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!
Investing in Us: Holidays, Health, and the Road to £150k
Comments
-
Good luck to you today DFW xx2
-
Good luck 😊Mortgage start date Nov 2014 - £90,545 over 25 years
Re-mortgage Oct 2017 - 78,295 over 23 years
Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
Current Mortgage Outstanding Middle December 2020 - £47893.35 - a reduction of £42,652 in just over 6 years!2 -
Hope the new job has gone well.
love 🐞Declutter 134/ 2026
£16.00 saved by growing and eating my own 2026
books read 3 in 2026
£35 - 🥳 funpot1 -
Hey all,
Thank you all so much for the good lucks
I appreciate them.
So I'll try to remember what's occurred over the last few days. It has been one of those weeks where lots has happened and it is only Wednesday. 🙃
Monday- had my ENT app, waited a while and got seen in good enough time and was in there five minutes- pretty peeved about this tbh. I wanted a hearing test this is Allllllllllllllll I asked for initially an entire year ago. That doc thought I had menieres, this consultant did a few checks and disagreed with Meniere's but wants me to have an MRI dunno what he was concerned about after looking in my ears, asking me to walk the line like I was drunk and asking random questions. Is this usual for someone who just wants a flipping hearing test? ! ? 😫 Pretty annoyed to be honest, he is also sending me for a hearing test, 8-10 week wait 😑 losing the will here with this ........ I know I should be happy he is being thorough- unsure what with, but feels like he's being thorough? but still....
Then I literally went straight to work, met with my new boss and she was lovely. I knew her already but not in this capacity. We just had a chat for a while and I was thinking, hold up you aren't throwing me straight in to class and expecting me to learn on the job?!! (like last job) .......the tutor I will be working alongside has a Monday and Friday off so she wasn't in, so I met the other lady I would work with and she is office based. I was given a laptop, computer, desk and phone and I thought, ooo I feel like a grown up and was being treated like an actual person rather than a disposable number. I had a list of admin tasks to do, like uploading car documents as my job is part office, part classroom, part outside college based and other random bits. I had a nice chat with the lady I would work with and I honestly thought, wow, this doesn't feel like work? The day went quickly and I didn't feel as exhausted as I usually do after a day's work. Usually I would work 6 hours a day but it is ALL student facing, continually being mentally and emotionally tested and exhausted for every single minute of that time. Sometimes physically exhausted too if on a practical day. So I was feeling quite happy on Monday evening, although a little tired as I had been a little stressed the night before and sleep was lacking.
Yesterday I turned up bright and early, I had asked what hours I needed to do- I need to be flexible but generally Mon-Fri, 8-4.30 or 8.30-5 ....and if out and about that might be a little different but was told so long as you do your hours, are with students when needed, not bothered really. I met the tutor and the students yesterday, and it was my 'usual' Tuesday group anyway, so no different and I think the students struggled with the transition of me not being there for one reason but there for another, so yesterday I did sit with them as I usually would for most of the day - was tired at the end of it. The problem I can foresee though is the two ladies I will work alongside, and not necessarily under, but they are training me, are arguing over things already. One told me to book visits out for Friday and Monday this week & next, to fill out some forms, and I was happy to do that. That job seemed easy enough and I was looking forward to that part of the job (visiting employers for students) then other lady in the office then got huffy about it saying the form had already been filled out by my predecessor and the employers would get moody with us constantly changing our minds. I just stood there thinking, !!!!!!, why aren't they on the same page. I have learned a long time ago not to get emotionally involved (drained) with this in-house disagreements so I will speak to the tutor tomorrow and see what is what with this not agreeing and they're going to have to agree that one of them takes reigns on this training over the other as from Monday we will have another new starter who doesn't even know either of them and will also be thinking !!!!!! have I walked in to with the arguments. Unprofessional in my opinion and really not needed. I noticed both were kind of rolling eyes at one another's decisions and I just thought, here we go, I will last 5 minutes if this is the case ongoing. I cannot be bothered with the stress of it. So I left yesterday afternoon feeling a tad confused with what I will be doing going forwards. Also a little deflated. I will speak to them tomorrow.
