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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • lucielle
    lucielle Posts: 11,596 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hope all goes well tomorrow.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
    Lucielle's Daring Debt Free Journey
    DFD Before we Die!!!! Long Haul Supporter #124
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks Lucielle. I so want a perm job, local to me... at the right money. Is it really too much to ask LOL?

    Oh well for tea - I found some piri piri marinade in the cupboard so we are having chicken breast, onions, mushrooms, mixed peppers and brown rice for tea. I reckon it should just come in under a fiver for 4 as I have half the bottle left and the mushroom and peppers were from the frozen section. The chicken was part of a 3 packs for £10 deal so again £3.35 for the meat or so....
    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 10/10/25
  • Lurker1972
    Lurker1972 Posts: 779 Forumite
    savingholmes wrote: »
    Thanks Lucielle. I so want a perm job, local to me... at the right money. Is it really too much to ask LOL?

    Oh well for tea - I found some piri piri marinade in the cupboard so we are having chicken breast, onions, mushrooms, mixed peppers and brown rice for tea. I reckon it should just come in under a fiver for 4 as I have half the bottle left and the mushroom and peppers were from the frozen section. The chicken was part of a 3 packs for £10 deal so again £3.35 for the meat or so....

    tea sounds yum, can I come too??

    There is a lot to be said about a local job....trouble is, for me, that means not the right money!!!

    hey ho!
    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.
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    tea is yum

    Yes local job don't pay right here either
    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 10/10/25
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 14 October 2009 at 6:34AM
    well I have straightened my hair ready for tomorrow - will just need to give it a top up tomorrow. Glad I have sat nav to help me get where I am going... Not going to make it to bed for when I wanted either as I still need to print out the address for the interview tomorrow and work out where to park.

    I have repacked the dishwasher, done the kitchen counters and nipped to the shop for bread, milk and sandwich fillers. Not sure where my prioritisation skills went to - hope I find them ready for next week lol!
    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 10/10/25
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Best of luck tomorrow SavingH!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well I am up! I've had breakfast and done my lovely scratchcards - 65p on yesterday. Now need to do my makeup and get dressed and out within 25 mins lol!

    See you guys later!
    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 10/10/25
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well the work bit went fine - met some nice, friendly people including some of my team. Looks quite positive so far.

    I then dashed to my interview. Seemed to go okay. He said I was better than he thought from my CV and gave me some interview tips :) That job is a perm job and better money but would give me work/life balance issues... We'll see what happens....

    Absolutely shattered now so goodness knows how I will feel next week EEEK
    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 10/10/25
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    oh saving things are happening so fast for you just now hun ...work/life balance issues are important you have to make sure it is the right one for all the reasons ...dont want to add stress to everything do you ? hark me who is talking ofcourse ...i wish i could get it right ...i wish i had a magic fairy that would sit down and explain me to exactly what it is i need to do ...

    hope your resting for the rest of the day
  • savingholmes
    savingholmes Posts: 29,087 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks El

    I have now been rung by another agency who recruit in my field but also have a related vacancy for their own offices. I have an interview with them next Thurs after work. They sound quite confident they can get me a job at better £ than the one next week. We'll see. I am currently of the opinion that a bird in the hand is better than the two birds in the bush but I am still open to other opportunities! For once I am putting the needs of our family and finances first!

    I was due to go out with another friend last night but didn't as too focused on today but may see if she is around later!

    We are having chippy chips for tea with a home cooked curry sauce. Hopefully that will be nice - we will forget about the calories for today! Afterall I have had no lunch. Did have porridge for breakfast but that was it
    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 10/10/25
This discussion has been closed.
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