Mortgage free wannabe part 2

V3cash

Daughter has had a fibro scan and nothing to report. He said her liver looks normal.
Just got to wait for MRI appointment 

V3cash

So Disney are happy with daughters scan results it seems and now we have a bit of time to get the other tests done, we can breathe.
on the work front i have got past the first few stages and just a couple more shifts this week before starting training for my actual job.
Just paid off another £10 today to round that mortgage down.
looking if I can Achieve my MFW goal of £300 more this year, as I’ve got until July I don’t think I’ll bother, I will just OP small amounts to round down total.
I have a lot of expenditures coming out this month
boiler service £135
car tax £195
plumbing bill ?
hubbys prescription service £114.5
Car insurance £?
think i need to up budget for house/car insurance to £200/mth.
i did also buy a few things from shein but i needed some trousers and they were really cheap, probably will get some £ back as im sure I’ll return something.

small win with GIFF GAFF , they are refunding my money and i will start again with a different email address as it seems i have a lot of accounts linked to my personal email which is messing up my joining.

On the in laws house sale front things are moving at a crippling slow pace as first buyers are bringing £ in from America and Dubai for deposit so the money laundering checks are slowing the process.
we think things must be moving though as they have arranged to survey the house they are purchasing so we are hanging on in there.
the chain is only 3 in total (including us) so better than some.Our buyers are off to Spain for 2 weeks but they have checked that they can sign electronically if needed. They are good at keeping us updated as the estate agent is bloody useless!
one day we will sell it but we have kind of forgotten about the sale and what that means for us as it’s been really difficult process. I suppose we still can’t believe it will happen.
don’t think it will change us much as we have some savings and my hubby still buys cycle gear off Vinted, loves a bargain that one 🤣🤣

V3cash

Happy Monday, my how the weekends fly!
my final week training before I start my job and I’m already looking for another job, found one with funding for post grad diploma in CBT which is right up my street. Starts January so at least I’d know by then if this job is for me and if it isn’t I don’t have too long to bare it!
I also have to give 3 mths notice so knowing in advance really is helpful, have to obviously get said job too 🤞🤞I just have to be the right person on the day.
i have heard my present company are rubbish at approving AL and I can’t fight with people over what I’m owed.
I’ll apply this week for the new job.
hubby and I are off for a well deserved holiday ( hubby that is, I’ve had a holiday already), away for our anniversary, looking forward to that at end of hard 5 weeks slog!!
this AL was arranged before I started so had to be honoured 👍
This week should be totally online so saving fuel but I have to go in one day as we have a planned electricity cut Tuesday. I have over 100miles fuel left so my 20 mile round trip should be alright. 

Plan 5 no spend days this week !!
plumbing bill £135 paid out of £ from octopus balance on closing account , remaining balance I’ve allocated for elec/fuse payments as that is not a set amount but i can estimate it via app pretty accurately, set up a elec ac in chase

carboot_karaoke

V3cash 

i would need some capital to do some nail courses etc.
seriously thinking about it but I am older now, not sure about all this social media advertising you now need to do 😕
do people just want young therapists?

Definitely not,  I am always happy to have a slightly older technician and the experience they bring. 😊

Sorry things aren't working out with the new job. 

Enjoy your holiday x 

V3cash

carboot_karaoke said:

V3cash 

i would need some capital to do some nail courses etc.
seriously thinking about it but I am older now, not sure about all this social media advertising you now need to do 😕
do people just want young therapists?

Definitely not,  I am always happy to have a slightly older technician and the experience they bring. 😊

Sorry things aren't working out with the new job. 

Enjoy your holiday x 

That’s nice to know, thanks for that 
I was self employed years ago and i definitely have lots of experience, would have to brush up with a few courses but that would be fun.
need to see if this training course job pans out.
presently work for NHS, would have to leave for a year which would impact pension.
if I left to go self employed i would then need to invest in private pension.
the good thing about the new job is at the end i could go back to nhs at higher banding and do private work on side so could overpay nhs pension to try to make up shortfall.
its a risk either way but i think happiness is important too!
I also need to give this job 5-6mths as it’s so different from anything I’ve done.
i thought a lot of people may go for the CBT training job but a lot of people probably wouldn’t take risk and not everyone likes studying, unlike me 😊a lot of the people this would attract due to qualifications are band 6’s and pay is more band 5 too which will also put some off, whereas it’s more than my present part time salary.
anyway i have not even got an interview yet 😜
money wise, i like being away as our Visa card will have a rest with us budgeting from our holiday fund.
paid plummer 
gonna pay car tax from next mths visa budget.
any extra wages will cover boiler service.

