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Trials and tribulations of a Debt Free Wannabee!
Comments
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            SH,
 Such fantastic news about the job.
 I love reading your diary, because it's so encouraging to see that no matter what the set back you always manage to pick yourself up and keep going.
 I will look forward to seeing how you are getting on in your new job.
 BBOriginal debt at LBM July 2008, £47, 654.34. Debt at January 2016, £21,443. Barclaycard [STRIKE]£9,000[/STRIKE]£8,756, Tesco cc [STRIKE]£3000[/STRIKE]£1,136. Debenhams storecard [STRIKE]£350[/STRIKE]£263, OD [STRIKE]£3,500[/STRIKE] £3,000, Corp Tax £3,036, Study loan £1,750, Smaller debts £2,000.
 Since my LBM I have not been fully committed so now I have had a 2nd LBM.
 Aiming to be debt free by December 2016:D0
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            :T:T:T:T:T:T:T:T:T:T:T:T:T
 Thats fantastic news, well done you!!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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            That's fantastic news :j
 I'm so pleased for you. You deserve it so much, sounds like it's all work out well.
 K xx0
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            v well done hope you will be really happy
 Mrs R#Tesco 0% NIL Jan 2010
 # RBS 3.9% NIL Oct 2010
 # Virgin 0% £2670.92 Oct 2010
 # RBS O/D NIL - repaid with redundancy pay Jan 20100
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             Fantastic news Fantastic news
 well done
 you so deserve this. :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A0 :A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A0
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            I've just come back from a celebratory :beer:drink with a friend (only spent £4.50!) and got all these lovely messages:j Thanks guys:T
 I hope I am not too exhausted when I start back Lurker! You know what that's like too don't you!Lurker1972 wrote: »:T:T:T:T:T:T:T:T:T:T:T:T:T
 Thats fantastic news, well done you!!
 Thanks Karen just hope this one works out!That's fantastic news :j....I'm so pleased for you. You deserve it so much
 Thank you always nice to meet my readers! I really hope I will be happy too. I worked out a timetable of how much free time I would still have and how much I could pay off if I took the job to help motivate me to accept it LOLmrs_robinson wrote: »v well done hope you will be really happy
 Mrs R
 Kiss Jen, Essex Hebridean, Swinstie, BabyBetty, Lucielle - I tried quoting you all but it doesn't seem to have coped! :rotfl:
 Thanks for the good wishes. I will just have to work with OH to find strategies to help me cope with the commute and long hours! Hopefully the Friday early finish will help! It is a ray of hope for the kids - as I've had a few jobs recently where I could finish early on a Friday and the kids love it! I must admit so do I!:rotfl:
 It is so nice to be wanted - and the company have been really flexible in practice to try and make sure they get me!:j
 Look at the time! So much for accustoming my bodyclock to early nights and early starts! Oh well there is always tomorrow!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
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            Wahoo well done SH, I knew it would come right in the end :j:beer::T :j:beer::T
 Am definitely doing my shopping online this week to arrive friday, still having difficulties walking so driving is a big no no 
 Hope you manage to have a sleep in after that late night 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
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            looks like there are alot of people delighted for you mrs ... goes to show you are well thought of by alot of people0
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            Thanks Sal and El
 Sal - hope the online shop goes alright and you feel a bit better soon. BZ is still struggling - how has a tummy bug on top of everything else.
 Well I have done a bit more xmas shopping and have found a couple of bits for my other sister's wedding later in the month. We are going to drop off the box at my parents and ask them to take it to the wedding abroad for us. I met a friend for coffee this morning which was nice but it has been one of those days - where did all the time go!
 Hope everyone else is doing ok! And thanks to my lurkers for de-cloaking and saying hello!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
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