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Here’s where the story ends…

1545557596063

Comments

  • KajiKita
    KajiKita Posts: 6,210 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    beanielou said:
    Nae wonder that you are scunnered. 
    Feel like working to rule til it’s sorted but I know I would cave.
    Gah! This needs escalating!!

    KK
    As at 15.01.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £244,153
    - OPs to mortgage = £7,443 , Interest saved £2,775 to date
    Fixed rate 3.85% ends November 2029

    Read 3 books of target 52 in 2025, as @ 26th January
    Produce tracker: £7 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. 
  • skint_spice
    skint_spice Posts: 13,165 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    beanielou said:
    Nae wonder that you are scunnered. 
    Feel like working to rule til it’s sorted but I know I would cave.
    Gah! This needs escalating!!

    KK
    Apparently we are not allowed to get in touch with payroll but to go through someone, I emailed her last month with no response so damn straight it’s getting escalated! This is my fifth pay from them…
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33

    Mortgage OP 2025 £1850/10000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £42,232

    39 pay days until freedom!

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • KajiKita
    KajiKita Posts: 6,210 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    KajiKita said:
    beanielou said:
    Nae wonder that you are scunnered. 
    Feel like working to rule til it’s sorted but I know I would cave.
    Gah! This needs escalating!!

    KK
    Apparently we are not allowed to get in touch with payroll but to go through someone, I emailed her last month with no response so damn straight it’s getting escalated! This is my fifth pay from them…
    < clears path for The Skint Spice on Mission >

    KK 
    As at 15.01.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £244,153
    - OPs to mortgage = £7,443 , Interest saved £2,775 to date
    Fixed rate 3.85% ends November 2029

    Read 3 books of target 52 in 2025, as @ 26th January
    Produce tracker: £7 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. 
  • beanielou
    beanielou Posts: 93,948 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    That’s just beyond ridiculous. 
    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*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • savingholmes
    savingholmes Posts: 28,682 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    KajiKita said:
    KajiKita said:
    beanielou said:
    Nae wonder that you are scunnered. 
    Feel like working to rule til it’s sorted but I know I would cave.
    Gah! This needs escalating!!

    KK
    Apparently we are not allowed to get in touch with payroll but to go through someone, I emailed her last month with no response so damn straight it’s getting escalated! This is my fifth pay from them…
    < clears path for The Skint Spice on Mission >

    KK 
    Love that KK.  Best of luck Skint. I'd be fizzing mad.. 
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K with 227 payments to go - now £177.5K Equity 29%
    2) CC1 £12465 (0% expires Aug 26), CC2 £9208 (0% expires Aug 25) & CC3 £240 (0% exp Mar 25)
    3) CC debt offset by £26.1K savings & £5.1K investments
    3) Mortgage neutral by 06/30 (AVC £17.7K + Lump Sums DB £4.6K + (25% of SIPP 1.18K) = 23.48/£127.5K target 18.4% value 17/1/25
    4) FI Age 60 income target £13.7/30K 45.7%
    5) SIPP £4.7K 17/1/25
    6) Set up new income streams: Start up costs £260
  • skint_spice
    skint_spice Posts: 13,165 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks all, apparently payroll have not received anything from the t@x office… mmm I think they talk nonsense so it won’t be fixed this month either. 

    Day off today, will finish shopping, breakfast with a friend and see DM later. Got a 15 hour shift tomorrow so would just like a rest but maybe Sunday?


    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33

    Mortgage OP 2025 £1850/10000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £42,232

    39 pay days until freedom!

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • savingholmes
    savingholmes Posts: 28,682 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks all, apparently payroll have not received anything from the t@x office… mmm I think they talk nonsense so it won’t be fixed this month either. 

    Day off today, will finish shopping, breakfast with a friend and see DM later. Got a 15 hour shift tomorrow so would just like a rest but maybe Sunday?


    Can you ask tax office direct and then give it them some mo excuse?
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K with 227 payments to go - now £177.5K Equity 29%
    2) CC1 £12465 (0% expires Aug 26), CC2 £9208 (0% expires Aug 25) & CC3 £240 (0% exp Mar 25)
    3) CC debt offset by £26.1K savings & £5.1K investments
    3) Mortgage neutral by 06/30 (AVC £17.7K + Lump Sums DB £4.6K + (25% of SIPP 1.18K) = 23.48/£127.5K target 18.4% value 17/1/25
    4) FI Age 60 income target £13.7/30K 45.7%
    5) SIPP £4.7K 17/1/25
    6) Set up new income streams: Start up costs £260
  • skint_spice
    skint_spice Posts: 13,165 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I called the tax office and hopefully work will action it this time🙏
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33

    Mortgage OP 2025 £1850/10000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £42,232

    39 pay days until freedom!

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Well done on calling the tax office - best now than in Jan when they get super busy with filings 
    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
  • skint_spice
    skint_spice Posts: 13,165 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Let’s hope January sees me being paid correctly!

    I am shattered, need to finish shopping and wrap but just want to veg. I am having a pj morning on the sofa chilling with my furry friend, had a late night as she was miffed at my long day at work yesterday and as I got home at ten it was after midnight before I got to bed.

    Today will also involve much cleaning, tidying and laundry. All I want for Christmas is a rest😂
    Mortgage End Date: Apr 36/Aiming for Apr 28/Current Oct 33

    Mortgage OP 2025 £1850/10000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £42,232

    39 pay days until freedom!

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
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