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Trials and tribulations of a Debt Free Wannabee!
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Thanks guys
Have a good week everyone if I don't manage to catch up while away! Back next Saturday - that is the plan anyway!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 -
Really sorry to hear the news SH. Im sure you will bounce back after the break.:jMay 2013 new beginnings:j0
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blimey SH - just been catching up and got to the grim post about ur temp job. thats the pits... u know what - people suck! i really hope u enjoy ur hols and have some sunshine! i smiled when i read about u buying lippy though... i think there are medical reasons why any woman buying a new lippy feels instantly cheered up! i did exactly the same last week ... nice shiny lippy!
xxHighest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
:heart2:Ebay Challenge 2011 - Still supporting from afar!
Long haulers supporters DFW #2230 -
Had a nice week away. Spent too much probably but accommodation was free so don't feel to guilty. Weather was very mixed. Managed to get my hair, OH and DS's hair done while we were away so hopefully we will all look good for the wedding. DD's hair is long and already looks fine....
I spoke to a different agency Thursday about my experience in the temp job - and he saw it as completely the company's fault not mine so that was reassuring... It won't influence them against me. All being well am at final stage for perm job middle of next week! Really, really hope I get that one! I've been paid up for that other job altho I think they must have done emergency tax as I didn't get much! Hopefully I will get a refund at some point!
Hope everyone has been 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 -
Glad you have had a good time away.......welcome home!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0
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hope the holiday helped revive your spirits... a new school term awaits the boys and girl and a new month for us grown ups! maybe i might even find a real job!
xHighest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
:heart2:Ebay Challenge 2011 - Still supporting from afar!
Long haulers supporters DFW #2230 -
Welcome home!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
thanks for the welcome back !
Still toying with whether to write an 0% cheque to myself (3% charge for 6 months) but would mean that we would be "ok" for a bit longer even if I don't get the job...
Still under pressure to go to sis's wedding abroad which I probably will do but probably alone and even alone it will cost between £600 and £1K! I could do without that cost right now I can tell you.... Don't really want to go alone but can't afford to take the rest of the family and none of them have valid passports at the mo anyway! she has almost set the date.... LOLAchieve 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 -
I'm not convinced it's quite so shiny, I shouldn't worrysavingholmes wrote: »Trying to live up to no 1 son's (my oh so perfect brother's) reputation!
Concentrate on this when/if you start on a downer/beating yourself up. It was so not your fault.savingholmes wrote: »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".
Shouldn't worry about it...doesn't sound like she's expecting it. And unlikely to be coming to the UK for the [STRIKE]really important [/STRIKE]weddingsavingholmes wrote: »Still under pressure to go to sis's wedding abroad which I probably will do but probably alone and even alone it will cost between £600 and £1K! I could do without that cost right now I can tell you.... Don't really want to go alone but can't afford to take the rest of the family and none of them have valid passports at the mo anyway! she has almost set the date.... LOL
Welcome home. :cool2: Hopefully the break had the desired effect and you're chilled, relaxed, refocused and ready to get back into the swing of things again.:)"I am indelibly stained by hope and longing" - Nuts in May0 -
Nicely summarised there! :rotfl:savingholmes wrote: »She is also looking to get married within weeks of my other sis which is causing issues - and is also selfish as my other sis booked the date a year ago and will be barely back from honeymoon before being expected to rush off to another country with passports they don't have, with money they have not got and with time off for her new hubby that he will struggle to get so soon after his honeymoon :mad: To crown it all she missed her off the email telling us all about it :eek::rotfl::eek:
:rotfl:some more!savingholmes wrote: »May delete all references to this off my posts soon in case she or her friends find this....:eek: "I am indelibly stained by hope and longing" - Nuts in May0
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