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

greenbee

What a lovely way to end/start the year.

One tip I was given was that when I got my first pay packet after a payrise (and finally knew what it was) was to put the extra into savings and try to manage on the same budget as before. While I'm definitely not still living on the same budget as when I had my first job, it is worth doing for a while if you can stick to the current budget for day-to-day stuff. If you put the extra in an instant-access account then you can use it for your DIY spends without dipping into the EF. Or to rebuild the EF. Or to OP the mortgage. Or even, if DP agrees, to pay into a personal pension for yourself (technically that would mean DP paying more towards household expenses and you putting your pay into a pension, but it works out the same!). That way the payrise isn't used up with 'lifestyle inflation', and can make a more tangible difference to you all. 

daisy_1571

Just a thought- If you do have to give up your job for a while mind transfer part of your tax free allowance to him so you get a little but more tax free, might save a decent amount of tax if it takes him out of higher rate 

Dxx

debtfreewannabe321

greenbee said:

What a lovely way to end/start the year.

One tip I was given was that when I got my first pay packet after a payrise (and finally knew what it was) was to put the extra into savings and try to manage on the same budget as before. While I'm definitely not still living on the same budget as when I had my first job, it is worth doing for a while if you can stick to the current budget for day-to-day stuff. If you put the extra in an instant-access account then you can use it for your DIY spends without dipping into the EF. Or to rebuild the EF. Or to OP the mortgage. Or even, if DP agrees, to pay into a personal pension for yourself (technically that would mean DP paying more towards household expenses and you putting your pay into a pension, but it works out the same!). That way the payrise isn't used up with 'lifestyle inflation', and can make a more tangible difference to you all. 

Yes that would be ideal. I'd love to have some savings. I've tried to work out what the extra would be using wage calculators I found online but it's hard to know without all the exact pension/ shares we buy and pay into. 
I think I might have to put our budget up to bridge that last month though it's getting so hard to make it to the end of the month lately 🙈.

debtfreewannabe321

daisy_1571 said:

Just a thought- If you do have to give up your job for a while mind transfer part of your tax free allowance to him so you get a little but more tax free, might save a decent amount of tax if it takes him out of higher rate 

Dxx

I don't think he can use it because we're not married yet? If I'm wrong someone can correct me because that could be really useful. I am under the tax threshold with my job so I don't pay any tax at the moment. But there isn't a lot left in my personal allowance after my wage. 

debtfreewannabe321

I'm home and made it through the day without falling asleep. Seemed a common theme today at work lots of people who slept badly. Glad it's not just me stifling yawns 🥱.

An opportunity has arisen at work for a different role. And different to the one I went for previously and then pulled out of 🫣. It's less about emotional overload (like the other one would have been for me) and more about coaching. Someone actually approached me and asked if I'd be interested because they thought I'd be great for it. They're on the interview panel and gave me a quick run down of it. It means dropping a day at work. But.... It is more pay, and considering DP promotion I have said yes I think I'd like to take a look at that thanks. I'd also like to take some time for me and to heal properly.... I seem so tired, old, achy, unfit and not like me lately. There is also opportunities for overtime and a possible permanent position at the end (it's temporary again like the other one. ) I think I'd be able to go back to my old job at the end so I'd get paid summer holidays still too so shouldn't lose my job. I'll take a look anyway...

DP has a call this afternoon to speak to him about his new job and tomorrow I think is when everyone he works with also finds out that he has the job and whether they're keeping theirs or not. So stressful and I feel sorry for anyone about to lose their job even with a good redundancy package. 

Not a NSD I came across a little Xmas market and spent a few quid. Was definitely a LSD though and I also managed to get some more free parking permits. I also found a pound coin 🪙 earlier on and yesterday DP also found one at the gym! Perhaps things are about to change for us, and for the better 😌🙏🏻♥️.

KajiKita

That role sounds like a really positive opportunity - even if it doesn’t lead to a permanent job at the end of it, you’ll get some breathing space and you’ll get useful experience to develop your career in a more positive direction for you. 

And yes, you have worked hard for a long time. It’s about time you had a bit of good fortune 😊❤️

KK 

debtfreewannabe321

KajiKita said:

That role sounds like a really positive opportunity - even if it doesn’t lead to a permanent job at the end of it, you’ll get some breathing space and you’ll get useful experience to develop your career in a more positive direction for you. 

And yes, you have worked hard for a long time. It’s about time you had a bit of good fortune 😊❤️

KK 

I think breathing space is exactly what I need but keeping my foot in the door to somewhere... 😄♥️ I've just read the JD and it sounds interesting so I will spend some time putting together a personal statement for it tomorrow I think as the job closes soon!

debtfreewannabe321

Okay, I've tweaked my personal statement and run it and the JD through AI to make sure I didn't leave any out and I've sent off the application. Got nothing to lose I already have a job ...so we'll see 👌🏻.

KajiKita

Wow! That was quick, well done 👏😊

Best of luck with the application 🤞😊

KK

debtfreewannabe321

KajiKita said:

Wow! That was quick, well done 👏😊

Best of luck with the application 🤞😊

KK

I wanted to have my day off, as a day off 🤣 not spending it doing the PS and application like last time @KajiKita