📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Buying a little piece of Middle England; Manifesting my way to mortgage free.

1119120122124125328

Comments

  • Watty1 said:
    We are a funny lot.  Waiting excitedly for bills and wages to do our budgets :)
    Well when you put it like that 🤣 yes we are 😄
    Thats official ;)  I was so excited to get a small tax refund and apportion it out ;)

    On the job /vision board - yes you definitely could use your vision board superpowers to get a career you love (as opposed to just a job that pays the bills)

    LOVING your garden and you finding paths, clearly that garden has been very loved and it is wonderful you now get to take that on as a very long term project.
     I love established wild gardens and all those trees are fabulous. I would also wait to see what springs up over being there a year before major cutting happens.
    DON'T BUY STUFF (from Frugalwoods)
    No seriously, just don’t buy things. 99% of our success with our savings rate is attributed to the fact that we don’t buy things... You can and should take advantage of discounts.... But at the end of the day, the only way to truly save money is to not buy stuff.    Money doesn’t walk out of your wallet on its own accord.
    https://forums.moneysavingexpert.com/discussion/6289577/future-proofing-my-life-deposit-saving-then-mfw-journey-in-under-13-years#latest
  • Today's shift is done. Shift was easy although once again I got shouted at for the lift being broken. This time my response was a firm 'i'll pass that complaint on to management' and that was all she would get from me. I refused to part with any more energy over a damned broken lift today.
    I spoke to the store manager on the way out and I am on the verge of quitting to be honest. My recent experience has not been retail supervisory and neither it transpires has 2 other new recruits. He put a feeler out to me to see how I would respond I think to his statement of 'we may need to demote you all, I haven't the time to train you'. My response was, I will be leaving in that case. I was hired as XXX job, and it is your responsibility to train me to your standards, on your systems, and if that was never going to happen none of us should have been recruited. I don't even have the energy to be angry. It is the worst run business I have ever come across. I think when I finally quit I won't ever be shopping in there again. It takes a lot for me to put myself out there even for a stupid rubbish job like this after years of abuse and being told I am not good enough. For them to not even know me and say this to me has just deflated me all the more. I am MORE than capable of this job. I just do not know their systems nor how they like things (my guess is disorganised because it is all I see everywhere I look). DP has told me to quit........I am on the verge. I will sleep on it. I have tomorrow off anyway. I hate to be a quitter but I haven't had a good shift once since being there. There is another supervisor there who has worked in one of their other stores and she doesn't seem to like any of the new supervisors. It's a shame really, she could have had the help she clearly needs from us all. She runs around like a headless chicken stressing all shift. And none of us newbies can help because we haven't been given 'permissions' to do so yet. Anyhow, I am feeling rather upset, stressed and very deflated this afternoon.

    I had a customer come up to me today acting like she knew me and asking how I was etc, and I have that thing, I don't recognise people if they aren't exactly as I knew them years ago and even then I will sometimes forget. Turns out I did know her, we were army wives together, both of us now divorced and moved away from that area, and we used to run coffee mornings for years together. It made me a little worried for my memory to say the least. She had put on weight, but not that much. 😏....I do think high levels of stress has an impact on memory though so I will just put it down to that. 

    Dinner is just some YS sausages in YS buns with chips. Kids will be happy with that.
    Company car is gone. Good news with the new one though, £40 almost filled the tank! It is a 2L so I thought it would be expensive to fill but DP says engine size doesn't always equate to tank size or somefink like that 🥴:lol: whatever, it is good news. 

    I might go stick a jumper on and get some fresh air with the dog. I need to shift my mind a little I think :smile: 
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • Just my view but from what you have said it is giving you no joy, and it'll suck the life out of you until you do quit.  Quit while its a 'not the right job for me so I havent put it on my CV'.  No worse off than before. 
  • HotDog2020
    HotDog2020 Posts: 593 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 24 September 2024 at 4:42PM
    The role sounds positively ghastly, you have been 100% unhappy from start to finish and it doesn't seem to be improving...you could focus all your attention on looking for a better job if you quit. I don't like to suggest to quit, but in your case I think you will be much better off quitting, if you don't those nagtaive moments you have been having will become negative hours/ life and it will be even harder to get a job when you are that negative. Not so much negative but the bounce you had will go...your thread has become less positive to some degree, the light is still in you but less bounce...I hope you understand what I am saying. 

    Also I know what you mean about not having confidence to go self employed, my MD says why not run a bookkeeping company with the rest of the time that I have (if I were to get the job), however I want more experience before doing anything like that, and quite frankly I like being employed and not having to worry about the next pay check. However if your only experience is of this poor nature I would be tempted to perhaps try it out, maybe do a mood board what services could you offer, how long how much etc do you need any more qualifications or could you go for it? Is everything ready, what do you need? Are there any grants for businesses just starting up? I overheard someone at the job centre giving advice to a young lady who was starting a business...what information can you get that will release some of the worry? is there any support from the government before you start, how will you advertise your service?

    Wishing good things, HotdogX
  • If only I hadn't put it on my most recent application. I ummed and ahhed over it and it was insistent on two references so I put it. D'oh. So hence my now umming and ahhing over dammit I want to quit but not sure if I need to stay for the reference........... :neutral:
    MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123, June 1st, £115,536, New mortgage added for extension- £165,000 July 1st!
    Mortgage Overpayments - September-December, £152.46. J- £103.27, F- £115, M- £91.50, A- £100, M- £200, J- £200. J- £200. Aug-£200.
    Total- £1362.23
    Goal pay off 1% of current mortgage in 1 year. £1650

    EF- first goal £300
  • If only I hadn't put it on my most recent application. I ummed and ahhed over it and it was insistent on two references so I put it. D'oh. So hence my now umming and ahhing over dammit I want to quit but not sure if I need to stay for the reference........... :neutral:
    If you are worried...your notice period should be 1 week as you would not have done probation, hand in your notice.
  • redofromstart
    redofromstart Posts: 5,861 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    edited 24 September 2024 at 4:52PM
    I agree, give polite non explanatory notice (not the right role for me)  and offer to work it. Actually there is no statutory notice required from either side during the first month so check your written T&Cs  which may specify more.

    what can your references other than confirm dates of employment and that you resigned. Very few companies say anything else.
  • KajiKita
    KajiKita Posts: 7,782 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 24 September 2024 at 9:26PM
    I agree with the quit consensus. You have only just moved house, probably still have masses to sort and your body is already protesting. Be kind to yourself and give yourself a bit more time to settle in etc?

    When it come to the lack of NSDs, there’s nothing worse than moving home to create that kind of challenge …. 😉 As and when you’re ready, Cathybird’s monthly NSD challenge is companionable and fun 😊
    https://forums.moneysavingexpert.com/discussion/6550774/splendid-septembers-no-spend-days-challenge#latest

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 42 books of target 52 in 2025, as @ 9th August
    Produce tracker: £276 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • MFWannabe
    MFWannabe Posts: 2,458 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I have to agree, obviously I don’t know you but this job is increasingly getting you down 
    Everything was going well with the house move and DP’s new job 
    You’re not reliant on your salary so I wouldn’t work somewhere that I hated x 
    MFW 2025 #50: £1139.75/£6000

    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    27/12/24: Debt: £0 🥳😁
    27/12/24: Savings: £12,000

    07/03/25: Savings: £16,500

  • Agree with everyone else. It was so easy for you to get this job, a better one will soon turn up. The longer you stay, the harder it will be to leave and your confidence will take further beatings.
    Mortgage start date Nov 2014  - £90,545 over 25 years
    Re-mortgage Oct 2017 - 78,295 over 23 years
    Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
    Current Mortgage Outstanding Middle December 2020 - £
    47893.35 - a reduction of £42,652 in just over 6 years!  


Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.