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Trials and tribulations of a Debt Free Wannabee!
Comments
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See i go by public transport (cant afford a car at the moment and insurance would be about 900 !) so it will get easier for me in the long run.
Ye that is alot to think about, youll know when the time comes though and see if it works out financially.0 -
My OH says I am just making excuses. He doesn't understand the way women need to think/talk things thro. He reckons he can manage with just his motorbike - but I know on frosty days I will be scared for him on a motorbike!
Trying to get OH to deliver the kids to the youth club... it interrupts his electronic game grrr - sticking to my guns....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 checked out public transport - would cost £12.60 per day plus £3 to park (nearly double the diesel cost) unless OH dropped me off and would be a mixture of train and walking and would take between 1hr15 and 1hr45 each way! Plus if I missed the first train, I wouldn't get into my home town until 7pm. I think at that cost and that amount of effort - public transport would be reserved for rare occasionsAchieve 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 to say hi and goodluck!x0
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Is there not zone cards etc that would be cheaper ?0
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Good Luck with the job and I hope they are flexible to meet your needs... sounds like you have so much going through your head... arrrrrrrrrrrrgh. Not enough hours in the day :S0
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Best of luck tomoz. You'll be fantastic and what's meant to be is meant to be. There are too many variables at the moment, you know how good you are at your job, if they don't see that then their loss.
I know what you mean about half speed, I get so much more done when I have a lot to do if that makes sense. Big to do lists now including 4th attempt at passport forms, my stress level is out of all proportion with them now :mad::A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A0 -
Thanks guys
No zone cards that I am aware of.
Financially is still worth doing (I fed the figures into my budget planner) - It's only a temp job... so not a forever commitment....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 today SH x
Hope BZ is ok x: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 -
BZ's foot is black and she is in severe agony - so no not quite okay..... But thanks for asking!
My DS has been crying for an hour and half already today as he has been missing me. I think he a) went to bed too late last night and b) is worried about the status quo changing if I get a job... He likes having me around!
That is all very well but we still need to be able to pay the bills... I need to get a move on and grab some stuff and go to my sis's house..... and get ready for the interview from there. OH is taking half a day off to get DD from school and DS will meet him there....
Hope everyone else has a good dayAchieve 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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