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Trials and tribulations of a Debt Free Wannabee!
Comments
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Good to see you sorting out a couple of things from that list!
I'm also glad your knee is improving.
I know it's difficult but try and see things like sorting out sick notes, accident info etc as steps to getting out of the job! Every penny you get back helps you to be more secure if you decide you want to leave. Hopefully now you're feeling a bit better you'll be able to get some job hunting done.
You've really shown amazing persistence and resilience with all you've coped with. I'm sure it will be rewarded!2019 fashion on a ration 0/66 coupons0 -
Thanks Jellie - that is so nice...Good to see you sorting out a couple of things from that list!
I'm also glad your knee is improving.
I know it's difficult but try and see things like sorting out sick notes, accident info etc as steps to getting out of the job! Every penny you get back helps you to be more secure if you decide you want to leave. Hopefully now you're feeling a bit better you'll be able to get some job hunting done.
You've really shown amazing persistence and resilience with all you've coped with. I'm sure it will be rewarded!
I am hoping the back dated tax credit can be put towards debt when I get it.
Still need to do expenses, sick notes etc. Sat here watching xfactor in america! So funny!
I also watched martin lewis earlier - trying to save someone £1k and made suggestions worth £7K+ I wonder what he could do with our budget - already made a lot of savings.... Sure there is more I can still do!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 -
Maybe you should volunteer for Tonight!!
How did the OH go with his mending quest?2019 fashion on a ration 0/66 coupons0 -
I think I should volunteer- I think I would give him more of a challenge - I think he would still succeed tho:money:Maybe you should volunteer for Tonight!!
How did the OH go with his mending quest?
I think OH will be able to mend the ipod - just waiting for all the parts to arrive.
By the way I got a freebie mascara today worth £5.99 today thro the freebie board1Achieve 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 -
Managed on just ibuprofen today - no cocodomol so pleased with thatAchieve 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 -
Hi Savings
Sorry to hear about the knee, take care of yourself. I too saw Martin Lewis on ToNight programme. V interesting, and v positive! Have a good day!My debts at LBM (2009)Grand Total £161,983.77.(Incs everything, mtge, cr cards, loans)
May 2013 £124,080.27= £37,903.50 paid off WOW!!!!! Well done! There is a guardian angel out there! :AI'm visualising success, debt freeness, and happy days!:T0 -
Just dropped by to say hi!
Hope the knee is feeling okay todayTotal (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Hi positive and cmd - nice of you to drop in.
Knee is reasonable today - did end up taking extra painkillers last night as it was stopping me sleeping - but still a lot less tablets than earlier in the week.
Got some really depressing post today - I had apparently missed paying 2 CC bills. I am really surprised. I thought one was on DD but evidently not - will have to get OH to ring up and grovel on that one. The other one - I think he should grovel too and try and get the default payment takien off - I hadn't even seen the bill which I think was OH's fault - therefore hadn't arranged to pay it. I could scream with frustration!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 -
I haven't watched the film "bucket list" but apparently it is about 2 men who decide to make a list of things they want to do before they die...
Anyway there are certain things I have never done despite the fact I will turn 40 this year....One of them is go to a pop concert - so I have booked for me and DS to go and see JLS !! and for OH and I to go and see Norah Jones !! later this year! I am chuffed to bits although we will be £145! worse off financially as a result!Expensive!!! But a first for us! Need to try and raise some money methinks to make up for it!
I promise that I will send off the stuff to my umbrella company this weeked - that will be a good start!
Still need to pick up sick note but that will need to wait until Monday now... should be there waiting for me... They did say they would ring me to let me know it was ready but don't think they did
I have had to take some co-codomol today so knee still not as good as I would like but there we go.....
Hope everyone is okay....
Asda sent me a voucher for their online shopping service - so think will place an order now for next week - that should help prevent some impulse spendingAchieve 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 -
Hello!
How are things in the Holmes Household?
Wish Martin Lewis would give me an overhaul! By that I mean my financial bits and bobs, as clearly I am a happily married woman!** Proud to be dealing with my debts **LBM - Jan 2009 _pale_ : £24,802.21 :eek:February 2010 :silenced: : £18,078.47 (not including OD)July 2010
= £16,819.34 (not including OD)
January 2012 :mad: = £14,338.75 (not including OD)0
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