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Trials and tribulations of a Debt Free Wannabee!
Comments
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Great to see all the progress you've made2019 fashion on a ration 0/66 coupons0
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just wish it was more - if had been able to keep that job (it was temporary) I would be debt free by now!Great to see all the progress you've madeAchieve 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: »just wish it was more - if had been able to keep that job (it was temporary) I would be debt free by now!
I know but considering all you've been through you've done amazingly well. So many people would have just slipped back completely. You may have had to slow down but you're still making amazing progress and showing the rest of us it can be done!2019 fashion on a ration 0/66 coupons0 -
Thanks Jellie - that is so lovely and encouraging! Yeah in the past I would have said sod it and we would be another £10K at least in debt by now... but this time I have been fairly good! (not all the time of course but no major blow outs)I know but considering all you've been through you've done amazingly well. So many people would have just slipped back completely. You may have had to slow down but you're still making amazing progress and showing the rest of us it can be done!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 -
Very shortly I am off out for coffee with a friend which should help cheer me up. I am also going to finally put my sick notes in an envelope and post them. Have scanned them on the computer so have a copy if needed.
I've realised I have another avenue to try and get some more dosh - I do have sickness insurance that I wasn't sure would pay as I am in a temporary job - but wonder whether cos of the umbrella company bit it might.... Going to check out the website later.... If it did it would make a massive difference about £450 a month I think.... It won't pay out for the first month but might after that? A little ray of hope anyway...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: »Very shortly I am off out for coffee with a friend which should help cheer me up. I am also going to finally put my sick notes in an envelope and post them. Have scanned them on the computer so have a copy if needed.
I've realised I have another avenue to try and get some more dosh - I do have sickness insurance that I wasn't sure would pay as I am in a temporary job - but wonder whether cos of the umbrella company bit it might.... Going to check out the website later.... If it did it would make a massive difference about £450 a month I think.... It won't pay out for the first month but might after that? A little ray of hope anyway...
That would certainly make a huge difference. Let us know how you get on
Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Had a nice time out with my friend - with cappuchino thrown in. I have spent about £6 on food and about £8 on garden and paint stuff....!
well yesterday I spent £10 to make £20 - at a site where I already had a tenner plus waiting for me so all being well - should get £31 coming in my direction in a month or two!
I am going to check out some of the other cashback sites too to try and reach payout level...
Need to pick up DD very soonAchieve 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 -
Moneybackmadness would need to spend another £15 to hit cashout level.
Greasypalm - is the one where should have £31 coming for £10 spend so £21 profit
Quidco - waiting for money to be received
Valued opinions - at £8.25 - just need to hit £10 - did the survey for 25p today
Lightspeed 270 points - need to do another 2-3 surveys and then hopefully could get £5 from Amazon
Ipoints 1490 need to double I think to get anything worthwhile....
Will go and see where other accounts are up to. Hope to redeem from bingoport again tomorrowAchieve 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 -
Did another survey for £1 - so now at £9.50 - thought no excuse while I am off...
Just had tacos with mince beef, lettuce, tomatoes, spring onion, salsa, grated red leicester cheese and soured cream for tea - yum.... Think may have it again tomorrow LOL! Really enjoyed it.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 -
Understand your decision about the school trip, as you say it starts to become disproportionate if you aren't going on a family holiday.
Sounds like you have been ultra productive today though
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
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