We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Trials and tribulations of a Debt Free Wannabee!

1206207209211212270

Comments

  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    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 042
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 10/10/25
  • In_my_dreams
    In_my_dreams Posts: 1,192 Forumite
    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 xx
    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
  • sistercas
    sistercas Posts: 4,803 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    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 xx
  • milann
    milann Posts: 11,500 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    SH listen to your body - it is telling you something!!!!

    Big hug and positive vibes coming your way (((((((((HUGS))))))))))
    January spends - £587.58
  • Verbatim
    Verbatim Posts: 4,831 Forumite
    Part of the Furniture 1,000 Posts
    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 042
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 10/10/25
  • clearmydebts
    clearmydebts Posts: 6,485 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    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 unsupportive :(
    Total (Aug 19):€58,567 Now:€26,947
    DFD:Nov 22/June 22
    Mortgage: €199,712
    MFD: March 2042/July 2034
  • 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
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    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 10/10/25
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.