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Trials and tribulations of a Debt Free Wannabee!
Comments
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The amount might not be the end of the world, its the principle.
They are making things harder for people who are finding things tight already, its just wrong
Funny how you never hear good stories about Credit Card or bank charges!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 agree it is the principle I object to.
Well checked my CC It looks like I have spent £800 since the last statement - but hopefully that does include the motorbike jacket which was £170 just by itself - and covered by my challenge money! I'm hoping that some of it is due to the extra fuel spend too due to my new job - which again I wll be able to offset against tax... Glad I checked the account tho - as I am hoping that I will be able to control my spending more..... I think I probably should check it at least weekly and make sure it stays under control!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 -
Job seems to be going well. How does it feel? Are you enjoying it?
I'm back essay writing again with more looming deadlines - next time I have the bright idea of doing this stuff - someone stop me - please :eek::A Let us be grateful to people who make us happy: they are the charming gardeners who make our souls blossom. Marcel Proust :A0 -
Hi Jenn - good luck with the essay! I love studying!
Job is okay - up and down really. Everyone is mega busy and I keep getting "stood up" for meetings! Hopefully things will settle down. I am planning to be a bit more proactive on my induction today - but I am not feeling that well which may limit what I am allowed to do!
I sooo didn't want to get up today. Nevermind - I need to go off and finish getting ready now and get in that car asap!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 -
It will be difficult for a good few weeks to get used to being up at that time, but you'll find yourself getting used to it soon
(Saying that I still have trouble getting up in the morning and been here a year now lol)
Hope your feeling better soon 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 Bevan
Yeah I struggled in. Had a better than expected morning so feeling a bit more positive again. I think I am feeling slightly daunted by the scale of the place and the fact that they don't do things the way I would due to high volume activities... Need to try and find some middleground....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 work nights ...and sit often and say i want to work days but i dont know if i could mae it in to be honest ...couldnt even make it in to uni today and that starts at 10am0
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Only a half day working today - but still struggling to make myself get out the door! I am soooo tired! I struggle to stay awake while driving in!
Well took DS to pizzahut last night bill just over £11 - we just had a drink each and a favourite starter platter! He was really chuffed and said he felt very loved - ahhhhh He was fine on his day at home and enjoyed the peace. He's out all day with friends today so hope he has a good time.
Get DD back today at lunchtime. MIL has bought her a couple of tops and leggings - which happen to match the new skirt I bought her which is great!
Anyway - must force myself to clean teeth and get out the door! So bye for now!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 -
Sounds like all is well with you.
Shame about the cheeky CC!
I'm another Flashforward fan. I like Bones too but rarely get round to watching it. I've been recording House but am not watching it until I feel better!2019 fashion on a ration 0/66 coupons0 -
Well my journey home took literally twice as long as it should have done - so with an hour with MIL - took 3.5hrs to do 42miles!
Oh well my bingo experiment has worked in that I have won back my original £5 - hopefully I will now be able to make a profit by winning some more. Going to sign up husband too!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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