/£780

    3). £2638.90/£3000 - Investment ISA (32/50 investments)

    4). CC debt - £21,268.02. Aiming for £19,999.99 31/12/2026

    5). £257.66 / £1000.00 - EF

    6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED
  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,370 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 28 December 2025 at 9:34PM
    Hello Sunday Evening! 

    OOOPS! Did not mean to go so long without posting! Its been a wonderful Christmas chaos with having the kids back in the hive, we have eaten soooo much chocolate, enjoyed your typical Christmas movies and played lots of different games. I've totally switched off from worrying over money, work etc and its been good to take some time out. I've been proud of myself for getting out regularily with my eldest and we have been running the C25K and got to 8 mins running without stopping... yay go me! 

    Today though I needed to get back to some reality. Its been the sad day we handover the boys back to their dad & family for their second half of the holidays. OH was kind to take them down to the city so I got a relaxing day at home. Its been an easy day catching up with Christmas specials. There was a degree of procrastination as I've been putting off looking at my finances. Its been a big source of stress recently but have made a start. 

    On a more positive note - diet definately starts 1st Jan. Its been diffcult to diet when OH was in treatment but he's stable and at a healthy weight so its time for me to start looking after myself a bit more. I'd love to regulate by eating to enable me to get a better sleep pattern. 
    2026 financial goals & challenges!

    1). Mortgage (started Jan 2024) £99,186.79/ £122,400.00 Overpayment total: £1405.13 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 31%

    2). #47 Save 1p a day challenge 2026 £30/£780

    3). £2638.90/£3000 - Investment ISA (32/50 investments)

    4). CC debt - £21,268.02. Aiming for £19,999.99 31/12/2026

    5). £257.66 / £1000.00 - EF

    6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED
  • Glad you had a good Christmas QotH 💖 I'm also on a diet beginning of the year...just trying to get all the naughty treats done with now tbh so they don't tempt me 🙈.
    Emergency Fund goal - £1000/2000
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 10/24

  • I've decided to start my proper weight loss journey in February. I've already started to make small changes so I'm not doing everything at once, like increasing my water consumption, going outside daily - even if it is only for a couple of minutes.

    I wish you both luck with being successful 🤗
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One
     income, home educating family 
  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,370 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 30 December 2025 at 8:48AM
    Hello Chilly Tuesday! 

    So yesterday was back to work day and my boss called me for a catch up as I WFH. We discussed current workload and the conversation about the temporary contract came up. Sadly and honestly no real surprise this can't be extended so will revert back to my pre-contract terms of part time 20hrs a week.I've had the worry of this hanging over me for 2 months, its frankly taken its mental toll on me but its good to have it confirmed where I stand but its mentally hard. I've had periods of depression before and i'm working on myself to not go backwards. So if anyone has any suggestions to keep on the right path i'd be keen for the ideas. Looking for a better job is the obvious solution or a second job and granted that will be on the list but its not going to be straight forward due to where I live, access to transport etc. I'm going to start with a bit of mood board / vision boarding, focusing on things I can control such as diet, exercise. I've also been in contact with a local lady who does some special offers on head massages. Her offers are usually for days I work but am looking into whether I can book something for one of my week days off in the next week or so. Hopefully thats confirmed today. 
    2026 financial goals & challenges!

    1). Mortgage (started Jan 2024) £99,186.79/ £122,400.00 Overpayment total: £1405.13 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 31%

    2). #47 Save 1p a day challenge 2026 £30/£780

    3). £2638.90/£3000 - Investment ISA (32/50 investments)

    4). CC debt - £21,268.02. Aiming for £19,999.99 31/12/2026

    5). £257.66 / £1000.00 - EF

    6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED
  • Queen_of_the_Hive
    Queen_of_the_Hive Posts: 1,370 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 31 December 2025 at 12:46AM
    A quick evening check in. 

    Today i've made progress: 

    * Head massage is booked in for next week! Hurrah! 
    * Completed another C25K run! 
    * Working day completed. 
    * Bought some yellow stickered meats in the supermarket to compliment the 5p veggies bought last week. Have a beef stew cooking in the slow cooker. 
    * Made sure there is enough money in the bills joint acc for this months bills to be paid. Mortgage comes out on Friday. 

    So a pretty productive day :)

    2026 financial goals & challenges!

    1). Mortgage (started Jan 2024) £99,186.79/ £122,400.00 Overpayment total: £1405.13 (Inc Sprive yr 1 & 2 o/p £70.93, £5.52 Natwest o/p & £55.34 reg monthly overpayment) Equity 31%

    2). #47 Save 1p a day challenge 2026 £30/£780

    3). £2638.90/£3000 - Investment ISA (32/50 investments)

    4). CC debt - £21,268.02. Aiming for £19,999.99 31/12/2026

    5). £257.66 / £1000.00 - EF

    6). Lose weight, get fitter and read 12 books in 12 months in 2026. 2 out 12 COMPLETED
  • @Queen_of_the_Hive @redofromstart has linked a diet thread on my diary which I've joined...if you want some friendly help/ morale boost staying on track with dieting come join us 💖

    I'm sorry to hear about the job going part time. Can you access any benefits to top up your income whilst you look for another job? 

    A vision board is always my starting point. I'd put on mine, happy in my job (as I don't particularly like my job) and earning more money - pretty vague really as I wasn't sure what I wanted to do. We have the VB on our stairs, propped up,  as we wander past a few times a day I always read it and imagine it to be true, and a job literally landed in my lap right before Christmas. More money and I hope I like it better but that remains to be seen. Good luck with yours, fill it with things you love but also can imagine coming true ...not the lotto wins that might seem far fetched but a good full time position that was made just for you, or windfalls that might be just enough to see you through etc. 💖
    Emergency Fund goal - £1000/2000
    Mortgage OP goal 2026 - £1200/£4500 
    Read 24 books this year 10/24

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