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Trials and tribulations of a Debt Free Wannabee!
Comments
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wow wow wow i am well impressed wow0
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hey honey just read through the last page ...looks like it went really well i shall kepp my fingers and toes crossed till friday ...nice expenses claim as well ...wish i got expenses sigh0
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aww thanks :j Like I say the savings were generated while I was working before - now I am working again - I can use them to repay debt!wow wow wow i am well impressed wow
It will be great when I actually get paid again!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 -
yep it is a bit of a pain making do till the wages start rolling in again ....having just a wee bit of savings can make all the difference
i found once i didnt have the money when hubby went from weekly to monthly pay ...they gave a 0% loan of £500 (paying it off at £50 a month) to help us with the transistion but that wasnt much help either ...we struggled and had to borrow a good amount (cant remember how much exactly) it took us months to recover ...and yet it was just three weeks money and we got £500 (loan) to help us out ...going from weekly to monthly was hard ...if we wouldve had a wee bit of savings it wouldve made a difference0 -
OH gets paid next week so that is good
The week after hopefully I will get my first pay cheque. Then in this job I should be weekly paid from that point on... Unfortunately tho I am on holiday the week after next so won't get any pay for that one.....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 -
ahh thats a bit of a pain but i am sure it will be worth it ...having a break is just what the soul ordered sometimes ....weekly paid ...i find that handy ...when i was doing job no2 as well as no1 i was paid fortngihtly but it worked out to be the opposite week from job no1 and hubbys job so we always had money every week ...have to admit i did get a bit too used to it so when i stopped it took a bit of getting used to ...what you doing with your first pay cheque?0
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We are off on a free holiday to Cornwall courtesy of a survey I did just after I joined MSE!
First money will be needed to pay bills and a little bit of holiday money - credit card I used for the last month. If I'd not got the job - I would have had to use savings to pay it with so it is still all good!
We still have £1.6K of savings left - and I am still awaiting a pension refund of around £1.5K could be slightly more won't know until it comes. Should arrive any day now.... Need to try and stick to plan tho and pay off between £1 and £1.5K a month.... Tricky for first few weeks tho as first month includes lots of days not worked!
We are still getting regular 0% offers so think will just priortise debt repayment rather than saving again! Need to agree a repayment plan with MIL for the £4k we borrowed from her.
Just really hope I get the perm job and then don't need to divert money to pay for yet another car!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 -
you mean when you get the new job ???
it's great when things start to turn around ...although we do need the !!!!!! as well so that we can recognise the good lol ...great amount of savings still to have hopefully they will stay that (fingers crossed for you)
how long are you away for ? never been to cornwal would love to go there ...0 -
:T:rotfl::T:j:Tyou mean when you get the new job ???
I hope you are right. I have to meet 2 directors - I met one as a "surprise" guest at the presentation I did the other day! So hopefully it really will end well! Daren't hope too much but have started looking at cars in a whole new way (I would get a car with the job) :rotfl:
The holiday in Cornwall is for a week at a timeshare place but luxury self catering accommodation - fabarooni :jWe don't have any meetings to go to.... just enjoy!
Fanatastic year to get 2 free holidays! Think I may need to do some more surveys :rotfl:try again for next year :rotfl: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 -
Well survived day 3 in new job. Seems to be going well so far. Hopefully will receive first pay cheque this Friday which would be absolutely fab! Lots of expenses I can claim already - some of which is mileage that compared to petrol cost I should make a "profit" on of about £88 so far! I will add it to my sig once received!
Not heard any more about perm job - just chased that up
Have received £13 in clubcard vouchers and £14 in M&S vouchers today so that was nice!
Hope everyone else is doing okay!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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