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Teetering on the brink

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Comments

  • EatingBeans
    EatingBeans Posts: 704 Forumite
    500 Posts First Anniversary Photogenic Name Dropper

    Day two back at work and pain free! Fingers crossed it was just a weird blip caused by trying to skim read over a thousand e-mails all at once! 😬

    Still no actual work to do so instead I decided to check out the employee benefits page to see if I am missing out on anything useful. I can indeed get a free eye test and glasses voucher - so I have applied for that. I also discovered a free Will writing service so I spent the afternoon writing my Will! 🤣 It’s one of those things that has been on my to-do list for years but I’ve always had better things to be spending my money on. Free though - how could I resist! 😁


    End of
    Sep-25
    Oct-25
    Brother 7,800.00 7,650.00
    Overdraft owed 0.00 0.00
    MBNA CC 11,481.53 11,504.06
    Barclaycard CC 9,662.17 9,558.10
    Fluid CC 1,046.44 1,036.29
    NatWest CC 11,705.36 11,693.03
    Aqua 1,127.94 1,107.94

    Total debt

    42,823.44

    42,549.42
    Paid off in the month 211.33 274.02

    Interested in my diary? Check out...
    https://forums.moneysavingexpert.com/discussion/6580468/teetering-on-the-brink/p1
  • itsthelittlethings
    itsthelittlethings Posts: 2,322 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper

    Unless an email says I’m going to die if you don’t reply I think we can safely say it can be ignored if you have over 1000 of them.


    Trigeminal Neuralgia is supposed to be very painful. I used to have an amazing colleague who suffered with it. I perceive it as like a bad sinus infection all the time. Must be hell.


    Congratulations on going back to work.

  • ellenvan
    ellenvan Posts: 362 Forumite
    Fourth Anniversary 100 Posts Name Dropper Photogenic

    Glad you are feeling better whilst earning.

    Definitely check out all the freebies while you can.

  • daisy_1571
    daisy_1571 Posts: 2,977 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    Yup, I used to diligently work through oldest first trying to deal with them. Just about gave myself a breakdown. Then I got wise that I'm dealing with things that the person has emailed someone else about and they've already answered. So then I used to put them in sender order, go to immediate line manager and delete all the stuff that's now rubbish as it applied to when I was off - window cleaners coming, stationery request to be in by Mon, any meeting requests for when I was off etc. Then go back to date order and look at the last week or so, everything else move into a folder called 'sick leave early 2026' then it's there if you do need to find it.

    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'
  • Cherryfudge
    Cherryfudge Posts: 14,942 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    It's great to hear you are pain free! Fantastic!

    And a nice set of useful freebies.

    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
  • daisy_1571
    daisy_1571 Posts: 2,977 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    Brilliant ! Well done keeping it all in perspective. Mr d retired during covid and didn't get to wander about saying cheerio to people so if you get any face to face time that would be lovely

    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'
  • stymied
    stymied Posts: 679 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker

    Does returning even part time reset you to full pay sick leave I.e. has it solved your money problems temporarily?

    So glad to hear the new tablets are working. Why didn’t they give you them earlier!!!?!

  • daisy_1571
    daisy_1571 Posts: 2,977 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 5 April at 3:11PM

    Hmm, Eatingbeans, sorry but not sure who might have got the wrong end of the stick.

    In civil service if someone returned on what we called part time medical grounds, we generally wanted them to do the same days a week as they usually work (if they could) but less hours on each of those days, gradually increasing the hours till they got back to their normal hours by the end of 12 weeks. So, for example- Jeannie who is contracted to work 24 hours a week over 3 days, 8 hours a day, and was on half pay. If Jeannie returned 4 hours a day (instead of 8), there would be a more complicated calculation but basically she would get full pay for the 4 hours she were working and the balance of her hours is classed as still on sick leave so she would still be on half pay for those hours. (The sick hours are still classed as sick absence would still be adding up towards her going on to no pay but of course each week she would be doing an extra hour or couple of hours so hopefully wouldn't be building up too much more sick absence.)

    So in my calculation you would indeed be on full pay, but only for the hours you are working iyswim. That combined with half pay for the balance of your day/week at half pay should mean you get more in your pay packet than you have been getting when fully on half pay only, but it won't be your normal pay packet. If your company does the same as we would do, of course.

    You should have been accruing annual leave for the time you have been off sick though so you may find you have more annual leave to take than you think? Could you perhaps take half days each day you are due to work between now and your leaving date? Then you'd be on a full pay packet (from your date of return of course) and doing an informal fully paid form of ptmg ie you'd be on full pay for the hours you work plus, obviously, be on full pay for your half day annual leave. This may also suit your employer if they don't really have much to give you to do?

    You could suggest doing that even if your annual leave wont take you fully up to your end date and keep your fingers crossed they unofficially let you go home early/clock off early towards your last week or so. Sorry can't remember if you wfh or go in. (Remember to calculate your annual leave allowance right up to your last day not just up to your return to work date)

    Hope this helps if I've got the right idea of your intentions.

    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'
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