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First one to clear 15k gets a paper hat

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Comments

  • tirlittan
    tirlittan Posts: 3,397 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    I know, it's official Getting Rid of Virgin cc Month. :) At least for the two of us. ;)
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • savingholmes
    savingholmes Posts: 28,884 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    cmd good news on the part time job for OH it is a start at least
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £175.8K Equity 32.38%
    2) £4.3K Net savings after CCs 13/5/25
    3) Mortgage neutral by 06/30 (AVC £19.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 25.3/£127.5K target 19.84% updated 13/5
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.4K updated 13/5
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    cmd good news on the part time job for OH it is a start at least

    Thanks SavingH!

    How are you feeling about the interview tomorrow?
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 28,884 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi CMD feel quite confident about tomorrow - poss because I'm not that bothered if I get it as I am still hoping I get the perm job I'm at stage 4 on! Sometimes when I am less anxious about it I do a better. It is a day rate job and I will be able to claim back expenses off my tax which would be good. Potentially I could get 2 weeks in before my holiday in Cornwall which would be fab and mean I could top up our savings again or clear off more debt depending on which seems the best at the time! Could be a bit of travel with the job so could be difficult when kids back at school but needs must and all that... It is a 4 month job initially so that would almost see us thro to xmas if I got it....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £175.8K Equity 32.38%
    2) £4.3K Net savings after CCs 13/5/25
    3) Mortgage neutral by 06/30 (AVC £19.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 25.3/£127.5K target 19.84% updated 13/5
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.4K updated 13/5
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Hi CMD feel quite confident about tomorrow - poss because I'm not that bothered if I get it as I am still hoping I get the perm job I'm at stage 4 on! Sometimes when I am less anxious about it I do a better. It is a day rate job and I will be able to claim back expenses off my tax which would be good. Potentially I could get 2 weeks in before my holiday in Cornwall which would be fab and mean I could top up our savings again or clear off more debt depending on which seems the best at the time! Could be a bit of travel with the job so could be difficult when kids back at school but needs must and all that... It is a 4 month job initially so that would almost see us thro to xmas if I got it....

    It all sounds good, both of them although I will cross my fingers more for the permanent one 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: 28,884 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    If I got the perm one it would be great such a weight off - we could go back to paying off at least £1K a month then which would be fab! Don't feel I can add figures to my paperhat challenge at the mo as it would be double counting! (I am paying debts out of savings that I built up as part of the hat challenge!)
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £175.8K Equity 32.38%
    2) £4.3K Net savings after CCs 13/5/25
    3) Mortgage neutral by 06/30 (AVC £19.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 25.3/£127.5K target 19.84% updated 13/5
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.4K updated 13/5
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    If I got the perm one it would be great such a weight off - we could go back to paying off at least £1K a month then which would be fab! Don't feel I can add figures to my paperhat challenge at the mo as it would be double counting! (I am paying debts out of savings that I built up as part of the hat challenge!)

    1k a month would be brilliant. If OH got a job (full-time) we would be able to pay something similar and save some money as well. It's so quiet in his area at the moment but hopefully something will come up :)
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 28,884 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've just been put forward for a 6 month job as well a bit of a trek but okish money..... Better than nothing.... Could be poss of perm long term....

    Hope your OH gets sorted soon. I am trying to make the most of this time with the kids at the mo so I'm finding it a little easier being out of work while the kids are off than when they were in school....
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £175.8K Equity 32.38%
    2) £4.3K Net savings after CCs 13/5/25
    3) Mortgage neutral by 06/30 (AVC £19.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 25.3/£127.5K target 19.84% updated 13/5
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.4K updated 13/5
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    I've just been put forward for a 6 month job as well a bit of a trek but okish money..... Better than nothing.... Could be poss of perm long term....

    Hope your OH gets sorted soon. I am trying to make the most of this time with the kids at the mo so I'm finding it a little easier being out of work while the kids are off than when they were in school....

    Yeah, it must be nice to have some time with the children. They probably love having you around!

    Meant to ask. What is a playdate?
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 28,884 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    a play date - when you agree a time when a kid will come to yours to play or your kid goes to theirs to play.... My kids love having me around... I however was made to work so am not a natural earth mother by any stretch of the imagination! LOL
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £175.8K Equity 32.38%
    2) £4.3K Net savings after CCs 13/5/25
    3) Mortgage neutral by 06/30 (AVC £19.6K + Lump Sums DB £4.6K + (25% of SIPP 1.1K) = 25.3/£127.5K target 19.84% updated 13/5
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.4K updated 13/5
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