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Trials and tribulations of a Debt Free Wannabee!

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Comments

  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    51dDmQYV35L._SL160_AA160_.jpgthese aren't mine but similar kind of idea - love them - DS thinks they are gorgeous too especially the butterfly. Just been looking at pages of them on the web and DS and I were both saying gorgeous or ewwww to the same ones!

    51IMN%2BelKCL._SL160_AA160_.jpg
    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
  • milann
    milann Posts: 11,502 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    SNAP - I have a butterfly lamp very similar to that - they are gorgeous aren't they!!

    I'm so pleased you decided to take the sick note. Where will you stand if you resign - will you be able to claim any benefits. Would you be better to let them get rid of you - then if need be you can claim things ... or would it tarnish your record?

    I'm shattered tonight - and am planning a relaxing weekend.

    Milann
    January spends - £587.58
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    milann wrote: »
    SNAP - I have a butterfly lamp very similar to that - they are gorgeous aren't they!!

    I'm so pleased you decided to take the sick note. Where will you stand if you resign - will you be able to claim any benefits. Would you be better to let them get rid of you - then if need be you can claim things ... or would it tarnish your record?

    I'm shattered tonight - and am planning a relaxing weekend.

    Milann
    I think the lamps are pretty - but that photo above is a nicer colour than mine - I want one!!! If I stay lucky at bingoport tho I could buy one from amazon in a few MONTHS time! :rotfl:

    I think if I decided to resign that I might talk to my company about just letting me go immediately - and if necessary claim incapacity benefit for a bit - I think my doctor would be supportive. As I work thro an umbrella company they deduct £28 a week not sure if they still do that from SSP but if they do that is a nightmare! It is a work related injury and therefore hopefully a one off event rather than a recurring condition so I am hopeful it would count too much - but that is why I need to be careful....

    My knee is throbbing a bit as painkillers worn off again but I have taken the max dose of nurofen already. Will try some paracetamol but not sure if I am at max dose for them too. It is a hard balance between exercising my knee enough to retain full function and over-doing it.

    I have been looking at doing a ptlls course again - I could do a 5 day one starting at the beginning of Feb - you do a few days have 3 week break and then do a few more days. That would effectively allow me to teach in adult education or start developing as a trainer..... £425 is the cheapest I have found for an intensive course - some places charge up to £1800 for the same thing!!!! If I became a trainer that would be much more positive than what I have been doing recently and potentially more lucrative too so defintely worth exploring....
    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
    Well today I need to have another go a decluttering - so much surplus stuff in my house it is unreal. Need to create a "possible ebay" section and what to give to charity 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 10/10/25
  • milann
    milann Posts: 11,502 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Happy decluttering!!!
    January spends - £587.58
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    It's really cheered me up hearing about your plans, your progress with the clutter this weekend and seeing the beautiful lamps.

    I've actually spent half the weekend cluttering due to the house move. Boxing lots of things up.......how did I accumulate so much?!
    2019 fashion on a ration 0/66 coupons
  • milann
    milann Posts: 11,502 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    It''s quite scary how quickly we collect 'stuff' - at the mo there is only myself and dh living in a house that used to house the children and all their toys too. I don't know how we did it - as the 2 of us fill it and we've had an extension since the kids left home.

    I don't envy you packing to move

    Milann
    January spends - £587.58
  • You're sounding very mentally organised - glad you are feeling more positive about everything. Has your Dr suggested anything about your knee?
    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
  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
    Part of the Furniture Combo Breaker
    Hi SH
    How is it going? Knee any better?
    2019 fashion on a ration 0/66 coupons
  • savingholmes
    savingholmes Posts: 29,070 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    hi jellie, milann and imd - thanks for your messages

    Been feeling really weird today - not helped by my boss ringing me. "unfortunately" we exchanged answer phone messages so I may get rung again tomorrow.

    My knee reacted badly to me doing sunday school yesterday - I spent more time on my feet that I realised which left my knee throbbing. Bought some cocodomol to take today as well as nurofen but not really noticed any improvement.

    Only real positives from today are:
    lovely roast lamb dinner left over from yesterday
    able to pick up DD from school
    did some washing
    dropped 3 bags of stuff at charity shop

    Glad the lamps cheered you up Jellie - I love looking at them too. I need to do more decluttering... It feels endless.... I can tell that it is making an improvement but it feels such small changes at the moment...
    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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