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My diary... becoming debt free whilst still having a life!!!

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Comments

  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    very sweet cas! very unusual!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • Hi Ruby and fellow musketeers

    Quick visit to wish Ruby good luck this week as I think the new job really starts now :rotfl:
    Hope the rest of you are keeping spirits up, can see Cas has been having fun :rotfl: - any job news SH? How's life IC?

    OH just made Sunday lunch so about to join family. Hope you all have a lovely rest of the Sunday
    x
    Getting there...slowly! :D

    GC : must do better
    NSD: very rare

    No matter how slow I go I am lapping everyone on the couch.
  • Thanks YB, good day at work today (at last). Thanks for thinking of me.

    How is everyone else this wet Monday evening?:D
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    glad it went well Ruby I bet its a relief to have got going on it at last.
    SH any news on the job front?
    hope Belle and IC are ok

    we had more snow last night just enough to make life difficult around rush hour this morning
    had to take DD2 for physio on her knee, however it does seem to be improving. she was in a gala yesterday and won all her races, so at least her knee pain isnt slowing her down

    feel incredibly tired at the moment, probably just the time of year, I could do with going to bed right now but I want to watch Dr Who on sky:D
  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi all - finally got an interview not until next week though but at least it is a step in the right direction. Applied for a public sector job yesterday - took me 4 hours - then had to send it from work as it refused to receive from my e-mail address!

    Other than that just plodding on...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Got another interview next week now too- not ideal location but decent money - wish me luck.

    Ruby hope new job and your brother's treatment are going well!

    Hello to cas, belle and irish chick too - and 1 step if she ever still lurks on here
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
  • Well done SH - good luck, what days do we need to keep all fingers and toes crossed? :rotfl:
    Hope work still going well Ruby and that Cas and IC are good too.
    No news here - just plodding along. Am on leave next week - hurray! Aim to do lots of jobs that have been lurking around for too long
    Getting there...slowly! :D

    GC : must do better
    NSD: very rare

    No matter how slow I go I am lapping everyone on the couch.
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Hi Belle I'm on holiday next week too, it will be half term so it will be nice to spend some time with the kids.
    SH good luck with the interview let us know how you get on
    Ruby how is the job going ?
    IC how are things with you?
    i'm off work today felt really ill at work yesterday, came on very quickly and i just had to come home. a bit better today thank goodness, but I am resting, on here and watching tele at the same time

    hope you are all ok x
  • Hi everyone, YB and SC I am on leave too next week, yippee!! :j Well from now actually because I don't work Fridays. Enjoy half term with your children, I know I am hoping too.

    SH good luck with the interviews, what are they for and when?

    IC, how are you doing?

    It has been a mad and hectic week but a good one, this job is certainly going to be different but I like it so far even though I haven't and won't have a desk of my own. Permanent hot desking from now on....!! I have ordered my laptop and PDA (which I think is a personal digital assistant) or such like... basically a phone that allows you to access your emails and stuff. We will wait and see whether I can get on with that!!:eek:

    Off to have a glass of something pink and a sit down.

    Lots of hugs
    xx
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • savingholmes
    savingholmes Posts: 29,051 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi my interviews are Monday and Wednesday they are for a managerial job - don't want to say more on an open forum... but thanks for the good wishes...

    I now have another interview lined up with an agency that has lots of attractive jobs but has never put me forward for any - that is on Wednesday too so I will have 2 interviews on Wednesday and 1 on Monday! Work are being fantastic and letting me have time off with pay. Kids will be at MIL's all week as I didn't dare take holidays in case I am job less come the end of March! (As I will get paid for them then....)
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £172.5K Equity 36.11%
    2) £1.8K Net savings after CCs 13/9/25
    3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
    (If took bigger lump sum = 54.5K or 42.7%)
    4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise)
    (If bigger lump sum £15.8/30K 52.67%)
    5) SIPP £4.8K updated 13/9/25
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