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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • Glad you got paid, how stressful not knowing if you were getting it or not. Fingers crossed they will pay you before xmas as well, although they should if they've promised!

    I am organised for xmas now but only because I forced myself to get on and do it. Pestered the kids to death to write their cards (included chocolate bribes) but they are done too!

    Enjoy the play tomorrow, just watched my little boy's - he was very impressive!
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • milann
    milann Posts: 11,500 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Nothing like a Christmas play to bring a tear to the eye!!

    At the moment for our Nativity - the singing and signing for in between the filmed bits recorded last week are a bit hit and miss - bless - we do expect a lot from the littlies. Think we need a break and do some good old nursery rhymes for a few days then zap them with it again Friday ready for Monday and Tuesday when they perform infront of the audiences.

    Glad they finally paid you - makes going to work a lttle more worthwhile :)
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    HI Imd and Milann (and other readers)

    Yeah looking forward to seeing DD altho as I say she is a guest this year rather than a key actor in this one....

    She has been referred to a podiatrist today :eek:- as OH took her to the doctor as she keeps complaining of foot pain! Feel like a bad mum again - :o as I have never took any of these types of complaints seriously! Apparently her feet lean in a bit when she is standing and walking. Personally I think mine do too as I have always had to concentrate when I walk etc... I've never taken it seriously as she swaps which foot she complains about - but apparently that is normal - and is a sign that she keeps trying to compensate for a problem with one foot by using the other more and then when the pain gets too bad swaps over :eek::o:eek:

    The day bed by the way - I originally envisaged it costing £120 and thought it was a "cheap" option - final price with 2 fitted sheets - an eyewatering £244!:eek::eek::eek: and I've given my friend something towards petrol money on top as they are going to go and get it and deliver it for me and I don't even have to go - which will save me at least 3 hours of miy time :T and at least £15 :money:on Ikea's delivery charge :beer:

    Working a slightly short day tomorrow for DD's play and then approx 12 hours on Thursday but will then not work Friday. So deep breaths will get me thro the rest of the week hopefully!

    OH still needs to tell his friend I washed the cheque - as not been able to put that in the bank :o Hopefully he will do it - he reckons I washed it last time as well and that he had to ask for a replacement then too:eek:

    What can I say :confused: working mum, trying to please everyone - impossible!

    Night night, past my bedtime and I sat up last night late 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 10/10/25
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    Don't feel too bad about your daughter, it's hard to know when they are exaggerating or not with children. My best friend's daughter had hardly any sight in one eye and they only found out when she started school - don't beat yourself up.

    Just think of how long the bed will last though, will be worth it in the end.

    Being a working mum is far from easy
    1st debt - Next [STRIKE]£583.32[/STRIKE] [STRIKE]£408.71 [/STRIKE] £0 :j
    2nd debt - MBNA - £6,618.52
    First in many many to go - baby steps and all that!
    First lump sum to go - fingers crossed!
    08/06/09 - [STRIKE]£11,497.68[/STRIKE] NOW - £9,757.75
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks IMD

    Well for good ill my friend has collected DS's present from ikea - she managed to get the slatted base for £10 :money:rather than £35 I gave her so £25 saving there. The mattress I wanted was sold out so she bought the next thickness down which may not be thick enough - but was considerably cheaper. Her thinking is that we can assemble the daybed bit - and try the mattress in situ (still in its packaging;)) to see whether we think the depth is good enough or not.... Ikea offer a satisfaction guarantee anyway on their mattresses so should be okay! So I should be getting some change which would be fab!:j:j:j

    Got sent £4 in clubcard vouchers today too:cool:

    MIL has been and duly watched the play with me. I gave her a photomug - she was chuffed to bits... DD was fab of course! Offered to start paying MIL what we owe her for the car - she said she wanted us to wait, get on our feet a bit and make sure this job was okay (the commute is horrendous)! Sweet or what!:A

    Hope to invoice my company again Friday and then hopefully should get paid the wednesday before xmas and then hopefully blast the debt!

    Hope you are all okay - I am assuming that everyone is mega busy with xmas that not many people are posting! If so - hope it is going well
    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
  • lucielle
    lucielle Posts: 11,577 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Still here and lurking. Hope the pay comes through for you.
    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
  • I'm here too!

    Your MIL sounds fab :)

    Hope you get your pay before Xmas. I am looking forward to seeing your sig change and your debt being blasted!!!
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Thanks CMD and Lucielle. Before we got married my MIL was awful to me but she has been pretty great since! I so want to blast the debt - its really the only thing keeping me in this job... Just see it as chunks off the debt and part of my journey not just towards debt freedom but freedom generally. If we had no more debt could be more choosy about what job I take, when and where!

    Working a 12 hour day tomorrow plus commute so need to go to bed! Don't want to tho! Not working Friday then tho so that is something to look forward 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 10/10/25
  • Swinstie73
    Swinstie73 Posts: 2,897 Forumite
    Hey SH,

    Glad got your pay before Christmas, every little helps!
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi Swinstie - just remembered - I am going into work 2 hours later tomorrow so can stay up a bit longer lol! How are you doing?
    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
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