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Trials and tribulations of a Debt Free Wannabee!
Comments
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savingholmes wrote: »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!
Clear out as much as you can get away with - you'll need the space for other things all too soon!:rotfl:
I am a hoarder as well! With absolutely everything!Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
It's scary sometimes how alike people on a thread can be!clearmydebts wrote: »I am a hoarder as well! With absolutely everything!
I posted my expense form - now that was a major achievement - it has only taken me a month!:rotfl:Hopefully I should have £163 coming back in my direction shortly - postal strikes allowing!
Oh well I have now written 7000 words of my novel which considering I started it part way through this week seems pretty good. :j I think I have done about 2 chapters of a 14 ish chapter book. The first chapter I wrote is about 2500 words and is likely to end up being chapter 3 or 4, the second chapter I wrote - Likely to end up as chapter 4 or 5 is 4500 words which seems to be in line with other books of the same genre! I hope so! It's kind of a thriller with romantic overtones....
I counted the words on a few pages and counted the chapter lengths as a bit of guide. I am told the first chapter is the hardest to write so I think I may leave that until nearer the end. So when I am a rich and famous writer - I will be able to read my early blogs here and laugh and laugh :rotfl:Here's hoping anyway!
TBH I've always wanted to write but never felt I had anything to write about. I've never got past page one before so this time I skipped page 1 and went straight for about page 40 odd!!! As a strategy so far it is working. I read Stephen King's book on writing this week - and his advice is to get stuck into the story and then get to know your characters in the same way your readers do. Whenever I sat down to try and write before I tried to work out plot lines, sketch out character outlines etc by which time I'd generally lost all enthusiasm and abandoned it as a bad shot! I really, really hope that I manage to make it to the end this time! What an achievement that would be! If I actually sold the book at the end - well that would be kind of good too!: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 -
I'm the queue to read it please.....& can my copy be autographed ? after all if you're going to be the next.....********** (take your pick of favourite authors) it'll be worth something!!
You'll finish it, no doubts thereI 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 -
Thanks Lurker for your faith in me - Stephen King (whose other books I've never read) suggests that you get a target audience lined up and test your book out on them - so yeah I will certainly consider you for the role! Unfortunately he also recommends you finish it first - leave it to settle for 6 weeks - go back over it and then let a few select friends read it. I think he is trying to protect us sensitive artistes from any illjudged criticism when the thing isn't yet fully formed! Sounds logical to me!Lurker1972 wrote: »I'm the queue to read it please.....& can my copy be autographed ? after all if you're going to be the next.....********** (take your pick of favourite authors) it'll be worth something!!
You'll finish it, no doubts there
I would like to be the next JK Rowling but the next Debra Webb or Nicola Cornick or Candace Camp would also be okay with me! No idea how much they make per book but at least they seem to get published regularly!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 -
heres to your future fame & fortune:beer:!I 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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Wow don't come on for a few days then come back and all this is going on ... Well done mrs I'm very impressed .... Add another name to the list of people wanting to read it0
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Spooky you should say that.
When I was a kid, I borrowed one of the neighbours eletric typewriters, for a school project, and started typing a story about a girl and a cave and a ghost! I can remember doing it even now. Sat at the dining room table with this great hulk of a machine, tapping away.
I, too, would love to be a novelist. It would be so so so amazing. *cogs in the brain start whirring (is that a word whirring??)*
Good luck to ya SH!!!!!!
I should have signed back on again for another couple of weeks and then call in to tell the JSA I have been offered a job. As usual have not got round to it. I am concerned that if I tell them I have a job and I have awhile til I start it that they will stop my JSA now.
I am SO enjoying my couple of hours of pure MSE time. Should be doing other stuff, like housework - the w/m is on at the same time, so that counts surely? I'd only be in front of the TV otherwise, so this has got to be more productive!!!!???** Proud to be dealing with my debts **LBM - Jan 2009 _pale_ : £24,802.21 :eek:February 2010 :silenced: : £18,078.47 (not including OD)July 2010
= £16,819.34 (not including OD)
January 2012 :mad: = £14,338.75 (not including OD)0 -
Hi el - I will add you to the list
hi GG I think that the Jsa would pay until you start your job as you are unemployed until then. otherwise sign on and just sign off the day you start work and don't tell them anything face to face at all!
Whirring is defo a word in my vocab - good luck if you do start to write.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 £129 cheque arrived today - will need to put in the bank Monday!
Also got offered another 0% balance transfer cheeque until next May. Thinking of writing a cheque to ourselves and then putting it in the bank. That way we have cheap emergency money in case we need it for a lot less than a normal CC would cost! We'd missed the original deadline of 14 Sept so thought that was it - but they sent another offer today!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 -
Decisions Decisions.
Finances drive me nuts.** Proud to be dealing with my debts **LBM - Jan 2009 _pale_ : £24,802.21 :eek:February 2010 :silenced: : £18,078.47 (not including OD)July 2010
= £16,819.34 (not including OD)
January 2012 :mad: = £14,338.75 (not including OD)0
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