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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Hope we all have a good day tomorrow. (Just signed off with my name then - had to go back and delete it LOL).... You never know my boss or team mates could read this!

    Hope your day wasn't as bad as you feared.
    I do worry once in a while that I've posted to much info on here and could be recognised!
    2019 fashion on a ration 0/66 coupons
  • bigzippy
    bigzippy Posts: 4,034 Forumite
    then it is always hard working awhen the weather is like this - triggers my hibernation instinct:rotfl:
    Ha! Me too!!
    Do you remember my curtains from my dining room in the last house They had blue, red and cream in - I would want them back if we move house but I loved those curtains. They don't really fit here. They were long but not floor length
    Erm..... I could say yes...but I might be lying...:rolleyes::o
    Besides, the ones we have up, from my old flat, actually go really well with the carpet and curtains. And I do have sheets to match in, just might not be what I'd chose now iyswim? I'll just have to wait for my idea of "perfect" I guess
    Thanks tho :) Oh, btw, do you want your rug back from way back when?:rolleyes:
    Well done on decluttering

    VHS - we have a player so that would be okay but appreciate it is a lot of effort. I am not in work as late as that if I can help it...
    Ta I was rather impressed too. We're getting there at last! :)
    If I ever find out when it's on I should be able to set a reminder thingy and then I should be able to find a black video somewhere.... it should be doable but I don't want you to be upset if I forget one week lol;)
    *Jellie* wrote: »
    I do worry once in a while that I've posted to much info on here and could be recognised!
    Ah me too...but, well, so far I've gotten prodded by someone ;).... Or just spotted and ID'd by my sister. So long as it's the right one, I can cope ;)
    "I am indelibly stained by hope and longing" - Nuts in May
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    bigzippy wrote: »

    Ah me too...but, well, so far I've gotten prodded by someone ;).... Or just spotted and ID'd by my sister. So long as it's the right one, I can cope ;)

    Now I'm more worried!! Don't really want anyone I know realising it's me!!
    2019 fashion on a ration 0/66 coupons
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    *Jellie* wrote: »
    Hope your day wasn't as bad as you feared.
    I do worry once in a while that I've posted to much info on here and could be recognised!
    Today was really carp - but I've spent the evening watching Private Practice 2 but it is really fun and relaxing!
    bigzippy wrote: »
    Thanks tho :) Oh, btw, do you want your rug back from way back when?:rolleyes:

    Ta I was rather impressed too. We're getting there at last! :)
    If I ever find out when it's on I should be able to set a reminder thingy and then I should be able to find a black video somewhere.... it should be doable but I don't want you to be upset if I forget one week lol;)

    Ah me too...but, well, so far I've gotten prodded by someone ;).... Or just spotted and ID'd by my sister. So long as it's the right one, I can cope ;)
    Yeah - if the rug was green, navy and cream.... If it was the turquoise one perhaps not... If it was the red one... Which one was it?
    *Jellie* wrote: »
    Now I'm more worried!! Don't really want anyone I know realising it's me!!
    I don't want anyone knowing who I am but so far only sis who already knew about me and my username knows who I am....
    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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Another day another dollar.

    Seriously don't want to go to work today. DD had us up in the night which didn't help and I feel under the weather (but not enough to be off). I am supposed to motivate a team which is hard when I feel so demotivated and unappreciated. They don't use the word thank you much where I work, I am also not as involved with the management team as I have been at other places.

    Tonight I really must go through the job pages again and see if there is anything else out there....
    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: 11,579 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Keep plodding SH.
    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
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    H#ow are the bruises and soreness now SH? Good Luck with the jobs pages.
    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
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Another day another dollar.

    Seriously don't want to go to work today. DD had us up in the night which didn't help and I feel under the weather (but not enough to be off). I am supposed to motivate a team which is hard when I feel so demotivated and unappreciated. They don't use the word thank you much where I work, I am also not as involved with the management team as I have been at other places.

    Tonight I really must go through the job pages again and see if there is anything else out there....

    Keep going and think of your debt free date. When you reach that your job options will be much better

    xxx
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • Chin up SH - I know it's hard when you are tired and fed up but think of home time and getting home to your family. That's what I try to focus on when the chips are down. Big hugs x
    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
    Hi Lucielle, Verbatim, IMD and CMD

    Thanks for the encouragement and support. Made it in okay - late again - still problems on the motorway. Feeling really run down which isn't helping either. About to have my lunch which will hopefully cheer me up a bit - plus you lot of course....

    Only 5 hours left at work - and one hour of that is lunch! Try and cheer myself up that way!

    Tonight

    1) Need to look at job pages
    2) Do bp
    3) Redo my budget - perhaps find out how much I owe on my cashback CC
    4) Try and make some £ plans!

    Have a good day all.
    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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