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Buying a little piece of Middle England; Manifesting my way to mortgage free.
Comments
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I agree that they wouldn't invite you for interview if you didn't have the skills that they are looking for - especially for 2 hours! Good luck with it.
They have adaptations of some of the VC Andrews series (Flowers in the attic series, Heaven and some others I think) on C5 catch up
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee1 -
I love this forum, I'm just catching up and echo everything that has already been said but also what a joy to read a place where people build others up. So joyful.
And yeah, they invited you because you fit the spec - no one interviews people that don't match up - and fabulous advice on next steps You've got this.Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!3 -
Aww thank you all 🙏🏻 ( @daisy_1571 the job is where I work just in a different department so I know where to go thankfully as I hate the stress of a new place and parking etc). I appreciate all your comments very much.
So I've told my manager and also two others so kind of feeling obliged to see the interview through now. Someone who I know who went for similar job said two hours is not right. Half hour for written bit and about half hour for the interview. That made me feel less stressed to be honest.
DP has heard from the bosses. New structure is out. Lots of job losses and people will be scrambling for big redundancy pay out or the jobs that are being retained. I think there is something like 3 jobs to every 6 people in certain areas. So half have to go. 😬
We've been talking about other ways to survive/ live/ and move forward and I think the consensus between us is he will fight for the job, I will go for my interview but we will both look to find other things. DP is considering a self employed route ...one he nearly did before but dismissed because he got this current job. And I am still pondering as to what I want to do. At nearly fifty years old 🫣🤦🏻♀️🤣.
I spent most of today scrubbing DD room, the bathroom and toilet room clean. Mostly in DD room 🙄🙄🙄. I still need to go hoover and mop it but ran out of steam to be honest. Dinner is made at least just needs re-heating and pasta made.
Did an exercise class this morning and a bit tired and achy now.
Should have spent the day prepping for the interview but will do that this weekend instead. Need to go back over some courses I have done and just pull out the info they will ask about. It seems a lot of effort when I really am not sure I want it 🙈 I just want out of what I do now. Feel a little bit like I'm jumping out of the frying pan and into the fire.
I was going to see my friend today after she rang me crying this morning (they've had a tragic death in the family) but she's cancelled because her DD is not doing well with it (her dad and friends ex). So I threw myself into cleaning instead as have so much going on in my brain right now it was the only way I could clear it. 😬 In fact if my foot wasn't so bleeding sore I would quit my job and get a few cleaning jobs a week. Work independently, work whichever hours suit, and I like cleaning I get a sense of satisfaction from it- it is like a mindful exercise to me where my brain clears whilst I'm doing it. But foot too sore so will plod on for longer as I am.
It is so dark I think I need to get some vitamin D tablets soon....can't find my sad lamp it must be in a box somewhere 🤔.4 -
I've just found out via a friend that the job I'm interviewing for is likely to only be six months. I think it's a bit naughty they didn't state that on the job ad. She thought I ought to know before giving up a permanent position 🫤.
It's maternity cover and the lady only has another six months left of it (they had someone else do the job as temp and they've moved on). I don't want to lose my job as rubbish as it is for only six months of guaranteed work (if I got it). I've been stressing and revising all afternoon / evening on policies and acts and gawd knows what else and now I'm really in two minds over it 🤔🤔🤔.
I think I'll sleep on it but I would rather at least a year's temporary role or permanent. Interviews every six months is too stressful for me. 🙈. Anyway I won't act on impulse I have a few days to think about it.4 -
Would they perhaps let you do it as a secondment? Then you would go back to your original position but get experience that might lead to something else?Mortgage OP 2025 £7550/7000Mortgage OP 2024 £7700/7000
Mortgage balance: £34,196
Money making challenge £78/400
”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)2 -
Is it worth clarifying the position with them? There might be a plan that your friend does not know about ???Made it to mortgage free but what a muddle that became
In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!1 -
Exactly. Maternity cover is usually advertised as such, and the same with fixed term contracts. They may have realised they need another person in the role. They may know she's not coming back ... or not to that role...Watty1 said:Is it worth clarifying the position with them? There might be a plan that your friend does not know about ???
If it's an internal move, they definitely won't interview you unless they think you might be a good fit as it costs them twice to interview you! So prep for the interview (all interviews are good practice after all) and make sure you have questions lined up about the role.2 -
Afternoon all,
Thank you for all your input ❤️ I love this site for bolstering confidence and knowledge 😃!
