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Trials and tribulations of a Debt Free Wannabee!
Comments
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Wow SH, didn't know you were writing a book! I'd love to write one, but alas I probably could only manage one chapter, my imagination runs wild then runs off!
Good luck with the agency woman! x0 -
Hi Swinstie - I only need to write about 14 chapters. So trying to right just one for now and then the next and so on.
The agency meeting went okay she is happy to recommend me to the client.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 -
Hiya SH,
You're fantastic you know, despite everything you've still got the 'glass is half full' outlook.....just remember to put the glass down while belly dancing;)
xxI 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 -
:T It is encouraging that you think so. I am trying to be positive... :T If you look back at my first post in this thread my biggest worry was depression and increasing our debt... not doing badly at all on that front!:jLurker1972 wrote: »You're fantastic you know, despite everything you've still got the 'glass is half full' outlook.....xxAchieve 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 -
Well I've found a few more jobs to apply for so have done that.
Plan for today
1) Send off expenses claim
2) Sign on
3) Meet friend for lunch:j
4) Pick up kids from school
5) Tidy the house up a bit
6) Write some more in my book. Now upto over 4000 words....
7) Check online banking
I've done my free daily scratchcards
already £1.30 up:D just from today
Hope everyone is okay. Lurkers - it would be great if you introduced yourselves and said hello!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 -
My oh my! From Job Hunting to Belly Dancing to Writing a Book! No wonder I have heard about your diary on other threads... Fantastic...!
Will definitely be keeping my eye on this one and drawing inspiration a plenty from your posts, keep up the great work! :T0 -
savingholmes wrote: »Well I've found a few more jobs to apply for so have done that.
Plan for today
1) Send off expenses claim
2) Sign on
3) Meet friend for lunch:j
4) Pick up kids from school
5) Tidy the house up a bit
6) Write some more in my book. Now upto over 4000 words....
7) Check online banking
I've done my free daily scratchcards already £1.30 up:D just from today
Hope everyone is okay. Lurkers - it would be great if you introduced yourselves and said hello!
Sounds like you have a very productive day ahead of you! I am in the throes of cleaning out my room and all the rubbish that goes with it. The amount of filing that needs to be shredded is unreal! I want to get it done before we move house though.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Hi Aniya - nice to have you with us. Feel free to post loads it cheers the place up when others post too!
CMD - good luck with the house tidying - I know what you mean about shredding - we have a massive box full to do! When is it you move to Reading now?
Well I bit the bullet and signed on. Took 18 minutes but that was half the time it took last time. I also need to try and get round to ringing up about tax credits as we should qualify this year and we haven't applied yet. I think they need exact figures tho so need to try and find p60s from last year!
I've also found the address I need for my expenses form so hopefully will drop that into the post on the way to my friend's house!
House still a bombsite! Keep hoping someone's going to come and sort it all out for me but strangely that hasn't happened 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 10/10/250 -
savingholmes wrote: »Hi Aniya - nice to have you with us. Feel free to post loads it cheers the place up when others post too!
CMD - good luck with the house tidying - I know what you mean about shredding - we have a massive box full to do! When is it you move to Reading now?
Well I bit the bullet and signed on. Took 18 minutes but that was half the time it took last time. I also need to try and get round to ringing up about tax credits as we should qualify this year and we haven't applied yet. I think they need exact figures tho so need to try and find p60s from last year!
I've also found the address I need for my expenses form so hopefully will drop that into the post on the way to my friend's house!
House still a bombsite! Keep hoping someone's going to come and sort it all out for me but strangely that hasn't happened yet!
We are hoping to move at the beginning of November but really want to have all the clutter gone before we make the move.
I would love a cleaning fairy to come to my house as well
Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Whenever we've moved we've got rid of about 20-30% of our stuff only to see it quickly return after moving... I am a bit compulsive - especially if I see a bargain - which tied in with a tendency to hoard is not great!clearmydebts wrote: »We are hoping to move at the beginning of November but really want to have all the clutter gone before we make the move.
I would love a cleaning fairy to come to my house as well
Clear out as much as you can get away with - you'll need the space for other things all too soon!:rotfl: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
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