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The Ongoing Saga of Ruby Trying to Own A Home
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Thank you all, feel a lot better after getting that all written down as it's helped me realise just how much (big and small) has been going on and no wonder I'm just feeling overwhelmed and a bit burnt out!
debtfreewannabe321 said:Oh blimey.......and breathe. That's a lot to digest. I hope your dad will be okay.
Work- if a few of you are perhaps being made redundant would it be better to jump ship to a new job whilst there is less people looking, or is the redundancy package a good one? I hope it all works itself out for you, it's so stressful when everything is up in the air.
So with that being said, today's little wins have been:
- Submitting my application for the "new" job
- Cleaned the living room while I was on a call that I didn't need to contribute much too
- Prepped dinner for when DH gets back from Birmingham
- Made my lunch for going into the office tomorrow
- Finished my latest book while eating my lunch
Only one more call to get through and then more cleaning and organising to do!Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20175 -
I'm assuming DH's job is secure in amongst all this? If so, then I think if it was me then I would just sit tight and leave them to make the moves. I'd also be thinking about putting the complaint/grievance in now rather than later, just so it's at the forefront of their minds that you're not going to be a pushover. That might make them more likely to either decide they can afford to pay you off after all so they can just get rid of you (hello cash cushion 😀!), or make sure your new role is at the same level and they don't try and force you into something less seniorMortgage start: £65,495 (March 2016)
Cleared 🧚♀️🧚♀️🧚♀️!!! In 5 years, 1 month and 29 days
Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed
Finally earning interest instead of paying it!!!3 -
If they can't afford to make you redundant then I would stay out as you'll get another job with them. And if you need the income I guess this is the easiest option rather than searching for jobs that don't exist. I agree with SC put the grievance and complaints in now.... I also reckon they might want to just pay you off or at the very least will not demote you/ take away from your pay.MORTGAGE BALANCE when we moved Aug 2024, £120,000. January 1st £118,267.06. May 1st, £116, 123Mortgage Overpayments - September-December, £152.46. Jan £103.27, Feb £115, March £91.50, April £100, May £200.
Total- £762.23
Goal to pay off 1% of current mortgage in one year. £1200. (63.5% there)
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Oh yes DH's job is secure at the moment @SouthCoast *touch wood* and he might be getting a promotion soon anyway but who knows as he also works for a different public sector body 🤣
Complaint went in this morning as we've just been informed that there is now a freeze on all recruitment activity across the board until the end of May and since my consultation doesn't finish till 7th April, according to our HR rep, that means this whole thing is affected too. Have had a swift response from HR Director to say she will review and get back to me by the end of next week which isn't very helpful but we'll see what happens. Just sitting tight for the moment and trying to reign in DH with his house and garden plans 🤣
We've also been told that we have to be in the office 2 days a week which means I need to revisit and review the budget to see where I can find the extra money to pay for fuel / parking for the next couple of months at least. In fact I just need to sit down and review it full stop and try to see where we can cut back if we have to. Good news-ish is that I've now saved enough to pay off our holiday for September which is kind of all inclusive so I know if it all goes wrong, at least I'll still have a holiday this year!Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20174 -
First of the month, new financial year, new start...
Work stuff is officially on pause. They can't tell me what's happening or going to happen with the new post but they can assure me that I won't lose my current role and I can withdraw from the process at any point and they'll just keep me in my existing role. Very tempted to do that as it's only an extra £50 a month for the new job (after tax etc.) which HR didn't realise. Boss is being very supportive and checking up on me. Feel a lot better having that bit confirmed after a weekend of not much sleep about it.
I am determined that now we have the start of a new financial year, this is the time to start on the NSD's again and just reducing our outgoing spends as much as possible. Need to sit down and refresh the budget this evening but feeling determined (again...for the millionth time 🤣)
Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20174 -
Well April came and went..
in what feels like a blink of an eye and also like it was 3 months long.
Work hasn't changed really - although after lots of meetings and paperwork, my boss has been approved to recruit me into the new role, subject to an informal interview next week...
DH has been shortlisted for his promotion opportunity and is also being interviewed next week, on the same day as me, which also happens to be his birthday 🤣 I have his present sorted (tickets to see Inside Number 9 later in the year) and have budgeted to take him out for a meal on Friday. Just need to pick him up a card now.
May is the birthday month for me with DH, my dad and my mum all having birthdays very close together. This year is a special one with my dad turning 75 and my mum turning 70 two weeks apart, and the week in the middle is when my dad's having his surgery. We were going to all go away for a little trip which isn't happening now until we see how my dad is. So I don't have a present for either of them because I feel a little in limbo. I want to treat my mum as she's had to put up with my dad over the last 2 years (which hasn't been easy, believe me....) so might take her for afternoon tea but other than that I have no idea! Feel like a rubbish daughter but my brain is a little on strike at the moment.
On the house front, we spent Easter weekend stripping wallpaper in the hallway and landing ready to have the plasterers out in June (an my goodness does it need it!) I think that may be the last big project of the year, not that there's a lot of things left to do in the house 🤣
Money wise...I've been a little bad and treated myself to some new (to me) clothes. I know that when I get round to clearing my wardrobe out this weekend (I've said it now, it's going to happen) I will be getting rid of a lot of stuff. So I ended up on vinted one night and may have bought a few things. Did I really have the money to spend? No. But I did it anyway. I'm not in debt, the money will come from one of the many many pots but that's not the point. I need to be better about my spending habits.
Just like I need to be better about my eating habits. I've put on almost 2 stone in weight and I think it's just from comfort eating. But it's becoming harder and harder to lose as I'm probably now in the menopause so it's just another thing that I need to get under control.
Hopefully I'll come back next week with a more coherent post; as I said earlier, my brain is a little bit on strike at the moment.
In the meantime I'll leave you with this quote I saw on someone's instagram a couple of weeks ago that has resonated with me a little bit (just need to act on it now):
"You don't need it. You want it. You're bored. You're anxious. You can't find what you have. You forgot what you have. Take the time, instead of shopping and go thought your stuff to see what you have an know what you need. Appreciate and use the thinks you spent so much time and energy to buy and keep"
Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20176 -
Hope all goes well for you both next week.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.1 -
Good luck with both interviews!
Be kind to yourself on the flat brain front. You've moved house, had your job threatened, your Dad's facing surgery and you're menopausal. Just one of those gives enough stress to flatten the brain, have 4 in one go is going to pancake it entirely!"You won't bloom until you're planted" - Graffiti spotted in Newcastle.
Always try to be nice, but never fail to be kind - Doctor Who
Total overpayments in 2021 - £901.28!2 -
VintageHistorian said:Good luck with both interviews!
Be kind to yourself on the flat brain front. You've moved house, had your job threatened, your Dad's facing surgery and you're menopausal. Just one of those gives enough stress to flatten the brain, have 4 in one go is going to pancake it entirely!
Glad your job security is in place at least and I understand your determination to get that mortgage down
I have also put weight on during this menopause thing (& adjusted my hrt) it’s super common
However I have had to accept I either do something about it or carry the extra stone plus - I read the very motivating Prof Roy Taylor books ‘living without diabetes’ -and he is very insistent we all should be able to fit in our trousers we wore at 21 (!) or face big health complications - every extra pound is fat that sits around our organs - he says we all add on average on Uk 0.5kg each year from our 20s just from slight overeating
but it’s also ok maybe for you right now to admit there is too much stress and you should focus on life first ? Vs adding a diet on top of itDON'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
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