The Ongoing Saga of Ruby Trying to Own A Home

167891012»

Comments

  • South_coast
    South_coast Posts: 5,700 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    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 senior
    Mortgage 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!!!
  • debtfreewannabe321
    debtfreewannabe321 Posts: 9,018 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    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, 123

    Mortgage 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)

  • ruby_eskimo
    ruby_eskimo Posts: 4,772 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • ruby_eskimo
    ruby_eskimo Posts: 4,772 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    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 / 1000
    Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 2017
  • beanielou
    beanielou Posts: 94,668 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    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.
  • VintageHistorian
    VintageHistorian Posts: 968 Forumite
    Eighth Anniversary 500 Posts Name Dropper
    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!
  • LadyWithAPlan
    LadyWithAPlan Posts: 3,620 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    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!
    I agree completely

    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 it 
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 349.8K Banking & Borrowing
  • 252.6K Reduce Debt & Boost Income
  • 453K Spending & Discounts
  • 242.8K Work, Benefits & Business
  • 619.6K Mortgages, Homes & Bills
  • 176.4K Life & Family
  • 255.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.