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Trials and tribulations of a Debt Free Wannabee!
Comments
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Just been reviewing my snowball
£4K Car (family 0%)
£1955 0% B
£4946 0% B2
£4238 3.45% lob C
£400 [STRIKE]£480[/STRIKE] 0% BH (Got a statement and it was a 34 month agreement not 36 so we owe £80 less):j
now £15539
Savings
£1379
£4
£239
NOW £1622
Pension refund due approx £1500 - will chase this week
Need a job desperately - savings will be gone in 2-3 months and then we would be in the soup.... Could do a credit card cheque but trying to resist....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 am sure it will all be fine - but I certainly don't envy you or anyone else jobhunting right now.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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I've gone thro the budget planner again - even being much better than we are that has us spending £342 more than our income.... The current reality is more like overspending £1K a month (our savings burn rate)
Just need tomorrow to bring me good news re the perm job! Then it won't matter 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 -
fingers and toes crossed for you saving ... hope the wedding goes well also i have only ever been to two in my life mine and a friends have missed all my brothers and sisters (7 bros 3 sis ) as i dont do these kinda things ...you must have the patience of a saint0
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Thanks el - don't feel very patient currently....
DD in bath poorly.... think she might end up being off tomorrow! Hope not - I hate illness!
DS feeling much better and is out playing with a friend.
Think I might order our food on my supermarket today to try and save money! Will check if I have any voucher codes!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 hope you get some good news today SH xxxx0
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fingers crossed SH you really need this xx0
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still not heard anything yet.
Very frustrating.
Took DD to doctors this morning and picked up a prescription. Went to the library this afternoon to feed my book habit on the cheap.... May have snuck into boots and made the most of their 3 for 2 and free £28 gift!
Got my Asda order coming tonight. Spent nearly twice as much as usual but haven't done proper orders recently so was running low on freezer staples, cleaning products etc.... (my excuse and I am sticking to it)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 -
just catching up with ur diary as been in my hermit cave lately... hope job news comes soon... how do you get on with asda home delivery? i never really got on with that one? tesco and ocado is quite good but asda never worked out for me.
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 -
Savings can't believe you've still not heard. Everything crossed for tomorrow. Now you've tempted me to go look at offers on Boots website you corrupter
Looking for the perfect home and saving to make becoming a MFW easier
MFiT3 48103/50000 Saved So Far :j0
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