V3cash

Got car insurance this month too but have a saving pot for that.
my hygienist is also this month but will shunt it to next month as it’s booked on a work day now and I don’t want to travel out do that then back again to work.
hoping there will be a small amount left for mortgage op and savings running still at £500/mth in natwest and first direct savers.
on house sale news, the buyers still have questions to answer at underwriters.
our buyers have agreed to put theirs back on market after a month and given their buyers a time frame.
hoping that gees things up a bit.
their house is in a sought after area so will sell again no problem..

V3cash

So huge spend outs to help daughter off on her cruise ship but the upside is, she gets to work in her dream job and we will have less expenditures for 9 months.
Will miss her but the finances will be able to recover.
have managed to save another £50 off mortgage and am going to work on that and getting savings back on track.
kinda lost hope the house will sell and it’s soon gonna start costing, if it was just us we would have rented it out but as his sister is joint owner she not keen, such a lot of wasted opportunities to save cash, keeping fish is my main bug bear as i would have sold fish and emptied pond, saving electricity.
if this sale falls through we will seriously need to consider doing some £ saving as it’s gonna cost over winter.
Anyway trying not to think about that too much and just keep saving.
once I’m past my probation period I think I’ll try and do some overtime to save£ as we will need to factor a trip to Bahamas to visit daughter.
yes she is the gift that just keeps giving.
we can get cheaper cruise deals but my work is so bad at AL I can’t see them just giving me time off with short notice, might have to just bank with them if I can keep nhs pension.

V3cash

So op a little bit more on mortgage to round numbers down.
nice to see interest drop from £120 to £114 now.
only got £235.96 left to overpay between now and July next year.
definitely doable goal.
now working on TSB and getting the switch bonus.
I’ve done everything apart from the card purchases.
so i need to make 20 card purchases in a month.
this will have to change how i budget or i need to buy 20 small items separately.
Then i need to help hubby get separate bank ac and move some D/D over to him so we can they do bank switches   Need to start with a bank that doesn’t do switch incentive.
started my CBT course which I self funded this week and I’m enjoying it, think I will learn a lot and even if I don’t get the job it’s another qualification to add to cv.
I also need to write tax people a letter as they basically said i could not get relief for my professional registration, I can’t believe they said I do t need to have it for my job !! That’s just rubbish as I can’t work in my profession without it and I’d argue i need union membership too as it covers indemnity and gives your legal representation if needed. What tripe! Can’t believe they make it so difficult, makes me mad as I’ve worked from 16, never claimed any benefits all my life and that’s what you get!!

V3cash

So my job is going better, nearly through training and 🤞I get my final sign off Monday hopefully.
my coach has also been amazing and I mean amazing!!!
she’s put me forward for masters in advanced practice as she was so impressed with me, it’s been so nice to feel appreciated.
im sorting the annual Leave issue out and to be fair I’m glad they didn’t approve my first leave as I now will need later in year anyway.
So all stable now on the job front!!
daughter is in Canada living her dream and due to sail in a couple months after rehearsals, am I a tad jealous..ABSOLUTELY!!🤣
electricity has already gone down due to less boiling of kettle 🤣🤣
groceries down too, we are back to our frugal happy ways ££
mind you this month has been so expensive 
I’ve had car insurance, car tax, hubbys yearly prescription payment and boiler service, next is car service, unfortunately through Busseys so it’s £440 😢 so savings has taken a hit and I will be topping that back up hopefully next month.
i don’t plan to spend anything on clothes for myself but hubbys wardrobe is in desperate need so will need a shopping trip to get him some stuff.
we have decided not to worry about Christmas prezzies too this year as we are saving for a trip to see our girl.
luckily we don’t buy for family as they are grown.
Hoping to get some cash from tsb switch 🤞🤞🤞
also hoping octopus will refund balance of £84, they are painfully slow sorting out bills once you leave, moved to fuse as it was cheaper at the time, annoying how things change and then you are locked in, anyway i dont mind them as I quite like paying for what i use and i have about £500 saved that i did manage to get back from Octopus account before i switched.i like seeing estimate, i then can budget , i think anything over £150 I’ll take from £500 pot each month.
at the moment its about £80 so thats good.
anyway thats enough from me, happy Sunday, im gonna spend some quality time with hubby ❤️

beanielou

All sounding good.