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Trials and tribulations of a Debt Free Wannabee!
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Well today I have applied for one job! A year ago I would have had about 40 jobs to apply for in my sector - today there were 4 of which only 1 was remotely suitable and even that was less than I want to earn! Oh well....
I have also done my expense form at last - about £160 should be coming back to me soon.
I've also done a few free offers on pigsback and updated my profile on valued opinions. Need to start trying to get some money in for xmas...
Sun is shining today - should really go out and make the most of it but not in the right mood - typical! Perhaps when the kids come home....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
Sounds like u made a good start saving well done on the winnings and the cash back ... The belly dancing sounds like fun you will need to let us know how it goes ... Was thinking of salsa myself but it is on a Monday and I do the soup kitchen then ... Try not to stress too much about Xmas it will come and go just like every other day and come the feb things will either be broken forgotte n about or the best thing ever.... I can't even remember what I got last year ... Did I get anything ???? I don't honestly know .... How bad is that0
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Fingers crossed for the job though0
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Try not to stress too much about Xmas it will come and go just like every other day and come the feb things will either be broken forgotte n about or the best thing ever....
El - unless we seriously cut back our spending - and/or I get a job - come Christmas we will need to be living old style just to meet the basic bills or spending on CCs again.... So I am trying to get some extra income in so that a) our kids don't suffer - esp at Xmas and b) to cushion my shopaholic tendencies that still surface from time to time.... My biggest problem is frittering small amounts of money but they all add up!
Talking of money - as well as getting the expenses form in the post - I also need to find my pension docs so I can arrange a refund - they were supposed to have sent it to me by now!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
Just checked up on the pension refund... Apparently the unit prices have gone up since I left which is great news - so they originally quoted me £1500 ish after tax had been deducted but apparently now it should be higher than that....
Going thro paperwork now to see if there is anything else I can claim from anywhere....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
Well checked up on a tax letter I received about 06/07 - apparently there is nothing due back from them after all which was disappointing. I did chase up a pension refund from the civil service that I didn't think had ever been paid - and apparently I am correct so I should soon get £129.35 which is very welcome right now....Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
I know you are applying for suitable and near-suitable jobs in your preferred sector, but are you also applying for other stuff which will just "see you through".......with Christmas coming up, plenty of places are asking for Christmas temp staff, so it would be a way of bringing some much needed cash in without it needing to be anything more than a short term stop gap. I guess that plenty of the Christmas temp jobs will be part time too, giving you time to continue the permenant job hunt?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 have been wondering about trying to get a shop job - particularly if it was in the evenings... I have a 6 year old so don't want to pay childcare if I am earning low wages and want to be free to go to interviews...Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £169.8K Equity 37.1%
2) £1.3K Net savings after CCs 16/1/26 (but owed £1.1K) so £2.4K
3) Mortgage neutral by 06/30 (AVC £34.8K + Lump Sums DB £4.6K + (25% of SIPP 1.3K) = 40.6/£127.5K target 31.8% 16/11/25
(If took bigger lump sum = 62.7K or 49.2%)
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 £5.2K updated 16/1/260 -
With shops opening extra late for Christmas shopping over the next 3 or 4 months, I am sure there would be hours to suit.
(and discounts to be had)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 -
dont know if this would be of interest but...my son works in a call centre ...from 5-8pm five nights(they do give 16 hour contracts for tax credits etc) ...he doesnt get great basic (about £400 a month ) but he gets tonnes of sales ...he tells me he usually gets nearly £1,000 a month ...i am not sure if this is the real case or just a kid talking rubbish ...but this is what he tells me ...if he works on a saturday morning he gets time and a half as well...he says it is very easy to reach his target....just a thought0
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