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

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Comments

  • All the very best SH!
    Debt - £10,000

    Small changes..... Big Differences!
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks for the good wishes. I got thro an exceptionally difficult and challenging interview yesterday - and I am through to a 3rd stage which wasn't originally part of the plan.

    Tomorrow I have an assessment test, informal interview and tour for a much more local job. If I get thro that, then I have a second stage about 1.5 weeks...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Thanks for the good wishes. I got thro an exceptionally difficult and challenging interview yesterday - and I am through to a 3rd stage which wasn't originally part of the plan.

    Tomorrow I have an assessment test, informal interview and tour for a much more local job. If I get thro that, then I have a second stage about 1.5 weeks...

    Blimey.... what happened to one interview and then the job is yours!! Best of luck SH and WELL DONE for sticking with it all, it must be stressful.

    :A
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • Hi everyone, how are you all?

    Life is manic here, the new job is keeping me busy, busy.....but I am enjoying it. Money situ is the same but we are doing ok at the moment.

    Sorry for not being around so often, I seem to spend my whole time working or thinking about work at the moment. Oh and driving and drinking coffee... for some reason my caffeine intact has gone mad!! Must correct that.

    I would love to hear how you are all doing.

    Lol
    xxx
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • Hi Ruby

    Glad new job is going well but remember your work life balance lol!
    SH well done on interview progress, keeping everything crossed for you
    Hi Cas - I'm going to grow some veg this year too I think
    IC - hope the 2 jobs are going well - your treat sounded lovely , am v jealous!

    My OH has gone to France with pals to see the rugby so am having to do all school/meal/clubs etc stuff. He has saved for two years for this so not costing extra ( well, better wait and see on the spends :eek:) but makes me appreciate having a partner - single parenthood is definitely tough.

    Work is bleuughhhh with bright spots occasionally. Potential reorganisation looms which will mean change but I can't see it improving much :confused:

    Money rumbles on - there always seems to be something cropping up just when I think I've got it all nailed down.

    Any way, I feel brighter that spring is slowly creeping in and that means longer and warmer days which makes me feel better.

    Must go and carry on being a domestic goddess

    Belle
    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.
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Thanks for the good wishes. I got thro an exceptionally difficult and challenging interview yesterday - and I am through to a 3rd stage which wasn't originally part of the plan.

    Tomorrow I have an assessment test, informal interview and tour for a much more local job. If I get thro that, then I have a second stage about 1.5 weeks...

    crikey the competition is stiff ,as Ruby says what happened to one interview, it seems to be the thing to make everyone jump through hoops, sounds like you have done really well, keep it up and good luck for subsequent hoop jumping :rolleyes:


    hope everyone is ok had a very busy week at work but i'm off tomorrow and it is DH's birthday tomorrow too, we are going to see Blood brothers as a birthday treat, cant wait its a brilliant musical drama
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi all - 3rd stage Thursday!!! and a poss 4th after that they told me today - unbelieveable - but good money and job should come with a car or car allowance... woohoo - drive a Y reg currently!!!

    On the test I think I did okay - hard to tell. I was up against 15 others!!! The test was 75 minutes long!!! It was worse than my exams that I have done as there was nothing obvious you could revise if you know what I mean...

    Making some progress on debt repayment but being cautious and keeping a bit more floating in my bank account in case I don't have a new job by April!
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £171.8K Equity 36.37%
    2) £2.6K Net savings after CCs 10/10/25
    3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
    (If took bigger lump sum = 60.35K or 47.6%)
    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 £5K updated 10/10/25
  • Hi all - 3rd stage Thursday!!! and a poss 4th after that they told me today - unbelieveable - but good money and job should come with a car or car allowance... woohoo - drive a Y reg currently!!!

    On the test I think I did okay - hard to tell. I was up against 15 others!!! The test was 75 minutes long!!! It was worse than my exams that I have done as there was nothing obvious you could revise if you know what I mean...

    Making some progress on debt repayment but being cautious and keeping a bit more floating in my bank account in case I don't have a new job by April!

    Blimey - what more do they want? Blood??? I hope the pay packet will reflect the trauma that has gone into getting the job :rotfl:Seriously all the best for Thursday - will be thinking of you and hope it goes well.
    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!
    SH good luck with the numerous tests / interviews, if you get the job you will need a month off to recover :rotfl:
    YB you're right it does seem like overkill on SH's interview doesnt it. hope you are ok
    IC where are you? hope you are ok hon
    Ruby how is the new job going have you settled in?

    having some trouble at work, a newish manager seems intent on causing rifts between people. now I have had a letter calling me in for an official meeting regarding disharmony within the team. whatever next! doesnt she realise any group of people working closely together are going to have occasional fallouts, it happens in all walks of life, I dont even know what this is related to. maybe someone has complained about me. anyway I wont find out till the 18th when my call up is.

    anyway off to costco later to have a mooch around
    hope you are all ok xx
  • Oh Cas - that sounds awful. Hope you're not too anxious - a letter sounds a bit OTT, couldn't they just have an informal chat?
    Hi to all , SH still sending you lots of luck
    Getting there...slowly! :D

    GC : must do better
    NSD: very rare

    No matter how slow I go I am lapping everyone on the couch.
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