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Comments
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Gah! This needs escalating!!skint_spice said:
Feel like working to rule til it’s sorted but I know I would cave.beanielou said:Nae wonder that you are scunnered.
KKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 25 books of target 52 in 2026 as @ 5th April.
Produce tracker: £73 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
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…KajiKita said:
Gah! This needs escalating!!skint_spice said:
Feel like working to rule til it’s sorted but I know I would cave.beanielou said:Nae wonder that you are scunnered.
KKMortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30003 -
< clears path for The Skint Spice on Mission >skint_spice said:
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…KajiKita said:
Gah! This needs escalating!!skint_spice said:
Feel like working to rule til it’s sorted but I know I would cave.beanielou said:Nae wonder that you are scunnered.
KKKKAs at 17.03.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £219,071
- OPs to mortgage = £17,793 Estd. interest saved = £9,021 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 25 books of target 52 in 2026 as @ 5th April.
Produce tracker: £73 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.2 -
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*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.2 -
Love that KK. Best of luck Skint. I'd be fizzing mad..KajiKita said:
< clears path for The Skint Spice on Mission >skint_spice said:
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…KajiKita said:
Gah! This needs escalating!!skint_spice said:
Feel like working to rule til it’s sorted but I know I would cave.beanielou said:Nae wonder that you are scunnered.
KKKKAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/261 -
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 OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30001 -
Can you ask tax office direct and then give it them some mo excuse?skint_spice said: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?Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £167.4K Equity 38% 3/4/26
2) £3K Net savings after CCs March 26 (but owed £1.1K) so £4.1K
3) Mortgage neutral by 06/30 (AVC £36.2K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 42.1£127.5K target 33% 27/2/26 (If took bigger lump sum = 64K or 50.1%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5.2K updated 16/1/261 -
I called the tax office and hopefully work will action it this time🙏Mortgage OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30004 -
Well done on calling the tax office - best now than in Jan when they get super busy with filingsDON'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#latest3 -
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 OP 2026 £640/2000Mortgage balance: £32,222
Make £50 a month Jan £20, Feb £0, March £31, Apr
Boiler fund £1981/30001
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