Last night my cousin came over and so I had to entertain all evening too, we ended up getting take out as no one could agree on food, I think she was scared of vegetarian food *rolls eyes* and dd was wanting pizza and I was wanting peace. So we got three different take outs delivered. I had a nice Pho dish which was really nice. We went to bed early ish but I felt wired from being switched on chatting till bedtime which wasn't good.
Today we were up bright and early for DD driving test, we were the first to arrive at the test centre, dd was super nervous and so was I tbh. The test instructors all came out together and collected their subjects one by one. One poor guy failed his test before he even began on the eye sight test ☹️ DD was first to leave the centre, so she got that far, followed by the others that were allowed to continue. She came back first too- by seconds it was like they had all followed one another round. She had failed ☹️ there is a junction right before the test centre that a student at her school failed on and she failed in the exact same spot- even with his warning. It felt like a bit of a set up to me. There are no white lines on the floor, nothing to suggest it is a junction, it looks more like a curve in the road and then there is a big gate on one side off that curve, but she was told it is a junction. She should have stopped, what she did was slow down and look before going round but didn't come to a stop. She also got one thing wrong on a roundabout - she counted the exits, nearly took the wrong one because it's a dead end off the roundabout, realised her mistake at the last minute, so carried on around the roundabout and took the right exit but apparently she failed on something she did wrong there too. I knew the exact roundabout as when I first moved here ten years ago I actually took that dead-end exit and ended up down a farm track
and had to do a very tight three point turn to get back out and onto the roundabout to take the next one. Felt so sorry for her, she had got herself so worked up. The minors were only a few things too which were ok. So felt it was a little unfair as it was two things that I think me, who's been driving nearly 30 years, would also have gotten wrong if I didn't know the roads/ area.
Anyway, she came home, ranted, cried, and we booked another test. July ☹️☹️☹️ so I went straight back on to the cancellation website and found one in a test centre out of the city (bout a 45 min drive from here) for early June. I will try again for a nearer cancellation on Monday morning early both in time and geographically. The instructor told her to re-book as soon as she could and that she should be okay next time, so I will try to get her a cancellation sooner than June.
We have an orthodontist appointment to go to yet this afternoon and I am already exhausted. Feel very dizzy today too which isn't good and general feeling of fizzy brain and discombobulated.
Oh and had some bad family news, my cousin had a stroke last week, he is only one year older than DS1 ☹️ minor one, but still. He didn't know until he went to hospital saying he didn't feel right and they sent him away and he went back (cos of the stroke risk in family) and asked for a second opinion, it showed up on the MRI (? I think?) I think he's doing okay and is resting at home, he is the brother of my other cousin who had a stroke last year. Also my cousin who was here told me my mother had received a cheque for 10k- this is how she must have bought the family holiday and passports (minus me obviously) to Portugal or wherever it was they went. My nan had sent it to her as an early inheritance- apparently she is leaving her house worth circa 400k to the youngest son who still lives there (and the other 4 siblings got 10k each 😑 my cousin's mum - my mum's sis- is annoyed at this but like I always think, you should never rely on family members to die and make you rich, make it yourself, if they choose to leave it all to cats that's their prerogative).
Anyway that's all the news from here, DP is on his course and is loving it is buoyed on to make big changed in our lives by starting this new business venture. I am supporting from afar but 100% behind him. My health ain't great, I cannot see me sticking out a job for another 20 years to pay the mortgage and get a pension, esp, full time. So if he can make a bit of money for us to invest, a business, or whatever he's thinking then I am behind him.
Right best be off to make some lunch and DD can drive me to her orthodontist.
Ooo and in the meanwhile of not being rich but still having some small goals, I paid £7.50 off the mortgage
every little helps eh.
