We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Trials and tribulations of a Debt Free Wannabee!
Comments
-
Thanks jellie - I try. We have just made the most of pizza hut's happy hour deal - and had a meal out for 4 with drinks for £16. The kids wanted puddings on top so they paid for them themselves bless!
I've felt in a weird mood all day. Don't know why - think perhaps I am nervous still about starting this job after the last 2 false starts. I have done some cleaning, tidying, hoovering, decluttering and paper shredding across 3 rooms today. Shame there are some rooms I never get to LOL!
Well for any jobhunters out there - this job offer came due to my linkedin profile - so that was definitely worth doing. I now have 32 connections, don't often update my status but do have it set to looking for work. I have 3 recommendations on there - and have recommended 3 people. I have joined about 8-10 professional groups and have answered at least as many profession specific questions.
Hope everyone is doing okay. What are you all getting up to?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 -
The only advice I can offer as fdar as the exhaustion is concerned is try not to beat yourself up if housework or something slides - not that I follow my own advice!
am expecting to be back to normal by December - was off for 4 months so expect it to take 4 months back at work to adjust!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 -
I think you are absolutely right! The thing is I know from previous experience how absolutely wiped I am going to feel once I start - that is why I am trying to sort the house out a bit now and probably why I am worrying! Next week I will try to pre-cook and freeze some meals ready for when I start....Lurker1972 wrote: »The only advice I can offer as fdar as the exhaustion is concerned is try not to beat yourself up if housework or something slides - not that I follow my own advice!
am expecting to be back to normal by December - was off for 4 months so expect it to take 4 months back at work to adjust!
My front room, hallway and kitchen are nearly respectable enough for visitors now so the hard work of the last few days is paying off. I have filled a bin bag with stuff I have decluttered as well as another with shredding! Not finished yet tho!:eek: Will need to clean the loos tomorrow too!
I am also sat here shivering so I have given in and put the heating on... even then I am thinking of nipping upstairs and finding my woolly socks!:rotfl: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 -
savingholmes wrote: »Thanks jellie - I try. We have just made the most of pizza hut's happy hour deal - and had a meal out for 4 with drinks for £16. The kids wanted puddings on top so they paid for them themselves bless!
I've felt in a weird mood all day. Don't know why - think perhaps I am nervous still about starting this job after the last 2 false starts. I have done some cleaning, tidying, hoovering, decluttering and paper shredding across 3 rooms today. Shame there are some rooms I never get to LOL!
Well for any jobhunters out there - this job offer came due to my linkedin profile - so that was definitely worth doing. I now have 32 connections, don't often update my status but do have it set to looking for work. I have 3 recommendations on there - and have recommended 3 people. I have joined about 8-10 professional groups and have answered at least as many profession specific questions.
Hope everyone is doing okay. What are you all getting up to?
If you want to link to mine drop me a PM and I'll send you the details.
The Aberdeen job was thro it but I think it's vaporised - they unsubtley didn't tell me but deleted me from their email system!! Makes a girl feel wanted
I have a suspicion about what's going on but will phone next week to have it confirmed.
SH - Your job will be dandy...I'm soaking up enough bad karma to cover us all at the moment :rotfl::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 KJ and sorry things are so rough for you. We've had years like that but thankfully despite the tough times this year we seem to have managed to remain positive and optimistic - probably with considerable help from this site as it gave me a daily focus.... So thanks guys!
Well been into town and got some ribbon (98p) for my sister's gift box and some metal tags for 70p each that say "with love" on. May post a piccie later... They look beautiful
Hope everyone else is okayAchieve 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 -
Wooo job ! Well done, just caught up
0 -
Fab news well done! You deserve it.x And thanks for tips on my post!xx0
-
HI Claire and BTD nice to have you along and thanks for the support.
Well the whole of downstairs other than the garage and utility are now tidy. Our guests were lovely so we have had a lovely night in. Shame I have to move loads of stuff off the bed to be able to go to sleep later tho LOL! We planned ahead this time - and have invited another couple we would like to get to know better for dinner tomorrow. The food is largely pre-cooked and is currently defrosting. We didn't want to have to tidy up twice LOL
Had a good weekend so far. Singing tomorrow at church and I quite enjoy that so that's positive... Kids are happy, we are happy, life feels quite good. Seem to have got over my stress... Need to hurry up and go to bed tho - but did get up late today so not that tired yet!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 -
saving am loving this openess with your son ...i think it will help him when he has to face all these things when he is older he will be for warned and therefor for armed ...loving the happy vibe on here aswell ...but also am astounded on how you have managed to do so well with only working 4 days ...i stand in awe of you well done you must feel some huge sense of achievement0
-
Hi el - my son is fab. The new job will still be 4.5 days so most of the week is paid. Start a week tomorrow
Latest visitors went well. I think us socialising more again is a really positive sign (of our mental health). We have been rather insular for a while so hopefully this might be the start of some new friendships. I also spent time with a friend last week who was quite down and was really honest with them about how down I have felt at other times in my life - and apparently that really helped - so that was quite validating. I tend to feel a bigger sense of achievement from things like that rather than just from work.
OH loved the food this weekend - we still have stew left from today and chicken left from yesterday for another day.
Just won about £5.50 on my free daily scratchcards - so just able to withdraw £13! Really pleased about that.
Hope everyone else having a good weekend.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
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.2K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.2K Work, Benefits & Business
- 600.9K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards