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Teetering on the brink

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Comments

  • bubblycrazy
    bubblycrazy Posts: 342 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic

    That looks great!

    MFW -
    House purchase £62500
    Original mortgage balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
    Balance 18/01/2023 £28940
    Balance 06/10/2024 £22168
    Balance 08/10/2025 £18417


    Mortgage free 09/10/2025!! Mortgage paid off in 11 years, 1 month, 11 days 🥳
  • Cherryfudge
    Cherryfudge Posts: 15,081 Forumite
    Part of the Furniture 10,000 Posts Name Dropper

    Oh, that's very good news! My mind was boggling at the cost of having scaffolding up for three years plus, but if it was his own, I expect that wasn't a factor. How lovely for you to be free of it!

    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
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  • EatingBeans
    EatingBeans Posts: 727 Forumite
    500 Posts First Anniversary Photogenic Name Dropper

    I have spent the entire day randomly staring at the sky from my living room window! I still can’t quite believe how much of a difference the scaffolding being removed has made. I swear it is like someone having an extension knocked down because I keep wondering where the rest of the building is. 🤦‍♀️ I am sure I will eventually get used to it, but honestly, having never previously seen the view without scaffolding, it feels really weird. 🤣

    Anyway, since today was quite a cold day I decided to pause the outside stuff and spend the day working on my CV, my LinkedIn profile and applying for jobs. As much as I really would like to never work again I thought it useful to have everything updated and ready-to-go in case I spot any jobs that tickle my fancy. That was my plan anyway. Then, having spent so many hours getting everything updates and feeling a bit like I was ‘all dressed up with nowhere to go’, I decided to apply for a few. None of which were really what I wanted but technically they were all in the right ball park so I figured it couldn’t hurt. Now, knowing how my usual job hunting goes, it will be just my luck and I’ll end up in one of those ‘not quite right’ jobs! I never seem to get the jobs I really want and I always end up sending random applications in like this and it is those jobs I end up getting! 🤦‍♀️ Must stay strong this time! If it is not right I should say no. 🤞 The reality is I still haven’t even officially left the current job so I have time to be picky but I get carried away as I just hate the process and want it over with. Then I generally take a job and regret it. 😞

    Still, it was a good job getting everything updated if nothing else. 😊


    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
  • bubblycrazy
    bubblycrazy Posts: 342 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic

    Oh you've just described my luck with jobs! I didn't apply for my current job, I applied for something completely different and they said I was unsuccessful but would I like this one. Not surprisingly, I'm currently job hunting as it hasn't worked out. I also hate job hunting so I sympathise with your situation. Good luck!

    MFW -
    House purchase £62500
    Original mortgage balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
    Balance 18/01/2023 £28940
    Balance 06/10/2024 £22168
    Balance 08/10/2025 £18417


    Mortgage free 09/10/2025!! Mortgage paid off in 11 years, 1 month, 11 days 🥳
  • EatingBeans
    EatingBeans Posts: 727 Forumite
    500 Posts First Anniversary Photogenic Name Dropper

    oh @bubblycrazy I totally empathise! That is exactly how I ended up in my last job!

    Fingers crossed you find something soon. 🤞


    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
  • EatingBeans
    EatingBeans Posts: 727 Forumite
    500 Posts First Anniversary Photogenic Name Dropper

    After my flurry of job applications yesterday I have decided to go back to just applying at universities again. The problem is that means I will also certainly have to travel a ridiculous distance but the chances of getting reasonable adjustments made to enable me to wfh most of the time is fairly high so there’s that. I do like working at unis so I think that is just a price I will have to pay.


    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
  • bubblycrazy
    bubblycrazy Posts: 342 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic

    Chiming in again to say I've also realised I miss working in a university and that is my focus! Wishing us both success, fortunately I'm certain we won't be fighting over the same posts 😄

    MFW -
    House purchase £62500
    Original mortgage balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
    Balance 18/01/2023 £28940
    Balance 06/10/2024 £22168
    Balance 08/10/2025 £18417


    Mortgage free 09/10/2025!! Mortgage paid off in 11 years, 1 month, 11 days 🥳
  • EatingBeans
    EatingBeans Posts: 727 Forumite
    500 Posts First Anniversary Photogenic Name Dropper

    It’s funny how universities feel so different isn’t it? The only problem is they are so few and far between that it often means having to look much further from home than if you just look for a more general job. 😬

    As usually happens, I have now received an offer of a telephone interview for a job I applied to which is isn’t a university sadly. The pay is less than I should really be looking for but it is a job I could see that I might genuinely enjoy (and in theory be less stressful), so I thought worth a shot. I can see how it would help fill in some gaps on my cv that might make it easier to jump up in the direction I really want to go even after a year of doing it, so I think it would be worth the short term sacrifice. Plus, if I get a job quickly then I effectively just pocket the leavers cash and that would make a substantial dent in the debt! 😁 It would of course mean I have to actually turn up every day and do a job, but I’ll cross that bridge when I come to it! 🤣


    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
  • bubblycrazy
    bubblycrazy Posts: 342 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic

    Ooh good luck for the telephone interview! 🤞

    MFW -
    House purchase £62500
    Original mortgage balance 28/08/2014 £52850
    Original MF date: 2049:eek: Aiming for: 2025
    Balance 27/07/2016 £49990
    Balance 08/07/2017 £47999
    Balance 30/07/2018 £44500
    Balance 01/08/2019 £40700
    Balance 03/09/2020 £37619
    Balance 30/09/2021 £33983
    Balance 18/01/2023 £28940
    Balance 06/10/2024 £22168
    Balance 08/10/2025 £18417


    Mortgage free 09/10/2025!! Mortgage paid off in 11 years, 1 month, 11 days 🥳
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