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Trials and tribulations of a Debt Free Wannabee!
Comments
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Unlucky if they were £2 since I got them for £1 but I will skip over that... If you get haribos and stuff check out the pound shops for deals...
The female ones... could put make up in it? or boots freebies or buy one get one frees on hair products, foam bursts, bath oils etc.... if you go somewhere like poundstretcher, home and bargains may be able to get cheap versions to pad them out...
I was in home and bargain the other day and could have got a massage back strap, brush and lotions... for 99p - would look nice in the jar....
Ps Sorry forgot i was talking to you - do you not have some of your stock you could include? LOL
Just a few ideas...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 -
Sounds like the interview has made the decision for you about the job - which I guess makes thing easier to an extent? You know in your own mind that it's not right for you - you wouldn't buy your kids shoes that were a size too small just because they were a bargain would you? Well then - this job is a size too small for YOU, so by the same token, it's NOT a bargain!🎉 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
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
Thank you for that and your earlier post. I am just so afraid in case there is nothing else that I am in danger for settling for anything.EssexHebridean wrote: »Sounds like the interview has made the decision for you about the job - which I guess makes thing easier to an extent? You know in your own mind that it's not right for you - you wouldn't buy your kids shoes that were a size too small just because they were a bargain would you? Well then - this job is a size too small for YOU, so by the same token, it's NOT a bargain!
I know tho that I don't cope well with long days and lots of travel - so I am concerned that I would end up back with full scale depression (I still take anti-depressant tablets now but they are workign fine - and there has been no effect on my day to day life for years now - I just take the tablets to help make sure it stays that way.)
plus the potential impact on family life.... Plus I knew someone who worked there a few years ago and they absolutely slated the place....
It's just that no0one else is ringing me currently... altho I did get an email earlier about a possible local job - I will give that company a ring tomorrow and see how I get on!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 -
Deff sounds like it isn't the job for you saving ... Something will turn up though ... Just wish it was now for you0
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Sorry to hear you had such a tough day yesterday. I'm sure if the job is right for you you'll know it. Keep the faith!
At least it sounds like you had a good day on Sunday.2019 fashion on a ration 0/66 coupons0 -
Thanks el and Jellie
I am currently trying to tackle the clean washing pile in the utility room. I hoovered my lounge (major applause required) and now have about 10 piles and 4 carriers bags of clothes. Unfortunately one pile is for ironing.... most of the stuff I am not bothering with ironing.... Need to get back to it really.
Just had a lovely dinner - small jacket spud, 5 piccolo tomatoes, 2 spring onions, half a small can of salmon with seafood sauce - yum!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 -
:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T
You mentioned you'd like some applause
: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 -
I've found a new free website called calorie count where I can track what I eat, its nutritional value and my exercise burn off rate for free! Used it a few days now and already lost 2lb! Well I am about to go and get the kiddies from school and then belly dancing later!
Probably going to do a chicken fried rice again for tea. It is really easy to do and is about 440 calories each. I say chicken - it is actually turkey lol - don't know if that changes the calories....
Canola oil to cook (cook use fry light or similar)
Chicken approx 400g
Sweetcorn - small can drained
Spring onions
Petit pois approx 200g
Mushrooms / Mixed peppers / Celery / Drained water chesnuts if I feel like it
120g (dry weight) - cooked brown rice
Soy sauce
Yum - everyone in the family likes it... altho sometimes DD turns her nose up - more for us!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 -
:A:A:A:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T
You mentioned you'd like some applause
Now there is someone who understand how difficult it is too do housework :T:T:T:T:T:T:TAchieve 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 -
at the moment any sort of housework is difficult for me, getting DH to do most of it at the mo so I can rest Or atleast try to :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
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