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Trials and tribulations of a Debt Free Wannabee!
Comments
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I'm now imagining your fluffy knee! Glad the gels are more effective.
I guess old injuries could be a problem.2019 fashion on a ration 0/66 coupons0 -
Being finished from work might just be a blessing in disguise. If you hand in your notice - you won't get any benefits. It obviously isn't the job for you as it involves such long journeys - is making you depressed and interferring with the work/family balance too much. Sometimes these things are taken out of our hands for a reason - if you aren't working you can concentrate on getting 'properly' well and then a job. Only problem is - managing between...... conundrums, conundrums..... why is life so complicated.
Are the children back at school tomorrow - week went far too quickly!!January spends - £587.580 -
Hope your feeling better today SavingH - just popped by to say hi
Total (Aug 19):€58,567 Now:€26,947
DFD:Nov 22/June 22
Mortgage: €199,712
MFD: March 2042/July 20340 -
Hi Jellie what is funnier is one of the gels I am using is a freezing gel and is coloured blue - not a great look when it "runs"!I'm now imagining your fluffy knee! Glad the gels are more effective.
I guess old injuries could be a problem.
Yup I can't afford to resign however tempting it would affect:Being finished from work might just be a blessing in disguise. If you hand in your notice - you won't get any benefits. It obviously isn't the job for you as it involves such long journeys - is making you depressed and interferring with the work/family balance too much. Sometimes these things are taken out of our hands for a reason - if you aren't working you can concentrate on getting 'properly' well and then a job. Only problem is - managing between...... conundrums, conundrums..... why is life so complicated.
Are the children back at school tomorrow - week went far too quickly!!- any accident claim I might make - need to send the paperwork off on that and see if there is a chance
- any insurance claim I might be able to make on my mortgage insurance
- and mess up any future benefits!
Hi CMD nice of you to pop in - look forward to your baby making an appearance!clearmydebts wrote: »Hope your feeling better today SavingH - just popped by to say hi
I am hopeful that I will be able to motivate myself to do some much needed paperwork tomorrow.
I don't know about you but we had over an inch of snow last night - and still have some left - it will be interesting to see what the weather is like this weekAchieve 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 use that blue freezing gel - it's quite good and not as smelly as deep heat which just makes me think of football changing rooms - not that I've ever been in one so don't know why......
You can get the ice packs which I've found quite useful as well.
Hope you get your paperwork done today and hang in there with work, after all you fell over at work and it wasn't your choice to be off sick.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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Hi IMD - yep the gels definitely good!
Stocked up at Mr As with DD today - £73
Tummy bug today tho - eeek not good!
Hope get doctor's appointment tomorrow and hope to meet up with a friend for coffee....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 -
Tummy Bug as well! You're in the wars SH, I go past Mr A on the way home and I really should drop in one day to see what the difference is between Mr T saver and Mr A things. Hope you feel OK!0
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Hi CSA nice to see you again
Tummy seems to have settled again. Went out for a coffee but other than a banana not eaten today. Got appointment with doctor later wil see what outcome from that is.
I think I am more and more coming to the conclusion I want to resign - am a scaredy cat tho.... Need to discuss with OH and try and make a decision today I think.
The last couple of days my knee has improved an amazing amount both in terms of pain and flexibility. I still have some swelling above my knee cap but the swelling has largely gone from the sides of my knee. Gels are definitely better than tablets for dealing with this kind of injury. At least I know if there is a next time.
Am worried the GP might send me back to work - my knee has improved that much this week! Excuses for avoiding housework will therefore run out too. Am I brave enough to resign and look for another job?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 -
Glad to hear that the knee is getting better, and good news on the tummy bug - we have it here - only just got over the sickness one
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hi lhb
I have just put last night's tinned shopping away - which including majorly bending my knee while I crouched - there was a bit of an ouch factor but a week ago I couldn't even do it. I then bent down and unpacked the dishwasher and packed it - so far so good - OH will be pleased.
Need to tackle the front room when I get back from the doctors and then give sorting the washing a go..... and of course remember to pick up DD.
I am going to delicately ask the after school gym teacher for a refund as DD feels her feet hurt her too much to do it.... hmmm - MSE but difficult to do. It will be great if I can get the money back tho - I think it was £12 and she has decided now she would rather do drama.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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