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First one to clear 15k gets a paper hat

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Comments

  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Good morning everyone!

    TooMuch, you sound like you are on a roll with the Bingo scratchies. I might try and join that later. It sounds like a good way to make money!

    I am good, just waiting for payday to be honest, and also for my savings to be transferred over so I have some money to pay off my credit card. My OH has applied for a few part-time jobs so hopefully something will turn up. If he could even give me £200 a month to pay of the debts it would be brill and would make a big difference!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • Well my Monday was ok except I updated my snowball with interest applied:mad:
    And now the figure on my sig for the paper hat is wrong:cry: but Friday is going to be my first payday since 18th December (soooooo long ago) so I'm hoping to nudge it back up.
    Tuesday already and now only 61.5 hours :j till payday
    Have a good one itchy and scratchy;)
    LBM- finally kicked in 16/12/08 @ [strike]£41,862 [/strike] £0.00/ DFD- 24/12/13 :D


  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Afternoon all!

    My one and only day off this week, huzzah!
    Taken wee Gordon for a walk and made some new friends, hoping he'll fall asleep in a minute in his pen LOL....

    Got my last ever pay cheque from current job, but it didnt include my redundancy pay so not sure if I get that at the end of the month or what?!
    So bank balance is currently in positives, doesnt last for long though! LOL
    Dont really want to pay too many overpayments this month as am now in the crossover between jobs, and my new job pays on the 15th of each month, so Im not sure if I will be on the payroll for this month, or have to wait till the next, in which case need to keep what money back that I can....

    Need to think of what to review on dooyoo, really need to get back into that, have been too lax after moving etc!
    Wealth is not measured by currency
  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI all

    Still no luck on the job hunting front

    TMD glad you had some luck on the scratchcards - I won £5 recently too. Withdrew another £10 from BP too this week...

    Failed the grocery challenge, and had 3 takeaways in a month and bought new clothes on 3 different occasions so not my best debt busting month. Hopefully it will all work out somehow....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Hi SavingH,

    Sorry to hear there is no luck on the job front yet. You have a couple of months before it happens don't you? I am keeping my fingers crossed for you.
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,135 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    2 agencies rang me this afternoon. One is putting me up for a good salary job 15 miles away so that would be okay, permanent but with fewer future prospects. Another may shorlist me for a public sector job about 30 miles away, less money but excellent benefits and good long term prospects. I should find out Friday if I have made the final short list...
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £169.8K Equity 37.1%
    2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
    3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
    (If took bigger lump sum = 62.7K or 49.2%)
    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 £5.2K updated 16/1/26
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    woohoo, great news Saving!
    Hope they both come up trumps so the choice is yours!

    Having a pretty poo evening, fallen out with DH so took Gordon for a walk to de-stress and he's now fallen straight asleep, making little puppy snore noises! Little angel....

    Not really done much on the debt front lately and I feel I need to give myself a kick up the behind to get remotivated!!!

    Editted to say : And on that note I've paid £80 on my abbey zero cc :)
    Wealth is not measured by currency
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    Good luck for those jobs SH :j

    I loathe January. I know Black Monday was last week but currently feel I have my own personal rain cloud following me around. Ho hum it'll soon be Feb and then its the misery of valentines with no loved one. But then comes March when I fit it with all the mad hares :p

    Signed from a Gloomy Cow!
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
  • CAFCGirl
    CAFCGirl Posts: 9,123 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    but at least you've got a plan for the coming months LOL

    Hit 3k on the challenge, roll on paper hat! YEEEHA!
    Wealth is not measured by currency
  • ShelleyC_2
    ShelleyC_2 Posts: 1,500 Forumite
    Yup and on the positive if I end up in the loony bin come March that'll mean no bills for the month ;)

    Well done on the 3 grand :j
    Looking for the perfect home and saving to make becoming a MFW easier
    MFiT3 48103/50000 Saved So Far :j
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