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Trials and tribulations of a Debt Free Wannabee!
Comments
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Good luck savingholmes!Total debt at October 2008: £67,213.30
Total debt today: £0 - debt and mortgage free 29th November 2013 :T
Sealed Pot Challenge member 14
Save £12K in 2014 - £6,521.90/£6K member 138
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Good luck SavingH!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Good luck today x0
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I'm having to smile and do a handover today - that is hard too! Oh well bye for now....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 10/10/250 -
Hope not too late to wish you good luck savingholmes!
As for the credit card debt, why is it so hard to admit you have it?! I have three credit cards but as far as anyone is aware, I have one, ha! A guy in my work funds his lifestyle on credit cards and has about twenty! Now that is scary :eek:0 -
good luck, let us know how it all went
having a quiet day today feel quite tired, have tidied up done all the washing, nipped to the shops, prepared tea and i think thats quite enough lol. have bought DD1 an ipod touch she has saved up her money and I have been online through quidco saving 4% and there was £5 off as a promotional code so she will be pleased.
hope everyone is ok x0 -
Hello savingholmes. Just wanted to wish you good luck for your interview and the handover. I've just caught up with your diary and am really impresed - you're storming ahead. I wish I knew where you get your energy from! Fab news re. the bonus! :beer:0
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Thanks Karen, Zippy, Swinstie, Piquant, CMD, Snow White and SC for popping along and for all your support! :A
Can you believe it - I got rung up this afternoon !!! and my interview has been postponed :mad: as a big problem has blown up that needs their attention! Sounds worrying for what I could be inheriting if I got the role LOL!:rotfl: After all that time I spent doing my hair and make up too LOL:p . I am therefore waiting to hear from them again with a new time!
Still managed an early dart tho!:rotfl:
Still waiting to hear back on last week's interview too - sent a chase up e-mail....
Well so far today has been an NSD! Not sure if it will stay that way although I do have lots of choccies in the house which does help :EasterBunAchieve 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 10/10/250 -
Hi Snow White - energy... I just direct the energy other people spend on cleaning house to sorting things out that matter to me... in other words - never visit without at least a 3 minute warning!!!:rotfl:Snow_White wrote: »Hello savingholmes. Just wanted to wish you good luck for your interview and the handover. I've just caught up with your diary and am really impresed - you're storming ahead. I wish I knew where you get your energy from! Fab news re. the bonus! :beer:
Thanks for the kind words tho - and yeah I was chuffed to bits on the bonus. Got my payslip today too - so all in black and white - I am still owed a little more money in April too for holidays so that will help a bit too! Absolutely shattered currently but figure I can have a little rest once tomorrow is over with....:idea: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 10/10/250 -
Hi SC - my DS bought himself an ipod touch via Amazon - I didn't get any £ off as such but I was able to put my bingoport Amazon vouchers towards it so he effectively converted them to cash for me which I then used on food so that works well. He absolutely adores his and won't let it out of his sight... My OH has managed to convince work he needs one so he has one now too! He's not sure whether he will be allowed to keep it though!good luck, let us know how it all went
having a quiet day today feel quite tired, have tidied up done all the washing, nipped to the shops, prepared tea and i think thats quite enough lol. have bought DD1 an ipod touch she has saved up her money and I have been online through quidco saving 4% and there was £5 off as a promotional code so she will be pleased.
hope everyone is ok x
Hope you ALL have a nice day!:wave: Off to make a brew now and have some of that choccie!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 10/10/250
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