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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • Hi SH,

    Sorry to hear about the job. They don't know what they've lost.

    Fingers crossed for the permanent one and as Shaun said, there is a silver lining you just can't see it yet.

    Big hugs to you.

    Tea
    xx
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Oh no!!! So sorry SH, definite positive vibes for the permanant position now.

    Hope your feeling a little better this morning *Hugs*

    Sal xxx
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • BabyBetty
    BabyBetty Posts: 196 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Hi SH,

    Sorry to hear about the Temporary job coming to an end.

    Just as Shaun said you have to move on and not take it to heart. At the end of the day they weren't right for you. Don't put any energy into this set back and concentrate on the permanent role, that is the important one.

    I have had quite a few temp contracts and have had to learn not to take it too personal when being pushed/jumping. Don't allow this slight blip to dent your confidence.

    Onwards and upwards.

    Hugs


    BB
    Original debt at LBM July 2008, £47, 654.34. Debt at January 2016, £21,443. Barclaycard [STRIKE]£9,000[/STRIKE]£8,756, Tesco cc [STRIKE]£3000[/STRIKE]£1,136. Debenhams storecard [STRIKE]£350[/STRIKE]£263, OD [STRIKE]£3,500[/STRIKE] £3,000, Corp Tax £3,036, Study loan £1,750, Smaller debts £2,000.

    Since my LBM I have not been fully committed so now I have had a 2nd LBM.
    Aiming to be debt free by December 2016:D
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Shaun, Tea, Sal and Betty!

    Well I had a nice time with my friends last night.... They were very supportive. My OH has been brilliantly supportive and at the end of the day we are going to have 5 weeks money that if at the interview they'd said we are not sure you will fit into our culture - that I wouldn't have had. It also frees me up to immediately take the perm job if that one comes off.... My OH's attitude is he knows people who are having life and death operations on loved ones at the moment - this is only money and not the end of life as we know it.... I think men find it much easier to bounce back though....

    I have I am afraid been on a little shopping expedition but I did manage to get a mascara and lipstick free with purchase by negotiating so it was a teensy bit mse....

    Not told my kids, mil or parents yet.... Not picked up the kids yet either... Just feel raw still! Have had a lunch date with OH which is nice. His motorcycle is in for MOT today and they let him work from home which is a lot more "friendly" than they used to be... Otherwise he was going to have to cycle 30 odd miles round trip as we only have one car - and at the time we thought I would be working today!

    Need to start packing for Cornwall and find where the other set of car keys went to. Obviously need to finalise my timesheet and expenses too but I think I will leave that until tomorrow. The agency concerned still haven't been in touch which I think is really poor!
    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
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Men definitely find things easier to bounce back from, they also have the ability to not worry over things, sometimes wish I was born a man!! lol
    A little shopping spree is called for in times like this :) and free mascara and lippy? very well done :D
    Telling others is like ripping off a plaster, you don't really want to do it yet know you have to, hurts for a little while but then soon eases :)
    Cornwall is the best place to go and relax so you can come back refreshed and ready for the next stage to the permanant position :D
    *Hugs* xx
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    bevan840 wrote: »
    Men definitely find things easier to bounce back from, they also have the ability to not worry over things, sometimes wish I was born a man!! lol
    I often think men have it so much easier. When I gave birth to a daughter second time around I had to confront all those feelings and try and "make it ok" that she was a girl. :o I was so upset for her thinking of all the traumas she would go thro as a girl that I didn't think a boy would go thro. I must have done something right or my mil did as I have never met a more girly girl and yet I was almost a tom boy. Trying to live up to no 1 son's (my oh so perfect brother's) reputation!
    bevan840 wrote: »
    A little shopping spree is called for in times like this :) and free mascara and lippy? very well done :D
    Thank you - you know just the right things to say!:T
    bevan840 wrote: »
    Telling others is like ripping off a plaster, you don't really want to do it yet know you have to, hurts for a little while but then soon eases :)
    You are so right - it hurts like hell :eek: but I will only be able to access help and support if I bite the bullet and do it :o I feel embarassed more than anything and worried in case it affects my reputation and ability to get future jobs.
    bevan840 wrote: »
    Cornwall is the best place to go and relax so you can come back refreshed and ready for the next stage to the permanant position :D
    *Hugs* xx
    I am sooooooooooooo looking forward to this break. 5 star luxury accommodation for free - just hope that they give us at least 1 separate bedroom preferably 2. Apparently they haven't allocated the accommodation yet....
    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
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    sounds to me like you have had a near perfect day ...a smallish spedning spree with freebies and an afternoon with your hubby ...and the excitment of cornwall to look forward too ...not to mention the expense claims so more money coming your way ...good guns mrs ...now just get that suitcase out and stat packing you have so much fun to look forward too
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks el

    Just took the kids old school uniform to a charity so hopefully someone will get the benefit of that - cheered me up a bit!

    Also spoken to the agency - they said they had been told it wasn't my technical competence that was in question - purely cultural fit. They were very much on my side and feeling sympathetic about it. They are perfectly happy to look for another role for me and don't hold this against me at all which makes me feel a bit better. The manager had said to the agency and to me "another role, another place, another time - she would be perfect just not for here with the sensitivities they have at the moment". They are going to look into when I will get paid the final monies etc but confirmed I was definitely getting a month's money so made me feel a bit better.

    OH has had his motorbike MOTd - the bill came to around £140 but needs up to £500 spending on it in the next month or two to keep it on the road. He will try and get that price down to just parts by doing the labour himself but still not ideal moneywise. He wants to upgrade his motorbike and run 2 cars (we only have 1 at the mo) but is happy to wait until the outcome of this perm job interview...

    I need to carry on looking for my car keys and getting ready for Cornwall. I am babysitting for a friend tonight - 7 kids!!
    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
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    for me that would be the end of my perfect day and it would turn into hell 7 kids ...good luck with that one ...deep breaths
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi el - they are actually extremely well behaved - good parents obviously.... One of them is the 2 year old I borrowed on the trip to the resort I mentioned... The first time I babysat for them I was scared stiff but it has got easier....
    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
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