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Trials and tribulations of a Debt Free Wannabee!
Comments
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Really pleased you've been paid, good news :j Glad you had a lovely night with friends and cheap as well, always a bonus! I've had a couple of hours with my friends and just makes me feel in a much better place.
Hope your knee starts improving soon.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
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What a place you work at - I've never come across anywhere so lax in paying wages - luckily for me
Hope they are true to their word!!
My new year wish for you is for you to get the job of your dreams - that would be a big help to most of your worries.
Have a good new year
MilannJanuary spends - £587.580 -
Thanks Milann - I accept that wish! I agree too! I promise tomorrow I will start looking at job adverts again!My new year wish for you is for you to get the job of your dreams - that would be a big help to most of your worries.
Have a good new year
MilannAchieve 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 -
Happy Hogmanay when it comes SA, hope all your hopes and dreams come true in 2010 x0
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Have a great New Year!
Thanks for all your support on here. xx2019 fashion on a ration 0/66 coupons0 -
hi Swinstie, Jellie and others - Happy new year!
Finally been paid - woohoo! I have one CC which is only 290.20 plus say £2.42 interest so will clear that 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 -
Been trying to catch up. So glad you've been paid at last, can't remember but do you have to invoice them? It's not fair that its so late all the time. Just as well there is another income in the house.
Happy New Year and hope that 2010 brings you some relief whether that be better job, or more family time.Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0
"The days pass so fast, let's try to make each one better than the last"0 -
hi gill - yeah I have to invoice them - they are then supposed to pay me within 2 weeks but it is taking 3 weeks or more - which is not fair. I am going to start invoicing them weekly rather than 4 weekly which will ease my cash flow!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 end of year update
PO £3614.28 0% until about Dec
BC1 £1446.40 15.9% so priority to pay but cheaper not to transfer
BC2 £1820 0% until July second priority to pay
BofA £2976.25 0% until Dec (includes transfer fee)
BH £200 0% loan only a few payments £40pcm left
MIL £4000 (CAR) MIL said happy to wait for now
Total £14096.23
Still have savings of approx £1500 too!
Net debt approx £12596!
Snowballing at £600 pcm would see us debt free in 24 months. Really want to beat this but this is very dependent on what job I have etc!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 -
Lovely to hear you have been paid. I reckon that 2010 must bring the job of your dreams after all the hard work and compromising you have done this year.
All the best for 2010,
:T
maggie0
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