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Trials and tribulations of a Debt Free Wannabee!
Comments
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I know this feeling very well! Mine are driving me batty trying to work out different little bits, hope your ok SH xThe_Golden_Goose wrote: »Finances drive me nuts.: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 -
savingholmes wrote: »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!
Might be a good idea. It will take the pressure off and when you get a job then you can just re-transfer it.Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Thanks guys.
I think we will write that cheque to ourselves. Just need to decide how much for now. I am thinking around £4k...
Met an agency today but it felt like a waste of time.
Signed on - they were nice - but still felt horrible and depressing.
Had a nice time with the kids - OH was out most of the night
Am now up to about 9000 words on my novel so it is coming along.....
Hope everyone else is okay and thanks again for posting!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 -
Well my novel is still coming along.
I met my OH for lunch - sweet but it set us back £22!!! Ouch. At least we didn't have to pay a babysitter tho.
Went belly dancing again - it was a bit more fun this week altho I am still extremely uncoordinated. A friend looked after my DD for me while I went so I had a coffee and a chat with her afterwards.
I am feeling a bit hopeless this week - so for now I am trying to focus on my novel to cheer myself up! Just hope it works. OH and kids are great tho so I have lots to be grateful for really. We still have nice food on the table and a nice house... Have started to worry about the long term prospects of keeping the house if I don't get a jobs soon... Just have to hope I get sorted well before that. We are still keeping up with all our payments at the mo....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 -
Well today I have walked to town and back as well as to school and back so I reckon I've walked about 4 miles - pleased with that.
Had a telephone interview for a job - should find out if I am through to the next stage tomorrow
I have now sorted out nearly half my christmas presents including all of my DD's.
My DS is taking part in the open evening at his new school in the Maths class!!!
My DD is going to a party tomorrow - but luckily already had lots of pressies in my pressie box for that age group....
Hope everyone else is well!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 -
Good luck with the job hunting and book. Your diary is an inspiring read so hopefully your book will be the same!2019 fashion on a ration 0/66 coupons0
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Thanks Jellie for posting and for your kind words. :T What brought you to MSE?Good luck with the job hunting and book. Your diary is an inspiring read so hopefully your book will be the same!
Well I've made chilli con carne for tea - hopefully OH and DS will like it. Slightly different recipe.
Need to go to open evening shortly, then will try and write some more of my book.
I need to take a leaf out of fly lady's book and try to tackle all the "homeless" items lying around the house - and find them a place or chuck them out....
Hope everyone is okay? Any posters out there - you are more than welcome? I'm sure lurking is fab but it is much more encouraging when you post!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 SH,
Mmmm chilli! I make it using a Swartz mix but would love to make it from scratch, any good recipes??0 -
I useSwinstie73 wrote: »Hi SH,
Mmmm chilli! I make it using a Swartz mix but would love to make it from scratch, any good recipes??
200g frozen mince
120g quorn mince
1 tin value kidney beans
1 teaspoon hot chocolate
lo salt
2 teaspoons hot chilli powder
1 teaspoon or less of garlic powder
value passata
served with brown riceAchieve 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 -
Sounds easy, what is passata though? Hot chocolate, what a weird ingredient, have seen a recipe using coffee right enough but never been brave enough to try it. Have never tried quorn mince either, ok going to the supermarket tomorrow so will get mince, hot chocolate and passata (when I find out what it is)! Thanks SH0
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