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Trials and tribulations of a Debt Free Wannabee!
Comments
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Hi SH,
Just been catching up with your diary and got all excited about the job til I read you no longer had it! !!!!!!! Hope the permanent one comes through for you, when will you find out? xx0 -
Glad the holiday was good.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
Welcome back SH, glad you had a nice holiday
Where did you stay in Cornwall? Although it's all beautiful
Good luck for the next stage in the job interviews *fingers crossed*
If you really cant afford sis wedding then don't go, tell her that you cant make it because finances are tight due to not having a permanant job and send her a gift voucher or something similar I wanted all my family there for mine but I knew some couldn't afford it so sent them a piece of wedding cake
bigzippy I hope your big day goes brilliantly just make sure to rest as much as possible running up to the day (difficult I know) and look around as much as possible, the day will go so quickly it will suprise you :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
Hi big zippy - hope you are still watering the plants! I didn't know sis wasn't now coming to your wedding?!!!
Hi Lucielle, Swinstie, Sal
Cornwall was nice - we were staying near Helston. The accommodation wasn't up to the standard of the place we went to in Scotland by any stretch of the imagination but it was free and the grounds and entertainment was much better!
Perm job final interview hopefully this week...... It is so hard to remain relaxed about it I want it (and need it) so much!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 -
I used to live in Falmouth Come from Liskeard but chose to live in Falmouth, didn't last long though as it's sooo expensive to live there, loved my job but wasn't earning enough to live outside of the hotel
go back whenever I get the chance
Fingers, arms, toes, legs, in fact everything crossed for interview x :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid offHoneymoon Fund £410.40/£6000 House Deposit £1.50:A Proud to be dealing with my debts. DFW Nerd 1177 :A0 -
I think Cornwall is really beautiful - can't imagine living there full time tho....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 all well final stage of perm job interview tomorrow - I can't wait!
Couldn't sleep last night until about 5.30am as I am so frazzled by everything - need to get myself in the right mood now for the interview.... Need to decide what I am wearing and get it all together too
My MIL bought most to the kids school uniform - it wasn't all to kids or my taste tho - so took some of it back and swapped it for other things.... Managed to buy what we wanted pretty much within her spend tho 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 -
Good Luck will cross everything for you Looking for the perfect home and saving to make becoming a MFW easier
MFiT3 48103/50000 Saved So Far :j0 -
SH good luck for tomorrow! hope you get some sleep0
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fingers & toes & legs are crossed
xI 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.0
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