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Trials and tribulations of a Debt Free Wannabee!
Comments
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good luck SH fingers crossed for you x0
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Oh no!!! Hope it didnt happen too early in the honeymoon, hope its a prettier colour soon.
Good luck for the job xx: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 -
If I'm honest, I think if the job is right for you you will feel it worth the sacrifices to go for it. Sometimes all the doubts/potential problems are actually masking the fact that deep down we feel that it's not the right path to take...
Bottom line is, if it's not the right thing for you and for your family (ie you're going to be stressing about the journey, leaving the kids etc) then all the financial rewards in the world don't make it worth it, do they.
Hope things have gone well anyway.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Hi SC, Sal and EH - thanks for posting always nice to come back to.
Well they kept me waiting nearly 20 minutes then the interview was about an hour and 30 minutes - so got home about 10-15 minutes ago from a 5.30pm interview! Doesn't exactly make for an instant warm and fuzzy feeling about the place. Immediately had row with OH (who had prepared nothing for my tea) and was ignoring me! I'd told DS he needed an early night and instead OH and DS were watching a film that OH said I would find too scary... Ok how would that help with avoiding crying in the night/morning from DS
So I feel great - NOT
Going to go upstairs and check on son in a minute, as strangely everyone has now scarpered.... How to feel like the big bad wolf in 3 easy stages
ps I am kn ackeredAchieve 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 -
Hi - well kids now sorted... (and in bed - suitably hugged and kissed!) OH is sort of apologising with action. Just caught up on thelight bulbs that need changing and is making me a decaff coffee. I in turn have offered him some diet coke I bought lol.... Neither of us have used the word sorry yet tho!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 -
Hi SavingH,
You poor thing coming home to no tea. How sweet that your DS misses you though. You must be a lovely mum!
Hope you get the jobTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Thanks CMD - I hope I am a good mum - I try very hard
I want A job, but I think that the one I went for today is a) too far away b) under resourced generally and c) has a poor reputation. I think I would be shattered every day... I think I should wait for something else as I just feel really bad about this job - and last time I felt like that and took the job it didn't work out well.... OH is supportive of me not taking it if offered but still struggling to give myself permission.
I took redundancy 4 years ago after severe depression as I wanted a better work life balance - this does not fit that value at all...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 -
SH - i really admire your spirit and stamina with regards to your job hunting! many would have just given up .. but you keep on trying and good for you!
its not easy i know from experience applying for jobs - not hearing anything and getting you hopes up!
i sure you will fine a great job soonest
i wish you the very very best xHighest Debt £581,000 Nov 08 and now owe nothing! yes really! I have learnt my lesson the hard way!
:heart2:Ebay Challenge 2011 - Still supporting from afar!
Long haulers supporters DFW #2230 -
Believe me I never want to go for another interview again. I want to find a deep dark hole somewhere and hibernate...SH - i really admire your spirit and stamina with regards to your job hunting! many would have just given up ..
Unfortunately that would not pay the bills. I think though I still need to be kind to myself in where I apply to and I am trying to tell myself it is okay not to want a job 42 miles away from my kids and where the working hours would be long and there are roadworks on the motorway and two town centres to drive thro!:eek:
Thank you! It is soooooooo hard to just keep going.... but I have to believe that the right job for me is still out there.... but I do wish they would give it me without interview or application... I'm so fed up of that bit of the process :rotfl:but you keep on trying and good for you!
its not easy i know from experience applying for jobs - not hearing anything and getting you hopes up!
i sure you will fine a great job soonest
i wish you the very very best xAchieve 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 -
Hi SH,
Sorry to hear the interview today was a nitemare, i.e. getting home at a very late hour! Hope OH apologised big time for not making you dinner!
Got 2 off those kilner jars from Asda, think they're the right ones (were £2 each), going to buy some Haribos and stuff for my neice and nephew and was going to get another one for our family lucky dip (usually about £20), any ideas what I could fill it with? Has to suit a female (3 sisters or mum will get it)!0
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