*sigh* this may take a while
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The area we live definitely doesn't help, a lot of her friends have high earning parents. They also had their children later and most stopped at 1 or 2 children. Whereas I've just turned 40 many of her friends have parents in their late 40s. early 50s; 2 full time incomes, no childcare costs.
I've tried explaining the differences, but she's all 'well you should have stopped at 2' or 'why don't you work full time'. Neither goes down well with me!
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
Weight 07/02/2021:92.5kg - YTD: -4kg, Trips to tip: 02/52 - Rooms Painted: 0/4 - Jan Steps (L:Av:H): (463:2767:9366)
Debt 07/02/2021:£107.5K -- YTD:[email protected]%:£1933/£12299 - Mortgage Neutral:£3.3K/£101K - EF:£2.9K/£10K
Total Debt Reduction 2016:£13.4K 2017:£8.3K 2018:£20K 2019:£16K 2020:£37.5K 2021 Net YTD(01/02/21): £8.8K
In other news, I've applied for a new job. Same hospital, slight promotion, would entail more training which would lead to a bigger promotion. I'm ambiguous about it; I'd have to work 3 days at the hospital instead of the 2 I do at the moment... but the salary increase means I could drop my other 2 jobs, meaning more free time overall. On the other hand, the work would be harder and I'm unconvinced whether radiography is still for me. Will be interesting to see how it plays out....
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
I've noticed things like kids parties, I used to spend at least £10, but actually quite easy to halve that and still get a decent kid's gift. Between the 5 of them, they probably go to 4-5 parties a month, so that's £25 saved.
My phone is up for renewal and usually I would just upgrade to the latest apple. This time, my phone is in good nick and I've gone for a SIM only deal. The battery isn't great on my phone, but even if I keep it a year, it'll save me about £350.
I'm looking forward to payday, feeling pretty skint and also want to update my signature with the first lot of payments :-)
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
Weight 07/02/2021:92.5kg - YTD: -4kg, Trips to tip: 02/52 - Rooms Painted: 0/4 - Jan Steps (L:Av:H): (463:2767:9366)
Debt 07/02/2021:£107.5K -- YTD:[email protected]%:£1933/£12299 - Mortgage Neutral:£3.3K/£101K - EF:£2.9K/£10K
Total Debt Reduction 2016:£13.4K 2017:£8.3K 2018:£20K 2019:£16K 2020:£37.5K 2021 Net YTD(01/02/21): £8.8K
Another 1lb lost this week, so that's 4 in total now. Think that may be my last free pass and I'll actually have to make some effort for the next 10!
I went for a decent walk today, I have National Trust membership - they are fab if you have a large family as you don't get hammered for anything over 2 kids! So I went to a local one with a friend and we had a walk and a natter. I had a gift voucher too, so free hot chocolate and cake, yum.
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
I've been doing some babysitting in recent weeks, which has been a nice little extra. Most of it has now gone on the items above!
I registered as a childminder last year and haven't actually used it. I'm debating setting up properly to do it... where I live, childminders can charge £6 per hour and as my youngest starts school in September, I could earn well. I need to decide if I'm definitely finished with radiography first though.
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
EF £310 . SPC 039
# savings# £1101. Savings 2 £40.50 H2S £200.00
I am very much looking forward to pay day tomorrow, we pay our direct debits on 1st, so I won't update my totals until then, but it will be nice to have a bit of money in the bank! I already know we won't be overpaying cards this month; Christmas expenditure is sitting on a card and my tax return payment will go out. My main aim this month is to keep to budget and carry on with spending diary and mindful spending.
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.
Been doing some decorating today, we had all the stuff in already, so no cost implications. It's nice to be getting little bits done.
My 6 year old went to a party and I had spare gifts left over from last year too, so no cost there too.
Eldest wanted to go into town and asked for money for lunch and cinema... I suggested she went in after lunch and then her and her friend come back here for the family roast and they watch a film here instead. She liked the idea and it saved me £20, although I ended up giving them a lift into town - doh.
New savings goals: House renovations £0/£15000, FFEF £0/£15000
Mortgage June 2020: £340K, aim to OP £100 per month minimum.