Yesterday was DP birthday so straight home from work and was busy busy.
He's heard more about his job, the consultations should be done by beginning of Dec which is an improvement on the few days before Christmas that we initially heard. There is also a new job opening as people have been moved into different roles across the business in the merger. So DP is aiming to either retain his job (it IS on the list to keep but I think I said before 6 of them and only 3 being kept) or go for the new job opening as he's the only one who's qualified for the extras this role needs. It is also a step up, so next band up.... wouldn't it be amazing if he comes out of this with a promotion instead of redundancy. If it is redundancy though it's not as awful as we initially thought, he should get enough money to live off for a few months at least. And he's only been there a year. It makes me wonder how big the redundancy package is for the long timers!
I've pulled out of my interview. I've spoken to a few who do the job and asked them to tell me what it entails. Hours. Job spec (the bits they don't put on the application) and everything else I might need to know. So after I had all the info I worked out wages, extra stresses, hourly rate and also new child maintenance payments based on that (as I have to pay ex). I'd be doing 13.5 hours more a week and after tax CM and whatever else I'd be earning £270 extra a month. The hourly rate seemed a pittance to me and so I've declined it. I'm afraid I'm not one to put myself through a stressful experience (the interview and prep) when I don't really want the job anyway 😬. I should have sat and thought about the pay and all of these things before applying but instead I applied on a knee jerk reaction of DP impending job loss (which hopefully won't happen now anyway). So yes. It's done. I've unapplied. 🙈 That is a first for me.
I've since applied to a few other places not in a panic but after looking at job spec and pay etc and have been fussy enough that should I get an interview to any of these I'd happily go to it. promise 😆
This weekend I'm chilling and not stressing about interviews 🙌🏻💓. I think DP should be less stressed too so we can have a nice weekend instead of the stress we have had for the last few weeks.5 -
I’m glad the news is not as ferociously bad for DP as it immediately seemed. Good luck to him for applying for the promotion role 😊🤞And if the worst happens, at least you will be past Christmas (always a dead time for recruiting) with his pay off.I think you made the right decision about your job application. A new job should always be an improvement on where you are - sometimes from not having one at all! 😉 but in your case, moving on from a job, teams, management, routines etc you know and can work with reasonably well for now. It takes energy and effort to move roles and settle in at a new job, so I think you are right to make sure what you are moving to is really what you need.I really hope you do get a lovely weekend together and get to celebrate DP’s birthday a bit more 😊
KKAs at 15.10.25:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £229,702
- OPs to mortgage = £12,345 Estd. interest saved = £5,863 to date
Fixed rate 3.85% ends October 2030
Read 64 books of target 52 in 2025, as @ 11th November
Produce tracker: £426 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.2 -
Thanks @KajiKita🙏🏻
Well I had my first proper sleep in quite a while last night. I think a relief and adrenaline leaving my body kinda sleep both from cancelling the interview and consultations being done.
I'm dropping DD off at work today then popping to the shops for some bits and going home, laying on my sofa and watching TV. With not a single care about anything else that needs doing. I'm having a day where my poorly foot is off the floor, up in the air (well up against the sofa will do 😂) and some trashy TV.
DP is occupied for most of the day so I can watch what I like. He signed up for a self employed venture and info about it and is on a conference thing today about it. He's super excited. He is of the opinion why can't I do this as well as keeping my job. I taught him all the principles of manifesting what he wants and he's doing it. Me on the other hand, I'm so aware I'm in the wrong head and heart space for manifesting anything. And it has to start with some self love and care...so that is what I'm doing today 😊.
I went to the gym yesterday and managed 8 minutes on the elliptical trainer before nearly collapsing. I sat outside waiting for DD and DP and then thought over my Thursday (over 20,000 steps done, all on a flat surface but still...) and Friday, we were up and down rickety old stone stairs from basement to floor three ALL day it's no wonder I was too tired for the gym. So I sat happily playing free cell instead 😂.
Shepherd-less pie is already cooked bar the mash on top, so dinner is super easy too.
I think I'm seeing my friend tomorrow after the tragic death in her family so I need to rest today or I will not be reset for Monday! So here goes...let's see if I can do nothing for a whole day 😁🤞🏻.3
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