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Trials and tribulations of a Debt Free Wannabee!
Comments
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Barstewards! Use the time off to apply for other jobs and advertize your availability.
O like the sound of your OH.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 0420 -
thanks cmd and verbatim - that's lovely!
I'm going to see a friend in a bit - a rarity these days with my long commute - hoping that I will feel a bit better in myself after that!
I have kind of been over-shopping recently in the grocery department so my freezer is full to the brim anyway! Financially it will be extremely hard if I give up my job but we would manage.... if we tried hard enough. Need to decide whether I want to do a balance transfer while still in work or not!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 -
A job is not worth unbalancing your life and mental health for. I would take the sick note, they have been completely unreasonable about your injury (and wasn't it at work as well?) so you owe them nothing. I would listen to your OH and put yourself first xx1st 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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oh SH you sound like you are truly unhappy, maybe your DH is right . I know money is important but your health ( and sanity) is even more so .
I do hope you can sort this out, you seem to burning yourself out and if that happens you will be no good to anybody
(((hugs))) to you , try and rest this week xx0 -
SH listen to your body - it is telling you something!!!!
Big hug and positive vibes coming your way (((((((((HUGS))))))))))January spends - £587.580 -
If you need a BT do it asap while you can honestly state you're in work.
then sue your work for your injury. Atta girl.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 0420 -
hi imd, sc, verbatim and milann
Thank you - you are all lovely. So nice to come in to! I am taking the sick note conscientious person that I am tho - I am debating whether or not to do a 20-30 minute piece of work to help one of my team..... It's not their fault.... I have also accidentally brought work home with me that I shouldn't have done if I am not in for a week - so don't know what to do about getting it back to them! I suppose I could always scan in any urgent stuff.
I think I have to focus on getting my knee (and arms) fit and healthy again. I am literally in no condition to go for an interview at the mo. The way I feel right now I would happily take in a lower pay job like in a shop or a bar - but with my knee even that kind of option is not available to me which is incredibly frustrating.
I am going to look into training again - as that might be something I could still do while I am off - and that might then open some new doors. The work I've been doing recently has been ultra depressing!
Financially we could survive a month or two reasonably easily I think, month 3 we would have to use savings... after that who knows?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 -
savingholmes wrote: »hi imd, sc, verbatim and milann
Thank you - you are all lovely. So nice to come in to! I am taking the sick note conscientious person that I am tho - I am debating whether or not to do a 20-30 minute piece of work to help one of my team..... It's not their fault.... I have also accidentally brought work home with me that I shouldn't have done if I am not in for a week - so don't know what to do about getting it back to them! I suppose I could always scan in any urgent stuff.
I think I have to focus on getting my knee (and arms) fit and healthy again. I am literally in no condition to go for an interview at the mo. The way I feel right now I would happily take in a lower pay job like in a shop or a bar - but with my knee even that kind of option is not available to me which is incredibly frustrating.
I am going to look into training again - as that might be something I could still do while I am off - and that might then open some new doors. The work I've been doing recently has been ultra depressing!
Financially we could survive a month or two reasonably easily I think, month 3 we would have to use savings... after that who knows?
Hi SavingH,
I can only echo what I said yesterday. I don't think any job is worth sacrificing your mental health for. It might be a better idea to take a lower paid job and retrain to something you love. At least the money would be coming in.
The place you are in at the moment sound very unsupportiveTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
I'm glad you are going to use the sick note. I would say step away from the work you have took home but I know that's easier said than done and sometimes you can't rest until you have done what you feel you need to (if that makes sense).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
0 -
hi cmd and imd and thanks - well I rang in. My boss didn't express any concern for me at all or what level of pain I was in - so not impressed. Not my problem now - except I am still electronically handing over work! I'd rather do it electronically than on the phone!
I don't intend to do the stuff I brought home with me - that is why I am kicking myself for bringing it home IYKWIM don't think there is anything urgent in it but who knows... or should I say right now who cares!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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