We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Hopefully debt free before Mortgage renewal in June 2026

1149150152154155161

Comments

  • daisy_1571
    daisy_1571 Posts: 2,996 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    Say you are open to discussing it when they have the go ahead and know exactly what the hours and responsibilities will be.

    If its a goer and suits you then you can go for it but keep looking for something else.

    If not then nothing lost

    Dxx

    22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ 26 🥈 Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you'll be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If youre not already using a thing you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'
  • Spendless
    Spendless Posts: 25,239 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    Agree with Daisy are you also able to talk to someone who currently does that role about what it will entail?

  • also consider if it’s experience that will help to get another job

    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.
  • Tezzadp
    Tezzadp Posts: 1,211 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper

    I have just made my daily £10.00 deposit into my investment pie.

    Total Invested so far this month = £140.00

    Total invested Overall = £1230.00

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    You can take a look at my Trading212 investment pie in more detail here > https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC

    651255818_122200485110466798_3428977681132788046_n.jpg
    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
  • Tezzadp
    Tezzadp Posts: 1,211 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper

    ……………………………

    653710885_122200484954466798_3136919864821419215_n.jpg
    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
  • Tezzadp
    Tezzadp Posts: 1,211 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper

    Thanks for the comments regarding whether to go for the new job or not. I have basically told my manager that it is all just words and nothing will happen unless the person currently in that job leaves/is no longer in that position, like last time i was told there was a job when there wasn't. So i will believe it when it happens really, can't trust a word that comes out of their mouths tbh.

    35.jpg
    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
  • MillQueen
    MillQueen Posts: 227 Forumite
    100 Posts Name Dropper Photogenic

    YES, don’t trust anything said until you have a formal job offer.

    I really appreciate how consistent you are with your investments and I like the visual elements you include in your diary.

    Updated last day of the month… focus, improving overall net wealth…

    Mortgage: starting at -£222,469 (Jan 26) now at -£221,205 (May 26)

    Postgrad Loan: starting at -£8,974 (Jan 26) now at -£8,015 (May 26)

    Personal Loan: starting at -£11,466 (Jan 26) now at -£10,689 (May 26)

    Emergency Fund: starting at £5,511 (Jan 26) now at £2,529 (May 26)

    Investments: starting at £50 (Jan 26) now at £658 (May 26)

    Jan 27 Tax Fund: £1,621 / £3,298.

    Net Wealth: starting at £18,778 (May 26) now at £18,778 (May 26)

  • Tezzadp
    Tezzadp Posts: 1,211 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper

    I have just made my daily £10.00 deposit into my investment pie.

    Total Invested so far this month = £150.00

    Total invested Overall = £1240.00

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    You can take a look at my Trading212 investment pie in more detail here > https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC

    653960926_122200485212466798_4303480652826090006_n.jpg
    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
  • Tezzadp
    Tezzadp Posts: 1,211 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper

    …………………………..

    647207790_1247979877543809_2431146196509186837_n.jpg
    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
  • Tezzadp
    Tezzadp Posts: 1,211 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
    edited 23 April at 9:51PM

    Thank you. There has been no other mention of it since and no sign of the other employee leaving so i guess nothing is changing for now. I'm still keeping my eyes out for external jobs for the long term anyway, so i'm not that bothered.

    Thanks, i like to drip my investments on a daily basis as this helps to average out the total investment over time. With pound cost averaging playing a big part in gaining an edge when dips occur, as previously discussed. I also find doing it daily helps me to keep focused and disciplined to carry on if im constantly revisiting my portfolio and updating my spreadsheet. I am enjoying my investment journey so far, although slow as it is only early days but the longer i do it for the more interesting (pun intended) it will become with compounding of interest taking effect and growing the balance more quickly.

    I do like to give a couple of motivational quotes with my posts just to add a bit of food for thought and to think about.

    Debts  Jan 6th 2025 = £6465.60 
    Natwest CC £0 - 25/12/25

    If you are interested in investing, you can get free shares up to £100 if you open a Trading212 account with this link > > https://www.trading212.com/invite/FMcH7elU

    My Savings T212 investment pie https://www.trading212.com/pies/ltzw4Wew651jgq4oGrepyrZJB4TgC 

    X (Twitter) : https://x.com/Savvy_Squirrel_
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
  • 354.6K Banking & Borrowing
  • 254.5K Reduce Debt & Boost Income
  • 455.5K Spending & Discounts
  • 247.5K Work, Benefits & Business
  • 604.4K Mortgages, Homes & Bills
  • 178.6K Life & Family
  • 261.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only 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.