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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • bigzippy
    bigzippy Posts: 4,034 Forumite
    Tiredness definitely won't be helping but it was a slippery floor and my boot slid - and then so did I face first out a door!!!!!:eek: I was really lucky it was a push open external door and it opened!
    I've been flying there a few times too, and it's not an unusual thing from what I recall... :rolleyes: Hopefully it went in the accident book?
    hi csa and se - I agreed I could work from home today - got some work done.

    Still in pain - in neck and shoulders now not just elbows and knee! But my knee swelling has gone down a bit and I have more freedom of movement now. Intend to go into work tomorrow.
    Hope you're feeling better quicksticks SH :) And glad they let you work from home today too! :T

    The result of our :idea: moment has meant that we are in the process of getting CAB's debt advice case worker to freeze the interest/charges on the relevant debts, and about to start proceedings to sell DH&MIL's house... if it comes off, and we get what the estate agent seems to think is a realistic figure, and it actually sells, we could all walk away (aside from student loans) debt free, with even a couple of grand to our names! :shocked: Now hoping and praying (and stressing) that all will go to plan (and that MIL sticks with the plan too!) and that it goes as smoothly as possible! :o If it does, she should be much safer, in sheltered accomodation, potentially with housing benefit helping her out too.:D So get praying that it happens!!!;)
    "I am indelibly stained by hope and longing" - Nuts in May
  • Good luck Big Zippy. My grandma had a wonderful flat in sheltered accomm and absolutely loved it, she never looked back so fingers crossed for that.

    SH, thankfully, our camp shuts down on Friday and doesn't open again until the 4th Jan. So two weeks off, hooflippinray!!!! We get two days "grant" added to the bank hols so only actually use 5 days of leave.

    Hope you're doing ok and the cold isn't making it worse.
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi bz - good luck with selling the house - glad you have CAB involved too - makes sense

    Hi CSA - sounds like a nice break bet you can't wait!
    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
  • se999
    se999 Posts: 2,409 Forumite
    Good morning, how are the aches and pains?
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    Sorry to hear about your nasty fall. As BZ says make sure it's in the accident book. if it happens a lot their h&s needs looking at before someone sues them.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • bigzippy
    bigzippy Posts: 4,034 Forumite
    Good luck Big Zippy. My grandma had a wonderful flat in sheltered accomm and absolutely loved it, she never looked back so fingers crossed for that.
    Thanks CSA, just what I needed to hear! :) I think it really would be the best decision for her, regardless of the financial situation...I just hope she continues to think it too or it could turn into a battle!:rolleyes:
    Verbatim wrote: »
    Sorry to hear about your nasty fall. As BZ says make sure it's in the accident book. if it happens a lot their h&s needs looking at before someone sues them.
    Iirc, it already has...?:confused:
    "I am indelibly stained by hope and longing" - Nuts in May
  • bevan840
    bevan840 Posts: 1,014 Forumite
    Part of the Furniture Combo Breaker
    Hope your doing ok after your fall SH, do you have any arnica? It can help with bruising.

    I've no idea what I'm doing on bp anymore, I did the bingo, then started on slots, and I never seem to get anywhere, are there any tricks/tips I could borrow? x
    :idea: Jan 09. Debt @ LBM - £11936.55 Debt at worst - £12600.55 Current Debt (01/03/2012) £8,859.51 29.7% Paid off
    Honeymoon Fund £410.40/£6000 House Deposit £1.50
    :A Proud to be dealing with my debts. DFW Nerd 1177 :A
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi everyone

    Thanks for posting - I went to the hospital tonight - apparently I could have a fractured knee cap altho she thinks I am walking too well for that. They want me to go for an xray tomorrow. Feel very scared 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 10/10/25
  • hi everyone

    Thanks for posting - I went to the hospital tonight - apparently I could have a fractured knee cap altho she thinks I am walking too well for that. They want me to go for an xray tomorrow. Feel very scared now.....

    Oh you poor poor thing. That sounds so sore. Hope you are okay
    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
    Oh you poor poor thing. That sounds so sore. Hope you are okay
    Thanks CMD - just having a panic attack - literally was shaking before at what might be.... Have just spoken to my sis and a friend so feel a little better now.... still scare tho....
    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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