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Trials and tribulations of a Debt Free Wannabee!
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Well just got 10ps on daily scratchcards today but my amazon voucher from bp came thro which is great. Will be getting OH one of his xmas presents - a Dr Who box set!!
I need to leave for work very shortly! I was supposed to see an agency tonight about a perm job but they haven't sent me any further info so don't know if that will come off. Another agency has been in touch via linkedin again to discuss a poss perm role on more like the money I have earned in the past or better.... I am still keeping my options open but want to make the most of the opportunity I do have too! Perm jobs can take 3 months or more to go thro the process anyway!!
Hope you all have a good day! Feel on tenterhooks now as don't know if definitely have an interview tonight... Think will take a spare top and extra makeup with me LOL just in case!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 -
I'm glad there are perm job possibilities in the pipeline. If you have an interview I hope it goes well.2019 fashion on a ration 0/66 coupons0
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Interview got cancelled as interviewer caught in traffic!
Well today work landed on my desk with a bang.... I have some really meaty stuff to do! I think it will be a full on role..... I just hope I don't have to compromise my professionalism due to volume....
Well expenses got paid - woohoo - so probably about £60 profit there on the mileage at least.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 -
Nice profit
and good luck on your meaty bits 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 -
Hi - Well had a good day - got out as planned at lunchtime.
I saw that Marks and Spencers had a deal on meal and wine for 4 for £15. So I bought a few and frozen them and saved the wine for xmas hampers!
Spoken to an agency about a really nicely paid job today - wrong location but money would be worth it and I might be able to go by train - thro linked in again. I am now up to 39 connections on linked in so really pleased with that. I do highly recommend it to any job seekers or people needing to network as part of their job!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 -
I really must try and look at linked in properly, it never comes up with anyone I know though lol: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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It helped that I had worked at one particularly big company for over a decade! A lot of my contacts are from there - but I also have some from the shorter roles I have had in recent years!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 -
Well OH took DS to cinema today - they watched vampires assistant and loved it....
I took DD round the shops and to McDonalds for a McFlurry. She showed great restraint in the shop 49p plastacine and 19p sweets - given that she had £7 she did really well at not spending the lot!
Wanted some cushions but they were out of stock. I picked up a couple of striped red and cream cushions yesterday for the lounge - they passed the family seal of approval and wanted a couple more plus a couple for DS for xmas but it wasn't to be. Really hope they get more in very soon!
BHS had 20% off day today so I picked up a gorgeous floaty dress for DD, some socks for me !!!! and a couple of advent calendars on buy one get one free. Vaguely mse I suppose!
We had a chippy lunch but that was £7.90!!!! We would have been better off with one of those "expensive" M&S meals LOL!
I really need to do a grocery shop but not done a proper one for 2 weeks at least now - just picked up odd bits.
Hope you're all okay! Also paid in the cheque for last week's favour so that should help our bank account out for a bit!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 -
Well after spending a fortune on lunch - we went back to emptying the fridge and freezer!
I had tuna melt jacket spud,
OH had jacket spud, beans and cheese
DD had a piece of fish from the freezer, micro chips and beans
DS found a container of frozen chilli and rice and heated it up.
Quite pleased with that as brings food spend for the day back to reasonable level!
Done some washing and cleaning today. Found a broken bulb that still worked complete with scorching on nearby surfaces - so that was a lucky safety find!
DD is watching strictly at the mo - but luckily it is her bed time and I can swap to xfactor!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 -
Thanks for dropping by my diary! The community on this site really inspires me to keep going!!!! I hope you are enjoying x factor.... I am watching it with yet another cup of tea!!!!
:jElbereth:j:j0
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