Emergency Fund goal - £717.77/1500
Weight loss goal 1 - 1/7 lb
Mortgage OP goal 2026 - £128.27/£4500
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest2 -
Wow, loads going on there. Glad you've had some positives out the new position. I agree you have to take it to your immediate boss and get a definitive on either who you listen to or what to do in all future cases when you are told 2 things. Its not up to you to decide who is right and who is wrong when somebody has told them they are training you. Get that nipped right in the bud immediately 👏 and don't be fobbed off, if there's a personal issue between them their manager(s) should be sorting it not turning a blind eye. Definitely not your place to have to negotiate and navigate between them
Sorry dd failed but glad she got rebooked. Be better weather by then and lighter so hopefully it will all go well. Definitely get her and dp to practice that bit of the route including parking and walking it to see if they can spot clues as to why it was flagged as wrong. (One of the folk we taught faiked her first test, had an argument with tester and came back to us all uppity. She failed as she went straight which was actually onto a side road over a white line, so tye fail was she didn't indicate she was leaving the road she was on. We knew where it was and said theres a road sign telling you the road bends so tester was perfectly right that you had gone off the 'main' road. Well she was having none of that so we all got in car and went to the spot. Theres the sign we said. She glared for a moment then insisted it wasn't there when she went past. That morning. 😆 🤣 😂 Plenty confidence but nae brains God love her 😆 🤣)
Not great about your cousins, interesting thats what your mum chose to do with (what appears to be) the only bit of inheritance she will get. One holiday and its gone!
Fab news about dp, more power to his elbow getting a new business up and running 💪 👏 👍
Dxx
22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈2⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something 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'1 -
Lol @daisy_1571 yep I thought DD might be a bit argumentative over it but she was more deflated and sad. As we drove out I looked at the junction myself and thought aye up, hang on....even I'd have got that wrong!! And as we drove home she pointed out the roundabout she'd failed at and I told her the story of how I'd also got that road / exit wrong too. She seems okay about it now and she's had lots of support from friends who've been through it and gone and done second/ third tests and then passed. Helps she's the baby of the year so lots of friends have already been where she is.
I've just spoken to my friend who briefly worked in my college and now works in a school. She said, well, you'll never guess who I bumped into. Anyway I didn't guess right- It was my predecessor from my current job. The one who went off sick with serious illness apparently and didn't work their notice 🫣 starting a new job at her school! She spoke to my friend - she'd been overworked, underappreciated and fed up of miscommunication between staff. I'm going to say here, I know it could be different for me, but equally it might not 🤣🙈 so here we go again eh. I guess at least I'm paid more this time? Both people who left my current job lasted three months each. I can't say this is filling me with hope 🙈. I hadn't realised any of this obviously when I took it on, I can only hope things are different for me.Emergency Fund goal - £717.77/1500
Weight loss goal 1 - 1/7 lb
Mortgage OP goal 2026 - £128.27/£4500
New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest2 -
Think of it as you desperately needed to leave your old job. You know issues that could occur, so set your boundaries in place from the beginning. Don't be afraid of upsetting people if what they're doing is wrong. Or just plain childish. They maybe need someone to come in and sort them all out!Mortgage start date Nov 2014 - £90,545 over 25 years
Re-mortgage Oct 2017 - 78,295 over 23 years
Re-mortgage Jan 2020 - 55,000 over 26 years @ 1.94%
Current Mortgage Outstanding Middle December 2020 - £47893.35 - a reduction of £42,652 in just over 6 years!1 -
Everyone’s experience is different. Yours will be too for the better. 🤗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.1 -
I think in a way the fact that you know that the two previous people in your role quit within three months gives you ammunition for a structured conversation with your boss. This furore between the two colleagues has obviously been going on far too long!Hugs to DD. Tell her it took me three goes! 😂 And during my last test I told the examiner off because he made me do a three point turn on quite a sharp slope just below a blind summit. He was testing my clutch control etc but I was worried about traffic coming barrelling over the hill at me!KKAs at 15.01.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
- OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 6 books of target 52 in 2026 as @ 18th January
Produce tracker: £29 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353.2K Banking & Borrowing
- 254K Reduce Debt & Boost Income
- 454.9K Spending & Discounts
- 246.3K Work, Benefits & Business
- 602.5K Mortgages, Homes & Bills
- 177.9K Life & Family
- 260.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards


