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Trials and tribulations of a Debt Free Wannabee!
Comments
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Hi savingholmes,
Been quite a good day today, glad you're having a good one too! You sound very motivated whereas I keep losing my motivation, one minute it's there, the next gone! Keep up the good work!0 -
Hi - just picked up the kids - little DD very pleased. DS wangled a friend round again - just returning the favour to some of the people who often have my DS while I am working. Managed not to give in to the icecream van but the kids are having some now at home. I'm still eating my choccies from the last week !
Oh an agency rang me earlier - I've rung them back but they were busy - waiting with baited breath to see if it is for an interview.... here's hoping!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
Everything is crossed SH, for the agency calling with an interview!
I'm taking a leaf out your book and getting my house in order this weekend, OH is on standby Friday and Sunday so got at least two free days. Got roofline done too so outside of house is like a palace, inside like a dingy dungeon.
Hope agency ring back soon.0 -
good luck again hope its an interview
DH went back to work today , he has just come in and flopped on the sofa, says hes cream crackered now lol. he only has to work thurs fri and then hes on holiday for 2 weeks , he did it that way so he had a short week and then a rest
SH i think Ds has a very wise head on his shoulders I like the cake/ fractions thing lol0 -
Well I worked out my job hunting stats today :rolleyes:
Applied for 37 jobs since mid Jan
Submitted to client for 14 of those
Rejected 11 times (sometimes this is because the role was withdrawn or was already in progress)
Don't know what status is for 12 roles (so probably not got)
First stage [STRIKE]5[/STRIKE] 6 times :j in 14 submissions (so far)
Second stage 2 times out of 5 first stages (1 still pending)
Third Stage 1 in 5 (so far)
At least the job centre should be impressed! Hopefully some more of the roles I have been submitted for will result in interview too
I have just been offered an interview Tuesday for a really good perm role:jAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
OH just sent me an e-mail
Subject: Remember - You're my Treasure - not what you earn!
I LOVE YOU!!!
[photo of treasure map]
I searched for you
[photo of treasure]
I found you
[photo of family!]
And my Joy is full
:j Aww that is so sweet!:jAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
Hi SC - yes at times my kids are scarily bright! They don't miss a trick:rotfl: Glad your OH's first day went well. It sounds like he planned his return well. Hope you have a nice time on your time off together...!:beer:good luck again hope its an interview
DH went back to work today , he has just come in and flopped on the sofa, says hes cream crackered now lol. he only has to work thurs fri and then hes on holiday for 2 weeks , he did it that way so he had a short week and then a rest
SH i think Ds has a very wise head on his shoulders I like the cake/ fractions thing lolAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
Hi Swinstie - my house would take quite a lot to get in order but have to start somewhere! I feel really tired... Need to prepare some more for interview tomorrow too. Taking DD to do a Show - hopefully won't be too long!Swinstie73 wrote: »Everything is crossed SH, for the agency calling with an interview!
I'm taking a leaf out your book and getting my house in order this weekend, OH is on standby Friday and Sunday so got at least two free days. Got roofline done too so outside of house is like a palace, inside like a dingy dungeon.
Hope agency ring back soon.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250 -
SH those stats look good to me- well done I have to say it must be very stressful preparing for all those interviews.
my house looks like a bombs hit it and do you know what , I just dont care lol. I just hope nobody comes knocking at the door :eek: :rotfl:0 -
Yes applying for jobs and interview prep is stressful and Yep I dread the knock on the door or when the kids say can their friend come to play:eek: :eek:cos my house is usually messy! Good luck with sorting your house out!SH those stats look good to me- well done I have to say it must be very stressful preparing for all those interviews.
my house looks like a bombs hit it and do you know what , I just dont care lol. I just hope nobody comes knocking at the door :eek: :rotfl:Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £172.5K Equity 36.11%
2) £1.8K Net savings after CCs 13/9/25
3) Mortgage neutral by 06/30 (AVC £26.8K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 32.6/£127.5K target 25.6% 13/9/25
(If took bigger lump sum = 54.5K or 42.7%)
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 £4.8K updated 13/9/250
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