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Debt free & tidy diary

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Comments

  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    More important than interview - I found a £1 coin on the floor on way back to car

    woo hoo free money!!
    I do not make mistakes, I learn lessons.
    I work to live, not live to work.
    I love to live & live to love.
    Good enough is exactly that.
  • penguin83
    penguin83 Posts: 4,817 Forumite
    Part of the Furniture Combo Breaker
    Hi Lurker, well done on your interview, they are horrible things! Hope the one next Tues goes really well for you - finding that £1 must be a good luck thing surely! x xx
    Pay Debt by Xmas 16 - 0/12000
    There is something about the outside of a horse that is good for the inside of a man.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Lurker... I've finally found your diary.... Apologies for not getting here before... It sounds like we are experiencing similar highs, lows and frustrations of not having a job. Really glad that you were able to pay off your debts with your redundancy pay plus still have some money to live on...

    Hope you manage to get a good role soon but if not at least enjoy the summer - you have been paid for the equivalent of x months - don't let the fact that your are currently jobless sum you up.... We are worth what we were before whether we are working or not we just haven't found the right people to appreciate us yet!

    I too have started a diet - and have lost 8.5lbs since I started 6th June - woohoo!
    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
  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    Hi Lurker... I've finally found your diary.... Apologies for not getting here before... It sounds like we are experiencing similar highs, lows and frustrations of not having a job. Really glad that you were able to pay off your debts with your redundancy pay plus still have some money to live on...

    Hope you manage to get a good role soon but if not at least enjoy the summer - you have been paid for the equivalent of x months - don't let the fact that your are currently jobless sum you up.... We are worth what we were before whether we are working or not we just haven't found the right people to appreciate us yet!

    I too have started a diet - and have lost 8.5lbs since I started 6th June - woohoo!


    Hi Savingholmes, thanks for reading & well done onthe weight loss - you've way more willpower than I have!!

    Its interesting what you say about being worth what we were before cos I don't think I am!!! I'd got an ok salary made up with loads of overtime from working 6 days a week - I now don't expect to match the ok salary so its likely that if I do get a job, the leftover redundancy will be bridging the gap, which is bad cos I really want to keep it under the mattress in case we get pregnant & then I'll really know about being skint ;)

    I've weighed in this morning.....11st 5lbs :eek::eek:. I'm 5ft 7 so can sort of carry it, but would rather not. will be visiting Mr T later so will avoid the bikkie aisle & try to think of healthy snack stuff although I don't think its mainly food related, more sat on ever-widening backside seraching interweb for jobs to apply for.
    At least when at work I had to walk from the car park or my drop off point.....ooh thats a point...wheres that pedometer gone......

    its dry @ the moment & v windy whcih mean a great drying day so time to play washing hokey kokey

    Have a good weekend peoples :wave:
    I do not make mistakes, I learn lessons.
    I work to live, not live to work.
    I love to live & live to love.
    Good enough is exactly that.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think it is fine to adjust salary expectations - in this market a lot of employers are trying it on with lower salaries... What I meant by still being worth what you were before was don't lose your self esteem - you are worth it, you do have skills, you are employable, you would be an asset to the right company and in the meantime you are allowed to enjoy yourself while you are off! Something I have to remind myself of constantly - luckily I have a husband prepared to say those things to me!

    And on your weight.... you are at the top of the ideal weight band for your height I should know as I am also 5ft7 and weigh considerably more than you... I would looooooooooove to be your weight.....!
    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
  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    Hope everyone had a good weekend, I think I may have learnt a valuable lesson the last few days. DO NOT TAKE MEN GROCERY SHOPPING.
    Wayyy over spent again with Mr T & I'm sure thats because of the 'do you mind if I have a little treat' face!!

    Pedometer experiment must have been a bit flawed - apparently I managed over 11000 steps.......I just don't beleive it!!

    Todays plans are to prepare like crazy for tomorrows interview - have to get the 13 week humiliation out of the way first - trouble is I've not applied for anything in the last 2 weeks cos I've been trying to focus on the interviews - hopefully they will take that into account, but I have doubts.

    really have to get petrol today, but its been over a week since I first said that so thats not bad - got over 40 miles to gallon out of this tank with boring driving!
    I do not make mistakes, I learn lessons.
    I work to live, not live to work.
    I love to live & live to love.
    Good enough is exactly that.
  • What make is your pedometer. I have had quite a few but the most accurate one I have used is an Omron II Walking. I got mine free somehow but I think they come at around £20. I read somewhere that it waits until you have done 5 steps, then adds five steps so it 'knows' it's not a 'blip'. Some of them, you only have to breath and it's added 20 paces.

    On a weekend I had been only registering 3000 steps, which was mostly pacing round the house and a walk to the shop, but now I have been getting the bus to work and home, and add a quick walk into town an lunchtime, even that gives me up to 8000. They reckon 1 mile = 2500 paces.
    Start Date: 27/11/2010
    Padding: Day 42
    Target £8000
    Amount: £562.23
  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    No idea!! had really good one which died, then tried one of the walkers freebies, but kept resetting it by knockking it on desk at work - not got that problem now :rotfl:
    This one has a cover to prevent that happening, courtesy of ebay
    I don't think theres anyway I did almost 4 miles - Tesco isn't THAT big!

    in some ways its the thoguth that counts!!

    got some serious car crash tv on going at moment....can't drag myself away!!
    I do not make mistakes, I learn lessons.
    I work to live, not live to work.
    I love to live & live to love.
    Good enough is exactly that.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I've never had a reliable pedometer so have always given up! Interesting if a mile is 2500 steps though - shows how little I do in a day. On that basis I have probably done 1 mile tops today... oops
    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
  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    currently on 3600, so might hit the 2 mile(ish) bit

    better than nothing I suppose, plus got ironig to do & that burns calories!!
    I do not make mistakes, I learn lessons.
    I work to live, not live to work.
    I love to live & live to love.
    Good enough is exactly that.
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